202 1 year provident fund can be loaned in different places.

At present, some cities allow provident fund loans to buy houses in different places. Deposited employees who purchase houses outside the place of deposit may apply for loans from the housing provident fund management department of the place of purchase according to the housing provident fund loan policy of the place of purchase. The housing provident fund management institution at the place of deposit and the place of purchase shall issue and confirm the deposit certificate and other materials in time and handle the loan procedures.

If you have paid the housing provident fund in full for more than 6 months (inclusive), you can apply for the housing provident fund personal housing loan. If the local area is not allowed to directly apply for provident fund loans to buy a house, you can also transfer the provident fund to the local area first, and then apply for provident fund loans to buy a house.

1. National Provident Fund Loan in Different Places

The national provident fund loan in different places means that employees who have paid the housing provident fund in any city in the country can go back to their domicile to apply for the housing provident fund loan in different places.

However, at present, there are few cities that support the nationwide access to provident fund loans in different places, and there are no household registration restrictions, and the policies among cities are different. Cities with limited household registration include Beijing, Guangzhou, Shenzhen and Qingdao.

2. Loans from different places in the province

Loans in different places in the province refer to employees whose household registration was originally in the loan city, but only worked in other cities in the province and paid the housing provident fund. When they return to their registered residence to buy a house, they can apply for a loan from another place.

At present, most cities support provincial provident fund loans in different places, and some cities have household registration requirements, such as Luoyang, Lanzhou, Kunming, Hefei and Ningbo. Therefore, before applying, it is best for buyers to consult whether the provident fund management center of the deposit place can lend in different places.

3. Inter-provincial provident fund loans in different places

Inter-provincial provident fund loan means that employees can pay provident fund in their work units and apply for provident fund loans to buy houses when they return to their registered permanent residence, even if their work units and registered permanent residence are in two provinces respectively.

At present, the central triangle cities, Nanning and the capital cities of 20 provinces can handle inter-provincial provident fund loans.

Can I borrow money to buy a house in a different place with the housing provident fund?

You can apply for housing provident fund loans in different places. \ \ Process of applying for housing provident fund loan in different places: \ \ Employees who pay in the place of employment (deposit place) and buy self-occupied housing in the place of household registration (loan place) can apply for personal provident fund or rental loan from the provident fund management center of the loan place with the proof of deposit of the provident fund. \ \ When the housing provident fund management center in the loan place accepts and approves the housing provident fund loans in different places, the housing provident fund management center in the deposit place shall issue a certificate of relevant information such as the deposit and loan situation of the local housing provident fund of employees and their spouses. \ \ The materials required for handling the loan of provident fund in different places are: \, application approval form (stamped with the official seal of the unit) (in triplicate); \, the applicant's family and social relations questionnaire (3 copies); \, copy of the house purchase contract (3 copies) for the record; \, a copy of the applicant's and spouse's ID card (3 copies); \, employee housing provident fund deposit and loan certificate (3 copies); \ The applicant shall provide a copy of the ID card and contact telephone number of the permanent contact person who lives in the administrative area and deposits the housing accumulation fund in the center (3 copies); \, a copy of the marriage certificate (unmarried, divorced, need to provide proof of the civil affairs department where the borrower's household registration is located) (3 originals); \, the monthly salary certificate stamped by the borrower and spouse (if the monthly salary is more than 5,000 yuan, provide the salary list of the last three months stamped with the official seal of the unit) (3 copies); \ Copy of down payment receipt (3 copies); \0. Power of attorney for personal credit investigation business (filled in at the counter, one for husband and wife); 1. Credit report inquiry application form (filled in at the counter, one for husband and wife). \ \ If a foreign lender purchases a second-hand house, in addition to the above information, it shall also provide an evaluation report (3 copies).

Can provident fund be used for inter-provincial housing loans?

Legal analysis: the provident fund can be used for inter-provincial housing loans. The conditions of the provident fund loan are as follows: 1, a valid account or residence permit in the place where it is located; 2. The user has normally paid the housing provident fund for six months before applying for the provident fund loan; 3. There are procedures and contracts. For buying, renting and decorating; 4. The down payment paid by the applicant shall exceed 30% or 20% of the total purchase price; 5. Both the lender and the guarantor must be at least 18 years old, with full capacity for civil conduct, good personal credit information and relatively stable income.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Can a foreign account be loaned by provident fund in different places?

Provident fund loans Some cities can borrow money from different places, because the provident fund has not yet achieved national interoperability, and only some interconnected cities can borrow money from different places. Lenders can consult the local provident fund management center to confirm the loanable cities of the local provident fund before applying for provident fund loans.

Steps of provident fund loan in different places

1, consult the provident fund center.

The policy of off-site provident fund loans is not national in nature, so it is best for buyers to consult the provident fund centers in the two places first, especially to know the provident fund centers in the city where they buy houses and the materials they need, and then ask if they can meet the requirements.

2. Submit the application for provident fund loan.

After it is determined that the provident fund can be loaned in different places, the purchaser applies for the provident fund loan, and the provident fund center verifies the employee's situation according to the application, and issues certificates for the deposit and use of the housing provident fund for eligible employees with loans in different places.

3. Verify information and issue loans.

After receiving the application, the loan city provident fund center will go to the city provident fund center where the purchaser paid the provident fund to verify whether there are any problems with the application certificate and other materials submitted by the employees. If there is no problem, it will approve the loan and feed back the deposit of the city provident fund, and then issue the loan.

Three situations of provident fund loans in different places

1, provincial provident fund loans from different places

Many cities are spending off-site provident fund loans in the province. Different places in the province means that in the same province, the provident fund is paid in city A and loans are made in city B, such as Luoyang, Lanzhou, Kunming and other cities. Property buyers can buy houses in these cities and use them across cities.

2, the national provident fund loans in different places

All over the country, cities in different provinces use provident fund loans to buy houses, but few cities support national provident fund loans, only Qingdao and Shenzhen. If property buyers want to use it, they must understand the policies of various cities.

3. Inter-provincial provident fund loans in different places

Inter-provincial provident fund loan means that employees pay provident fund in their work units and return to their registered permanent residence to buy houses. At present, there are not many cross-provincial provident fund loans, and provincial capitals such as Nanning can support them.

Can the provident fund buy a house loan in different places?

Provident funds can be borrowed from different places. As long as the employees who have paid the housing provident fund have the household registration certificate or work certificate of the city where the purchased (built) house is located, they can apply for loans from the housing provident fund management center where the purchased (built) house is located in accordance with the housing provident fund loan policy.

After applying for a provident fund loan, the housing provident fund management center of the deposit place and the purchased (built) house issue and confirm the deposit certificate and other materials to help the borrower handle the relevant loan procedures.

According to the current urban provident fund withdrawal policy, employees who meet the conditions of buying houses outside the city get provident fund for themselves and their spouses. Eligible employees refer to the household registration certificate or work certificate of the city where the house is purchased. The housing accumulation fund will be used to collect the deposit and withdrawal of the whole city, and employees can choose any management department to handle the relevant withdrawal business.

Conditions for buying a house with a provident fund loan in different places

1, in line with the policy of buying a house: generally, buying a house with a provident fund loan from a different place should conform to the local housing loan policy, such as tax payment records or social security payment records for one or two years. Different cities have different requirements, and those who decide to buy a house with a provident fund loan in different places must make full preparations in advance. Because once there are restrictions on buying houses, the policy requirements are all limited for one or two years, and it will not be solved for a while.

2. Credit information and income have been evaluated: credit information and income of housing loans in different places should be evaluated. No matter where you apply for a housing loan, stable job, income and good credit are all important assessment criteria for bank approval.

For people who buy a house with provident fund loans from different places, these assessments should be more stringent. At the same time, we will also consider whether the value of your house is consistent with your ability to repay the principal and interest, so as to fully reduce the capital risk of the bank.

3. Complete materials for purchasing houses: The materials for purchasing houses with off-site provident fund loans should be prepared. For the purchase of a house with a provident fund loan from a different place, we should fully understand the bank's loan policies and requirements and prepare all the materials needed by the bank. After all, it is very troublesome to do things in different places, and these materials can't be solved by express delivery or email, so we must be careful.

For the above contents, please refer to Baidu Encyclopedia-Provident Fund Loans in Different Places.

This is the end point of the introduction of cross-provincial loans for provident funds. I wonder if you have found the information you need?