There is no order for the repayment of portfolio loans to buy a house, and the bank will deduct the monthly payment of provident fund and commercial loans at the same time. The loan part of the combined loan provident fund and the commercial loan part are in the same bank, so the bank card for repaying the loan is the same. On the repayment date, the bank will automatically deduct the monthly repayment amount from the repayment bank card.

Procedures and procedures for buying a house with a portfolio loan

1. The borrower fills in the loan application form at the housing fund management (sub-) center and provides relevant information;

2. The housing fund management (sub-) center conducts a preliminary examination of the borrower, including verifying the loan application form, verifying the loan amount and term, and determining the loan guarantee method;

3. The amount of provident fund loans is not enough;

4. The entrusted bank investigates the borrower, including: whether the purchase behavior is legal; Whether the collateral meets the requirements; Income, whether it has the ability to repay the principal and interest of the loan; If there is a guarantor, whether the guarantor has the guarantee qualification, etc. ;

5. After investigation by the entrusted bank, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval. The entrusted institution investigates and provides individual housing portfolio loans, which shall be examined and approved by the competent authority of the institution;

6, after approval, the housing fund management (sub) center issued a notice of entrusted loans. Approved by the competent authority of the handling bank;

7. After receiving the notice, the entrusted bank signs a loan contract with the borrower, goes through the formalities of mortgage, pledge or guarantee, signs a power of attorney for entrusted transfer payment, and opens a special account for personal loan;

8. After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan funds, and then the entrusted bank will transfer the entrusted funds together with the personal loan funds of the bank into the developer's account;

9. The borrower repays provident fund loans and personal bank loans in the prescribed way;

10. The borrower pays off the loan principal and interest, cancels the mortgage guarantee and takes back the relevant documents.

Matters needing attention in buying a house with portfolio loan

1. Only provident fund depositors can apply for portfolio loans. The so-called portfolio loan is the loan model of "commercial loan+provident fund loan", so 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 a normal state of deposit.

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. Customers who apply for a portfolio loan to buy a house should give priority to commercial loans if they want to repay the loan before the repayment period, 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, so the loan applicant and spouse need to go to the provident fund management center to inquire about the maximum loan amount and determine the final loan amount according to their own situation; The maximum loanable amount of portfolio loans is determined by two aspects, namely, the maximum amount of provident fund loans and the maximum amount of commercial loans. The lower of the two is the final loanable amount of the portfolio loan.

5. Choose the repayment method that suits you. For every borrower, when signing a loan contract with a bank, he must first understand these repayment methods and determine the repayment method that suits him, because once the repayment method is agreed in the contract, it is generally not allowed to change it during the whole loan period.