The process of handling portfolio loans
1. To apply for individual housing portfolio loan, the borrower shall first apply to the commercial bank and provide relevant supporting materials;
2. Commercial banks apply for provident fund loans from provident fund trustee banks on behalf of borrowers with relevant supporting materials of payers;
3. Upon examination, the entrusted bank of the provident fund promises the borrower the loanable amount and term of the provident fund loan in writing, and informs the commercial bank at the same time;
4. After examination, the commercial bank promises the borrower the amount and duration of commercial loans in writing;
5. The borrower signs a personal housing loan contract, and the loan bank transfers the loan amount to the account opened by the seller in the bank according to the time stipulated in the loan contract.
Information required for loan:
1. Identity documents, which can be resident identity cards, household registration books or other identity documents;
2 proof of the borrower's repayment ability recognized by the provident fund management department and the loan bank;
3 other documents and materials stipulated by the provident fund management department and the loan bank;
4. Legal procurement contracts, agreements and approval documents;
5. Relevant certificates of the borrower's self-raised house purchase funds;
6 involving mortgage or pledge guarantee, it is necessary to provide the ownership certificate of mortgage or pledge right and the written certificate that the authorized person agrees to mortgage or pledge;
7. Where the guarantee is involved, the written commitment of the guarantor to provide the guarantee and the credit certificate of the guarantor shall be provided.