Portfolio loan means that borrowers who meet the requirements of personal housing commercial loans can also apply for personal housing provident fund loans, and at the same time apply for personal housing provident fund loans and personal housing commercial loans from banks.
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.
Required information:
Loan application form;
ID card, household registration book and proof of marital status;
Original and photocopy of the whole house sales contract (2 copies);
Application for registration of ownership transfer (provided by the developer);
Copy of advance payment receipt (2 copies);
Private seal (one for each married couple);
Personal wage income certificate (the developer provides format paper, and its unit confirms and seals it);
Portfolio loan contact sheet and its copy (1 copy);
Commercial loan contract;
Sixth copy of maintenance fund receipt.