How do families handle portfolio loans?
The borrower holds a copy of the house purchase contract and the developer's house sales license, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of the relationship between husband and wife) to apply for housing provident fund loans in the real estate credit departments of all districts and counties, and fill out the Application Form for Personal Housing Provident Fund Loans (portfolio loans).
1, bank loan.
According to the information provided by the borrower, the bank evaluates whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term.
2. 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).
3, to the property department for 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.
4, housing mortgage insurance procedures.
After the borrower completes the mortgage or pledge formalities in the property right department, it 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 household insurance procedures.
5. Sign the repayment agreement and transfer the money.
If repayment is made by withholding savings card, the borrower shall apply for withholding savings card repayment at the savings outlets and sign a withholding agreement with the loan bank. Where the entrusting unit withholds repayment, the unit shall sign an agreement with the loan bank.
6. Bank remittance
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 transfer the money to the selling unit; The borrower shall withdraw the loan for repair and construction as agreed in the loan contract.
How to repay the portfolio loan?
Portfolio loan is generally a loan method for users who meet the requirements of both commercial loans and housing provident fund. Generally, when the amount of housing provident fund loans is insufficient, they will choose portfolio loans, which can not only have lower loan interest rates, but also enjoy local preferential policies for portfolio loans.
65438+
2. Portfolio loans generally need to set up two independent accounts, because these two parts are separate loans.
3. Free repayment of the provident fund, that is, we can set a lower repayment amount every month, but the monthly repayment amount must be greater than this amount. In fact, this amount is equal to the amount of equal principal and interest.
However, this amount is not mandatory, and the repayment amount can be temporarily adjusted every month. If you have more money, if you have no money, you must reach a low repayment amount. Commercial loans include two repayment methods: average capital and equal principal and interest. At the same time, in portfolio loans, the loan terms of provident fund loans and commercial loans must be consistent.
When applying for a loan, it has become a fashion trend to choose the appropriate loan method and portfolio loan according to one's own economic ability. The above is about how to handle portfolio loans and how to repay portfolio loans. For friends who choose portfolio loans, they should pay attention to the specific repayment methods.