☆Introduction
ICBC distributes personal housing provident fund to customers, who has made personal provident fund, to purchase, construct, rebuild or to maintain his or her living residential house. The purchasing house includes commodity house, comfortable house, private-property house, house reconstructed for originally dangerous house, house built on funds collected by buyers and house with public-owned property.
Personal Housing Portfolio Loan means a borrower could apply for commerce housing loan to ICBC for the residual fraction of the house purchasing, which can not be made from personal housing fund loan. This combined housing loan is called as Personal Housing Portfolio Loan.

☆Service feature
This service offers you a favorable housing loan interest and lowers your cost. Meanwhile, portfolio loan helps your solve the problem of restriction, which is caused by pure housing provident fund. Therefore, you could enjoy a comprehensive service to satisfy your financial needs for house purchasing.

☆Application requirements
The applicant must comply with the regulations of institutions that manage the provident fund housing loan.  He or she must also meet the following criteria:
1.Resident Registration of a town or valid residence identity.
2.Making provident fund payment on time and in the right amount.
3.A stable income, creditworthiness, and the ability to repay both principal and interest.
4.To apply for Personal Housing Portfolio Loan, you must comply with the regulations of personal housing loan and personal housing fund loan. One particular thing is, that the applicant must be identical in portfolio loan application.

☆Loan limit
Loan limit is differently set by the local managing institution of the provident fund, therefore; you need to inquire your local managing institution of provident fund when you make the application. The limit of portfolio loan is the residual amount that you could apply for in a commerce housing loan after you acquire the housing fund loan, which is calculated based on your monthly payment for housing provident fund.

☆Loan tenure
Loan tenure is differently set by the local managing institution of the provident fund, therefore; you need to inquire your local managing institution of provident fund when you make the application. One thing to be noticed is that the tenure of the portfolio loan should be identical.

☆Loan interest
The interest of personal housing fund loan is executed in term of the interest of personal housing provident fund loan. The minimum interest of commerce housing loan in a portfolio loan is 0.85 times of the related interest, set by PBC. And for the housing fund loan fraction, the interest complies with the interest of personal housing provident fund loan. 

☆Materials required for application
1.Valid certificate of identity, including ID card, Resident Registration, passport or other valid residence certificates.
2.Deposit card of housing provident fund and sigil of the borrower.
3.A legal contract, agreement or statement of approval for the purchasing, construction, rebuilding or maintaining and other related materials.  
4.The certificate of down payment of the purchasing or certificate of self-raised fund for the construction, rebuilding and maintaining. 
5.If loan limit is accounted based on husband and wife, spouse's deposit card of housing provident fund, ID card or the copy, marriage certificate or other marital status diploma should be presented.
6.Other documentations required by the local managing institution of the provident fund and by the local bank.
When you are applying for portfolio loan, you need to present all the documentations required for a commerce loan, along with the materials mentioned above. Please refer to regulations of personal brand new housing loan.

☆Manual
1.Make an application. You must file a written application and supporting documents with ICBC, which be forwarded to the managing institution of the provident fund after being processed in ICBC or be directly forwarded to the managing institution, waiting for their approval. 
2.Sign a contract. After the managing institution of the provident fund approves the application, ICBC will inform you to sign the loan contract and the guaranty contract and to accomplish mortgage registration and other required procedures.
3.Disburse the loan. After you fill out a loan deposit form at ICBC, ICBC will disburse the loan to the debtor's deposit account at ICBC as a lump sum or on installments.
4.Make timely payment. You must make payment according to the payment plan and method specified in the loan contract.
5.Loan settlement. If you pay off the loan before loan maturity, you must apply for loan settlement in advance to ICBC or to the managing institution of the provident fund. The managing institution will review the application.

For detailed information please refer to your local sub-branches of ICBC. To save your time, please inquire your local ICBC branch for details before you make the application.