If there is a second-hand housing portfolio loan in Xi 'an, the provident fund and commercial loans can be distributed in proportion, and you can apply for loans as long as you pay the provident fund for more than one year.
What is the process of buying a second-hand house with a portfolio loan? What is the knowledge about portfolio loans?
What is the process of buying a second-hand house with a portfolio loan?
1, the borrower goes to the housing fund management (sub-) center to fill out the Loan Application Form and provide background information;
2. The housing fund management (sub-) center conducts a preliminary examination of the borrower, including verifying the loan application form, approving the loan amount and term, and defining the guarantee method;
3. The amount of provident fund mortgage is not enough;
4. Entrust the bank to investigate the borrower. The basic contents are: whether the individual purchase behavior is legal; Whether the collateral meets the requirements; Income, whether it has the ability to repay the loan principal; There is a guarantor, whether the guarantor has the qualification of guarantee, etc.
5.( 1) If the entrusted financial institution meets the investigation standards, the entrusted bank shall issue a letter of intent for investigation and submit it to the housing fund management (sub-center) for review.
(2) entrust social security agencies to investigate and issue housing portfolio loans, which shall be audited by the competent department of the agency;
6.( 1) passed the examination, and the housing provident fund management (sub-) center examined and signed the loan notice.
(2) The person in charge has been approved by the competent department;
7. After receiving the notice, the entrusted financial institution shall sign a loan contract with the borrower, go through the formalities of pledge or loan guarantee, sign the authorization certificate of entrusted transfer payment, and set up a special account for personal credit loan;
8. After the loan contract comes into effect, the housing fund management (sub-) center will allocate the funds to the entrusted stock base.
Gold, and then the entrusted assets and bank personal loan funds have been entrusted to the designated account;
9. The borrower repays the provident fund mortgage loan and personal bank loan on time according to the prescribed form;
10. The borrower settles the loan principal, cancels the pledge guarantee, and retrieves relevant valid vouchers.
In this process, there are several places that need friendly reminders:
1, online filing has a special dialog box in the real estate transaction and sales market;
2. Down payment and fund custody are carried out simultaneously.
If you are a self-employed buyer who has not passed the brokerage agency, you must go to the regulatory bank in advance to ask what procedures, valid certificates and copies you need to bring, and then both parties make an appointment to handle them together.
What is the knowledge about portfolio loans?
Definition of portfolio loan:
Portfolio loan means that borrowers who meet the housing profit loan policy can apply for housing provident fund loans while paying housing provident fund, that is, borrowers can buy their own houses in local cities (or other contract types recognized by banks) as collateral, and apply for their own housing provident fund loans and housing profit loans from banks at the same time.
Two standards for handling portfolio loans
First of all, to apply for a portfolio loan, it is necessary to continuously deposit the housing provident fund for more than one year, so as to standardize the provident fund mortgage, which is the most basic regulation. At the same time, the borrower should have the conditions to apply for bank commercial loans.
Secondly, when borrowers meet the conditions of portfolio loans, sometimes they cannot apply for portfolio loans. Loans to buy second-hand houses, many homeowners do not cooperate with the choice of portfolio loans, because it takes a long time to handle portfolio loans. In reality, many real estate developers do not agree to apply for portfolio loans to buy houses. Local provident fund mortgages generally have cooperation with a bank and can only be loaned from that bank.
Seven steps of portfolio loan processing:
The first step of portfolio loan processing: go to the loan bank to explicitly apply for loan processing.
The borrower applies for housing provident fund loans to the real estate credit department of the Construction Bank of counties and cities with the copy of the real estate agent's purchase contract and housing sales license, identity documents, IC card and seal of the provident fund deposit (if applying for husband and wife housing provident fund loans, he must also bring his marriage certificate or other proof of husband and wife relationship), and fill out the Application Form for My Housing Provident Fund Loan (Combination Loan).
The second step of portfolio loan processing: bank audit
According to the information provided by the borrower, the loan bank evaluates whether the borrower meets the loan policy, calculates the loan amount, and defines the loan term.
The third step of portfolio loan processing: sign a loan contract at the loan bank.
After the loan bank approves the borrower's application, the borrower signs a loan contract and a loan contract with the bank (signing a pledge contract without housing guarantee).
The fourth step of portfolio loan processing: go through the guarantee formalities in the fixed property unit.
There are two main contracts for housing provident fund loans (portfolio loans), and borrowers can choose either one according to their actual situation.
Step 5: Go through the formalities of commercial insurance for housing mortgage.
After the borrower completes the mortgage or formalities in the property right unit, he shall submit the loan contract, loan contract (pledge contract), house ownership certificate, mortgage guarantee certificate and other loan materials to the loan bank to go through the residence insurance formalities.
The sixth step of portfolio loan processing: sign the repayment agreement and transfer the account.
If the bank card payment method is selected for repayment, the borrower shall go to the deposit business outlet of China Construction Bank for repayment and pay the debit card, and sign a withholding agreement with the loan bank. Where the entrusting unit remits repayment, the unit shall sign a contract with the loan bank.
Step 7 of portfolio loan processing: financial institution transfers money.
According to the time agreed with the loan bank, the borrower goes to the loan bank to handle the collection procedures, and the loan bank transfers the funds to the house selling enterprise; The borrower shall use the loan for repair and construction in accordance with the loan contract.
What is the handling process of Xi 'an portfolio loan? How long does it take for general approval?
In life, when people buy a house, people with little money will try to buy a house. At this time, the loan will be used. Portfolio loan is also a kind of loan. However, in order to handle portfolio loans, especially in the process of handling loans, many people will do a good job of understanding in advance. May I introduce the handling process of Xi 'an portfolio loan?
In life, when people buy a house, people with little money will try to buy a house. At this time, the loan will be used. Portfolio loan is also a kind of loan. However, in order to handle portfolio loans, especially in the process of handling loans, many people will do a good job of understanding in advance. May I introduce the handling process of Xi 'an portfolio loan? How long can Xi 'an portfolio loan be approved?
Xi' an portfolio loan handling process?
1. When applying for a loan, the borrower needs to apply for a housing provident fund loan at the bank with his second-hand housing sales contract and a copy of his real estate license, ID card and housing provident fund card (if the husband and wife use provident fund loans, they also need to 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 Loan (Combined Loan). Examining and lending, examining and approving the borrower's loan conditions, loan amount and loan term.
2. Sign a loan contract with the loan bank, and the property right department will handle the loan guarantee procedures. There are two ways to handle the portfolio loan: the borrower can mortgage its own, * * own or third-party property. If the buyer wants to mortgage the house property, he needs to hold the borrower's ID card, the original prepayment receipt, the seal, the loan contract and the mortgage contract, fill in the application registration form for other rights of the house and affix the seals of the borrower (mortgagor) and the loan bank (mortgagee). Pledge securities recognized by the lending bank, such as treasury bonds and bank time deposit certificates, and the borrower will hand over the securities to the lending bank for safekeeping.
3. When the bank goes through the formalities of housing mortgage insurance, the borrower submits the loan contract, mortgage contract (pledge contract), house ownership certificate, mortgage certificate and other loan materials to the loan bank, and goes through the formalities of home insurance. Sign a repayment agreement, bank transfer.
How long can Xi 'an portfolio loan be approved?
1. It usually takes 7- 10 working days to approve the spare parts and funds submitted to the buyer and the seller. Lending time: The process of the loan team is to issue the certificate before lending. Generally speaking, it takes 45 working days to approve it, but at present, the bank's money is tight and the time is long. It is related to the negotiation between the buyer and the seller after the transfer, which is usually completed before the transfer. See if you have any special requirements but need to communicate with the seller on the transfer day.
2. The buyer and the seller handle the transfer formalities at the exchange. After signing the commercial loan contract, the original passbook of the buyer and the seller must be left in the organizer. After the new title certificate is issued, a copy will be sent to the appraisal office. After the appraisal report comes out, make a preliminary review of the amount, duration and qualification of the provident fund loan of the buyer's customers.
3. (Buyer's presence is required)-After the preliminary examination, send the contact sheet and evaluation report of the portfolio loan to the commercial loan bank. After the bank's approval (the bank's approval time takes 5- 10 working days), make an appointment for the buyer's customer to sign the provident fund loan contract at the provident fund management center. After signing the provident fund loan contract, the part of the provident fund loan will be released on 13 working days. Commercial loans will be issued within 3-5 working days after the end of public loans.
The above is the handling process of Xi 'an portfolio loan that I introduced? How long can Xi 'an portfolio loan be approved? We know something about the process and approval time of portfolio loan. I remind you that you must find a formal bank loan when you borrow, and prepare some loan materials when you borrow, which will shorten the processing time.
Can second-hand houses be combined with loans?
Second-hand houses can apply for portfolio loans. Borrowers who need combined loans for second-hand houses apply to the housing provident fund management center, mainly provident fund loans, and need to provide relevant loan information and submit it to the housing provident fund management center for approval. Then, with the consent of the housing management center, the loan amount, term, interest rate and other information are agreed and handed over to the loan bank before applying for supporting individual housing loans. After accepting the application, the loan bank needs to review the borrower's credit standing, occupation, income and repayment ability according to the information provided by the borrower, evaluate whether the borrower meets the loan conditions, calculate the loan amount, determine the loan term, and give the borrower a reply within 10 working days.