Personal housing portfolio loans refer to home buyers applying for provident fund loans while applying for personal housing commercial loans. The provident fund and commercial portfolio loan process is not complicated. The borrower goes to the bank to complete the loan application form with the purchase contract and various types of house purchase information. In the process of repayment of a mortgage, early repayment of a combination loan is also possible.Enter the provident fund online query entrance
- I am an account holder in Qingdao. I have been working in Huai'an for almost 5 years. I want to apply for a combination loan to buy a house. Where do foreigners need to provide ...
When applying for a provident fund loan for the first time, the purchased house can be mortgaged. You need to provide original and photocopies of the certification materials: 1. The resident ID of the borrower and spouse; 2. The residence register of the borrower and spouse; 3. The marriage status of the borrower ( Marriage certificate or unmarried, single certificate); 4, in accordance with the provisions of the contract for the sale of commercial housing; 5, unified sales of real estate invoices; 6, deed tax payment vouchers These are the provident fund loan proof documents, please go to the counter over the bank to consult ...
- What conditions need to be met to apply for a combination loan to buy a house?
A combination loan must meet the requirements of both provident fund and commercial loan. If you can use a provident fund loan to buy a house, you can generally use a combination loan.
- If you buy a house with a combination loan, the commercial loan portion has now been repaid, and the provident fund portion has not been repaid. May I still take it ...
Yes, as long as you are allowed to buy a second home, you can borrow again. It is only that the down payment for the second house is not less than 60%, and the interest rate must also rise.
- The former commercial pure loan was not returned, can I still buy a house with a combination of loans?
If you have never used a provident fund loan then this house can be used as a combination loan, and the requirements will be a bit high. But some cities can, some cities can't.
- Excuse me, what is the process of buying a house with a combination loan?
For a combination loan, you need to go to the provident fund management center to apply for the provident fund loan part, and then take the "combination loan contact form" to a commercial bank to apply for a commercial loan. Generally, after one week of provident fund loan, the commercial loan can be released.
- Combination loan to buy a house
The way to buy a house with a combination loan is to first go to the bank and provident fund management center to make a loan application, submit information, and then get the provident fund loan entrustment notice. Then the bank applies for a combination loan, and then signs a contract for the commercial loan and the provident fund loan. Then open an account to repay on time. The combination of loans to buy a house must first be provided to the Construction Bank and the Provident Fund Management Center ...
- What information should I prepare if I use a personal housing portfolio loan to buy a house
-When the client submits a loan application to the provident fund management department and bank in turn, they need to submit the following information: ---- (1) identity card (resident identity card, household register or other identity document); ---- (2) provident fund The borrower's repayment ability certification materials recognized by the management department and the lending bank, such as: proof of income and proof of assets, etc.-(3) legal contracts, agreements and approval documents for the purchase of housing; (4) involving mortgages Or pledge ...
- Both men and women bought a house with a commercial loan before marriage and sold it after marriage. Can the man buy a house with a loan? ...
The man's purchase of a house is a pre-marital act. There is no house during the marriage between the woman and the man, so the woman's first-hand purchase of a second-hand house after the divorce is considered.
- What is the service life of a combination loan?
The loan period for the purchase of a new house by a combination loan is 25 years. Wuqing Investment Value Preservation Unlimited Purchase Real Estate Recommended Wuqing Country Garden Daduhui Sales Office: 400-6378-335 119
- My husband used a pre-marital combination loan to buy a house. After marriage, I want to use my provident fund to pay off the loan. What can I do?
Yes, couples applying for joint loan repayment is a provident fund entrusted withholding loan repayment, which refers to the provident fund loan borrower and his spouse signing the "Authorized withholding of housing provident fund to return to provident fund loan authorization form" to authorize the housing provident fund management center to once Or deduct their housing provident fund deposit once a year to directly return the provident fund loan. Specifically, when the spouse information changes after the borrower changes from unmarried to married or remarried, the spouse's provident fund deposit ...
- How long does it take to approve a combination loan to buy a house?
The processing time is generally more than 4 months
- How to buy a house combination loan? What is the process of buying a house combination loan?
It's best if you have a provident fund. Then you can borrow if you buy a house! You first use the Provident Fund to loan 160,000, and then you have a commercial loan. The monthly interest rate of this year's commercial loan is more than 5.72 points, and the Agricultural Bank of China and the Construction Bank of China are about 5.5 monthly interest. Loan.
- How to take out the provident fund at one time when buying a house with a combination loan?
Provident fund loan is not overdue, repay commercial bank personal housing loan or provident fund loan principal and interest and withdraw the provident fund Wuqing investment to maintain the value of unlimited purchases recommended Wuqing Country Garden Daduhui Sales Office: 400-6378-335 119
- Detailed explanation of Wuhan portfolio loan to buy a house: how to apply for a portfolio loan
The combination loan means that when the borrower applies for a provident fund loan that is not enough to pay the purchase price, the insufficient part of the loan can be applied to a commercial bank for a commercial personal housing loan at the same time.
- How Shanghai uses a combination loan to buy a house
The combination loan is a loan issued by the housing fund management department using policy housing funds and a commercial bank using credit funds to the same borrower. It is a collective term for a combination of policy loans and commercial loans.
- What is the portfolio loan buying process
A combination loan refers to a borrower who meets the commercial housing loan conditions and simultaneously deposits a housing provident fund. When applying for a personal housing commercial loan, he can also apply for a personal housing provident fund loan, that is, the borrower purchases a home in the city Housing (or other guarantee methods recognized by banks) as collateral can apply to the bank for personal housing provident fund loans and personal housing commercial loans at the same time.
- Personal housing portfolio loan calculation method
When buying a house, everyone will obtain a lower financing cost by applying for a personal housing portfolio loan. However, in the specific operation, there are still many detailed issues that need to be considered. Then, how is the personal housing portfolio loan calculated? Is the personal housing portfolio loan calculation method difficult?
- Wuhan portfolio loan buying process and repayment method
If the employee's application for a housing provident fund loan for housing purchase does not meet the needs, and at the same time less than 80% of the purchased house price, he can apply for a personal housing commercial loan. The total of the two loans does not exceed 80% of the house price. Portfolio loans can only be applied for by employees who have contributed to the provident fund.
- What are the conditions for using public loan to buy a house with a combination loan?
Loans to buy a house, combined loans may be the * ideal way. When the provident fund loan is loaned to a higher level, the remaining housing funds go to commercial loans. However, if you want to apply for a combination loan to buy a house, you need to meet both the requirements of commercial loans and provident fund loans. I. Can I apply for a provident fund loan to buy a house? 1. The borrower must apply for a provident fund loan to buy a house
- Wuhan portfolio loan buying process and repayment method: the provident fund loan amount is the key
If the employee's application for a housing provident fund loan for housing purchase does not meet the needs, and at the same time less than 80% of the purchased house price, he can apply for a personal housing commercial loan. The total of the two loans does not exceed 80% of the house price. This is called a combination loan. Portfolio loans can only be applied for by employees who have contributed to the provident fund.
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