First, housing provident fund loans.
Housing provident fund loan is a mortgage loan issued by housing provident fund management centers around the country to employees and retired employees who have paid housing provident fund.
The second is personal housing commercial loans.
Personal housing commercial loan is a natural person with full civil capacity. When buying owner-occupied houses in cities and towns of this city, apply for commercial housing loans from banks with the purchased property houses (or other guarantee methods recognized by banks) as collateral as a guarantee for repayment of loans.
Third, individual housing portfolio loans.
Personal housing portfolio loan is that borrowers who meet the conditions of personal housing commercial loan deposit housing provident fund at the same time. When handling personal housing commercial loans, you can also apply for personal housing provident fund loans. The borrower can apply for personal housing provident fund loans and personal housing commercial loans from the bank with the purchased urban self-occupied housing as collateral.
Extended data:
I. Handling housing provident fund loan procedures
1. When applying for a housing provident fund loan, the borrower needs to submit a written application to the Municipal Housing Provident Fund Management Center, fill in the housing provident fund loan application form and provide relevant information truthfully.
2, the city housing provident fund management center is responsible for the borrower's qualification, guarantor's qualification, loan amount and loan period to review and complete the contract, the borrower and the center signed the relevant contract or agreement, and according to the provisions of the people's Bank of China for insurance.
3. After the loan formalities are completed, the municipal housing provident fund management center will issue a loan approval notice to the bank, and the bank will handle the loan transfer formalities after receiving the loan notice.
II. Procedures for applying for personal housing loans from banks
1. The buyer shall sign a pre-sale contract with the developer.
2. Pay more than 30% of the house price.
3. Go to the housing management department for pre-sale registration.
4. After completing the pre-sale registration, the buyer fills in the loan application and loan contract with the original contract.
Three. Procedures for applying for individual housing portfolio loans
1. The borrower goes to the housing fund management center to fill in the loan application form and provide relevant information.
2. The housing fund management center conducts a preliminary examination of the borrower, including verifying the loan application form, verifying the loan amount and term, and determining the loan guarantee method.
3, commissioned by the bank to investigate the borrower, commissioned by the bank survey qualified, commissioned by the bank issued a survey opinion submitted to the housing fund management center, approved by the housing fund management center.
4. After approval, the housing fund management center will issue a notice of entrusted loan.
5. After receiving the notice, the entrusted bank signs a loan contract with the borrower, goes through the formalities of mortgage, pledge or guarantee, signs a power of attorney for entrusted transfer payment, and opens a special account for personal loan.
6. After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan funds, and then the entrusted bank will transfer the entrusted funds together with the personal loan funds of the bank into the developer's account.
Baidu Encyclopedia-Personal Housing Portfolio Loan
Baidu Encyclopedia-Personal Housing Commercial Loan
Baidu encyclopedia-housing provident fund loan