1. What is the handling process of Haikou portfolio loan?
1. The borrower applies for housing provident fund loans to the real estate credit department of CCB in all districts and counties 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 the husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of the relationship between husband and wife) and fill out the Application Form for Personal Housing Provident Fund Loans (Combined Loans).
2. 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. After examining the borrower's application, the loan bank signs a loan contract and a mortgage contract (or a pledge contract without housing guarantee) with the bank.
3. After the loan contract is signed, there are two ways to guarantee the housing provident fund loan (portfolio loan) to the relevant departments. The borrower can choose any one of them according to his actual situation. The borrower can pledge its own, * * own or third-party property, bank time deposit certificates and other securities recognized by the lending bank, and the borrower will take these securities to the lending bank for safekeeping.
2. How long does it take to approve the Haikou portfolio loan?
1. It usually takes 7- 10 working days to submit spare parts and funds to the buyer and seller for approval. Lending time: the process of group loan is to issue the certificate first and then lend money. Generally speaking, it takes 45 working days for approval, but at present, banks are short of money and take longer.
2. Generally, after all the formalities are completed, the handover will be completed to see if you have any special requirements, but you need to communicate with the seller. On the day of transfer, the buyer and the seller go to the bank to sign a commercial loan contract, and then the buyer and the seller go to the exchange to handle the transfer procedures.
3. After signing the commercial loan contract, the original passbook of the buyer and the seller must be left in the host bank? After the new title certificate is issued, a copy will be sent to the appraisal office. After the appraisal report comes out, it takes 5- 10 working days to conduct a preliminary examination on the amount, term and qualification of the provident fund loan of the buyer's customers, and send the combined loan contact form and appraisal report to the commercial loan bank.
4. After the signing of the provident fund loan contract 13 working days, part of the provident fund loan will be released, and part of the commercial loan will be released within 3-5 working days after the completion of the public loan.
The above is the relevant information about the handling process of Haikou portfolio loan and how long it takes for Haikou portfolio loan approval.
The above is the process of Haikou portfolio loan I introduced. How long will it take for Haikou portfolio loan to be approved? We know something about the process and approval time of portfolio loan. I remind you that you must find a formal bank loan when you borrow, and prepare some loan materials when you borrow, which will shorten the processing time.