At present, Beijing, Shanghai, Chongqing, Hangzhou, Xiamen, Hainan, Taiyuan, Xi, Guizhou, Shijiazhuang, Xining, Harbin, Guangzhou, Shenzhen, Tianjin, Yinchuan, Chengdu and other cities 17 support the national housing provident fund loans in different places.
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. 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.
What do you need to pay attention to for provident fund loans in different places?
1, be sure to consult in advance.
If you want to apply for provident fund loans in different places, consulting in advance is an essential step. The policy of off-site provident fund loan has not been introduced for a long time, so it may not be possible to apply for off-site provident fund loan. Please consult clearly in advance.
2. Pay attention to the qualification of buying a house.
In addition to considering whether provident fund loans can be used in different places, buyers need to determine whether they meet the local purchase conditions before buying a house. In many cities, the price of real estate and the qualification of buying houses are closely related to the national macro-policies and local economic and real estate policies. If property buyers do not meet the local purchase conditions, they can't buy a house if they want to buy it.
3. Arrange expenses reasonably.
When buying a house, you can't spend all your money on it. Before buying a house, you must arrange your future expenses reasonably. Even if it is a loan to buy a house, the down payment is not a small expense, followed by the purchase tax, house decoration and other expenses. Therefore, friends who borrow money to buy a house must pay attention not to use all their savings for loans. It is suggested that personal liabilities should not exceed 50% of personal total assets, otherwise the safety of family assets will be threatened.
4. Pay attention to the safety of funds.
Generally speaking, when applying for provident fund loans in different places, the location is different from the place where you want to buy a house, which may lead to untimely information communication. At this time, we should pay special attention to the safety of funds. Because when you repay the loan, you may not know immediately whether the other party is the real seller.
5, look at the real estate comparison.
Buying a house will inevitably cost buyers more time and energy. Choosing a house is not just a matter of looking at it, especially for buyers who buy a house in different places. If they don't know much about the local real estate market, they should look at some properties for comparison. Whether the house is good or not can only be known through on-the-spot investigation. When buyers look at the house on the spot, they should not only look at the quality and apartment type of the house itself, but also look at the surrounding areas of the house, whether there are pollution sources, whether the transportation is convenient and so on.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund.
Article 1 Under any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-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.
Two, "housing provident fund management regulations" twenty-fifth.
Article 1 When employees withdraw the storage balance in the housing provident fund account, the unit to which they belong shall verify and issue a certificate of withdrawal.