陕西省西安市住房公积金管理中心等部门日前联合推出个人住房组合贷款,西安市居民在购房时可办理“公积金贷款+商业贷款”的组合贷款。个人住房组合贷款是指正常缴存住房公积金并符合公积金贷款条件的职工购买自住普通住房时,公积金贷款额度不足部分由银行商业性个人住房贷款补足的一种贷款模式。相关人士表示,组合贷款集中了公积金贷款利率较低、按揭贷款没有最高额 Xi’an City, Shaanxi Province, housing provident fund management center and other departments jointly launched a personal housing portfolio loans, Xi’an residents in the purchase can handle “provident fund loans + commercial loans ” portfolio loan. Personal housing portfolio loan refers to the normal payment of housing provident fund and meet the provident fund loan conditions for employees to buy ordinary housing, the insufficient amount of provident fund loans by the bank commercial personal housing loans make up a loan model. Stakeholders said the combination of loans focused on the low interest rate fund loans, mortgage loans are not the maximum amount