Portfolio loan process:

1. The application for portfolio loan shall be submitted to the housing provident fund management center or its sub-centers, and the housing provident fund management center will conduct preliminary examination. Applicants should first go to the Collection Department of the Provident Fund Center to receive the Application Form for Entrusted Loan for Personal Housing Guarantee, which includes the proposed purchase price, the proposed loan amount, the term and the provident fund balance of themselves and their spouses or * * * and the applicants, and submit the signed Purchase Subscription and other materials required by the Provident Fund Center.

2. After the preliminary examination of the provident fund center, the appraisal company will evaluate the real estate. After the appraisal firm issues an appraisal opinion, the collection department of the provident fund center issues a loan commitment letter. The applicant can sign a formal purchase contract, and the provident fund loan is partially completed.

3. To apply for a bank loan, the applicant must fill in the "Application Form for Personal Housing Loan" and other relevant documents, and submit the corresponding loan application materials. After the bank approves the loan, it will transfer the loan amount to the applicant's account at one time.

Second, the provident fund portfolio loan approval process

The approval process of provident fund portfolio loan is as follows: 1. Apply. The loan applicant shall submit a written loan application to the housing provident fund management center and the loan bank respectively, and submit relevant materials; 2. Sign the contract. After obtaining the loan amount of individual housing provident fund, the loan applicant applies to the loan bank for individual housing portfolio loan with the "Notice of Entrustment of Individual Housing Provident Fund Loan" issued by the housing provident fund management department. After the borrower receives the loan notice from the bank, individual housing provident fund loans and commercial individual housing loans need to sign loan contracts and guarantee contracts with the loan bank, and notarize the loan contracts as appropriate; 3. Apply for mortgage and insurance. After the signing of this contract, necessary procedures such as mortgage registration and insurance shall be handled in accordance with national and local laws and regulations. Mortgage registration and insurance fees shall be borne by the borrower, and the original insurance policy shall be kept by the loan bank during the mortgage period; 4. Open an account. Customers who choose to entrust deduction for repayment open a special savings account or credit card account in the loan bank. At the same time, the seller shall open a special deposit account in the loan bank; 5. Recover the loan. At the front desk of bank accounting, the borrower fills in the Loan Transfer Voucher for individual housing provident fund loan and commercial individual housing loan respectively, and the loan bank directly transfers the loan to the deposit account opened by the borrower in the loan bank, or to the deposit account opened by the seller in one lump sum or by stages, or to the deposit account opened by the seller in one lump sum or by stages; 6. Repay on schedule. The borrower shall repay the bank personal housing provident fund loan and commercial personal housing loan on schedule according to the repayment plan and repayment method agreed in the loan contract. At present, there are two repayment methods: entrusted bank deduction and counter repayment; 7. loan settlement. Loan settlement includes early settlement and normal settlement. Early settlement refers to the settlement of the loan before the loan maturity date or the last installment; Normal settlement refers to the settlement on the maturity date of the loan or the last installment of the loan. If the loan is settled in advance, the borrower shall submit an application for early settlement to the housing provident fund management department and the loan bank 10 working days in advance after paying off all the payables; 8. Recover the mortgage loan. When the borrower repays all the loan principal and interest on schedule, the borrower receives the "loan settlement certificate" from the loan bank. Take back the original mortgage registration certificate and the real estate ownership insurance policy, and go through the mortgage registration cancellation formalities at the original mortgage registration department with the "Loan Settlement Certificate" issued by the loan bank. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Third, the provident fund portfolio loan process

If you handle it yourself, it will be very troublesome and the details in the middle will be complicated. It is suggested to find a small intermediary to do it, which will save you a lot of time. The process is as follows:

1. Find an appraisal company to appraise the house, and if there is an appraisal fee, reach a house appraisal contract, namely house appraisal;

2. Go to the Housing Authority and conclude a house purchase agreement with the seller or developer (bring the household registration books, ID cards and marriage certificates of both parties, and the insurance records are required for foreign accounts);

3. Take the purchase agreement and documents to the bank to apply for a loan (make sure there is no overdue record in the bank, otherwise, the loan will be difficult; Personal income certificate)

4. Sign two contracts with the bank, with a down payment of 30% for the first set and 60% for the second set (evaluation price payment).

5. The bank approved the loan, went to the Housing Authority for transfer, and the house was waiting;

6. At the same time, the bank lends money to the supervision center, and the money from the supervision center is transferred to the seller's personal account.

7. house turnkey,

8. above.

4. How long does it take to approve the provident fund portfolio loan?

1. It usually takes 7- 10 working days to submit spare parts and funds to the buyer and seller for approval. Lending time: the process of group loan is to issue the certificate first and then lend money. Generally speaking, it takes 45 working days for approval, but at present, banks are short of money and take longer.

2. Generally, after all the formalities are completed, the handover will be completed to see if you have any special requirements, but you need to communicate with the seller. On the day of transfer, the buyer and the seller go to the bank to sign, and then the buyer and the seller go to the exchange to handle the transfer procedures.

3. After signing the commercial loan contract, the original passbook of the buyer and the seller shall be left on the original and a copy shall be sent to the appraisal office. After the evaluation report comes out, the public limit and qualification of the buyer's customers will be preliminarily reviewed, and the contact list of portfolio loans and the evaluation report will be examined and approved (the bank review time is 5- 1.

4. After the signing of the provident fund loan contract 13 working days, part of the provident fund loan will be released, and part of the commercial loan will be released within 3-5 working days after the completion of the public loan.

How long the portfolio loan lasts is related to the borrower's application time (whether it is the peak season), loan amount, loan method, loan institution and other factors. So get ready to tie it.

: portfolio loan processing flow

1. The borrower applies for the housing provident fund loan to the real estate credit department of CCB in all districts and counties with the purchase contract and the magnetic card and seal for the development of housing provident fund savings (marriage certificate or other proof of husband-wife relationship is required for both husband and wife to use the housing provident fund loan), and fills in the Application for Personal Housing Provident Fund Loan (combined loan).

2. According to the information provided by the borrower, the loan bank evaluates whether the borrower meets the loan conditions, calculates the loan amount, and determines the loan term. After reviewing the borrower's application, the loan bank signs a loan contract and a mortgage contract (signing a pledge contract without housing guarantee).

3. When the borrowing department handles the housing provident fund loan (portfolio loan), there are two guarantors, and one of them can be selected according to the actual situation. The borrower can pledge his own, * * own or third-party property with securities recognized by the bank, and the borrower will take the securities to the loan bank for safekeeping.

References:

Baidu encyclopedia ~ portfolio loan