Everything is done according to the process, which is not only efficient, but also not easy to make mistakes. Loans belong to the financial category, and naturally the requirements for the process are more stringent, and portfolio loans should also be handled according to the process. Let me show you the process of Changsha portfolio loan? How long can Changsha portfolio loan be approved?
Everything is done according to the process, which is not only efficient, but also not easy to make mistakes. Loans belong to the financial category, and naturally the requirements for the process are more stringent, and portfolio loans should also be handled according to the process. Let me show you the process of Changsha portfolio loan? How long can Changsha portfolio loan be approved?
1. What is the processing flow of Changsha portfolio loan?
1. The borrower applies for housing provident fund loans to the real estate credit department of CCB in all districts and counties with a 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 a marriage certificate or other proof of the relationship between husband and wife) and fill out the Application Form for Personal Housing Provident Fund Loans (Combined Loans).
2. According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term. After examining the borrower's application, the loan bank signs a loan contract and a mortgage contract (or a pledge contract without housing guarantee) with the bank.
3. After the loan contract is signed, there are two ways to guarantee the housing provident fund loan (portfolio loan) to the relevant departments. The borrower can choose any one of them according to his actual situation. The borrower can pledge its own, * * own or third-party property, bank time deposit certificates and other securities recognized by the lending bank, and the borrower will take these securities to the lending bank for safekeeping.
2. How long does it take to approve the Changsha portfolio loan?
1. It usually takes 7- 10 working days to submit spare parts and funds to the buyer and seller for approval. Lending time: the process of group loan is to issue the certificate first and then lend money. Generally speaking, it takes 45 working days for approval, but at present, banks are short of money and take longer.
2. Generally, after all the formalities are completed, the handover will be completed to see if you have any special requirements, but you need to communicate with the seller. On the day of transfer, the buyer and the seller go to the bank to sign a commercial loan contract, and then the buyer and the seller go to the exchange to handle the transfer procedures.
3. After signing the commercial loan contract, the original passbook of the buyer and the seller must be left in the host bank. After the new title certificate is issued, a copy will be sent to the appraisal office. After the appraisal report comes out, the amount, duration and qualification of the provident fund loan of the buyer's customers will be preliminarily reviewed, and the combined loan contact form and appraisal report will be sent to the commercial loan bank. After the approval of the bank, it will take 5- 10 working days.
4. After the signing of the provident fund loan contract 13 working days, part of the provident fund loan will be released, and part of the commercial loan will be released within 3-5 working days after the completion of the public loan.
The above is the information about the processing flow of Changsha portfolio loan. How long does it take for Changsha portfolio loan to be approved? The approval time of portfolio loan will be slightly longer than that of simple provident fund loan or commercial loan, but you don't have to worry. Just submit all the materials and collect credit information from the bank, and it will pass the approval smoothly.
Can Changsha apply for a portfolio loan after buying a house for more than 2 years?
What conditions must a borrower have to apply for a portfolio loan?
(a) in the housing provident fund management center has been paid in full and on time for more than 6 months and continue to pay normally;
(two) the purchase of real estate is limited to the housing with the nature of state-owned land within the administrative area of this Municipality;
(3) There is a legal and valid purchase contract or property right certificate (existing house or second-hand house), and the purchase contract must be filed and registered by the real estate transaction department, and the time for applying for a loan shall not exceed one year from the date of signing the purchase contract;
(4) The development enterprise of the real estate purchased by the applicant has signed a real estate cooperation agreement with the guarantee company;
(5) I and my spouse have no outstanding personal housing provident fund loans;
(6) Other conditions stipulated by the management center or commercial bank.
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1. What is a portfolio loan?
A: Portfolio loans are actually portfolio loans of "provident fund loans and commercial loans". When employees who meet the conditions of Changsha housing provident fund loan purchase self-occupied ordinary housing, the insufficient part of the provident fund loan is supplemented by commercial loans.
According to "Changsha Housing Provident Fund Personal Housing Portfolio Loan Management Measures", the loanable amount of portfolio loan consists of the housing provident fund center and the loanable amount of commercial banks, in which the loan amount of housing provident fund is determined by Changsha Housing Provident Fund Management Center and the personal housing loan amount of commercial banks is determined by commercial banks. The term of the portfolio loan is voluntary, with the shortest term of 1 year (inclusive) and the longest term of 30 years, which shall not exceed the period from the date when the borrower handles the loan to the statutory retirement age of the country.
2. Which banks are eligible for Changsha provident fund portfolio loan?
Answer: Those who meet the conditions of Changsha provident fund loan and purchase real estate and cooperate with the following commercial banks that support the municipal provident fund portfolio loan can apply for portfolio loan: ① Furong Middle Road Sub-branch of China Construction Bank; ② HSBC Sub-branch, Jincheng Sub-branch and Hualong Sub-branch of Changsha Bank; ③ Beida Bridge Branch and Wangchengpo Branch of Bank of Communications; ④ Zhongshan Road Sub-branch of China Industrial and Commercial Bank.
Which banks in Changsha can combine loans now?
The provident fund center cooperates with commercial banks that undertake housing provident fund loan finance business to carry out housing provident fund individual housing portfolio loan business. Changsha can handle portfolio loans. At present, four commercial banks, namely Changsha Bank, Bank of Communications, China Construction Bank and Industrial and Commercial Bank of China, have reached cooperation in portfolio loan business with our center, but other commercial banks have not yet reached cooperation. As long as the property can handle provident fund loans normally, it can handle portfolio loans without being restricted by branches. If the personal loan amount of the borrower's housing provident fund is insufficient, eligible borrowers can apply for portfolio loans. If the developer refuses or obstructs the employee to choose the combination loan method to buy a house without justifiable reasons, the employee can keep relevant evidence and call the housing provident fund service hotline 12329 in time to provide detailed information and clues, and the provident fund center will handle it according to the procedures.
Can I withdraw the balance of provident fund after portfolio loan? What materials do you need to withdraw the provident fund?
Can I withdraw the balance of provident fund after portfolio loan?
After the loan is consolidated, the balance in the provident fund account can be withdrawn, but not in full.
If the provident fund is withdrawn to repay the principal and interest of commercial loans, taking Changsha as an example, the following conditions need to be met:
1. After two months from the normal loan repayment1,you can apply to withdraw the repayment amount of the previous 12 months.
2. The loan term can be withdrawn once a year, but the interval between each time should be greater than 12 months.
3. If the loan repayment period exceeds 2 years, the withdrawal amount shall not exceed the repayment amount in the last 24 months.
4. If the loan is settled normally or in advance, a settlement certificate shall be provided, and the loan can be withdrawn within 12 months from the date of settlement. The withdrawal amount is the total loan principal and interest repaid from the settlement date to the last withdrawal time (no more than 24 months).
Information required for Changsha to repay the principal and interest of commercial loans and withdraw the housing accumulation fund (original is required if not specified):
① Extract the applicant's ID card;
(2) Proof of marital status: married employees provide marriage certificates and spouse ID cards, divorced employees provide divorce certificates and divorce agreements or judgments sealed by relevant departments, and the above two types of marital status and unmarried employees need to fill in the housing provident fund business commitment letter and power of attorney;
③ Withdraw any valid debit card from CCB, BOCOM, Changsha Bank, ICBC and ABC;
④ Purchase contract (second-hand house is deed tax payment certificate);
⑤ Loan contract;
⑥ Provide all repayment details since the first loan repayment (no more than 24 months), and provide repayment details for nearly 6 months for the second time (repayment details must be stamped with the bank seal);
⑦ If you buy a house in a different place, you should provide proof of all the property rights information (including the registration information of the house) of both husband and wife in the past three months issued by the property rights management department of the place where you buy the house.
What is the process of Changsha provident fund portfolio loan? How to operate Changsha provident fund portfolio loan
Provident fund portfolio loan is a combination of provident fund loan and commercial loan. If the purchase amount is not enough, buyers can apply for portfolio loans to make up for it. Then how do you apply for a provident fund portfolio loan? Let me take Changsha as an example to talk about the process of provident fund portfolio loan.
Changsha provident fund portfolio loan process
The loan applicant provides information to the provident fund center-receives and inputs it at the front desk of the management department of the provident fund center-approves the loan (housing provident fund loans are approved by the provident fund management center, and personal housing loans of commercial banks are approved by commercial banks)-signs a loan and mortgage guarantee contract (the provident fund center informs the borrower according to the final approval results of both parties)-goes through the mortgage and guarantee procedures-and the provident fund center and commercial banks lend money.
If the borrower purchases an auction house and applies for a portfolio loan, the management center will transfer the provident fund loan to the commercial bank after obtaining the advance mortgage registration certificate, and the commercial bank will uniformly issue the portfolio loan to the seller. If the borrower purchases an existing house or a second-hand house to apply for a portfolio loan, the management center and the commercial bank will lend money separately after obtaining the certificate of immovable property right and the certificate of mortgage registration or the certificate of acceptance of immovable property registration.
The premise of applying for portfolio loan is that the borrower must meet the conditions of both provident fund loan and commercial loan. In addition, portfolio loans involve many institutions, the application process is complex and it takes a relatively long time.
This is the end of the introduction of Changsha provident fund portfolio loan and the down payment ratio of Changsha provident fund portfolio loan. I wonder if you found the information you need from it?