What is the process of buying a second-hand house with a portfolio loan?

1, the borrower goes to the housing fund management (sub-) center to fill out the Loan Application Form and provide background information;

2. The housing fund management (sub-) center conducts a preliminary examination of the borrower, including verifying the loan application form, approving the loan amount and term, and defining the guarantee method;

3. The amount of provident fund mortgage is not enough;

4. Entrust the bank to investigate the borrower. The basic contents are: whether the individual purchase behavior is legal; Whether the collateral meets the requirements; Income, whether it has the ability to repay the loan principal; There is a guarantor, whether the guarantor has the qualification of guarantee, etc.

5.( 1) If the entrusted financial institution meets the investigation standards, the entrusted bank shall issue a letter of intent for investigation and submit it to the housing fund management (sub-center) for review.

(2) entrust social security agencies to investigate and issue housing portfolio loans, which shall be audited by the competent department of the agency;

6.( 1) passed the examination, and the housing provident fund management (sub-) center examined and signed the loan notice.

(2) The person in charge has been approved by the competent department;

7. After receiving the notice, the entrusted financial institution shall sign a loan contract with the borrower, go through the formalities of pledge or loan guarantee, sign the authorization certificate of entrusted transfer payment, and set up a special account for personal credit loan;

8. After the loan contract comes into effect, the housing fund management (sub-) center will allocate the funds to the entrusted stock base.

Gold, and then the entrusted assets and bank personal loan funds have been entrusted to the designated account;

9. The borrower repays the provident fund mortgage loan and personal bank loan on time according to the prescribed form;

10. The borrower settles the loan principal, cancels the pledge guarantee, and retrieves relevant valid vouchers.

In this process, there are several places that need friendly reminders:

1, online filing has a special dialog box in the real estate transaction and sales market;

2. Down payment and fund custody are carried out simultaneously.

If you are a self-employed buyer who has not passed the brokerage agency, you must go to the regulatory bank in advance to ask what procedures, valid certificates and copies you need to bring, and then both parties make an appointment to handle them together.

What is the knowledge about portfolio loans?

Definition of portfolio loan:

Portfolio loan means that borrowers who meet the housing profit loan policy can apply for housing provident fund loans while paying housing provident fund, that is, borrowers can buy their own houses in local cities (or other contract types recognized by banks) as collateral, and apply for their own housing provident fund loans and housing profit loans from banks at the same time.

Two standards for handling portfolio loans

First of all, to apply for a portfolio loan, it is necessary to continuously deposit the housing provident fund for more than one year, so as to standardize the provident fund mortgage, which is the most basic regulation. At the same time, the borrower should have the conditions to apply for bank commercial loans.

Secondly, when borrowers meet the conditions of portfolio loans, sometimes they cannot apply for portfolio loans. Loans to buy second-hand houses, many homeowners do not cooperate with the choice of portfolio loans, because it takes a long time to handle portfolio loans. In reality, many real estate developers do not agree to apply for portfolio loans to buy houses. Local provident fund mortgages generally have cooperation with a bank and can only be loaned from that bank.

Seven steps of portfolio loan processing:

The first step of portfolio loan processing: go to the loan bank to explicitly apply for loan processing.

The borrower applies for housing provident fund loans to the real estate credit department of the Construction Bank of counties and cities with the copy of the real estate agent's purchase contract and housing sales license, identity documents, IC card and seal of the provident fund deposit (if applying for husband and wife housing provident fund loans, he must also bring his marriage certificate or other proof of husband and wife relationship), and fill out the Application Form for My Housing Provident Fund Loan (Combination Loan).

The second step of portfolio loan processing: bank audit

According to the information provided by the borrower, the loan bank evaluates whether the borrower meets the loan policy, calculates the loan amount, and defines the loan term.

The third step of portfolio loan processing: sign a loan contract at the loan bank.

After the loan bank approves the borrower's application, the borrower signs a loan contract and a loan contract with the bank (signing a pledge contract without housing guarantee).

The fourth step of portfolio loan processing: go through the guarantee formalities in the fixed property unit.

There are two main contracts for housing provident fund loans (portfolio loans), and borrowers can choose either one according to their actual situation.

Step 5: Go through the formalities of commercial insurance for housing mortgage.

After the borrower completes the mortgage or formalities in the property right unit, he shall submit the loan contract, loan contract (pledge contract), house ownership certificate, mortgage guarantee certificate and other loan materials to the loan bank to go through the residence insurance formalities.

The sixth step of portfolio loan processing: sign the repayment agreement and transfer the account.

If the bank card payment method is selected for repayment, the borrower shall go to the deposit business outlet of China Construction Bank for repayment and pay the debit card, and sign a withholding agreement with the loan bank. Where the entrusting unit remits repayment, the unit shall sign a contract with the loan bank.

Step 7 of portfolio loan processing: financial institution transfers money.

According to the time agreed with the loan bank, the borrower goes to the loan bank to handle the collection procedures, and the loan bank transfers the funds to the house selling enterprise; The borrower shall use the loan for repair and construction in accordance with the loan contract.

You can't apply for a provident fund portfolio loan after the second-hand house is transferred.

According to Article 6 of the Measures for the Administration of Personal Housing Provident Fund Loans of Provincial Units in Hunan Province (Xiang Guan Fa [2021] No.23), before the divorce, the family had two houses, and within two years after the divorce, the two houses were still under the names of both parties or one party. If they buy a house again, they will not be granted provident fund loans.

At the same time, you can apply for pure provident fund loans within 12 months after the transfer of second-hand houses (subject to the time recorded in the certificate of immovable property rights), but you can't apply for portfolio loans.

Regarding the question of "whether the unit provident fund has been suspended for three months and whether it can apply for provident fund loans", it is mentioned in the monthly report that according to Article 5 of the Measures for the Administration of Individual Housing Provident Fund Loans of Provincial Units in Hunan Province (Xiang Guan Fa [2021] No.23), borrowers must satisfy that the housing provident fund account is in a normal state and pay it two months before applying for loans (overdue is not counted).

Handle the purchase and extraction of second-hand houses.

The same employee can only withdraw 1 time from the same house.

In addition, according to Article 10 of the Administrative Measures for the Withdrawal of Individual Housing Provident Fund of Provincial Units in Hunan Province (Xiang Guan Fa [202 1] No.24), the same employee can withdraw1time for the same set of housing, and the withdrawal can be carried out within 24 months from the date when the deed tax payment certificate is issued.

At the same time, according to the Notice on Preventing and Combating Illegal Withdrawal of Housing Provident Fund (Changjin Guan Wei [2022] No.7), employees' families who purchase second-hand houses in non-restricted areas of Changsha City and those who purchase second-hand houses outside the administrative area of Changsha City should apply for house purchase withdrawal when the property rights have been transferred for 1 year and the property rights have not been cancelled, and the withdrawal time limit will be extended to 24 months after the transfer 1 year. The housing loan and purchase application of this house are not subject to this restriction, and the employees' families provide loan contracts and other relevant materials to prove it.

Both husband and wife have applied for provincial provident fund loans during the marriage, and the property rights registered on the mortgaged house property certificate are husband and wife. How to get the title certificate after divorce?

In this regard, the Hunan Provincial Provident Fund Center said that the borrower's mortgaged property is jointly owned by husband and wife. After divorce, the property owners must come together to collect the relevant warrants, and both parties bring the original ID cards to the counter to collect them. If one party cannot collect it at the counter together, it may entrust others to handle it. The trustee needs to bring the original notarial certificate and the original ID card of the trustee.

Please click to enter the picture description (maximum 18 words).

Can I buy a second-hand house with a combination of provident fund and commercial loans? thank you

Loans to buy second-hand houses can be combined with provident fund and commercial loans.

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

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 account of the selling unit 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.

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

1, classification:

Personal housing portfolio loan refers to the borrower who meets the conditions of a bank's personal housing commercial loan and pays the housing provident fund at the same time. While handling commercial loans for individual housing, you can also apply to the bank for personal housing provident fund loans. That is, the borrower takes the purchased urban self-occupied housing in this city as collateral, and the bank issues personal housing loans to the same borrower at the same time to purchase the same set of self-occupied ordinary commodity housing, which is a general term for policy and commercial loan portfolios.

That is, provident fund loans and commercial loans are used at the same time, generally only when personal loans exceed the local maximum amount of provident fund loans.

Buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum loan for the provident fund is 400,000 yuan. In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.

Portfolio loan is a loan issued by the housing fund management department to the same borrower by using policy housing funds and commercial banks by using credit funds. It is the general name of policy loan and commercial loan portfolio. When individuals can't pay the purchase price through provident fund loans, they can apply for portfolio loans from the handling bank entrusted with provident fund loans.

2. Application method:

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 account of the selling unit 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.