2. Personal housing provident fund portfolio loan: refers to the borrower applying for housing provident fund loan and commercial personal housing loan from the entrusted bank when the housing provident fund loan amount is insufficient to pay the house purchase price, and the two loans together form a portfolio loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks.
The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee. The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.
3. Individual housing provident fund replacement portfolio loan: First, the bank issues commercial housing loans to borrowers (employees who pay housing provident fund) with bank funds, and then the entrusted bank applies for provident fund loans to the management center on behalf of the borrowers. The borrower's provident fund loan amount is controlled within its basic provident fund loan amount and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period by more than 1 year.