1. The home buyer applies for a loan, and then takes a copy of his or her house sales contract, real estate certificate, ID card, and housing provident fund card to the bank to apply for a housing provident fund loan.

2. Review: The loan will review and approve the borrower's loan conditions, loan amount and loan term.

3. Go to the lending bank to sign a loan contract.

4. The property rights department handles loan guarantee procedures: There are two guarantee methods for handling combined loans. One is that the borrower can use his own, private or third-party properties as mortgage; the second is to use Treasury bonds, bank time deposit certificates and other securities recognized by the lending bank are pledged, and the securities held by the borrower are handed over to the lending bank for safekeeping.

5. The bank handles housing mortgage insurance procedures: The borrower submits the loan contract, mortgage contract (pledge contract), other housing title certificates, mortgage certificates and other loan materials to the lending bank for house insurance procedures.

6. Sign a repayment agreement.

7. Bank transfer.

What should you pay attention to when applying for a portfolio loan?

1. Application conditions: Different loan methods must have different application conditions, and different loan banks have different requirements, so apply Before applying for a combination loan, you must first understand clearly what the requirements of the lending bank are. First, applying for a combination loan must be an employee who has paid the housing provident fund in full and on time, because the combination loan involves a part of the provident fund loan. Secondly, the home buyer must have a stable economic income. In addition, good credit and the ability to repay the principal and interest of the loan are basic requirements.

2. Understand the loan process: Combination loan involves two types of loans, so the application process is a bit more complicated. This is something that home buyers need to pay attention to. Usually, when applying for a combination loan, you need to contact the local housing fund management Make a written application and submit relevant information. Other parts of commercial loans involve banks. This part is relatively easy to deal with, as long as you pay attention to the provident fund loan.

3. Prioritize repayment of commercial loans: Among combination loans, the interest rates of provident fund loans are lower, while the interest rates of commercial loans are higher. Therefore, if the home buyer wants to repay in advance, during the repayment period Commercial loans should be repaid before repaying the loan. Because the commercial loan portion of the portfolio loan has a higher interest rate than the provident fund loan, the borrower can save a lot of mortgage interest if the commercial loan is paid off first.