Personal housing portfolio loan generally refers to the combination of housing provident fund loan and housing commercial loan. Refers to the workers who pay the housing provident fund in full and on time. When buying or overhauling all kinds of houses, if the amount of the housing provident fund loan applied for cannot meet the needs and is lower than 70% of the house price, you can apply for personal housing commercial loans, but the total amount of the two loans shall not exceed 70% of the house price.

Requirements for individual housing portfolio loan application

(1) has legal status;

(two) workers who have paid the housing provident fund in full and on time;

(3) Having stable economic income, good credit and the ability to repay the principal and interest of loans;

(4) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

(5) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

(6) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

(7) Meet the loan conditions stipulated by the local provident fund management department;

(8) Other conditions stipulated by the lending bank.

Personal income tax table is a form for calculating personal income tax. The personal income tax rate is the ratio of personal income tax to taxable income. The personal income tax rate is stipulated by the corresponding laws and regulations of the state and calculated according to personal income. Paying personal income tax is the obligation of citizens whose income reaches the payment standard.