Package loan process:

The process of applying for a personal housing provident fund loan (portfolio loan) to purchase commercial housing or affordable housing can be divided into five steps:

Step 1 : Go to the lending bank to submit a loan application

The borrower should go to the CCB Real Estate Credit Department in each district or county to apply for a housing provident fund loan with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card, and seal. (If you use a housing provident fund loan from both spouses, you must also bring a marriage certificate or other proof of the relationship between husband and wife.) Fill out the "Individual Housing Provident Fund Loan (Combined) Loan Application".

Step 2: 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.

Step 3: 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 (signing a pledge without house guarantee) contract). Portfolio loan

Step 4: Go to the property rights department to handle the loan guarantee procedures

There are two guarantee methods for housing provident fund loans (portfolio loans), and the borrower can choose according to his or her actual situation Any of these.

1. The borrower can use his or her own, private or third-party properties for mortgage.

Purchase commercial housing and affordable housing (the property ownership certificate has been obtained) and use the property purchased and constructed to To apply for a mortgage on a house, take the borrower's ID card, original advance payment receipt, name seal, loan contract, and mortgage contract, fill in the "Tianjin Housing Other Rights Application Registration Form" and stamp it with the borrower (mortgagor) and the lending bank After obtaining the seal of the mortgagee, go to the property rights management department where the house is located to apply for the "Other Property Rights Certificate".

If the borrower uses an off-plan house as a mortgage (without obtaining a property rights certificate), he or she should take the above materials to the property rights management department of the district or county real estate bureau where the house is located to apply for the "Tianjin Real Estate Mortgage Certificate".

2. Use treasury bonds, bank time deposit certificates and other securities recognized by the lending bank for pledge, and the securities held by the borrower will be handed over to the lending bank for safekeeping.

Step 5: Apply for housing mortgage insurance

After the borrower goes to the property rights department to complete the mortgage or pledge procedures, together with the loan contract, mortgage contract (pledge contract), and other housing items The loan information such as warrants and mortgage certificates must be submitted to the lending bank for house insurance procedures.

Step 6: Sign the repayment agreement and transfer the money

If the repayment is repaid by debiting the savings card, the borrower should go to a CCB savings outlet to apply for the repayment with the 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.

Step 7: 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 for house repair and construction are drawn by the borrower according to the loan contract.