Because the interest rate of provident fund loans to buy a house is low, but the use of provident fund loans alone in areas with high housing prices is not enough to fully repay the mortgage, so many buyers will choose provident fund loans and commercial loans at the same time, that is, combined loans to buy a house. Then what is a second-hand housing portfolio loan? What materials should I prepare to apply for a portfolio loan?

First, what is a second-hand housing portfolio loan?

Portfolio loan: A borrower who meets the requirements of commercial loans for individual housing and pays the housing provident fund at the same time can apply for a personal housing provident fund loan at the same time. The borrower can use the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and apply for personal housing provident fund loans and personal housing commercial loans from the housing provident fund management center and the bank.

Portfolio loan is a housing loan issued by the housing provident fund management center to the same borrower with policy housing funds and commercial credit funds from banks. It is the general name of policy and commercial loan portfolio. That is, the loan demand beyond the housing provident fund loan amount is solved by bank funds. The interest of the two funds is calculated according to the housing provident fund loan interest rate and the bank commercial loan interest rate respectively. The loan interest rate of bank funds is higher than the housing provident fund loan interest rate, and the comprehensive interest rate of portfolio loans is between the housing provident fund loan interest rate and the bank loan interest rate.

Second, what materials are needed to apply for a second-hand housing portfolio loan?

To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank. After the two loans are approved, the bank will transfer them to the seller's account at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.

1, provident fund account number (accounts of all participating lenders and husband and wife are required), and the total house payment is required (1-2 days in advance);

2 copies of the household registration book of the applicant, spouse and participating lenders (2 copies of the whole book);

3. Two copies of the ID cards of the applicant, spouse and lender;

4. Two copies of marriage certificate or unmarried certificate (issued by the place where the personnel file is located), and the unmarried certificate needs to be original;

5. Two copies of the certificate of origin; 6. Individual housing mortgage loan contract in 7 copies;

7. Two originals of the house sales contract (bank, notary office); 8. Two loan application forms;

9. Personal seals of all personnel involved; 10, the original income certificate of the borrower; 1 1, 30% or more of the original paid invoices or receipts.

(The above materials are face-to-face materials to be prepared for portfolio loans in Beijing, which may vary from place to place, subject to the rules and provident fund policies promulgated by local banks. )

(The above answers were published on 20 15-06- 19. The current purchase policy should be based on the actual situation. )

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