If the loan amount of employee housing provident fund cannot meet the needs and is lower than 80% of the purchased house price, you can apply for personal housing commercial loans, and the total amount of the two loans does not exceed 80% of the house price. This is called portfolio loan. Only employees who have paid the provident fund can apply for portfolio loans.
What are the loan procedures for individual housing portfolio loans?
(1) The borrower fills in the loan application form at the housing fund management (sub-) center and provides relevant information;
(2) The housing fund management (sub-) center conducts a preliminary examination of the borrower, including verifying the loan application form, verifying the loan amount and term, and determining the loan guarantee method;
(3) The amount of provident fund loan is not enough;
(4) The entrusted bank investigates the borrower, including: whether the house purchase behavior is legal; Whether the collateral meets the requirements; Income, whether it has the ability to repay the principal and interest of the loan; If there is a guarantor, whether the guarantor has the guarantee qualification, etc. ;
(five) after the entrusted bank has passed the investigation, the entrusted bank shall issue an investigation opinion and report it to the housing fund management (sub-) center for approval.
The entrusted institution investigates and provides individual housing portfolio loans, which shall be examined and approved by the competent authority of the institution;
(6) After approval, the housing fund management (sub-) center will issue a notice of entrusted loan.
Approved by the competent authority of the handling bank;
(7) After receiving the notice, the entrusted bank signs a loan contract with the borrower, goes through the formalities of mortgage, pledge or guarantee, signs a power of attorney for entrusted transfer payment, and opens a special account for personal loan;
(8) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan funds, and then the entrusted bank will transfer the entrusted funds together with the personal loan funds of the bank into the developer's account;
(9) The borrower shall repay the provident fund loans and personal bank loans on time according to the prescribed methods;
(10) The borrower pays off the loan principal and interest, cancels the mortgage guarantee and takes back the relevant documents.
(The above answers were published on 20 15-06-29. Please refer to the actual situation for the current purchase policy. )
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