In the past, most urban provident funds could not buy houses in different places, which worried many property buyers. The provident fund paid didn't come in handy, so I had to buy a house with a commercial loan, paying more interest and increasing the repayment pressure. However, before the end of June this year, China's housing provident fund will build a platform to promote the transfer of the national housing provident fund in different places. First, the provident fund buys a house in a different place. What buyers are most looking forward to. In other words, your provident fund account will follow you, and the provident fund loan can buy a house in different places. It doesn't matter which city you go to work and buy a house. Provident fund loans to buy houses in different places have been relaxed, which is a policy of benefiting the people. It is undoubtedly good news for many just-needed property buyers. Second, the provident fund loan to buy a house, these four points must be known 1, loan amount The amount of provident fund loans in each city is different, and the amount of loans for individuals and couples is also different. For example, Guangzhou has a personal loan of 600,000 yuan and a husband-and-wife loan of 654.38+0,000 yuan. The personal loan in Hangzhou is 500,000 yuan, and the husband and wife are 6,543.8+0,000 yuan. I suggest you go to your city provident fund management center for consultation. 2. Time of deposit Applying for a provident fund loan to buy a house is conditional on the time of deposit. The stipulated time in most cities is six months. The loan borrower needs to continuously deposit the provident fund for more than 6 months (inclusive), and the provident fund account has not been broken and has been continuously deposited. Some cities also require 12 months (inclusive). Representatives of cities over 6 months (inclusive): Beijing, Shanghai and Guangzhou; /kloc-Representatives of cities above 0/2 (inclusive): Tianjin and Changsha. 3. The account balance generally affects the loan amount, and the provident fund loan amount is related to the account balance. If you pay more, you can naturally apply for a higher amount. 4. The mortgage period is long. It is more economical to buy a house with provident fund loans, but the review of provident fund loans to buy a house is strict and there are many procedures. Generally, the loan time is longer. If the delay is long, it will take more than two months. If you are really in a hurry to buy a house, you should consider this. Third, the provident fund to buy a house, you may wish to know more about the local housing policy, understand the conditions, quotas, interest rates of provident fund loans, and the taxes and fees that need to be paid for buying a house. How much the provident fund bears, and how much the commercial loan bears. We must find out the proportion between them. Prepare enough funds to buy a house, see the law of house price fluctuation, and buy a cost-effective house at the right time.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that 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.