2. Generally, you can hand over the house after all the formalities are completed, depending on whether you have any special requirements, but you need to communicate with the seller. On the day of transfer, the buyer and the seller sign a commercial loan contract at the bank, and then the buyer and the seller go through the transfer formalities at the exchange.
3. After signing the commercial loan contract, the original passbook of the buyer and the seller must be left in the host office. After the new title certificate is issued, a copy will be sent to the evaluation office. After the evaluation report comes out, the amount, duration and qualification of the provident fund loan of the buyer's customers will be preliminarily reviewed, and the contact form of the combined loan and the evaluation report will be sent to the commercial loan bank. After the approval of the bank, it takes 5- 10 working days.
4. On the 13 working day after signing the provident fund loan contract, the provident fund loan part will be released, and the commercial loan part will be released within 3-5 working days after the completion of the public loan.
How long the portfolio loan can be approved and when it is approved are related to the time when the borrower applies for the loan (whether it is the peak season), the loan amount, the loan method, the lending institution and other factors. Therefore, the preparation of relevant documents is also related to the processing time.
: portfolio loan processing flow
1. The borrower applies for housing provident fund loans to the real estate credit department of CCB in all districts and counties with a copy of the house purchase contract and the developer's house sales permit, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of the relationship between husband and wife), and fill out the Application Form for Individual Housing Provident Fund Loans (Combined Loans).
2. According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term. After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract (or a pledge contract without housing guarantee) with the bank.
3. After the loan contract is signed, there are two ways to guarantee the housing provident fund loan (portfolio loan) to the relevant departments. The borrower can choose any one of them according to his actual situation. The borrower can pledge securities recognized by the lending bank, such as self-owned, co-owned or third-party property, and bank time deposit certificates. The borrower will hand over the securities to the lending bank for safekeeping.
References:
Baidu encyclopedia ~ portfolio loan