Try not to buy portfolio loans when buying a house. The interest rate of portfolio loans is particularly high, and the interest paid back will be a lot, which is not cost-effective.
Second, can I borrow money to buy a house now, because the provident fund can't borrow that much, and I just paid it back more than a year ago. Don't some developers support portfolio loans?
Now loans do not support portfolio loans, because loans are relatively troublesome.
Application method:
① Apply for portfolio loan, and the preliminary examination procedure is the same as provident fund loan;
(2) After passing the preliminary examination, the borrower shall fill in the commercial loan application form and go through the relevant formalities as required by the bank;
(3) The two loan review banks should allocate them to the account of the sales unit;
④ In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are relative.
Required information:
1. Loan Application Form
2. Identity cards and identities
3. Original and photocopy of household registration book (set)
4. Original and photocopy of the full house sales contract (2 copies)
5. Application for registration of ownership transfer (provided by the developer)
6 copies of advance payment receipt (2 copies)
7. Private seal (married people need one for both husband and wife)
8. Personal wage income certificate (the developer provides the form paper, and his own unit confirms the cover.
9. Contact Sheet of Portfolio Loan and Copy of Contact Sheet (1 copy)
10. Commercial loan contract
1 1. Sixth copy of maintenance fund receipt
Third, can I borrow money to buy a house now, because the provident fund can't lend that much, and I just paid one. ...
○ Second-hand housing provident fund loan object and conditions
Loan object and conditions:
In Wuhan Housing Provident Fund Management Center and its sub-centers, employees who have paid the housing provident fund in full for 6 months or more can apply for provident fund loans or portfolio loans when purchasing self-occupied housing.
It should be noted that when purchasing a second-hand housing provident fund loan, the age of the house (based on the built-up years) should be within 30 years, and the seller of the house has handled the complete house with the Property Ownership Certificate and the Land Use Right Certificate, and the property rights are clear and there is no legal provision. In addition, when buying second-hand houses and converting commercial loans into provident fund loans, the completion period of the purchased houses should be within 20 years. Regarding the term and interest rate of second-hand housing provident fund loans, the purchase guide channel has mentioned it many times. For details, please click on the term and interest rate of the second-hand housing provident fund loan.
○ The borrower handles the second-hand housing provident fund loan by himself:
Let's get into the theme of our course. Students, please note that there are two ways to apply for provident fund loans when buying second-hand houses: one is handled by the borrower himself; The other is to entrust an intermediary company to handle it. Let's first take a look at the process handled by the borrower:
Applicants should first consult the loan bank, obtain a "second-hand housing personal housing provident fund loan folder" from the staff responsible for provident fund loan projects, and conduct pre-trial registration in the bank. Next, the buyer and the seller prepare all the following materials:
① Second-hand housing personal housing provident fund loan folder ② Appraisal report of purchased house ③ Purchase contract of stock house signed by the buyer and the seller ④ Ownership Certificate of House and State-owned Land Use Right Certificate (original and photocopy) under the original seller's name ⑤ Seller's account opening passbook; ⑥ The ID card, household registration book and marriage certificate (original and photocopy) of the buyer and seller, and the single employee shall provide the certificate of marital status of the Civil Affairs Bureau. After the information is fully prepared, you can submit an application for provident fund loans to the bank.
Then the loan bank began to accept the information of the loan applicant, which was submitted to the provident fund center for approval. After approval, the borrower can sign loan contracts, mortgage contracts and other related loan documents with the loan bank.
Here, I would like to remind you that when issuing loans, banks will ask borrowers to provide proof of their repayment ability. The income certificate is generally the income certificate issued by the borrower's unit. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. After the conditions are met, the bank can also approve it. In addition, there are other assets of some families, such as large deposits, bonds, real estate and so on. This can also be used as proof of income, and banks will generally make reference.
○ Second-hand housing provident fund loan object and conditions
Loan object and conditions:
In Wuhan Housing Provident Fund Management Center and its sub-centers, employees who have paid the housing provident fund in full for 6 months or more can apply for provident fund loans or portfolio loans when purchasing self-occupied housing.
It should be noted that when purchasing a second-hand housing provident fund loan, the age of the house (based on the built-up years) should be within 30 years, and the seller of the house has handled the complete house with the Property Ownership Certificate and the Land Use Right Certificate, and the property rights are clear and there is no legal provision. In addition, when buying second-hand houses and converting commercial loans into provident fund loans, the completion period of the purchased houses should be within 20 years. Regarding the term and interest rate of second-hand housing provident fund loans, the purchase guide channel has mentioned it many times. For details, please click on the term and interest rate of the second-hand housing provident fund loan.
○ The borrower handles the second-hand housing provident fund loan by himself:
Let's get into the theme of our course. Students, please note that there are two ways to apply for provident fund loans when buying second-hand houses: one is handled by the borrower himself; The other is to entrust an intermediary company to handle it. Let's first take a look at the process handled by the borrower:
Applicants should first consult the loan bank, obtain a "second-hand housing personal housing provident fund loan folder" from the staff responsible for provident fund loan projects, and conduct pre-trial registration in the bank. Next, the buyer and the seller prepare all the following materials:
① Second-hand housing personal housing provident fund loan folder ② Appraisal report of purchased houses ③ Purchase contract of stock houses signed by buyers and sellers ④ Ownership Certificate of House and State-owned Land Use Right Certificate (original and photocopy) under the original seller's name ⑤ Seller's account opening passbook; ⑥ The ID card, household registration book and marriage certificate (original and photocopy) of the buyer and seller, and the single employee shall provide the certificate of marital status of the Civil Affairs Bureau. After the information is fully prepared, you can submit an application for provident fund loans to the bank.
Then the loan bank began to accept the information of the loan applicant, which was submitted to the provident fund center for approval. After approval, the borrower can sign loan contracts, mortgage contracts and other related loan documents with the loan bank.
Here, I would like to remind you that when issuing loans, banks will ask borrowers to provide proof of their repayment ability. The income certificate is generally the income certificate issued by the borrower's unit. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. After the conditions are met, the bank can also approve it. In addition, there are other assets of some families, such as large deposits, bonds, real estate and so on. This can also be used as proof of income, and banks will generally make reference.
○ Second-hand housing provident fund loan object and conditions
Loan object and conditions:
In Wuhan Housing Provident Fund Management Center and its sub-centers, employees who have paid the housing provident fund in full for 6 months or more can apply for provident fund loans or portfolio loans when purchasing self-occupied housing.
It should be noted that when purchasing a second-hand housing provident fund loan, the age of the house (based on the built-up years) should be within 30 years, and the seller of the house has handled the complete house with the Property Ownership Certificate and the Land Use Right Certificate, and the property rights are clear and there is no legal provision. In addition, when buying second-hand houses and converting commercial loans into provident fund loans, the completion period of the purchased houses should be within 20 years. Regarding the term and interest rate of second-hand housing provident fund loans, the purchase guide channel has mentioned it many times. For details, please click on the term and interest rate of the second-hand housing provident fund loan.
○ The borrower handles the second-hand housing provident fund loan by himself:
Let's get into the theme of our course. Students, please note that there are two ways to apply for provident fund loans when buying second-hand houses: one is handled by the borrower himself; The other is to entrust an intermediary company to handle it. Let's first take a look at the process handled by the borrower:
Applicants should first consult the loan bank, obtain a "second-hand housing personal housing provident fund loan folder" from the staff responsible for provident fund loan projects, and conduct pre-trial registration in the bank. Next, the buyer and the seller prepare all the following materials:
① Second-hand housing personal housing provident fund loan folder ② Appraisal report of purchased houses ③ Purchase contract of stock houses signed by buyers and sellers ④ Ownership Certificate of House and State-owned Land Use Right Certificate (original and photocopy) under the original seller's name ⑤ Seller's account opening passbook; ⑥ The ID card, household registration book and marriage certificate (original and photocopy) of the buyer and seller, and the single employee shall provide the certificate of marital status of the Civil Affairs Bureau. After the information is fully prepared, you can submit an application for provident fund loans to the bank.
Then the loan bank began to accept the information of the loan applicant, which was submitted to the provident fund center for approval. After approval, the borrower can sign loan contracts, mortgage contracts and other related loan documents with the loan bank.
Here, I would like to remind you that when issuing loans, banks will ask borrowers to provide proof of their repayment ability. The income certificate is generally the income certificate issued by the borrower's unit. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. After the conditions are met, the bank can also approve it. In addition, there are other assets of some families, such as large deposits, bonds, real estate and so on. This can also be used as proof of income, and banks will generally make reference.
4. Can I apply for a pure provident fund loan after the combined loan has paid off the provident fund?
Portfolio loans cannot be converted into provident fund loans. According to the policy of the provident fund management center, after handling the portfolio loan, the commercial part of the bank loan can no longer be converted into a provident fund loan. To handle "business-to-business" business, only loans are purely commercial loans can be handled. Portfolio loans cannot be converted into pure provident fund loans.