Provident funds can buy houses in different places, which is determined according to local policies. The use of provident fund to purchase houses in different places should conform to the local purchase policy, and the credit and income of buyers need to be assessed, and they have collateral or guarantor in different places.

legal basis

article 5 of the regulations on the administration of housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied houses by employees, and no unit or individual may use them for other purposes.

article 26 of the regulations on housing provident fund management, 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, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the 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.

1. The housing provident fund can be used to buy a house in a different place, which is a loan from a different place;

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

3. For the employees themselves or their clients to apply to the deposit center of urban provident fund, the deposit center will verify the employee's deposit loan according to the employee's application, and issue the Certificate of Deposit and Use of Housing Provident Fund for Employees who have never used the housing provident fund or whose first housing provident fund loan has been settled;

4. after accepting the employee's application for loan from different places, 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 loan from different places to the deposit city provident fund center. If the verification is correct, the loan examination and approval procedures shall be performed within the prescribed time limit, and the results shall be fed back to the city provident fund center. Deposit into the city provident fund center to identify the loan situation of employees in different places, and establish a detailed account of the loan situation of employees in different places;

5. During the loan repayment period 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 to the city provident fund center. Transfer to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account;

6. when the loan from different places is overdue, the deposit to the city provident fund center should be carried out by the loan city provident fund center, and the balance of the loan employee's provident fund account can be deducted to repay the loan according to the loan contract.