2. If the mortgage amount of commercial bank loans is not in short supply, then commercial loans and provident fund loans can be loaned at the same time. However, in special circumstances, loans will generally be given to the provident fund first. Special circumstances mean that the amount of bank loans has been severely tightened. In this case, the time for commercial banks to lend money will be longer, and the entrusted loan funds of provident fund will be more sufficient. At this time, the provident fund management center will coordinate with the joint commercial bank to entrust the provident fund loan to the loan applicant first.
I. Portfolio loan
Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.
Second, classification
1. Personal housing portfolio loan refers to the borrower who meets the conditions of a bank's personal housing commercial loan and pays the housing provident fund at the same time. While handling commercial loans for individual housing, you can also apply to the bank for personal housing provident fund loans. That is, the borrower takes the purchased urban self-occupied housing in this city as collateral, and the bank issues personal housing loans to the same borrower at the same time to purchase the same set of self-occupied ordinary commodity housing, which is a general term for policy and commercial loan portfolios.
2 that is, provident fund loans and commercial loans are used at the same time. Generally, it is only used when personal loans exceed the maximum amount of provident fund loans stipulated by the local government. For example, buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum amount of provident fund loans is 400,000 yuan. In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.
3. Portfolio loan refers to the loan issued by the housing fund management department to the same borrower with policy housing funds and commercial banks with credit funds. It is the general name of policy loan and commercial loan portfolio. When individuals can't pay the purchase price through provident fund loans, they can apply for portfolio loans from the handling bank entrusted with provident fund loans.
Third, the process
1. Personal housing portfolio loan refers to a commercial housing loan that an individual applies to a bank when the housing provident fund loan is insufficient to cover the cost of buying a house. Apply for individual housing portfolio loans, must comply with the provisions of the housing provident fund management department on provident fund loans and commercial housing loans.
2. To apply for individual housing portfolio loan, the borrower shall first apply to the commercial bank and provide relevant certification materials; Commercial banks apply for provident fund loans from provident fund trustee banks on behalf of borrowers on the basis of relevant supporting materials of payers; Upon examination, the entrusted bank of the provident fund promises the borrower the loanable amount and term of the provident fund loan in writing, and informs the commercial bank at the same time; After examination, the commercial bank promised the borrower the amount and duration of commercial loans in writing.
3. Sign a personal housing loan contract, and the loan bank will transfer the loan amount to the account opened by the selling unit in the bank according to the time agreed in the loan contract.