First, the conditions for applying for a second-hand housing portfolio loan

1, with a real identity of urban hukou or reasonable work;

2. Have a stable occupation and income, good credit information and the ability to repay loan interest;

3, with the purchase of housing contracts and agreements;

4. You can pay a down payment of not less than 20% of the total contract price of the house purchase;

5. Pay the housing personal provident fund in full and on time, and have proof that the housing fund management center allows the issuance of personal provident fund loans.

Second, what materials are needed to apply for a second-hand housing portfolio loan?

The evaluation procedure for applying for portfolio loans is the same as that for individual 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 service loans and go through relevant procedures in accordance with the provisions of financial institutions. After the two types of loans are approved, the bank will transfer the funds to the seller's account at the same time. In portfolio loans, the loan term, loan date and repayment date of individual provident fund loans and commercial loans are the same, but different interest rates are implemented.

1, provident fund account number (all accounts of participating lenders, both husband and wife accounts need to be submitted), and the total house price needs to be provided (1-2 days in advance);

2. Two copies of the household registration book of the applicant, spouse and participating lenders (read and print the whole book);

3. Two scanned ID cards of the applicant, spouse and participating lender;

4. Two copies of marriage certificate or single certificate (issued by the city where the personal file is located), and the single certificate must be the original;

5. Two copies of the certificate of origin;

6. Seven originals of my mortgage loan contract;

7. Two originals of the house sales contract (financial institution and notary office);

8. Two loan application forms;

9. Names and seals of all participants;

10, the original personal income certificate of the borrower;

1 1, which shall not be lower than the down payment ratio of the second-hand house stipulated by the local authorities and the original tax bill or receipt.

Third, the second-hand housing to apply for a portfolio loan steps

1. The borrower applies to the housing fund management center for provident fund loans and provides loan materials at the same time, and submits them to the housing fund management center for review;

2, with the consent of the housing management center, the loan amount, term, annual interest rate and other related information to the loan bank, apply for supporting facilities housing loans. After accepting the loan, the loan bank will evaluate the borrower's credit rating, status, income and repayment ability according to the information provided by the borrower, evaluate whether the borrower meets the loan standards, calculate the loan credit limit, specify the loan term, and reply to the borrower within 10 working days;

3. After the approval of the loan bank, the lender and the borrower respectively sign the Authorized Loan Contract for Personal Housing Provident Fund, My Housing Loan Contract and Loan Contract (signing a pledge contract without housing guarantee);

4. Go through the loan guarantee formalities with the property right term department. There are two main types of contracts for applying for individual housing provident fund loans (portfolio loans), and borrowers can choose either one according to their actual situation.

(1) If the borrower can use the existing, one * * * owned or third-party real estate as the pledge to purchase commercial housing and affordable housing (the real estate license has been obtained) and mortgage the house to be built, he should hold the borrower's identity certificate, the original prepayment receipt, the seal, the loan contract and the loan contract, fill in the Registration Form for Other Rights of the House and affix the official seal of the borrower (mortgagor). If the borrower mortgages the pre-sale house (without obtaining the real estate license), he shall apply for the real estate mortgage certificate with the above information to the real estate management department of the county real estate administration where the house is located.

(2) Pledged loans are pledged with commercial bills recognized by lending financial institutions, such as government bonds and bank time deposit certificates. The borrower holds commercial bills and submits them to lending financial institutions for safekeeping;

5. Handle commercial insurance for housing mortgage. After the borrower has gone through the formalities of mortgage or pledge loan in the property right unit, he will apply for home insurance at the loan bank with loan materials such as loan contract, loan contract (pledge contract), house ownership certificate and mortgage guarantee certificate.

6. Sign the transfer and deduction agreement;

7. The lending bank will transfer the portfolio loan to the account set up by the seller in the lending bank according to the transfer agreement.