In order to meet the needs of employees' housing loan, Zhengzhou launched the "Combination Loan+Registration of Common Mortgage"

Henan Daily Client reporter Li Lin Henan Daily All -Media Reporter Chen Hao

On July 29, the reporter learned that the Zhengzhou Housing Provident Fund Management Center, with the support of the Zhengzhou Real Estate Registration Center, conducted a personal housing portfolio loan (referred to as "combined loan") business on the same set of housing and commercial banks on the same set of housing and commercial banks. Loan+common mortgage registration "business.

"Combination loan+common mortgage registration" business refers to the borrower mortgaged the purchase of the house to Zhengzhou Housing Provident Fund Management Center ("Provident Fund Center") and commercial banks when applying for a portfolio loan. guarantee. Under the mortgage registration model, the buyer is the mortgagee, and the provident fund center and the commercial bank are jointly associated with the mortgagee. The common right holders of the house mortgage are the first sequence of beneficiaries regardless of the order.

According to reports, the launch of the "portfolio loan+shared mortgage registration" model will better promote the development of Zhengzhou's portfolio loan business. Before the launch of this business model, because the bank was unable to obtain the mortgage right, the combined loan became a guarantee loan, which was not conducive to the risk prevention and control of the bank's commercial housing loan. Therefore, there were fewer banks participating in port loans.

After launching the "Combination Loan+Common Mortgage Registration" model, when handling house mortgage registration, the bank obtains the mortgage right. The commercial housing loan in the portfolio loan is the same as other commercial bank housing loans. Guarantee is more in line with the risk prevention and control requirements of commercial bank housing loans.

It is reported that the launch of this business will help Zhengzhou employee purchase loans.

Processing process

For borrowers, compared to before, the process of procedures for the loan loan in combination has not changed, but the process of handling house mortgage registration business has changed slightly. The specific requirements are as follows:

1. The bank organization (previously organized by the guarantee agency) borrower with the provident fund center and the commercial bank signed the "Personal Housing Combination Loan Contract" and "Zhengzhou Pre -sale of commercial housing mortgage contracts" to fill in the "Real Estate Registration Application Approval Form".

2. The bank reports to the real estate registration center for mortgage registration application materials.

3. Real estate registration centers review the house mortgage registration application materials, and register for qualified mortgage applications.

4. The bank receives the house mortgage registration certificate, or the house mortgage registration electron certificate pushed by the registration center.

The time to start handling

After the recent trials of various relevant parties, the first "Combination Loan+Combat Mortgage Registration" business involved in CCB has successfully completed and loanned. Therefore, from now on, the combination of loans can be officially adopted by a new mortgage model.

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