After customers apply for portfolio loans, due to the complicated approval process of provident fund loans, many customers approve commercial loans first and then provident fund loans. But it is not absolute. Some customers are the first batch of provident fund loans and the second batch of commercial loans.

Which part to approve first actually depends on the efficiency of the entrusted bank and the housing provident fund management center, and is also related to the bank's lending quota. But no matter which one comes down first, customers just have to wait patiently. After the mortgage application is submitted, it often takes two or three months to approve the loan.

When making a loan portfolio, do you put commercial loans or commercial companies first?

If provident fund loans are issued first and then commercial loans are issued, and some commercial banks issue commercial loans first, the application for portfolio loans is the same as provident fund loans. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank.

After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.

Extended data

To purchase commercial housing and affordable housing (with property right certificate) and mortgage the purchased housing, you should hold the borrower's ID card, original prepayment receipt, seal, loan contract and mortgage contract, fill out the Registration Form of Other Rights of Tianjin Housing and affix the seal of the borrower (mortgagor) and loan bank (mortgagee), and then go to the real estate management department where the house is located to handle other rights of the house.

If the borrower mortgages the house by auction (without obtaining the property right certificate), he shall apply for the Tianjin real estate mortgage certificate with the above materials to the property right management office of the county real estate administration where the house is located.

Is the mixed loan commercial loan or provident fund loan first?

1, not necessarily, some commercial loans are repaid first, and then provident fund loans are issued; Some are provident fund loans first, and then commercial loans. Of course, there are also loans together, and some will first lend some funds from the provident fund to the bank, and then the bank will issue them together (please consult the bank customer service for details). Regardless of whether the provident fund loan comes first or the commercial loan comes first, the customer just needs to wait patiently, which takes about one to two months (in case of tight quota or busy business, the loan may be delayed).

2. Customers apply for portfolio loans. The provident fund loan part and the commercial loan part are applied at the same time, but they are approved by the entrusted bank and the housing provident fund management center respectively, and the loans will be issued after approval. Of course, there may be a certain time difference when they lend money. After all, most of them are published separately.

3. After all the money is credited to the bank card, the system will generally deduct it immediately to the account designated by the real estate developer. When the real estate developer receives the remaining house payment, the customer can repay the mortgage principal and interest on time and in installments according to the repayment plan agreed in the contract.

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1. Why are portfolio loans the first batch of provident funds:

1, if the provident fund loan part is approved first when handling the portfolio loan, it only needs the rapid approval of the provident fund management center, and some customers apply for the portfolio loan to approve the commercial loan part first and then the provident fund loan part. Which one to approve first actually depends mainly on the efficiency of the audit.

2, we should know that although the commercial loan part of the portfolio loan and the provident fund loan part were submitted at the same time, they were not reviewed together. Commercial loans are audited by the entrusted banks, and provident fund loans are audited by the local housing provident fund management center. Loan funds are also distributed separately.

3. After all the provident fund loans and commercial loans are approved, customers will sign loan contracts at outlets within the agreed time, handle mortgage and other related procedures, and then enter the lending link.

4, and which one to allocate first depends on their respective efficiency. Put the provident fund loan part first, and then put the commercial loan part; There are also some commercial loans first, and then provident fund loans. After the loan arrives, the repayment is also paid separately.