According to the current policy, provident fund loans are not allowed to buy houses in different places. You can only buy a house with a commercial loan first, and then withdraw the provident fund to repay the commercial loan. However, there is a limit and time limit for withdrawing the provident fund:
1. Employees who purchase, build, renovate or overhaul their own houses by means of loans or installment payment can withdraw the housing provident fund once a year or every few years from the following year to repay the loan principal and interest or installment payment, and provide relevant repayment or payment vouchers for the current year or the previous year when withdrawing. When applying for withdrawal, the balance of my housing provident fund is less than the actual loan principal and interest or installment payment, and the insufficient part will not be replenished in future years.
Second, if employees need to withdraw the balance of housing provident fund in their accounts at one time when purchasing, building, renovating or overhauling their own houses, they should apply within one year of the above-mentioned acts, and will not accept them after the deadline.
The whole of Guangxi, including Nanning, is not allowed to use the provident fund to buy real estate in different places.
Second, can the off-site provident fund borrow money to buy a house in Nanning?
Nanning Housing Provident Fund Loan Guide in Different Places
I. Application conditions
1. The applicant must purchase a self-occupied house in our city and be the owner or owner of the house purchased.
2, the applicant must be normal and full deposit housing provident fund for more than six months.
3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid)
4 to provide the guarantee procedures approved by the city housing provident fund management center.
5. Meet other conditions for housing provident fund loans.
Second, the application materials
1, the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (Require both husband and wife to provide housing provident fund in different places; Original 1 copy, kept by the center, and the voucher format is provided by the housing provident fund management center of our city)
2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (One original and one copy, with a copy of the original inspection)
3. Other information is the same as the normal housing provident fund loan.
Third, the handling process
1, ask for the form. Loan applicants can consult and obtain the deposit certificate of housing provident fund at our housing provident fund business outlets, or download it from our housing provident fund website.
2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.
3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.
4. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit.
5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (During the teller's internal operation, the occupation of employees who have paid housing provident fund in different places should be entered into the column of the applicant's occupation in the borrower's data table in the system. )
Four. Loan amount, loan interest rate and term
The maximum loan amount can reach 600,000 yuan.
The loan interest rate shall be subject to the provisions of the People's Bank of China. If the legal interest rate is adjusted during the loan period, it will not be adjusted if the loan term is within one year (inclusive); If it is more than one year, the new interest rate regulations will be implemented according to the corresponding interest rate grades from 1 of the following year.
Loan Term The loan term shall not exceed 30 years, and in principle shall not exceed the remaining years from the statutory retirement age. However, employees whose remaining years from the statutory retirement age are less than 65,438+00 years may be extended to five years after the statutory retirement age upon their own application.
3. Can Nanning Provident Fund and Liuzhou Provident Fund be used?
Nanning provident fund can be used in Liuzhou, depending on different situations. Now it is generally possible to buy a house in a different place with a provident fund loan. Please consult the local provident fund management center for specific policies. The process of applying for housing provident fund loans in different places is as follows: employees who have paid the provident fund deposit at the place of employment (deposit place) and buy self-occupied housing at the place of residence (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. If the employee who has paid the provident fund applies for buying a house in a different place, and the provident fund management center of the loan place accepts and approves the housing provident fund loan in a different place, the provident fund management center of the deposit place shall issue the certificate of deposit and loan of the local housing provident fund of the employee and his spouse and other relevant materials.
4. Can Nanning buy a house with a provident fund loan in different places?
Subjective law: you can buy a house. When buying a house in a foreign country, if you buy a house in full, you need to provide your spouse's ID card, provident fund card, purchase contract, real estate license, household registration book and household registration certificate or work permit. Article 24 of the Regulations on the Management of Housing Provident Fund stipulates that employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Legal objectivity: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.