Personal housing portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan and pays the housing provident fund at the same time. He can apply for personal housing provident fund loans while handling personal housing commercial loans, that is, when the amount of commercial loans for property buyers is insufficient, he can also apply for housing provident fund loans. Personal housing portfolio loan generally refers to the combination of housing provident fund loan and housing commercial loan. If the loan amount of employee housing provident fund can't meet the demand and is lower than 80% of the house price, you can apply for personal housing commercial loans at the same time, and the total amount of the two loans does not exceed 80% of the house price, which is called portfolio loans. Portfolio loans include provident fund loans, and only employees who have paid provident fund can apply.

Personal housing portfolio loan refers to the specific loan portfolio formed by CCB when employees who have paid the housing provident fund in full and on time purchase and overhaul all kinds of houses, and at the same time issue provident fund personal housing loans and self-owned account housing loans.

Personal housing portfolio loan means that borrowers who meet the requirements of personal housing commercial loans can apply for personal housing provident fund loans while paying the housing provident fund. Borrowers can use the purchased urban self-occupied housing (or other guarantee methods recognized by banks) as collateral and apply for personal housing provident fund loans and personal housing commercial loans from banks at the same time. With the deepening of housing system reform, banks' understanding of individual housing loans is also improving. The combined personal housing guarantee loan, which consists of housing provident fund loan and commercial loan, has become the need to establish a good housing finance system and realize the development of housing finance in China with equal emphasis on policy and commerce.

Individual housing portfolio loan conditions

The application for individual housing portfolio loans must comply with the provisions of the housing provident fund management department on provident fund loans and the provisions of the Construction Bank on individual housing loans. The basic conditions should be:

(1) has legal status;

(two) workers who have paid the housing provident fund in full and on time;

(3) Having stable economic income, good credit and the ability to repay the principal and interest of loans;

(4) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

(5) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

(6) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

(7) Meet the loan conditions stipulated by the local provident fund management department;

(8) Other conditions stipulated by the lending bank.

Term of individual housing portfolio loan

In the long-term loan period stipulated by the People's Bank of China (currently 30 years), the provident fund management department and the loan bank shall determine the loan period respectively according to the actual situation of the borrower.

Personal housing portfolio loan interest rate

The commercial individual housing loan in the loan is implemented at the interest rate of individual housing loan. The part of the provident fund loan is implemented according to the interest rate of individual housing provident fund loan.