Personal housing portfolio loan refers to the specific loan portfolio formed by CCB when employees who have paid the housing provident fund in full and on time purchase and overhaul all kinds of houses, and at the same time issue provident fund personal housing loans and self-owned account housing loans.

1. The total amount of first-hand housing loans shall not exceed 80% of the total house price.

2. The total amount of second-hand housing loans shall not exceed 70% of the total house price.

3. The amount is calculated by housing accumulation fund, individual housing loan and individual housing commercial loan.

Loan processing flow:

(1) The borrower fills in the loan application form at the housing fund management (sub-) center and provides relevant information;

(2) The housing fund management (sub-) center conducts a preliminary examination of the borrower, including verifying the loan application form, verifying the loan amount and term, and determining the loan guarantee method;

(3) The amount of provident fund loan is not enough;

(4) The entrusted bank investigates the borrower, including: whether the house purchase behavior is legal; Whether the collateral meets the requirements; Income, whether it has the ability to repay the principal and interest of the loan; If there is a guarantor, whether the guarantor has the guarantee qualification, etc. ;

(5) 1. After investigation by the entrusted bank, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval.

First, entrust an agency to investigate and provide individual housing portfolio loans, which shall be examined and approved by the competent agency;

(6) 1. After approval, the housing fund management (sub-) center will issue a notice of entrusted loan.

2. Approved by the competent authority of the handling bank;

(7) After receiving the notice, the entrusted bank signs a loan contract with the borrower, goes through the formalities of mortgage, pledge or guarantee, signs a power of attorney for entrusted transfer payment, and opens a special account for personal loan;

(8) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan funds, and then the entrusted bank will transfer the entrusted funds together with the personal loan funds of the bank into the developer's account;

(9) The borrower shall repay the provident fund loans and personal bank loans on time according to the prescribed methods;

(10) The borrower pays off the loan principal and interest, cancels the mortgage guarantee and takes back the relevant documents.