If property buyers need to apply for portfolio loans, they must first bring their own housing sales contracts and copies of commercial housing sales licenses issued by developers. In addition, I need to bring my ID card, housing provident fund savings magnetic card and seal to the real estate credit department of CCB in all districts and counties to apply for housing provident fund loans. However, it should be noted that when both husband and wife apply for housing provident fund loans, they must also bring a marriage certificate or other proof of marital relationship and fill out the Application Form for Personal Housing Provident Fund Loans (Combined Loans).

2. Bank audit

When the lender submits a loan application at the bank, the bank will review the loan information submitted by the lender. After reviewing the information of the buyers, it will judge whether the buyers meet the loan conditions, calculate the loan amount and determine the loan term.

3. Sign a loan contract with the loan bank.

If the loan application submitted by the buyer is approved by the bank, the lender needs to sign a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee).

4, to the property department for loan guarantee procedures.

Usually, if buyers want to buy a house through a loan when buying a house, they need to guarantee the purchased house when applying for a loan. Therefore, when applying for a loan, buyers also need to go to the property rights department, that is, the real estate registration center to apply for registration, that is, mortgage registration procedures.

5, housing mortgage insurance procedures.

When property buyers pledge or mortgage their own property to the property right department, they need to submit the materials for handling the property right certificate, together with the loan materials such as the house ownership certificate and mortgage certificate, and go to the loan bank to handle the home insurance formalities.

6. Bank remittance

General property buyers can go to the loan bank to withdraw money according to the time agreed with the bank after completing all the formalities in front. Generally speaking, the money will not go through the hands of buyers, and the loan bank will directly transfer the money to the selling unit.