2. Determine the loan amount: If buyers want to apply for portfolio loans, they need to determine the amount of some provident fund loans first, and then choose commercial loans for the rest. This must be determined in advance, because once the loan amount of portfolio loans is determined, it is difficult to modify it. It is even more difficult to change the loan amount of provident fund. Loan applicants and spouses need to go to the provident fund management center to inquire about the maximum loan amount and determine the final loan amount according to their own situation.
3. Pay attention to the repayment method: When applying for a portfolio loan, the borrower needs to know the repayment method first, and then choose the repayment method that suits him. If you don't know which repayment method should be implemented for portfolio loans, buyers can consult the bank's regulations. When signing a loan contract with a bank, you must first understand these repayment methods and determine the repayment method that suits you, because once the repayment method is agreed in the contract, it is generally not allowed to change during the whole loan period.
Portfolio loan processing flow
1. The borrower applies for a loan.
The borrower needs to apply for housing provident fund loan at the bank with his second-hand housing sales contract and copy of real estate license, ID card and housing provident fund card (if the husband and wife use provident fund loan, they must also bring marriage certificate or other proof of marriage relationship), and fill out the Application Form for Personal Housing Provident Fund Loan (Combined Loan).
Step 2 review
Loan approval borrower's loan conditions, loan amount and loan term.
3. Sign a loan contract with the loan bank.
4, the property department for loan guarantee procedures.
There are two ways to guarantee portfolio loans:
(1) The borrower can mortgage its own, * * own or third-party property.
Property buyers who want to apply for real estate mortgage need to hold the borrower's ID card, the original prepayment receipt, seal, loan contract and mortgage contract, fill in the Registration Form for Application for Other Rights of Housing and affix the seals of the borrower (mortgagor) and the loan bank (mortgagee), and then go to the real estate management department where the house is located to apply for the certificate of other rights of housing.
(2) Pledge the securities recognized by the lending bank, such as national debt and bank time deposit certificate, and the borrower will pay the securities to the lending bank for safekeeping.
5, the bank for housing mortgage insurance procedures.
The borrower shall submit the loan contract, mortgage contract (pledge contract), house ownership certificate, mortgage certificate and other loan materials to the loan bank, and go through the formalities in home insurance.
6. Sign a repayment agreement.
7. Bank transfer.
Jiabao ruijing garden
Sales reference price: the reference average price is 7300 yuan/m2.
Address: 200 meters west of the intersection of West 1st Ring Road and Wuzhen Street, Luzhou District.
Property telephone number: 400-8 18-0066 to 023026.