If you pay the housing provident fund in Shanghai, you can use the loan to buy a house elsewhere.

According to the first application conditions of the "Individual Application for Housing Provident Fund Off-site Loans" issued by the Shanghai Housing Provident Fund Center: 1. Meet the conditions stipulated in the national and this city's real estate control policies; 2. Have full capacity for civil conduct; 3. Have paid the unpaid amount

The down payment funds are lower than the prescribed proportion; 4. The current housing provident fund has been continuously paid and deposited in full in other provinces and cities for the prescribed period (6 months), and there is no unterminated agreement on withdrawal of housing provident fund (including but not limited to withdrawal of housing provident fund and loan repayment)

Agreements, housing provident fund withdrawal and rent payment agreements, and other housing consumption withdrawal agreements, etc.); if it has been paid and deposited in this city in the past, the current housing provident fund account in this city should have been closed; 5. Have a good credit record and repayment willingness

; 6. Have a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no unpaid housing provident fund debt in the country or other debts that may affect the repayment of the provident fund loan; 7. The house purchased is owned by this city

Owned self-occupied house, and the borrower must be the property owner of the house purchased, and be able to provide the relevant purchase contract, identity certificate, down payment certificate and other materials that meet the regulations; 8. Be able to provide a guarantee method recognized by the Municipal Provident Fund Center

; 9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.

Extended information: Article 3 of "Individual Application for Housing Provident Fund Off-site Loan" Application Place.

To apply for an off-site loan, the borrower can apply at the Changning Sales Department or Jing'an Sales Department of Shanghai Housing Property Guarantee Co., Ltd.; if depositing employees also need to apply for a commercial housing loan, they must first go to any bank entrusted with the housing provident fund personal home purchase loan business.

Apply at a business outlet, and then go to the Changning Sales Department and Jing'an Sales Department of Shanghai Housing Real Estate Guarantee Co., Ltd.

The loan application materials are complete, the time limit for review of the deposit and use certificate shall not exceed 5 working days, the loan qualification review shall not exceed 5 working days, and the loan approval shall not exceed 3 working days; if the conditions for loan issuance are met, the acceptance agency shall receive the "Real Estate Registration"

The loan disbursement time limit shall not exceed 5 working days after the certificate.