1. The provident fund loan part is implemented according to the benchmark interest rate stipulated by the central bank, and among the benchmark interest rates announced by the central bank, the annual interest rate of the provident fund loan for more than five years is 3.25% (the loan interest rate for the second house is 1.1 times the benchmark interest rate).
2. For the commercial loan, the LPR (loan market quotation rate) of the corresponding term is the pricing benchmark. As for the quotation of LPR, it is 4.65% for more than 5 years. The number of base points to be added mainly depends on the regulations of the undertaking bank.
according to the local policies and market conditions, the base points stipulated by different places and banks may be different.
Procedures for portfolio loan
Step 1: Apply for a loan at the loan bank
The borrower applies for a housing provident fund loan with the copy of the house purchase contract and the developer's house sales permit, ID card, housing provident fund savings magnetic card and seal at the real estate credit department of CCB in all districts and counties (if the husband and wife use the housing provident fund loan, they must also bring a marriage certificate or other proof of the relationship between husband and wife), and fill out the "Application Form for Individual Housing Provident Fund Loan (Portfolio Loan)".
Step 2: Bank Audit
According to the information provided by the borrower, the loan bank assesses whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term.
Step 3: Sign a loan contract with the loan bank
After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (a pledge contract is signed without house guarantee).
Step 4: Go to the property right department to handle the loan guarantee procedures
There are two ways to handle the housing provident fund loan (portfolio loan), and the borrower can choose either one according to his actual situation.
Step 5: Go through the formalities of housing mortgage insurance
After the borrower goes through the mortgage or pledge formalities at the property right department, he/she 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.
Step 6: Sign the repayment agreement and transfer money
If the repayment is made by withholding the savings card, the borrower will go to the savings branch of CCB to apply for the repayment withholding savings card and sign the withholding agreement with the loan bank. Where the entrusting unit withholds repayment, the unit shall sign an agreement with the loan bank.
Step 7: Bank Transfer
The borrower will go to the loan bank to collect the money at the time agreed with the loan bank, and the loan bank will transfer the money to the house selling unit; The borrower shall withdraw the loan for repairing and building according to the loan contract.