Portfolio loan refers to a personal housing loan that is formed by the insufficient part of the provident fund loan made up by the commercial personal housing loan of the bank when the employees normally pay for the purchase of self-occupied ordinary housing. The borrower's loan consists of two parts: provident fund loan and commercial loan.

First, the loan object

Employees with full capacity for civil conduct who have paid the housing provident fund in full and continuously for more than 6 months (inclusive) may apply for portfolio loans.

Second, the application conditions

(1) Holding valid identity documents;

(2) Having a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

(3) The borrowers of provident fund loans and commercial loans should be the same person, and there is no outstanding principal and interest of housing provident fund loans when applying for portfolio loans;

(four) there is a purchase contract or agreement in accordance with the law;

(5) Having paid a down payment of not less than the prescribed proportion;

(six) other conditions stipulated by laws, regulations and rules;

Third, the required information.

1. Resident identity cards of the borrower and his spouse;

2. Proof of the marital status of the borrower;

3 proof of income of the borrower and his spouse;

4. Personal credit report of the borrower and his spouse;

5. Proof of down payment for house purchase;

6. Housing sales contracts or agreements that meet the legal requirements;

7. Other materials required for handling off-site loans.

Fourth, the handling process

(1) loan application

The borrower applies for a portfolio loan to the provident fund center or the entrusted bank, and the provident fund center will review the borrower's housing provident fund loan qualification.

(2) Pre-lending survey

The entrusted bank shall investigate the borrower's loan purpose, loan information, collateral status and repayment ability. For those who do not meet the loan conditions, the information shall be returned to the borrower in time.

(3) Interview and interview

For those who meet the conditions of portfolio loan, the entrusted bank manager shall instruct the borrower to fill in the relevant materials of portfolio loan and sign the Loan Contract for Individual Housing (Portfolio Loan) and the Mortgage Contract.

(4) loan approval

After the portfolio loan information is complete, the loan shall be approved according to the respective approval procedures of provident fund loans and commercial loans.

(5) Mortgage registration

After the portfolio loan is approved, the mortgagee shall go through the mortgage registration formalities with the relevant materials at the real estate transaction management department.

(6) Loan issuance

The mortgagee issued a notice of closure. After receiving the portfolio loan information, the entrusted bank submits an application for provident fund loan to the provident fund center, which allocates the provident fund loan funds to the entrusted bank, and the entrusted bank simultaneously distributes the portfolio loan funds (commercial loan funds of provident fund loan funds) according to the time, amount and account agreed in the loan contract.

Ii. Xi 'an portfolio loan prepayment policy

Just apply to the loan bank for prepayment.

If the provident fund must be repaid first, then the commercial loan can only be repaid after all the provident fund loans are paid off. However, if property buyers use their own funds in advance, rather than the balance of provident fund, then they can choose to repay commercial loans with higher interest rates first. You can consult the loan bank or provident fund center to inquire about the repayment of portfolio loans.

Sign a repayment agreement and wait for bank transfer: the provident fund center will transfer the provident fund portfolio loan funds to the entrusted bank and wait for the bank to allocate commercial loan funds.

The use requirements of portfolio loans are the same.

If the housing provident fund has been paid in full and continuously for more than 0/2 months (inclusive), the loan bank that can accept the combined provident fund and the mortgage bank for commercial loans are the same bank; The borrower of provident fund loan and commercial loan should be the same person. When applying for a portfolio loan, you don't need to have a stable job, and your salary needs to reach monthly payment.

Three. Xi provident fund loan policy 202 1

Xi 'an provident fund loan policy 202 1 is as follows:

1, loan conditions and loan amount of provident fund, Xi 'an provident fund needs to last 12 months;

2, the first use of housing provident fund loans to buy self-occupied housing workers' families;

3. When the provident fund applied for Xi housing provident fund loan, the deposit account of individual housing provident fund has been continuously over 12 months (since the previous loan application 12 months), and the deposit account is in a normal state.

Legal basis:

Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund:

(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;

(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;

(three) to determine the maximum loan amount of housing provident fund;

(four) approval of housing provident fund collection and use plan;

(five) to consider the housing provident fund value-added income distribution plan;

(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.

Fourth, Xi 'an can apply for a portfolio loan and decide to buy a house, which depends on the process of buying a house.

Xi 'an can apply for portfolio loans, that is to say, the part that exceeds the amount of provident fund loans can choose commercial and provident fund portfolio loans. So if you are going to make a portfolio loan, why not look at the process of buying a house first? Let's take a look at Xi 'an's portfolio loan regulations.

1. What are the procedures for buying a house?

1, with clear objectives

First of all, we must be clear about the purpose of buying a house. If we buy a house to help ourselves, we should consider the supporting problems around the house. If you want to invest, it depends on whether the house has appreciation potential in the future. Generally speaking, houses with good real estate and lots will have greater appreciation potential.

2. Buy a new house or a second-hand house?

If it is a wedding room, most young people will prefer a new house. New houses are generally well designed, the age and quality of community personnel match, and the appreciation potential is great. However, in general, the new house with a good location is too expensive and the price is appropriate. Second-hand houses generally have good lots and mature facilities, but the property rights will be less and the quality of personnel will be quite different. I want to buy an improved house in the future. It is easy to rent, but there is a depreciation problem. So choose a new house or a second-hand house according to your own needs.

3. before buying a house, you should prepare funds to see the house.

No matter what you like, buying a house ultimately reflects whether you can afford it, so the amount of money you buy is the decisive factor to measure what house you finally buy. Before buying a house, you should calculate the down payment and the monthly payment you can afford. You should choose a house suitable for your present life according to your own economic ability.

Step 4 choose real estate

Under normal circumstances, if buyers choose faster, they will choose big brand developers and projects developed in stages. Some large projects will be well matched in the overall planning, and the general position of this market will be slightly biased. Most powerful developers have reported to the local provident fund management center that they can apply for provident fund loans normally. The properties that can apply for provident fund loans have been reviewed in terms of qualifications, and there will be no incomplete five certificates. However, some properties do not choose provident fund loans because they are too troublesome, and some may not apply for provident fund loans because of incomplete qualifications.

5. Property rights.

Houses with 70-year property rights are residential property rights, and such houses can apply for provident fund loans normally according to regulations. The remaining 50-and 40-year-old houses cannot apply for provident fund loans, and it is easy to have problems when they settle down.

6. Residential areas

The area of the house is determined according to the purchase price, and the supporting factors cannot be given up simply for a large area.

Tips: When defining the housing area, taxes and fees are also an important reference standard. According to the national regulations,1%of the total house price should be paid for the first purchase with an area of less than 90 square meters; The first purchase area is 90- 144 square meters, and 0.5% of the total house price is required to be paid. Non-first-time house purchase or first-time house purchase exceeding 144 square meters shall be paid at 3% of the total house price.

7. Choose the right floor

There is a saying that the 9- 1 1 floor is a lime floor, so try to avoid these floors when choosing floors. We should also pay attention to the noise problem in the community. It doesn't mean that the higher the floor, the less noise. It depends on whether there is a noise source around.

8. Choose the apartment type

The apartment with square pattern, transparent north and south, bright kitchen and clear movement is a good apartment in the usual sense. Irregular huxing, poor lighting and ventilation, and mixed dynamic and static functional areas are the common poor huxing.

9. Sign a contract

Property buyers often sign a purchase agreement before signing a purchase contract. At this time, they have to pay a deposit, which requires certain objective conditions. If they can't get the deposit back in order to avoid subjective check-out, write the deposit as a deposit. Because there are no conditions for unsubscribing. When signing a house purchase contract, the developer's verbal commitment should be written into the contract, and related property services and check-out matters should also be agreed in the supplementary agreement.

10, house inspection

Buyers should pay attention to the previous housing and then close the house. House inspection is a professional and technical activity. In order to avoid housing quality problems in the future, you can ask professionals for help.

2.2065438+061October 29th, you can apply for a portfolio loan bank.

At present, CCB and BOC of Xi have obtained the acceptance qualification of individual housing portfolio loan business of Xi Housing Provident Fund Management Center. If the amount of provident fund is not enough, buyers can consult the bank to handle the combined loan business of provident fund and commercial loans.

3. What is a portfolio loan? What are the application conditions?

Personal housing portfolio loan refers to a personal housing loan mode in which customers who normally pay housing provident fund and meet the conditions for personal housing provident fund loans purchase ordinary housing, and the insufficient part of the provident fund loan is supplemented by commercial personal housing loans from banks, that is, the borrower's loan consists of provident fund loans and commercial loans.

Personal housing portfolio loan combines the characteristics of low interest rate of provident fund loan and no maximum amount of commercial loan, which not only reduces the cost of buying a house, but also meets the quota demand of buyers. The maximum approval amount of Xi 'an provident fund loan is 750,000 yuan, and the excess can be applied for commercial loan with interest paid separately. Anyone who has paid the housing provident fund in full for more than 6 months (inclusive) can apply for portfolio loans, and the interest rates of provident fund loans and commercial loans are implemented in accordance with the relevant regulations of the provident fund center and commercial banks respectively.

Fourth, why choose portfolio loans?

In recent years, improved demand has become an active group in the army of buying houses. Since it is an improved housing, the purchase area must be three rooms, four rooms or more, and the total house payment may exceed the upper limit of the provident fund. If you choose commercial loans directly, the repayment pressure will be greater than the provident fund because of the high interest rate of commercial loans. Therefore, most buyers with provident fund will choose provident fund loans or portfolio loans.

At present, there are not many banks that Xi 'an can apply for portfolio loans. However, in the context of the government's active destocking, the property market policy will be further relaxed. For buyers who want to buy a house, these favorable policies can benefit more groups when the house price remains unchanged.

(The above answers were published on 20 16-02-0 1. Please refer to the actual situation for the current purchase policy. )

Click to receive the red envelope for viewing the house, and directly receive 100 yuan in cash.