Portfolio loan process:

The procedures for purchasing commercial housing and applying for individual housing provident fund loans (portfolio loans) can be divided into five steps:

Step 1: Apply for a loan at the loan bank.

The borrower applies for housing provident fund loans to the real estate credit departments of CCB in all districts and counties with a copy of the purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (marriage certificate or other proof of husband-wife relationship is required for couples to use housing provident fund loans), and fills in the Application Form for Individual Housing Provident Fund Loans (Combined Loans).

Step 2: Bank audit

According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term.

Step 3: Sign a loan contract with the loan bank.

After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee). Consortium lending

Step 4: Go to the property right department to handle the loan guarantee procedures.

There are two ways to guarantee housing provident fund loans (portfolio loans), and borrowers can choose either one according to their actual situation.

1. The borrower can mortgage its own, * * own or third-party property.

To purchase commercial housing and affordable housing (with property right certificate) and mortgage the purchased housing, you should hold the borrower's ID card, original prepayment receipt, seal, loan contract and mortgage contract, fill out the Registration Form of Other Rights of Tianjin Housing and affix the seal of the borrower (mortgagor) and loan bank (mortgagee), and then go to the real estate management department where the house is located to handle other rights of the house.

If the borrower mortgages the house by auction (without obtaining the property right certificate), he shall apply for the Tianjin real estate mortgage certificate with the above materials to the property right management office of the county real estate administration where the house is located.

2. Pledge the securities recognized by the lending bank, such as treasury bonds and bank time deposit certificates, and the borrower will hand over the securities to the lending bank for safekeeping.

Step 5: Go through the formalities of housing mortgage insurance.

After the borrower completes the mortgage or pledge formalities in the property right department, he shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for home insurance formalities.

Step 6: Sign the repayment agreement and transfer money.

If repayment is made by withholding savings card, the borrower shall apply for withholding savings card repayment at all savings outlets of CCB and sign a withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank.

Step 7: Bank Transfer

The borrower shall go to the loan bank to handle the payment formalities according to the time agreed with the loan bank, and the loan bank will allocate the money to the house selling unit; The borrower shall withdraw the repair and construction loan as agreed in the loan contract.