Taking Zhengzhou Housing Provident Fund as an example, according to Article 3 of Instructions for Portfolio Loans of Housing Provident Fund, the application conditions of portfolio loans. To apply for portfolio loans, the following conditions shall be met at the same time:
1. The purchased property is a newly-built compliant commercial residence in Zhengzhou (excluding second-hand commercial residence), and the real estate project is a personal housing loan access project of the entrusted bank, which has been filed in the management center;
2, in line with the housing provident fund and commercial bank personal housing loan conditions;
3. I and my spouse have no outstanding personal housing loans or other large debts;
4. Agree to guarantee according to the guarantee method recognized by the management center and the entrusted bank;
5. Other conditions required by the management center and the entrusted bank.
Extended data:
"Notes on Housing Provident Fund Portfolio Loan" Article 5 Portfolio Loan Handling Process
1. The borrower applies to the management center and the entrusted bank successively with the application materials.
2. The borrower shall go through the loan formalities at the entrusted bank and the management center respectively with relevant information.
3. The borrower shall go through the formalities of loan guarantee and house mortgage at the guarantee company with relevant materials.
4. The borrower starts to repay the principal and interest of the portfolio loan in the second month of the loan date, and receives the mortgage contract, loan contract and other texts according to the notice of the guarantee company.
Notes on Zhengzhou Housing Provident Fund-Housing Provident Fund Portfolio Loan