1, apply. The portfolio lender applying for house purchase shall submit a written application to the local housing provident fund management department and submit relevant materials;

2. Sign the contract. After obtaining the amount of individual housing loan from the housing provident fund, the portfolio lender who applies for the house purchase applies for the portfolio loan from the loan enterprise bank with the Notice of Entrustment of Individual Housing Loan from the provident fund management department. After the application is approved, it is necessary to sign a loan contract and a guarantee contract with the loan enterprise bank and notarize it;

3. Apply for mortgage insurance. After signing the contract, go through the necessary formalities such as mortgage registration insurance at the loan bank, pay the mortgage registration and insurance fees, and hand over the original insurance policy to the loan bank for safekeeping;

4. Open an account. Customers who choose to entrust deduction for repayment open a special savings passbook account for repayment at the loan bank. At the same time, the seller shall open a special deposit account in the loan enterprise bank.

5. expenditure. Lenders who apply for housing portfolio fill in the deposit certificate of housing portfolio loan at the bank accounting front desk, and then the loan enterprise bank directly transfers the loan to the borrower's deposit account according to the contract.

What is a portfolio loan?

The so-called portfolio loan means that borrowers who meet the conditions of personal housing commercial loans can deposit housing provident fund at the same time, and they can apply for personal housing provident fund loans at the same time when handling personal housing commercial loans, that is, borrowers can purchase 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.

That is, provident fund loans and commercial loans are used at the same time. Generally, it is only used when personal loans exceed the maximum amount of provident fund loans stipulated by the local government. For example, buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum amount of provident fund loans is 400,000 yuan.

In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.

Application conditions of portfolio loan

1, with legal status;

2. Employees who pay the housing provident fund in full and on time;

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

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

5, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the first payment of the purchased (overhaul) housing;

6. Mortgaging or pledging 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 local provident fund management department;

8. Other conditions stipulated by the lending bank.

What is the application process of portfolio loan? Basic craft encyclopedia!

Portfolio loan is a popular loan method now, which can not only solve the problem of insufficient loan amount of provident fund, but also enjoy low loan interest rate. So what is the application process of portfolio loan? How to borrow money? Let's introduce it today.

1. Apply for a loan at the loan bank.

Property buyers apply for housing provident fund loans to district and county real estate credit departments with a copy of the purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (marriage certificate or other proof of husband and wife's relationship is required if both parties use housing provident fund loans), and fill in the Application Form for Individual Housing Provident Fund Loans (Combined Loans).

2. Bank audit

According to the information provided by the purchaser, the loan bank evaluates whether the purchaser meets the loan conditions, calculates the loan amount and determines the loan term.

3. Sign a loan contract with the loan bank.

After the loan bank examines the application of the property buyer, the borrower signs a loan contract and a mortgage contract with the bank (the mortgage contract is signed without housing guarantee).

4, to the property department for loan guarantee procedures.

There are two ways to guarantee housing provident fund loans (portfolio loans) (A owns, * * owns or mortgages the property of a third party, B government bonds, bank certificates of deposit and other securities recognized by the lending bank). Buyers can choose any one according to their actual situation.

5, housing mortgage insurance procedures.

After the property buyers handle the mortgage or pledge formalities in the property right department, they will submit the loan materials 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.

If repayment is made by withholding savings card, the buyer should apply for withholding savings card at the 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 remittance

Property buyers go to the loan bank for payment procedures according to the time agreed by the loan bank, and the loan bank transfers the money to the selling unit; The borrower shall withdraw the repair and construction loan as agreed in the loan contract.

How is the portfolio loan handled?

To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank. After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

What conditions do you need to apply for a portfolio loan to buy a house? How to deal with it?

At present, there are three common mortgage methods: provident fund loan, commercial loan and portfolio loan. The low interest rate of provident fund loans is the first consideration for buyers. However, due to the complicated procedures of provident fund loans, limited amount and relatively high interest on commercial loans, most people will choose portfolio loans.

So what principles should be followed in choosing portfolio loans? What are the requirements? What should I do? Look down there.

First of all, the choice of portfolio loans should follow two principles.

1, the principle of optimal combination of portfolio loans. If buyers choose portfolio loans, they should make as many provident fund loans as possible and as few commercial loans as possible. Because the interest rate of provident fund loans is far more favorable than that of commercial loans, it can save more interest;

2. The down payment principle is loose. The down payment can't use up the cash on hand, so as not to affect the payment of the house payment because the loan can't be approved, but it also needs to be combined with the individual's affordability.

Two. Requirements for applying for portfolio loans

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, 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. According to different regions, there may be different regulations. Please consult relevant local 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 local provident fund management department.

8. Other conditions stipulated by the lending bank for portfolio loans.

Third, the specific process of handling portfolio loans.

1. The borrower applies to the housing fund management center for provident fund loans and provides loan materials, and submits them to the housing fund management center for approval.

2, with the housing provident fund management center approved the loan amount, duration, interest rate and other information, to the loan bank to apply for supporting personal 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.

How to buy a house with a portfolio loan?

Buying a house with a portfolio loan needs to meet the conditions of housing provident fund and personal housing loan of commercial banks. After meeting the requirements, you can apply for a portfolio loan at the local housing authority.

Taking Zhengzhou Housing Provident Fund as an example, according to Article 3 of Instructions for Portfolio Loans of Housing Provident Fund, the application conditions of portfolio loans. To apply for portfolio loans, the following conditions shall be met at the same time:

1. The purchased property is a newly-built compliant commercial residence in Zhengzhou (excluding second-hand commercial residence), and the real estate project is a personal housing loan access project of the entrusted bank, which has been filed in the management center;

2, in line with the housing provident fund and commercial bank personal housing loan conditions;

3. I and my spouse have no outstanding personal housing loans or other large debts;

4. Agree to guarantee according to the guarantee method recognized by the management center and the entrusted bank;

5. Other conditions required by the management center and the entrusted bank.

Extended data:

"Notes on Housing Provident Fund Portfolio Loan" Article 5 Portfolio Loan Handling Process

1. The borrower applies to the management center and the entrusted bank successively with the application materials.

2. The borrower shall go through the loan formalities at the entrusted bank and the management center respectively with relevant information.

3. The borrower shall go through the formalities of loan guarantee and house mortgage at the guarantee company with relevant materials.

4. The borrower starts to repay the principal and interest of the portfolio loan in the second month of the loan date, and receives the mortgage contract, loan contract and other texts according to the notice of the guarantee company.