Portfolio loans are issued at the same time, and there is no distinction in order. Generally, the loan bank directly lends the loan amount to the lender's account. Portfolio loan refers to the borrower who meets the conditions of individual housing commercial loan and pays the housing provident fund at the same time. He can also apply for personal housing provident fund loans while handling personal housing commercial loans. That is, the borrower can purchase the urban self-occupied housing (or other bank-approved guarantee methods) as collateral, and at the same time apply to the bank for personal housing provident fund loans and personal housing commercial loans.

Portfolio loan application process

1. The borrower applies for housing provident fund loans to the real estate credit departments of all districts and counties with the purchase contract and related materials, and fills in the Application Form for Individual Housing Provident Fund Loans (Combined Loans).

2. The bank makes a preliminary evaluation of the information provided by the borrower, calculates the loan amount and determines the loan term.

3. After the borrower's application is approved, he will sign a loan contract and a mortgage contract with the bank.

4. The borrower may, according to his own actual situation, choose an appropriate way to go through the loan guarantee formalities with the property right department.

5. The borrower shall submit relevant loan information to the loan bank and go through the formalities in home insurance.

6. Finish the mortgage and insurance, sign the repayment agreement and transfer money with the bank.

7. Get a bank transfer. The borrower shall go to the loan bank to handle the payment formalities according to the time agreed with the loan bank, and the loan bank will allocate the money to the house selling unit; The borrower shall withdraw the repair and construction loan as agreed in the loan contract.

Loan conditions of portfolio loans

1. The lender applying for the house purchase portfolio has legal status;

2. The lender who applies for the purchase portfolio is the employee who has paid the housing provident fund in full and on time;

3. The lender applying for the house purchase portfolio has a stable economic income, and the lender applying for the house purchase portfolio has good credit and the ability to repay the loan principal and interest;

4. The lender applying for the house purchase portfolio has legal and effective house purchase and overhaul contracts and agreements and other supporting documents required by the loan enterprise bank;

5. The lender who applies for a house purchase portfolio has self-raised funds of more than 20% of the house price, and guarantees that the funds will be used to pay the down payment of the house purchased;

6. There is something mortgaged or pledged with the approval of the loan enterprise bank, or a legal person, other economic institution or natural person with sufficient ability to repay the loan as a guarantor;

7. The lender applying for the house purchase portfolio meets the loan conditions stipulated by the local provident fund management.