2. Marriage certificate (original and photocopy), divorce certificate (original and photocopy) and unmarried certificate.

3. Original and photocopy of the household registration book (home page and personal page are required for collective accounts).

4. Income certificates of all borrowers (confirmed and sealed by their units).

5. Down payment invoice.

6 provident fund account (including co-borrower).

7. The account number of the real estate developer.

8. A copy of the qualification certificate, business license and ID card of the legal representative of the real estate developer.

9, pre-sale permit (faster) or large production certificate (existing) copy.

10, the original of the pre-sale contract (auction house) or the sales contract (existing house).

What is the process of buying a house with a portfolio loan?

1, apply. Lenders applying for housing portfolio submit a written application to the local housing fund management department and submit relevant materials.

2. Sign the contract. After obtaining the amount of individual housing loan from the housing provident fund, the portfolio lender who applies for the house purchase applies for the portfolio loan from the loan enterprise bank with the Notice of Entrustment of Individual Housing Loan from the provident fund management department. After the application is approved, it is necessary to sign a loan contract and a guarantee contract with the loan enterprise bank and notarize it.

3. Apply for mortgage insurance. After signing the contract, go through the necessary formalities such as mortgage registration and insurance at the loan bank, pay the mortgage registration and insurance fees, and hand over the original insurance policy to the loan bank for safekeeping.

4. Open an account. Customers who choose to entrust deduction for repayment will open a special savings passbook account in the loan bank for repayment. At the same time, the seller shall open a special deposit account in the loan enterprise bank.

5. expenditure. Lenders applying for housing portfolio fill in the deposit certificate of housing portfolio loan at the front desk of banking accounting, and then the loan enterprise bank directly transfers the loan to the borrower's deposit account according to the contract.

What should I pay attention to when applying for a portfolio loan?

1. Only provident fund depositors can apply for portfolio loans. The so-called portfolio loan is a loan model of "commercial loan+provident fund loan", so in order to apply for this loan, the borrower must pay the provident fund in full and on time at the place where the house is to be purchased, and the provident fund account is still in the normal payment state.

2. Make full use of provident fund loans. When applying for portfolio loans, buyers should make full use of provident fund loans, extend the loan term as much as possible, and shorten the commercial loan term to a great extent, so as to reduce the monthly repayment amount and save the loan cost.

3. Commercial loans should be paid off before the repayment period. Friends who apply for portfolio loans to buy a house should give priority to commercial loans if they want to repay their loans before the repayment deadline, because the loan interest rate of commercial loans in portfolio loans is higher than that of provident fund loans. If the commercial loan is paid off first, the borrower can save a lot of mortgage interest.

4. Determine the loan amount. Once the loan amount of the provident fund part of the portfolio loan is determined, it cannot be changed. Therefore, the loan applicant and spouse need to go to the provident fund management center to inquire about the loan amount, and determine the loan amount applied according to their own situation.