Materials to be prepared for personal portfolio loan: (1) ID card); (2) the borrower's repayment ability and asset certificate recognized by the provident fund management department and the loan bank; (3) Legal purchase contracts, agreements and approval documents; (4) Where mortgage or pledge guarantee is involved, a written ownership certificate of mortgaged property or pledge right shall be provided; (5) Where the guarantee is involved, the written commitment of the guarantor to provide the guarantee and the credit certificate of the guarantor shall be provided; (6) Other documents and materials stipulated by the borrower's self-raised purchase price.
Second, what is the portfolio loan process? What materials need to be prepared?
Portfolio loan is actually a combination of commercial loan and provident fund loan, which is generally handled when the provident fund is not enough to pay all the house payment. Due to the soaring housing prices and the limited amount of provident fund loans, more and more people apply for this kind of portfolio loans.
Process of buying a house with portfolio loan:
1) to apply. The loan applicant shall submit a written loan application to the housing fund management center and the Construction Bank respectively, and submit relevant materials.
2) sign the contract. After the loan applicant obtains the personal housing loan amount of the provident fund, he/she applies for a portfolio loan (personal housing loan of the provident fund and housing loan with his/her own account) from the loan bank with the Notice of Entrustment of Personal Housing Loan of the Provident Fund issued by the Provident Fund Management Department. After receiving the notice that the bank agrees to the loan, the customer needs to sign a loan contract and a guarantee contract with the loan bank respectively for the provident fund personal housing loan and the self-owned account housing loan, and handle the notarization between China and the DPRK as appropriate.
3) Mortgage and insurance. After the signing of this contract, necessary procedures such as mortgage registration and insurance shall be handled in accordance with national and local laws and regulations. Mortgage registration and insurance fees shall be borne by the borrower, and the original insurance policy shall be kept by the loan bank during the mortgage period.
4) open an account. Customers who choose to entrust deduction for repayment open a special savings passbook account, savings card or credit card account in the loan bank. At the same time, the seller shall open a special deposit account in the loan bank.
5) expenditure. The borrower shall fill in the "loan transfer voucher" for provident fund personal housing loan and self-owned account housing loan respectively at the bank accounting front desk. According to the loan contract, the loan bank will directly transfer the loan to the deposit account opened by the borrower in the loan bank, or transfer it to the seller in one lump sum or in installments. In a deposit account opened by rhodium bank.
6) Repayment on schedule. The borrower shall repay the provident fund personal housing loan and self-owned bank housing loan on schedule according to the repayment plan and repayment method agreed in the loan contract. At present, there are two repayment methods: entrusted bank deduction and counter repayment.
7) loan settlement. Loan settlement includes early settlement and normal settlement. Early settlement refers to the settlement of the loan (one-time repayment of principal and interest) or the last loan (installment loan) before the loan maturity date; Normal settlement refers to the settlement of the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment loan). If the loan is settled in advance, the borrower shall submit an application for early settlement to the provident fund management department or (and) the loan bank 10 working days in advance after paying off all the payables.
The borrower gets the Loan Settlement Certificate from the loan bank, gets back the mortgage registration certificate of real estate ownership and the original insurance policy, and goes to the original mortgage registration department for mortgage registration cancellation with the Loan Settlement Certificate issued by the loan bank.
Materials needed for portfolio loan?
When customers apply for loans from the provident fund management department and the bank in turn, they need to submit the following materials:
1) Identity documents (resident identity card, household registration book or other identity documents);
2) Proof materials of the borrower's repayment ability recognized by the provident fund management department and the loan bank, such as income certificate and asset certificate.
3) Legal purchase contracts, agreements and approval documents;
4) In case of mortgage or pledge guarantee, the ownership certificate of the mortgage or pledge right and the written certificate that the authorized person agrees to mortgage or pledge shall be provided;
5) Where the guarantee is involved, the written commitment of the guarantor to provide the guarantee and the credit certificate of the guarantor shall be provided;
6) Relevant certificates of the borrower's self-raised house purchase funds;
7) Other documents and materials specified by the provident fund management department and the loan bank.
Third, the process and matters needing attention of housing portfolio loan?
1, apply. The portfolio lender applying for house purchase shall submit a written application to the local housing provident fund management department and submit relevant materials.
2. Sign the contract. After obtaining the amount of individual housing loan from the housing provident fund, the portfolio lender who applies for the house purchase applies for the portfolio loan from the loan enterprise bank with the Notice of Entrustment of Individual Housing Loan from the provident fund management department. After the application is approved, it is necessary to sign a loan contract and a guarantee contract with the loan enterprise bank and notarize it.
3. Apply for mortgage insurance. After signing the contract, go through the necessary formalities such as mortgage registration and insurance at the loan bank, pay the mortgage registration and insurance fees, and hand over the original insurance policy to the loan bank for safekeeping.
4. Open an account. Customers who choose to entrust deduction for repayment open a special savings passbook account for repayment at the loan bank. At the same time, the seller shall open a special deposit account in the loan enterprise bank.
5. expenditure. Lenders who apply for housing portfolio fill in the deposit certificate of housing portfolio loan at the bank accounting front desk, and then the loan bank directly transfers the loan to the borrower's deposit account according to the contract.
6. Repay on schedule. The borrower shall repay the provident fund personal housing loan and self-owned bank housing loan on schedule according to the repayment plan and repayment method agreed in the loan contract. At present, there are two repayment methods: entrusted bank deduction and counter repayment.
4. How to apply for a personal portfolio loan, and what procedures are required to apply for a personal portfolio loan, ...
Loan Conditions The loan applicant is a natural person with full capacity for civil conduct in China, aged between 18 and 60. The loan applicant must meet the following conditions: 1, with local permanent residence or valid residence status; 2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 3. There is a purchase contract or agreement; 4. Deposit the down payment for house purchase in the bank or provide proof materials for the down payment; 5. Pay the housing provident fund in full and on time; 6 other conditions stipulated by the bank or the housing provident fund management department. Loan procedures 1. The loan applicant needs to sign a purchase contract with the real estate developer; 2. The loan applicant needs to open a current deposit account in the banking institution, deposit the down payment for house purchase, or pay the down payment for house purchase to the developer; The loan applicant shall fill in the relevant forms as required and submit the materials required for examination and approval; 3. Banks and housing provident fund management departments designate managers or entrust law firms to review and investigate the materials submitted by loan applicants; 4, the bank and the housing provident fund management department for examination and approval, and notify the loan applicant of the examination and approval results; 5, the loan applicant and the bank and the housing provident fund management department signed a loan contract, mortgage registration and other procedures; 6. When the bank issues loans, the borrower repays the principal and interest in accordance with the loan contract. Materials to be submitted: identity certificate (including ID card, household registration book or temporary residence permit), income certificate, marriage certificate, loan application form, down payment certificate, house purchase contract, loan contract, house ownership certificate, house ownership certificate, etc. For details, please consult local branches and banks ... loan conditions. The loan applicant is a natural person in China, aged between 18 and 60, with full capacity for civil conduct. The loan applicant must meet the following conditions: 1, with local permanent residence or valid residence status; 2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 3. There is a purchase contract or agreement; 4. Deposit the down payment for house purchase in the bank or provide proof materials for the down payment; 5. Pay the housing provident fund in full and on time; 6 other conditions stipulated by the bank or the housing provident fund management department. Loan procedures 1. The loan applicant needs to sign a purchase contract with the real estate developer; 2. The loan applicant needs to open a current deposit account in the banking institution, deposit the down payment for house purchase, or pay the down payment for house purchase to the developer; The loan applicant shall fill in the relevant forms as required and submit the materials required for examination and approval; 3. Banks and housing provident fund management departments designate managers or entrust law firms to review and investigate the materials submitted by loan applicants; 4, the bank and the housing provident fund management department for examination and approval, and notify the loan applicant of the examination and approval results; 5, the loan applicant and the bank and the housing provident fund management department signed a loan contract, mortgage registration and other procedures; 6. When the bank issues loans, the borrower repays the principal and interest in accordance with the loan contract. Materials to be submitted: identity certificate (including ID card, household registration book or temporary residence permit), income certificate, marriage certificate, loan application form, down payment certificate, house purchase contract, loan contract, house ownership certificate, house ownership certificate, etc. Please consult your local branch for details, and the bank staff will help you understand the specific requirements of retail loan business.