Conditions for applying for provident fund portfolio loan

1, with legal status.

2, timely and full payment of employee housing provident fund.

3, a stable economic income, good credit, the ability to repay the loan principal and interest.

4. There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.

5, has purchased (overhaul) housing price of more than 20% of the self-raised funds, and ensure that it is used to pay the first payment of the purchased (overhaul) housing.

6. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.

Extended data:

Portfolio loan application process

1. The borrower shall fill in the loan application form in the housing fund management (sub-) center and provide relevant information.

2. The housing fund management (sub-) center conducts a preliminary examination of the borrower, including verifying the loan application form, verifying the loan amount and term, and determining the loan guarantee method.

3. The entrusted bank investigates the borrower, including: whether the purchase behavior is legal; Whether the collateral meets the requirements, income and ability to repay the principal and interest of the loan; If there is a guarantor, is the guarantor qualified?

4. After investigation by the entrusted bank, the entrusted bank will issue an investigation opinion and submit it to the housing fund management center (sub-center) for approval.

5. The investigation and provision of individual housing portfolio loans by the entrusted institution shall be approved by the competent department of the handling bank.

6, after approval, the housing fund management (sub) center issued a notice of entrusted loans.

7. Approved by the competent authority of the handling bank.

8. After receiving the notice, the entrusted bank signs a loan contract with the borrower, goes through the formalities of mortgage, pledge or guarantee, signs a power of attorney for entrusted transfer payment, and opens a special account for personal loan.

9. After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan funds, and then the entrusted bank will transfer the entrusted funds together with the personal loan funds of the bank into the developer's account.

10. The borrower shall repay the provident fund loan and personal bank loan on time in the prescribed manner.

1 1. The borrower pays off the loan principal and interest, cancels the mortgage guarantee and takes back the relevant documents.

Baidu encyclopedia-portfolio loan

Baidu Encyclopedia-Personal Housing Portfolio Loan