1. How to borrow the provident fund portfolio loan?

the processing flow of the provident fund portfolio loan, the next editor of Jintou introduces how to finance the provident fund portfolio loan

1. Submit the application. The lender needs to submit the provident fund loan application to the provident fund management center and the bank respectively, and provide relevant information.

2. Sign the contract. After the application is passed, the borrower takes the notice issued by the provident fund management center and applies for the portfolio loan to the loan bank. After the bank agrees, Sign relevant contracts with the borrower.

3. Mortgage and insurance. After signing the contract, you need to go through mortgage registration, insurance and other procedures.

4. Open an account. Customers who choose entrusted deduction to repay will open special savings passbook accounts, savings cards and credit card accounts in the loan bank. At the same time, the sales staff must set up deposit experts in the loan bank.

5. Pay the fees. The loan bank will pay the fees according to the loan contract. Transfer the loan directly to the borrower's deposit account opened in the loan bank, or transfer the loan to the seller's deposit account opened in the bank once or several times.

6. Repay on schedule. The borrower repays the loan according to the time agreed in the contract.

7. Settle the loan. After the loan is paid off, you need to go to the bank to go through the formalities, get the loan settlement certificate from the loan bank, get back the property ownership mortgage registration certificate and the original insurance policy, and take the settlement certificate to the original mortgage registration department for cancellation.

application for personal loan from provident fund and personal housing loan from loan bank;

2

Identity documents (resident identity card, household registration book or other identity documents);

3

The borrower's certificate of stable economic income or other proof of solvency issued by the provident fund management department and the relevant departments recognized by the loan bank;

4

Legal and effective purchase contracts, agreements and other approval documents;

5

A written commitment to voluntarily mortgage the purchased property;

6

Appraisal report of mortgaged property issued by the provident fund management department and the real estate appraisal institution recognized by the loan bank;

7

Proof of self-raised funds used by the owner to pay the down payment for house purchase;

8

Other documents and materials required by the provident fund department and the loan bank.

Third, who should consult the provident fund portfolio loan?

Go to the housing provident fund management center for consultation.

the contract for the deposit and payment of the common reserve fund by at least two couples.

2. The borrower should have signed the housing mortgage contract with the development enterprise and signed the Commodity House Pre-sale Contract. Housing provident fund loan guarantee procedures have been handled. Open a housing provident fund account for more than 12 months, and there is no overdue for more than 12 months, and there is no outstanding housing loan record.

fourth, hurry! Consult how to combine loans! !

It seems that if you don't have enough down payment, the down payment should be at least 2%.

The conditions for provident fund loans are: for six months in a row, the balance should be more than 5, yuan (for families with only one person participating in the loan, if you buy a self-occupied house for the first time, the loan amount of basic provident fund should not exceed 3, yuan; If there is a supplementary housing provident fund, the loanable amount of the supplementary provident fund shall not exceed 1, yuan, and the total amount shall not exceed 4, yuan. If it is not the first time to buy a self-occupied house, the loan amount of the basic provident fund shall not exceed 2, yuan; If there is a supplementary housing provident fund, the loan amount of the supplementary provident fund shall not exceed 1, yuan, and the total amount shall not exceed 3, yuan)