Portfolio loan score is the performance of the bank's evaluation of the borrower's qualification. Insufficient scores will affect the progress of the loan or may be rejected.

Scoring appraisal object:

1, ID card;

2, hukou, foreigners need temporary residence permits and hukou;

3, marriage certificate, divorce certificate or court verdict, single certificate;

4. Personal credit information is good;

5. proof of income;

6. Academic certificate;

7. Bank flow;

8. Other attributes.

Portfolio loan has a very important relationship with the real estate under the borrower's name. If the first suite is purchased, the down payment ratio is 30% of the total value of the house; If you buy a second suite, the down payment ratio is 60% of the total value of the house.

The interest of portfolio loans shall be calculated according to their respective loan interests. In other words, the part of the provident fund loan is calculated according to the interest rate of the provident fund loan, and the part of the commercial loan is calculated according to the interest rate of the commercial loan. At the same time, applicants need to pay attention to the repayment dates of commercial loans and provident fund loans.

Required information:

1, loan application form;

2. ID card and 3 copies of ID card;

3. Original and photocopy of the household registration book (home page and personal page are required for collective accounts);

4. Original and photocopy of the whole house sales contract (2 copies);

5. Application for registration of ownership transfer (provided by the developer);

6 copies of advance payment receipt (2 copies);

7. Private seal (one for each married couple);

8. Personal wage income certificate (format paper provided by the developer, confirmed and sealed by the company);

9. Contact list of portfolio loan and its copy (1 copy);

10, commercial loan contract;

1 1. Sixth copy of maintenance fund receipt.