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.
The application object of portfolio loan
Employees who meet the conditions of commercial bank housing provident fund and individual housing loan, have full capacity for civil conduct, good personal credit, stable economic income, have the ability to repay the principal and interest of the loan, and have paid the down payment for house purchase according to the prescribed proportion can apply for portfolio loans.
Loan amount, term, interest rate and repayment method of portfolio loan 1
The maximum amount of portfolio loan is 700,000 yuan, and the loan amount does not exceed 70% of the total price of the purchased property (40% for the second house, and the third and above houses are not supported).
Among them, the amount of housing provident fund loans does not exceed the maximum amount of housing provident fund personal housing loans, and the amount of personal housing loans of commercial banks is not less than 50,000 yuan.
2. Term of loan
The longest term of portfolio loans is 30 years, and the term of housing provident fund and individual housing loans of commercial banks should be the same. Among them, the male borrower's age plus the loan period does not exceed 60 years old, and the female borrower's age plus the loan period does not exceed 55 years old.
3. Loan interest rate
The current interest rates of housing accumulation fund of commercial banks and individual housing loans are implemented for portfolio loans respectively, and fluctuate according to relevant policies. When the national interest rate is adjusted, the interest rate for the remaining term shall be adjusted according to the rules stipulated in the loan contract.
4. Repayment method
The borrower can choose to repay the loan principal and interest monthly by matching the principal and interest or average capital's decreasing method. Among them, the repayment method of housing provident fund and personal housing loan of commercial banks should be the same.
Portfolio loan processing flow
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.
Materials required for handling portfolio loans
The materials required for applying for portfolio loans are the same as those for housing provident fund loans. Except for four purchase contracts, three copies of other materials shall be provided. The specific requirements are subject to the announcement of Zhengzhou Housing Provident Fund website.