Larger bank outlets can handle it. No matter whether the customer handles the housing loan in the bank or not, he can handle the fund custody business. The specific handling method is: the borrower (buyer) signs a custody agreement with the seller's personal account, and the bank supervises the funds in the custody account according to the agreement, and transfers them together after meeting the agreed conditions and being effectively authorized.

Second, how to open fund custody in a third-party bank?

(1) You need to go to the depository bank designated by the securities company.

I need to open a securities margin account in the business department of a securities company with my valid ID card, designate ICBC as the depository bank for funds, and sign the corresponding bank depository agreement for customer transaction settlement funds.

(2) The customer goes to the bank to confirm the establishment of depository relationship:

① Counter handling:

You need to bring your valid ID card, securities fund card, bank savings card or passbook (if you don't have a savings card or passbook, you can open it at a bank outlet), the Bank Depository Agreement for Customer Transaction Settlement Funds signed with the business department of a securities company, fill in the Application for Opening a Third Party Depository at the ICBC outlet, and confirm the establishment of the depository relationship, then you can open the business function.

② Self-registration:

Banks provide online self-registration third-party depository services for customers who open securities accounts in securities companies, which are bound to bank accounts. You only need to sign a tripartite agreement on third-party depository through online banking to complete the opening procedures of third-party depository of customer transaction settlement funds and establish the binding relationship between securities fund ledger and bank settlement account.

3. Which banks can handle fund custody business?

Everbright Bank can handle the custody business of personal commodity trading funds. Personal commodity trading fund custody business refers to that in personal commodity trading, the buyer or seller opens a custody account and entrusts China Everbright Bank to keep the trading funds. When both parties to the transaction fulfill the trading contract and reach the agreed conditions, Everbright Bank will assist both parties to complete the delivery of commodity trading funds as agreed; If the two parties fail to reach a deal for some reason, China Everbright Bank will return the transaction funds according to the agreement and the authorization of the customer.

Provisions on the number of individual housing loans: the standard for determining the number of housing loans is "recognizing the housing and recognizing the loan", that is, the number of complete housing units actually owned by the family members (including the borrower, spouse and minor children) to be purchased is determined, and the borrower who has used the loan to purchase 1 housing (and above) and applied for a loan to purchase housing is also determined as the second housing (and above).

Term of first-hand housing loan: the longest term of housing loan is 30 years, and the sum of the loan term and the borrower's age shall not exceed 70 years old.

Second-hand housing loan term: the longest housing loan term is 30 years, and the sum of the loan term and the borrower's age shall not exceed 70 years old. In addition to the above requirements, the second-hand housing loan must also meet the following conditions: the loan period shall not exceed the remaining service life of the land occupied by the mortgaged house; The term of mortgage loan is less than or equal to 45 years, and the urban center can be appropriately relaxed to 55 years.

4. Which banks can handle fund custody business?

Banks can do it, right?