First, the scope of acceptance of portfolio loans
If the first set of ordinary commodity housing (including affordable housing) purchased by the borrower within the urban area of this Municipality and registered by the real estate management department meets the conditions for handling portfolio loans, the borrower may apply for provident fund loans to the provident fund center, and the insufficient part may apply for self-operated housing loans to commercial banks (hereinafter referred to as loan banks) that undertake provident fund loans.
Second, the maximum amount of portfolio loans.
According to the sum of housing provident fund loans and self-operated housing loans, it shall not exceed 70% of the total housing purchase price, and whether the borrower's family members are in debt or not exceed 50% of their family income after handling the portfolio loan. The loan bank shall, within the maximum loan amount of this set of housing and in combination with the provident fund loan amount approved by the provident fund center, determine the approval amount of self-operated housing loans by itself.
Three. Procedures for accepting portfolio loans
When a borrower applies for a portfolio loan, he should first apply to the lending bank for a self-operated commercial housing loan. After the loan bank first confirms that it meets the loan conditions of self-operated commercial housing in the portfolio loan and provides relevant preliminary information, the borrower applies for the provident fund loan in the portfolio loan to all branches of the provident fund center with preliminary information.