Individual housing portfolio loans, the borrower who applies for housing provident fund loans is not enough to pay all the purchase price, and can also apply for housing mortgage loans from the bank. The combination of the two is called "individual housing portfolio loan". Portfolio loans are more cost-effective, because the interest rate of provident fund loans is lower, which saves a lot of interest compared with all commercial loans. Of course, it is most cost-effective if all the loans can be accumulated.

1. The lender applying for the house purchase portfolio has legal status;

2. The lender who applies for the purchase portfolio is the employee who has paid the housing provident fund in full and on time;

3. The lender applying for the house purchase portfolio has a stable economic income, and the lender applying for the house purchase portfolio has good credit and the ability to repay the loan principal and interest;

4. The lender applying for the house purchase portfolio has legal and effective house purchase and overhaul contracts and agreements and other supporting documents required by the loan enterprise bank;

5. The lender who applies for a house purchase portfolio has self-raised funds of more than 20% of the house price, and guarantees that the funds will be used to pay the down payment of the house purchased;

6. There is something mortgaged or pledged with the approval of the loan enterprise bank, or a legal person, other economic institution or natural person with sufficient ability to repay the loan as a guarantor;

7. The lender applying for the house purchase portfolio meets the loan conditions stipulated by the local provident fund management;

What is the handling process of the house purchase portfolio loan?

1, apply. Lenders applying for housing portfolio shall submit a written application to the local housing fund management department and submit relevant materials;

2. Sign the 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;

4. Open an account. Customers who choose to entrust deduction for repayment open a special savings passbook account for repayment at the loan bank. At the same time, the seller shall open a special deposit account in the loan enterprise bank.

5. expenditure. Lenders who apply for housing portfolio fill in the deposit certificate of housing portfolio loan at the front desk of bank accounting, and then the loan enterprise bank directly transfers the loan to the borrower's deposit account according to the contract.