Housing provident fund can be used in different places. Since July 1 2065438, the National Housing Provident Fund Management Center can handle the transfer and connection of housing provident fund in different places through the transfer platform.

Employees who have paid housing provident fund for cross-regional employment can apply to the housing provident fund management center of the transfer place, and then handle the transfer and connection business through the "National Housing Provident Fund Transfer and Connection Platform".

According to the requirements issued by the Ministry of Housing and Urban-Rural Development, relevant departments are accelerating the construction of a national platform for the transfer and connection of housing provident fund in different places, and handling the transfer and connection of housing provident fund in different places through the platform. In the future, "accounts go with people, and money goes with accounts."

Of course, so many cities across the country have their own rules. Whether you can buy a house loan in different places depends on the local provident fund policy.

A city that can use the housing provident fund to buy a house in a different place.

1. The cities that support inter-provincial loans are: Hangzhou, Qingdao, Shenyang, Changchun, Jinan, Luoyang, Xi 'an, Kunming, Yinchuan, Lanzhou and Hefei (mutual loans with Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei).

However, Changchun, Qingdao, Luoyang and Kunming require applicants to have local household registration, while Yinchuan requires applicants to be non-farmers in Ningxia.

2. The cities that support inter-provincial mutual loan areas are Wuhan, Changsha, Nanchang and Nanning. Among them, Nanning and Guangxi and other 2 1 provinces (autonomous regions) directly managed provident fund centers realize loan intercommunication, and can purchase houses in the other provincial capital cities, regardless of household registration.

3. The cities that support the national provident fund loans in different places are: Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan, Guiyang and Xining. Among them, Guiyang has been on trial for one year since August 15 and 20 10, requiring applicants to have local household registration; Guangzhou, Harbin, Chengdu, Shijiazhuang and Hainan also require applicants to have local household registration.

Second, the housing provident fund loan process in different places

The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:

1. The general loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time;

2. The employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled;

3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;

4. During the repayment period of employee loans paid in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account;

5. When loans overdue is in different places, the money paid to the city provident fund center shall be used by the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance of the loan employee provident fund account can be deducted for repayment.

Consult the local provident fund center for specific operation.

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" item, which is legally necessary, and paying it also means an obligation. [ 1]

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance. [2]