Portfolio loan is a combination of two kinds of loans, in which part of the total loan is made up by provident fund loans and the insufficient part is made up by commercial loans. Loans that can be used for provident fund can enjoy the low interest rate of provident fund and get more loans when the amount is not enough to pay all mortgages. The disadvantage is that the processing cycle is relatively long. For owners who are eager to transfer ownership and obtain funds, buyers will be refused to use portfolio loans.

First, the maximum loan amount:

1. municipal portfolio loan

The municipal portfolio loan amount needs to be comprehensively considered according to the house ownership and housing loan situation of the purchaser: the maximum loan for the first suite is 65%; If it is an ordinary house, the maximum loan is 60%. Buy two houses, if it is an ordinary house, the maximum loan is 40%; If it is an ordinary house, the maximum loan is 20%.

Portfolio loan amount? Maximum loanable amount of individual provident fund = commercial loan.

2. Portfolio loans managed by the state

State-managed portfolio loan amount = state-managed provident fund loanable amount+commercial loan amount.

The loanable amount of State-managed provident fund should be tried out in the State-managed provident fund fund center.

Commercial loan amount = (monthly deposit amount of provident fund? 1323? Liabilities? Monthly contribution of provident fund)? Monthly repayment amount of commercial loans corresponding to repayment period

Second, the evaluation:

There are many benefits of portfolio loan, but in the process of housing appraisal, a professional appraisal company is needed, and the charging standard is 600 yuan.

If the house purchased by the borrower is a commercial house, a second-hand house or other houses that need to be evaluated as recognized by the loan accepting institution, it must provide a house evaluation report issued by a qualified evaluation institution recognized by the management center and pay an evaluation fee to the evaluation institution.

Charge basis: Beijing Municipal Price Bureau and Beijing Municipal Bureau of Housing and Land Management issued document No.398 [1997].

Third, the number of years:

Portfolio loans require the repayment period of provident fund loans and commercial loans to be the same.

The reason why banks and other financial institutions require these two terms to be consistent is because? Portfolio loan? China's housing provident fund loan and commercial bank mortgage set the same collateral (that is, the house purchased by the loan applicant). If the borrower fails to pay off the loan at the expiration of the loan period, the undertaking bank will apply for the disposal of the mortgaged property. If the time limits set by the two are inconsistent, it will appear? One loan is due and the other loan is not? Situation, so that banks don't know how to deal with collateral.

Because of this, in real life, plan ahead? Portfolio loan? Our friends must pay attention to this when dealing with it.

Source: China People's Bank?

This content is only applicable to Beijing.