Many friends in Hangzhou pay a small amount of provident fund every month, and the time is not very long. Therefore, these friends need to apply for a Hangzhou portfolio loan to buy a house. So what are the application conditions for Hangzhou portfolio loan? Let me introduce the details for you.

Hangzhou portfolio loan application conditions

1. The borrower owns no more than two houses in Hangzhou, and the houses purchased must meet the listing and trading conditions stipulated by the housing management department;

2. Have a stable job and income in Hangzhou, and pay the housing provident fund continuously for more than six months;

3. Can provide a legal and effective purchase contract, and can pay the down payment within the prescribed scope;

4. Personal credit is good, there is no record of major loan default, and it cannot be blacklisted.

Solutions that do not meet the application conditions of Hangzhou portfolio loan

2. If everyone's provident fund deposit time is not up to standard, wait for a while, or give up the choice to apply for Hangzhou portfolio loan and apply for all commercial loans instead. Although this will increase some interest expenses, the approval rate will be much higher.

3. If the personal credit is insufficient, you can only temporarily give up the loan to buy a house and wait for the personal credit to be provided before applying. Friends who don't care about interest expenses can choose legal private loan companies.