The monthly salary must be twice the monthly payment, which means that your provident fund loan is 1 10, the business loan is 26, and the loan is 18. Calculate the monthly payment of 8700+, then your monthly income must be 8700+ plus 8700+, and some foreign banks must have the word "salary" when lending. Domestic banks generally do not have such strict requirements. Generally speaking, most banks require a half-year validity (validity means that you have a normal income and a normal account, and today you have 10000). Generally, it doesn't count as 10000. It will be sent tomorrow or the day after tomorrow. For example, if you pay 10000 today, 1000 the day after tomorrow, 1000 three days, and 2000 a week, it can be counted as 10000), and the assets will reach your monthly income.
Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.
That is, provident fund loans and commercial loans are used at the same time. Generally, it is only used when personal loans exceed the high limit of provident fund loans stipulated by the local government. For example, to buy a high-end house, you need to borrow 500 thousand, while the local provident fund management stipulates that the provident fund should borrow 400 thousand more. In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.
To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. 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.