Portfolio loans are more suitable for those customers whose provident fund loans are not high. The specific application process is as follows:

1. Prepare the materials needed for the portfolio loan, and first apply to the local housing provident fund management center;

2. After the provident fund loan is approved, take the "Notice of Entrustment of Personal Housing Loan for Provident Fund" and apply for a portfolio loan from the loan enterprise bank;

3. The loan contract and guarantee contract signed by the applicant and the loan enterprise bank, and notarized;

4, to the loan bank for mortgage registration insurance and other procedures, and pay;

5. Open a special savings account for repayment in the loan bank;

6. The seller opens a special deposit account in the loan enterprise bank;

7. The lender fills in the deposit certificate of the house purchase portfolio loan at the bank;

8. The loan enterprise bank will transfer the loan to the borrower's deposit account according to the contract;

9. The lender can repay the loan to the repayment special savings account on time every month.

Second, how to handle portfolio loans.

The 480,000 provident fund is a commercial loan of1.20,000, which is feasible in theory, but impossible in practice, because according to the standard of your 900,000 house, the proportion of1.20,000 commercial loan is really small, and the bank may feel that the profit is not big, or the loan officer is afraid of trouble and is unwilling to take orders. So I suggest you use one person's provident fund to increase the proportion of commercial loans, so.

Third, how to handle portfolio loans.

1. Submit a portfolio loan application and the following loan materials (house purchase contract, copy of developer's house sales license, ID card, housing provident fund savings magnetic card and seal). 2. Bank audit: The loan bank will evaluate whether the borrower meets the loan conditions, calculate the loan amount and determine the loan term according to the information provided by the borrower. 3. Sign a loan contract with the loan bank. After the approval, the bank will inform you to sign the loan contract and mortgage contract (if there is no house guarantee, sign the pledge contract). 4. Go through the formalities of housing mortgage insurance and submit the following documents: loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate. The last step is to sign the repayment agreement and bank loan.

4. How to handle the provident fund commercial portfolio loan?

Handling method of legal staging: 1. Apply to the city housing fund management center for individual housing portfolio loans. 2, according to the requirements of the bank, after the loan approval, the city housing fund management center to fill in the "commissioned investigation notice". 4. The lender fills in the personal housing loan. 6. Issuing housing loans. 7. Repaying the entrusted loans for policy personal housing guarantee and commercial personal housing guarantee is a system reform measure, which is shared by the state, collectives and individuals to solve the housing difficulties of employees. Long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to the regulations, all owners of such loans can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund. Employees may be selected under any of the following circumstances.

(a) purchase, construction, renovation,

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If the employee dies or is declared dead, the employee's heirs and legatees can keep the balance in the account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the housing provident fund.