At present, many people will use the combination of provident fund loans and commercial loans in the process of buying a house, which is also commonly known as portfolio loans. You can use this loan to buy a second-hand house.

Second-hand housing personal housing portfolio loan process is roughly as follows:

Sign the contract → pay the deposit → pay the down payment → fund supervision → online signing → evaluation → face-to-face signing of commercial loans → face-to-face signing of provident fund loans → transfer → tax payment → license → unfreeze the down payment → commercial loans → provident fund loans → delivery of houses.

The down payment ratio of portfolio loans must meet the requirements of provident fund loans and commercial loans. When the down payment ratio of the two is inconsistent, the down payment ratio of the higher party shall be taken as the down payment ratio of the combined loan.

Therefore, the down payment ratio of portfolio loans is generally implemented in accordance with the down payment ratio of commercial loans stipulated by each city.

To apply for portfolio loans, it is the most basic requirement to continuously deposit housing provident fund 1 year or more, and it must meet the standard of provident fund loans.

At the same time, the borrower must have the conditions to apply for bank commercial loans.

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What is the process of buying a second-hand house with a portfolio loan?

The borrower to the housing fund management (sub) center to fill in the "loan application form" and provide relevant information; Wei Yun doesn't have much global information, but there are still some views that are questionable or wrong. The platform claimed to be launched by a Hong Kong fund company, but did not specify the specific name of the company. There are so many fund companies in Hong Kong, who knows which one? In addition, it is said that it was initiated by the shareholders of the Money Egg Exchange, but the Money Egg Exchange has no IRC currency issued globally in Wei Yun. From the perspective of operation mode, it is no different from pyramid scheme. It still has the characteristics of suspected pyramid schemes such as admission fee, offline, hierarchy and team remuneration, and its income is ridiculously high. Brother Dazui has long said that the higher your income, the more careful you should be. High returns are often accompanied by high risks!

Most importantly, Wei Yun's global websites are not put on record, which shows that security cannot be guaranteed.

It is best not to use provident fund loans for second-hand houses;

1, it is best not to use provident fund loans for second-hand houses. First, provident fund loans for second-hand houses have many advantages. The interest on provident fund loans will be much lower than that on commercial loans, which is very attractive. Moreover, the sources of provident fund loans are extensive, and the age limit of second-hand houses is less. Moreover, it is not restricted by bank accounts and can freely choose bank loans. If you want to repay in advance, it is also very convenient. You can choose partial repayment and full repayment, so many people like to buy second-hand houses with provident fund loans;

2. It is best not to use provident fund loans for second-hand houses. Second, the second-hand housing provident fund loans have drawbacks. For example, the loan amount is limited. For example, for a 2 million house, if the provident fund loan can only reach 800,000 at most, it is a disadvantage for many people to prepare 6,543,800+0.2 million in cash to buy it. In addition, provident fund loans need to meet certain conditions before they can apply. Others say that the review of provident fund loans is too slow, the degree of provident fund loans is complex, the review period is long, and developers are slow to pay back. Now many areas have begun to streamline the procedures for provident fund loans.