1. How to apply for individual housing portfolio loan? The so-called individual housing portfolio loan refers to the loan issued to individuals who purchase ordinary housing for their own use with policy housing funds (housing provident fund) and credit funds as the sources. Because it is composed of policy personal housing loans and commercial personal housing loans, it is called portfolio loans. Housing loan individual housing portfolio loan is one of the main forms of housing loan, and its appearance makes up for the "defects" of housing provident fund loan. Provident fund loans have a certain limit, and it is difficult for employees to borrow enough money to buy a house simply from provident fund loans. It is precisely because of the emergence of commercial individual housing loans in individual housing portfolio loans that more employees who want to participate in the housing provident fund system enjoy the preferential rights of housing provident fund loans, and at the same time make up for the problem of insufficient housing provident fund loans for employees. So how to handle individual housing portfolio loans? 1. Loan conditions (1) The local provident fund is paid normally and meets other loan requirements of the local provident fund management institution. (2) Have a fixed job and a stable income. (3) There is a clear intention to purchase a house or a formal purchase contract has been signed, and the down payment accounting for more than 20% of the total house price has been paid. (4) The purchased property has personal property rights. (five) to provide loan guarantees that meet the requirements of the bank, including mortgage, pledge and guarantee. 2. Loan amount, term and interest rate (1) The loan amount is relatively high and cannot exceed 80% of the total purchase price. At the same time, the ratio of individual housing provident fund loans to commercial individual housing loans is 1: 1. (2) The loan term is determined by the total amount of policy loans and commercial loans, but the longest loan term cannot exceed 30 years. (3) The provident fund loans and commercial individual housing loans in portfolio loans shall be executed according to the individual housing provident fund loan interest rate and individual housing loan interest rate stipulated by the People's Bank of China respectively. 3. Materials to be prepared (1) loan application form. (2) The account book, ID card or other valid proof of residence of the lender. (3) The signed house purchase contract or letter of intent for house purchase and other supporting documents. (4) Letter from the housing fund management institution of the lender's unit agreeing to the loan. (5) If the lender purchases a newly-built commercial house, it shall provide a copy of the commercial house sales license of the sales unit; If you are buying public houses, you need to provide a copy of the approval document of the higher-level housing reform management agency for the "house sales plan". (6) If the lender uses mortgage or pledge as a guarantee, it needs a written certificate of the guarantor's consent to the guarantee and a credit certificate of the guarantor to show that the guarantor has the ability to repay the loan on his behalf. (7) Personal income certificate. (8) If the guarantee method is adopted, the written certificate of the guarantor's consent to the guarantee and his credit certificate are required to show that the guarantor has the ability to repay the loan on his behalf. (9) Original and photocopy of advance payment receipt exceeding 20% of the total house price. (10) personal provident fund account number. (1 1) Other materials required by the bank. 4. The loan process (1) applies to the municipal housing fund management center for individual housing portfolio loans. (2) Provide necessary loan documents as required by the bank. (3) After the loan is approved, the municipal housing fund management center shall fill in the entrusted investigation notice. (4) The lender fills in the Application Form for Individual Housing Loan. The entrusted bank conducts a pre-loan investigation on the borrower. (5) sign a portfolio loan contract, which consists of a provident fund loan contract and a commercial individual housing loan contract. (6) granting housing loans. (7) Repay the principal and interest of the entrusted loan (provident fund loan) for policy personal housing guarantee and the loan for commercial personal housing guarantee. 5. The loan guarantee (1) provides the property house as collateral. (two) to provide the loan bank's time deposit certificate and government bonds as collateral. (3) Provide a guarantor meeting the requirements of the bank as a third-party guarantee. Knowledge Tip: With the continuous increase of the central bank's loan interest rate, the nerves of the "mortgage family" are getting more and more nervous. Because the interest rate has increased, it means that your belt needs to be tighter than before! In this case, different banks began to launch various new housing loans. 1. Fixed-rate housing loan Fixed-rate housing loan refers to the interest rate agreed by both parties when the bank and the lender sign a loan contract. During the loan period, the interest rate of the loan amount does not change with the adjustment of the central bank's benchmark interest rate or market interest rate, and the lender can repay all loans at the interest rate agreed at the time of loan. At present, the fixed-rate mortgage offered by China Everbright Bank is divided into two types: less than five years and more than five years, and less than 10 years. The annual interest rate for less than five years is 5.94%. The annual interest rate is 6. 18% for more than 5 years and less than 0/0 years. The structural fixed-rate housing loan launched by China Merchants Bank implements different interest rate standards in stages. If you choose a five-year mortgage loan, one interest rate will be implemented in the first two years of the loan and another interest rate will be implemented in the last three years. The 3-year mortgage interest rate is 5.91%; The 5-year mortgage interest rate is 6.03%; The interest rate of 10 mortgage is 6.39%. Frankly speaking, this fixed interest rate is higher than the current mortgage interest rate. Unless the central bank continues to raise interest rates, buyers will not choose a fixed interest rate to save money. 2. Direct customer mortgage loan Direct customer mortgage loan is also called "advanced mortgage loan", that is, after paying a certain proportion of down payment, an individual goes to the bank to apply for a loan (the loan amount, term and repayment method are determined by the bank according to the applicant's needs). This kind of loan method does not need the developer's guarantee (the developer does not have to pay the deposit), and the buyer can directly obtain the bank loan, which not only enjoys the preferential payment of the house price in one lump sum (usually 3% ~ 6%), but also saves the production and notarization expenses. However, only the official staff of national civil servants, medical care, education, press and publication institutions are allowed to apply for the exam, and the average person cannot apply for the exam. 3. Shenzhen Development Bank has introduced biweekly mortgage payment, which means that the repayment is changed from once a month to once every two weeks, and the repayment amount is also changed to half of the original monthly repayment amount. This will not increase the monthly pressure, but also shorten the repayment period of housing mortgage loans and reduce the interest burden, but this repayment method has higher requirements for the lender's financial strength. 4. Relay Loan Relay loan was launched by Agricultural Bank of China, which means that children (or children and their spouses) are the owners of the houses purchased, and their families (both parents or one of them) jointly act as lenders, and jointly assume the repayment responsibility of the house loan. 5. Grace Period Repayment Grace Period Repayment was introduced by Shanghai Bank, which means that when buyers apply for personal housing loans, they signed a special clause with the bank: after the personal housing loans are issued, the lenders only need to pay interest every month within a certain period of time, and the loan principal can be temporarily repaid. Only after the end of the grace period can the lender begin to repay the principal and interest of the loan amount in the agreed way. This repayment method can reduce the initial repayment pressure of buyers, but the lender needs to pay an extra year's interest. 6. Barrier-free early repayment Barrier-free early repayment was proposed by Minsheng Bank, which means that buyers can apply for early repayment from the bank at any time after handling mortgage loans at Minsheng Bank, and the repayment amount can exceed the repayment amount of 1 period. After receiving the buyer's application for prepayment, the bank will complete the customer's prepayment procedures within 5 working days, mainly without charging liquidated damages. 7. Convertible mortgage The convertible mortgage loan was launched by China Everbright Bank, which means that the loans of buyers can be converted between fixed interest rates and floating interest rates, which enables borrowers to avoid the risk of interest rate fluctuations more flexibly. Moreover, when the floating interest rate is converted into a fixed interest rate, no fines and handling fees are charged; When the fixed interest rate is converted into floating interest rate, those who have borrowed for less than five years need to pay a certain penalty; People who have borrowed for more than five years do not need to pay liquidated damages. 8. Lending and Living with Double Barrier Mortgage Loan and Living with Double Barrier Mortgage Loan was launched by Bank of China. The mortgagor can apply for a monthly payment deduction account as a "mortgage financing account", and then he can deposit it as long as he has money. When the deposit balance reaches a certain amount, the excess will be regarded as early repayment of the loan, which can achieve the purpose of reducing mortgage interest expenses. At the same time, the account itself has all the functions of a current account. Customers can withdraw funds from the account at any time for other investments, such as stocks and funds. "Two-way loan" can calculate the interest that should be reduced in advance repayment on a daily basis. For example, if the lender applies for a mortgage loan of 400,000 yuan and uses the "two-way loan" business, if there is 300,000 yuan of idle funds in the account, the bank will use1100,000 yuan as the prepayment fund according to the corresponding proportion, and the remaining190,000 yuan will bear interest according to the demand deposit. 9. Personal loan to mortgage Personal loan to mortgage was introduced by China Construction Bank, which has the function of "one-time mortgage of real estate and loan recovery". As long as it is a personal loan customer of China Construction Bank, as long as a high mortgage of personal property is set, high-quality personal customers can have corresponding credit lines and enjoy one-stop financing service of on-demand lending during the credit period. For example, the house loan for buyers is 640,000 yuan with a term of 30 years. After the appreciation of the property, it is estimated that the higher credit line is 6,543,800 yuan. At this time, if the property buyer needs financing, he can get loans for many times within a higher credit line without going through the loan approval procedures again under the condition of repaying the loans on time. 10. Mortgage-to-mortgage means that the borrower can sell the collateral with the permission of the loan bank during the repayment period of the housing loan, and the housing buyer will continue to repay the loan owed by the seller. In other words, as long as the buyer of the house continues to repay the mortgage payment of the seller, the house under mortgage can be bought and sold. However, in the process of re-mortgage, because the house is still in the mortgaged state, it cannot be mortgaged for the second time. Therefore, it is necessary to issue the second loan to pay off the owner's loan first, and then the house property right can be transferred after the mortgage is released and the real estate license is obtained. Therefore, the procedure of remortgage is very complicated. If the owner wants to handle this kind of business, it is best to choose a formal large-scale housing agency to avoid unexpected risks. 1 1. Equal incremental mortgage According to the permission of the bank, the monthly repayment amount of buyers can be increased by dozens or hundreds every once in a while, but the monthly repayment amount can only be increased in the future. For example, property buyers use the equal incremental repayment method of increasing 25 yuan every six months, and the monthly repayment amount from 1 to June is 1667 yuan; The monthly repayment from July to 65438+February is 1692 yuan; The monthly repayment from June 5438+03, 2003 to June 5438+08, 2008 is 17 17 yuan.