First, can the provident fund be used across provinces to buy a house?

1, the provident fund can buy houses across provinces. According to the current provident fund withdrawal policy, eligible employees can withdraw their own provident fund when purchasing their own property houses outside the city. Among them, eligible employees refer to the household registration certificate or work certificate of the city where the house is purchased.

2.20 14 On June 9, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, requiring all localities to relax the conditions of provident fund loans, so that employees can apply for provident fund loans after continuous deposit for six months to realize mutual recognition of provident fund in different places. However, this has only achieved inter-provincial provident fund loans in some areas, which is not common in the whole country.

3.2015,65438 "Detailed Rules for the Implementation of Housing Provident Fund Loans in Four Capital Cities of the Middle Yangtze River Urban Agglomeration" was issued, and the policy was formally implemented. Wuhan, Changsha, Nanchang and Hefei, the four capital cities of the middle reaches of the Yangtze River urban agglomeration, implement mutual recognition and transfer of housing accumulation funds in different places; Workers who pay provident fund in their places of employment and buy self-occupied housing in their places of residence may apply for provident fund personal housing loans in their places of residence. It can be seen that the inter-provincial use of provident fund has become an inevitable trend in the future.

Can the provident fund in different places buy a house across provinces?

1, national off-site loans

Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan Province, Guiyang, Xining, Hangzhou, Yinchuan, Xiamen and Fuzhou have achieved nationwide loans from different places, that is, employees who have paid provident fund in other provinces and cities in China can apply for provident fund loans to buy houses in this 18 place. Among them, Hangzhou and Yinchuan expanded the scope of off-site loans from the province to the whole country, and Xiamen and Fuzhou were the first cities to implement off-site loans.

2. Inter-provincial loan areas

The four cities of Wuhan, Changsha, Nanchang and Nanning only aim at some cities outside the province, and implement mutual loans of housing provident funds in different places.

3, the province, the region off-site loans

Nine cities, namely Qingdao, Shenyang, Changchun, Jinan, Luoyang, Hefei (with Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei), Xi, Kunming and Lanzhou, have realized loans in different places in the province, that is, they can apply for provident fund loans to buy houses in other cities in these provinces.

Second, can the housing provident fund buy a house in a different place?

Can the housing provident fund buy a house in a different place? It is reported that housing provident fund can buy a house in different places and apply for housing provident fund loans in different places. From 2065438+2005 10, the loan business of provident fund in different places will be fully implemented. 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.

Housing provident fund purchase conditions in different places:

1. If the housing provident fund has been paid in full for more than 6 months (inclusive), you can apply for a personal housing loan from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place.

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 the provident fund buy a house across provinces

Provident funds can buy houses across provinces, and provident funds can buy houses in different places. According to the current provident fund withdrawal policy, eligible employees can withdraw their own and their spouses' provident funds when purchasing their own property houses outside the city. Eligible employees refer to the household registration certificate or work certificate of the city where the house is purchased. When buying a house in other places, local employees should provide their own and their spouses' ID cards, provident fund cards, purchase contracts, real estate licenses, full payment and household registration certificates or work certificates.

The conditions for withdrawing the provident fund are as follows:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income.

Provident fund withdrawal process is as follows:

1, which meets the specified conditions for withdrawing the provident fund;

2. Apply to the unit for proof of extraction;

3. Bring the extraction certificate and other materials issued by the unit to the housing provident fund management center for extraction.

Article 2 of the Regulations on Housing Provident Fund

These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.