First of all, for portfolio loans, it is the most basic requirement to continuously deposit housing provident fund for more than one year and reach the standard of provident fund loans. At the same time, the borrower must have the conditions to apply for bank commercial loans. ?
Secondly, although some borrowers meet the application conditions for portfolio loans, they cannot apply for portfolio loans. Loans to buy second-hand houses, many homeowners do not agree to use portfolio loans, because it takes a long time to handle portfolio loans. In reality, many developers do not agree to apply for portfolio loans to buy a house, because developers usually borrow from banks before building a house, and promise that owners can only borrow from banks when buying a house. In this case, there is no way to apply for a portfolio loan. ?
Portfolio loan application:
Step 1: Apply for a loan at the loan bank.
The borrower applies for housing provident fund loans to the real estate credit departments of CCB in all districts and counties with a copy of the purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (marriage certificate or other proof of husband-wife relationship is required for couples to use housing provident fund loans), and fills in the Application Form for Individual Housing Provident Fund Loans (Combined Loans). ?
Step 2: Bank audit
According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term. ?
Step 3: Sign a loan contract with the loan bank.
After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee). ?
Step 4: Go to the property right department to handle the loan guarantee procedures.
There are two ways to guarantee housing provident fund loans (portfolio loans), and borrowers can choose either one according to their actual situation. ?
Step 5: go through the formalities of housing mortgage insurance?
After the borrower completes the mortgage or pledge formalities in the property right department, he shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for home insurance formalities. ?
Step 6: Sign the repayment agreement and transfer money.
If repayment is made by withholding savings card, the borrower shall apply for withholding savings card repayment at all savings outlets of CCB and sign a withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank. ?
Step 7: Bank transfer?
The borrower shall go to the loan bank to handle the payment formalities according to the time agreed with the loan bank, and the loan bank will allocate the money to the house selling unit; The borrower shall withdraw the repair and construction loan as agreed in the loan contract.