1. What are the criteria for identifying portfolio loans?
The recognition standards of provident fund and commercial loans are the same as those of provident fund loans and commercial loans.
2. What is the loan ratio of portfolio loan?
70% of the first loan;
B There is a residential property in Shenzhen: a 30% loan.
3. What is the loan amount of the portfolio loan?
First, the provident fund:
(1) Single (the maximum personal loan is 500,000 yuan and does not exceed my balance 14 times, and the monthly deposit amount of provident fund is less than or equal to the deposit base × 50%);
② Married (the maximum loan for a family is 900,000 yuan, which is not more than 14 times of the sum of husband and wife's balance, and the monthly contribution of provident fund is less than or equal to the sum of husband and wife's contribution base ×50%). Only one of the husband and wife has a provident fund, and the maximum loan is 500,000).
B commercial loan: (whichever is lower) × loan ratio-provident fund loan.
4. What is the basic process of portfolio loan?
Customer qualification review → file search → evaluation → signing a real estate sales contract → bank face-to-face signing → provident fund loan approval → commercial bank loan approval → bank commitment letter → transfer → tax payment, license, mortgage registration → loan (first provident fund loan, then commercial loan).
5. What is the time limit from face-to-face signing to lending?
The aging time is about 1- 1.5 natural months.
6. Who needs to be present when the customer handles the portfolio loan interview, and what materials need to be provided at the same time?
A. The borrower shall be present (if the borrower is married, the borrower and his spouse shall be present);
B, the customer must provide information:
(1) Original ID card and original household registration book (including home page, my home page and change page, and the marital status in the household registration book is consistent with the submitted materials);
Proof of marriage relationship (such as marriage certificate, divorce certificate, court verdict, etc.). );
(3) Real estate sales contracts, deposit receipts and transfer receipts;
Income certificate issued by the applicant's work unit;
⑤ Bank running water (bank seal) provides income for nearly six months;
⑥ Other materials: large time deposit certificate, automobile driving license, immovable property certificate, stock fund market value table, business license, etc.
C. The owner must provide information: original ID card, copy of immovable property certificate, and original Shenzhen bank card (Class I card).