Personal housing portfolio loans refer to borrowers who meet the conditions of a bank's personal housing commercial loans and deposit housing provident funds at the same time. While applying for personal housing commercial loans, they can also apply for personal housing provident funds from the bank. loan. That is, the borrower uses the self-occupied urban housing in this city as collateral, and the bank issues personal housing loans to the same loan applicant at the same time for the purchase of the same set of self-occupied ordinary commercial housing. It is a combination of policy and commercial loans. General term.

So, how to apply for a housing provident fund portfolio loan in Changsha? What conditions are required?

Application conditions for a housing provident fund portfolio loan in Changsha:

1. In the management center or with The management center signs an off-site loan cooperation agreement with the city's housing provident fund management center to pay the housing provident fund in full and on time for more than 6 months and continue to make normal deposits;

2. The property purchased is limited to the administrative area of ??this city Housing with the nature of state-owned land;

3. Have a legal and valid house purchase contract or property ownership certificate (existing house, second-hand house), and the house purchase contract must be registered with the real estate transaction department, and the loan application must be signed within the time of signing the house purchase contract The time shall not exceed one year;

4. The developer of the property purchased by the applicant has signed a property cooperation agreement with the guarantee company;

5. I and my spouse have no outstanding personal debts Housing provident fund loan;

6. Other conditions specified by the management center or commercial bank.

Package loan process:

The process of applying for a personal housing provident fund loan (portfolio loan) to purchase commercial housing and affordable housing can be divided into five steps:

The first step : Go to the lending bank to apply for a loan

The borrower should go to the CCB Real Estate Credit Department in each district or county to apply for a housing provident fund loan with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card, and seal. (If you use a housing provident fund loan for both spouses, you must also bring a marriage certificate or other proof of the relationship between husband and wife.) Fill out the "Individual Housing Provident Fund Loan (Package) Loan Application".

Step 2: Bank review

The lending bank will assess whether the borrower meets the loan conditions based on the information provided by the borrower, calculate the loan amount, and determine the loan term.

Step 3: Go to the lending bank to sign a loan contract

After the lending bank reviews the borrower’s application, the borrower signs a loan contract and a mortgage contract with the bank (if there is no need to sign a mortgage with a house guarantee) contract). Portfolio loan

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

There are two guarantee methods for housing provident fund loans (portfolio loans), and the borrower can choose according to his or her actual situation Any of these.

1. The borrower can use his or her own, private or third-party properties for mortgage.

Purchase commercial housing or affordable housing (the property ownership certificate has been obtained) and use the property purchased and built To apply for a mortgage on a house, take the borrower's ID card, original advance payment receipt, name seal, loan contract, and mortgage contract, fill in the "Tianjin Housing Other Rights Application Registration Form" and stamp it with the borrower (mortgagor) and the lending bank (Mortgagee), go to the property rights management department where the house is located to apply for the "Other Property Rights Certificate".

If the borrower uses an off-plan house as a mortgage (without obtaining a property rights certificate), he or she should take the above materials to the property rights management department of the district or county real estate bureau where the house is located to apply for the "Tianjin Real Estate Mortgage Certificate".

2. Use treasury bonds, bank time deposit certificates and other securities recognized by the lending bank for pledge, and the securities held by the borrower will be handed over to the lending bank for safekeeping.

Step 5: Apply for housing mortgage insurance

After the borrower goes to the property rights department to complete the mortgage or pledge procedures, together with the loan contract, mortgage contract (pledge contract), and other housing items The loan information such as warrants and mortgage certificates must be submitted to the lending bank for house insurance procedures.

Step 6: Sign the repayment agreement and transfer the money

If the repayment is repaid by debiting the savings card, the borrower should go to a CCB savings outlet to apply for the repayment with the savings card, and Sign a withholding agreement with the lending bank. If the unit is entrusted to withhold the repayment, the unit shall sign an agreement with the lending bank.

Step 7: Bank transfer

The borrower goes to the lending bank to go through the payment procedures at the time agreed with the lending bank, and the lending bank transfers the money to the selling unit; for Loans for house repair and construction are drawn by the borrower according to the loan contract.

(The above answer was published on 2016-12-22, please refer to the actual relevant current house purchase policies)

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