There are different types of loans to buy a house. Portfolio loan is a relatively affordable loan, and the interest rate is relatively low, so many people choose to use portfolio loan. So what is the application process of Chengdu portfolio loan? What are the application conditions?
There are different types of loans to buy a house. Portfolio loan is a relatively affordable loan, and the interest rate is relatively low, so many people choose to use portfolio loan. So what is the application process of Chengdu portfolio loan? What are the application conditions?
1. What is the application process of Chengdu portfolio loan?
1. At present, the borrower applies for provident fund loans to the housing provident fund management and provides loan information, and submits them to the housing provident fund management for approval.
2. With the loan amount, term, interest rate and other information approved by the Housing Provident Fund Management Department, apply to the loan bank for supporting individual housing loans.
3. After accepting the loan, the loan bank evaluates the borrower's credit standing, occupation, income and repayment ability according to the information provided by the borrower, evaluates whether the borrower meets the loan conditions, calculates the loan amount, determines the loan term, and gives the borrower a reply within 10 working days.
4, after the approval of the loan bank, signed a housing provident fund entrusted loan contract, individual housing loan contract and mortgage loan contract with the borrower.
5. When the borrower goes to the property right department to handle the loan guarantee formalities, there will be two guarantee methods to choose from, and the borrower can choose either one according to his actual situation.
6. After the borrower completes the mortgage or pledge formalities in the property right department, he shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for home insurance formalities.
7. The borrower signs a transfer and deduction agreement with the bank.
8. The lending bank will transfer the portfolio loan to the bank account established by the borrower according to the transfer agreement.
2. What are the application conditions for Chengdu portfolio loan?
1. The borrower has legal status, that is to say, it must have legal and valid identification materials.
2. The borrower is a natural person who has paid the housing provident fund in full and on time.
3, to have a stable economic income, good credit, the ability to repay the loan principal and interest.
4. There are legal and effective purchase (construction, overhaul) contracts and agreements and other supporting documents required by the loan bank.
5. Ensure that the self-raised funds above 30% of the total price of the purchased house are used to pay the down payment of the purchased house. There may be different regulations according to different regions, and you can consult relevant departments for details.
6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.
7. Meet the loan conditions stipulated by the provident fund management department.
8. Other conditions stipulated by the lending bank.
Where should I go to understand the detailed process of Chengdu housing mortgage loan?
I. Channels of Housing Mortgage Loan Most commercial banks have housing mortgage loan business, and they can apply for housing mortgage loans as long as they meet certain conditions. The loan company commercial bank is the first choice for housing mortgage loan, but not everyone can handle it successfully. If the borrower has poor credit information or insufficient repayment ability, he may need to apply for housing mortgage loan in the loan company, but it is best to apply for housing mortgage loan business in commercial banks. Pawnshops generally have mortgage business, and the conditions are looser than those of loan companies. Pawnshops have almost no requirements for borrowers' credit and work. As long as the housing provided by the borrower meets the requirements and the information is complete, it can be successfully handled.
Second, the housing mortgage loan process
1. Considering the interest, amount and term comprehensively, confirm which commercial bank you choose is more suitable.
2. After preparing the required information according to the requirements of the commercial bank, go to the commercial bank for face-to-face signing. At this time, it is necessary to ask in person what information is needed to handle the housing mortgage loan business, tell the truth, and take fewer detours.
3. Waiting for the approval of commercial banks.
4. After the approval of the commercial bank, if the house is in a red state, the process will be simpler, just bring relevant information for mortgage registration. But borrowers are generally in a state of mortgage, which involves another step, that is, redeeming the mortgaged house. Generally speaking, after the interview, you can contact the account manager of a commercial bank and apply for early repayment.
5. Take evidence.
After paying back the money for 3-5 days, the borrower can go to the original commercial bank to retrieve the original mortgaged real estate license, and then go to the real estate rights center to cancel the mortgage on the day or the next day of online appointment for evidence collection, which can save a lot of time.
6. borrow money.
After the mortgage is cancelled, the original commercial bank can get your certificate in about 3~5 days, and transfer your certificate to the commercial bank that handles the housing mortgage loan, and you can get the loan in about 3 days.
Chengdu Loan Company, a domestic first-class one-stop business service and enterprise comprehensive service group company, focuses on loan services. You can choose dozens of loan products such as credit loans, mortgage loans, wage loans, micro loans, mortgage loans and car loans. If you need to know more details about the loan, you can directly call the number at the top of our page, and we will have professionals to answer your questions.
How to borrow Chengdu housing provident fund loan?
To apply for a loan, the borrower must fill in a written application in a bank entrusted by Chengdu Provident Fund Center and submit the following materials:
(a) the applicant and spouse housing provident fund deposit certificate;
(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(four) the purchase of housing contracts, agreements and other valid documents;
(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
(6) Other materials required by Chengdu Provident Fund Center.
For the loan application with complete information, the entrusted bank shall accept the examination in time and submit it to Chengdu Provident Fund Center in time.
Chengdu Provident Fund Center is responsible for approving loans and informing the entrusted banks of the approval results in a timely manner.
The entrusted bank shall notify the applicant to handle the loan formalities according to the examination and approval results of Chengdu Provident Fund Center, and send the loan contract and other formalities to Chengdu Provident Fund Center for examination and approval. After the approval of Chengdu Provident Fund Center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
The loan funds shall be transferred to the special account for selling houses opened by the selling unit in the bank in the name of the borrower's purchase price; If it is a re-traded housing loan, the loan funds must be transferred to the special account opened by the housing transaction intermediary agency entrusted by Chengdu Provident Fund Center, and then paid to the seller according to relevant regulations.
I. Housing Provident Fund Individual housing loans are divided into individual housing pure provident fund loans and individual housing portfolio loans.
1. Personal housing pure provident fund loans are issued to employees who have paid housing provident fund to purchase housing consumption loans for self-occupied housing.
2. Personal housing portfolio loan refers to that when an individual applies for a housing provident fund loan that is insufficient to pay the purchase price, the insufficient part applies to the bank for a commercial housing loan, referred to as portfolio loan.
Second, the loan amount:
(a) individual housing pure provident fund loan amount must meet the following conditions.
1. The maximum amount of a single housing provident fund loan is 400,000 yuan;
2. The maximum loan ratio shall be subject to the agreement signed between Chengdu Housing Provident Fund Center and the developer;
The calculation formula of the maximum loanable amount is: the sum of the individual monthly contributions of the borrower and spouse to the provident fund ÷ the actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (the longest loanable period).
If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio.
3. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.
When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).
4. If the spouse of the loan applicant is the same as the borrower of the housing provident fund, he can participate in the calculation of the loan amount of the provident fund.
For loan applications that meet the above conditions, Chengdu Provident Fund Center will determine the final loan amount after comprehensive evaluation according to the credit status of the loan applicant and other factors.
(2) The loan amount of individual housing portfolio must meet the following conditions.
1. Not exceeding 70% of the total value of the purchased house;
2. The proportion of real estate expenditure to income shall not exceed 50% (including 50%);
Calculation formula: (monthly repayment amount of the loan, monthly property management fee)/monthly income.
The proportion of total debt expenditure to income shall not exceed 55% (including 55%).
Calculation formula: (monthly repayment of the loan, property management fee and other debts)/monthly income.
For individual housing portfolio loan applications that meet the above conditions, banks and provident fund centers will comprehensively evaluate the credit status of loan applicants and determine the final loan amount.