New houses can be combined with loans, but only if they meet the conditions of provident fund loans, and the purchased new houses have legal and effective purchase contracts or agreements, requiring borrowers to pay the provident fund normally. Those who apply for portfolio loans can apply directly to the local provident fund management center and loan banks.

Portfolio loan purchase process

1. Apply for a loan at the loan bank. Portfolio loan borrowers apply for housing provident fund loans to the real estate credit departments of all districts and counties with the copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use housing provident fund loans, they must also bring their marriage certificate or other proof of husband and wife relationship), and fill out the Application Form for Individual Housing Provident Fund Loans (Portfolio Loans).

2. Banks review loans. According to the information provided by the borrower of the portfolio loan, the loan bank evaluates whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term.

3. Sign a loan contract with the loan bank. Then, after the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee).

4, to the property department for loan guarantee procedures. There are two ways to guarantee the portfolio loan, and the borrower can choose either one according to his actual situation.

5. Go through the formalities of housing mortgage insurance. After completing the mortgage or pledge formalities in the property right department, the borrower of the portfolio loan 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.

6. Sign the repayment agreement and transfer money. Borrowers of portfolio loans who repay by withholding savings card shall apply for withholding savings card repayment at savings outlets and sign a withholding agreement with the loan bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank.

7. Bank transfer. The borrower of the portfolio loan goes to the loan bank to handle the collection formalities according to the time agreed with the loan bank, and the loan bank transfers the money to the house selling unit; The borrower shall withdraw the repair and construction loan as agreed in the loan contract.