If you apply for a portfolio loan, but the provident fund loan is partially approved and the commercial loan is not, it is recommended to call the handling bank and contact the customer service staff for consultation to find out the specific reasons for the rejection of the commercial loan. You can try to increase the down payment and reduce the loan amount; You can reapply at another bank.

Also, when you apply again, you can prepare more financial income information, such as large deposit certificates and car driving licenses. The richer the better, prove that you have enough repayment ability; You can also find a person with good credit to guarantee your loan, which will help increase the chances of loan approval.

And if you still have outstanding loans under your name, you can pay off the arrears quickly, or you can pay off some of them first, which can reduce your personal debt ratio; And we must pay attention to maintaining personal credit and accumulating good records.

During the period of re-application, we should also explain the situation clearly with the real estate agent to avoid disputes caused by the delay in receiving the loan from the real estate agent.

But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: You can query your own online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.

Extended data:

What should I do if the approval of provident fund loans fails after online signing?

The so-called "online signing" means that when buying a house, you sign a contract with the seller, then go to the relevant real estate department for the record and publish it online (the online signing of the house is mainly for the transparency of real estate transactions).

If the approval of the provident fund loan applied for after the online signing fails, you can apply for a commercial housing loan and reapply. For example, if the provident fund loan is not approved because of the provident fund problem, you can also apply to the court to confirm that the contract is invalid. Of course, people who have the ability can also choose to buy a house in full.

When applying for a mortgage, you can actually prepare more information about assets and financial resources, which will help improve the chances of the loan passing; Or find a person with good credit to guarantee his loan.

Usually, we should also pay attention to avoid the unpaid provident fund, so as not to affect the approval of provident fund loans. We should know that in many places, when handling provident fund loans, there are certain requirements for borrowers to pay the provident fund. For example, it is required to pay the provident fund continuously for more than half a year.

The combined loan accumulation fund has been issued, will the commercial loan not be approved?

Under normal circumstances, the provident fund in portfolio loans is released, and commercial loans will not be rejected. Commercial loan approval is simpler than provident fund. Since the provident fund loan can be passed, so can the commercial loan.

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. Loan portfolio is a way for banks to distribute credit risks by granting loans to more than two debtors under the constraint of limited total loans. Due to macro factors such as industry characteristics and business cycle, and micro factors such as the correlation of business activities among enterprises, the correlation of default in loan portfolio is characterized by cycle correlation and risk dispersion. The higher the default dependence, the greater the potential risk loss of the loan portfolio.

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.

Portfolio loans only include provident fund. What if the provident fund approves commercial loans but does not approve commercial loans?

Many property buyers will apply for provident fund loans in advance when applying for mortgages. However, according to the regulations, the amount of provident fund loans that each property buyer can apply for is limited, so many property buyers will choose the loan model combining provident fund loans and commercial loans. Some users have consulted, and portfolio loans only put provident fund. What if the provident fund has been approved for commercial loans but not approved?

Portfolio loans only include provident fund.

Under normal circumstances, the approval progress of provident fund loans will be slower than that of commercial loans. However, if buyers apply for portfolio loans, they need to wait for the approval of provident fund loans before they can approve commercial loans. In most cases, it is normal for buyers to wait about 2 months after applying for portfolio loans before waiting for provident fund loans.

After the provident fund is released, it will take about a week for commercial loans to be released. Provident fund loans have stricter requirements for personal qualifications. The provident fund loan in the portfolio loan has been approved, and it is unlikely that the commercial loan will not be approved.

If the buyer's portfolio loan only borrows the provident fund part and the business is not approved, the buyer can change to a commercial loan application bank. Every bank has different qualifications for borrowers. A buyer's commercial loan in this bank fails, which does not mean that other banks' commercial loan applications will not pass.

In addition, we need to remind everyone that when applying for a mortgage, we need to prepare a third-party collection account. If the buyer can't find a third-party payee, it is recommended to find a professional billing company to operate the third-party collection and sign an billing agreement.

The above is the relevant content sharing of "portfolio loan only puts provident fund part", I hope it will help everyone!

What if the combined loan provident fund is approved, but the commercial loan is not approved?

It is rare that individual housing provident fund loans are partially approved and commercial housing loans are not approved, because if customers fail to meet the standards in some aspects, provident fund loans and commercial loans will fail. So if this happens, you can contact the lending institution to find out why you can't get through, and then deal with it according to the situation.

Tips: The above explanations are for reference only.

Reply time: 202 1-09-08. Please refer to the latest business changes announced by Ping An Bank in official website.

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