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, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.
Information required for portfolio loan:
Loan application form;
Identity cards, household registration books and marital status certificates of both husband and wife;
Original and photocopy of the whole house sales contract;
Application for registration of ownership transfer (provided by the developer);
Copy of advance payment receipt;
Private seal (one for each married couple);
Personal wage income certificate;
A copy of the contact form and the contact form of the portfolio loan;
Commercial loan contract.
Portfolio loan application method:
Apply for a portfolio loan, and the preliminary procedures are the same as those for provident fund loans;
After preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank;
After the approval of the two loans is completed, the bank will transfer them to the account of the selling unit;
In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans can be different, but different interest rates are implemented.