1. The lender makes normal deposits to the provident fund in the local area and meets other loan application conditions of the local provident fund management agency.

2. The lender has good credit and has a stable source of income and job.

3. The lender signed a formal house purchase contract and paid a down payment of more than 20% of the total house price.

4. Can provide loan guarantees that meet bank requirements, including mortgage loans, pledges and guaranteed loans, etc.

Portfolio loan processing procedures

1. Bank review: The lending bank will assess whether the borrower meets the loan conditions based on the information provided by the borrower, calculate the loan amount, and determine the loan term.

2. Go to the lending bank to sign a loan contract: After the lending bank reviews the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (sign a pledge contract without house guarantee).

3. Go to the property rights department to handle loan guarantee procedures: There are two guarantee methods for housing provident fund loans (combination loans), and borrowers can choose any of them according to their actual situation.

4. Apply for housing mortgage insurance: After the borrower goes to the property rights department to complete the mortgage or pledge procedures, he will borrow money together with the loan contract, mortgage contract (pledge contract), other property rights certificates, mortgage rights certificates, etc. Submit the information to the lending bank for house insurance procedures.

5. Signing a repayment agreement and transferring funds: If the repayment is repaid by using a savings card withholding method, the borrower should go to a CCB savings outlet to apply for a repayment withholding savings card, and sign a withholding agreement with the lending bank. If the unit is entrusted to withhold the repayment, the unit shall sign an agreement with the lending bank.

6. Bank transfer: The borrower goes to the lending bank to go through the payment procedures at the time agreed with the lending bank, and the lending bank transfers the money to the selling unit; for loans used for repairing and building houses, borrowing money The person withdraws according to the loan contract.