Portfolio loan process:

Step 2 sign a contract

After obtaining the amount of individual housing loan from the housing provident fund, the portfolio lender who applies for the house purchase applies for the portfolio loan from the loan enterprise bank with the Notice of Entrustment of Individual Housing Loan from the provident fund management department. After the application is approved, it is necessary to sign a loan contract and a guarantee contract with the loan enterprise bank and notarize it;

3. Apply for mortgage insurance

After signing the contract, go through the necessary formalities such as mortgage registration insurance at the loan bank, pay the mortgage registration and insurance fees, and hand over the original insurance policy to the loan bank for safekeeping;

Step 4 open an account

Customers who choose to entrust deduction for repayment should open a special savings passbook account in the loan bank, and the seller should open a special deposit account in the loan enterprise bank;

Step 5 spend money

The lender who applies for a house purchase portfolio fills in the deposit certificate of the house purchase portfolio loan at the bank, and then the loan enterprise bank directly transfers the loan to the borrower's deposit account according to the contract.

2. Excuse me, which bank in Kunming can handle house mortgage loan?

Find CCB to do it! The interest rate is 6%. If it is a new house within 5 years, you can borrow 70%, and if it is more than 5 years, it is generally below 60%. If you need more tapes, you can find an agent.

3. Excuse me, which bank in Kunming can handle house mortgage loan?

Spread out completely

It seems that all banks in Kunming can handle this. Find a place near you to do it.

4. Excuse me, which bank in Kunming can handle house mortgage loan?

Most banks in Kunming can handle it, mainly depending on customer qualifications.

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