Can Luoyang provident fund buy a house in a different place? Yes, but citizens need workers who are registered in Luoyang administrative area, employed in other cities in the province and pay housing provident fund normally, buy ordinary self-occupied houses in Luoyang administrative area, and pay housing provident fund regularly in their work units for more than 6 months, and need to prepare a series of required materials before Luoyang provident fund can buy a house in a different place.
Who can apply?
Workers who are registered in the administrative area of Luoyang City, are employed in other cities in the province, pay the housing provident fund normally, and buy ordinary self-occupied housing in the administrative area of Luoyang City.
Foreign loans are the same as local loans, with a maximum loan amount of 400,000 yuan, a maximum loan period of 30 years and the same interest rate as local loans. Where can citizens who want to apply apply apply? The person in charge said that urban applicants can apply to the loan center on the third floor of Luoyang Housing Provident Fund Management Center.
Please apply to the county (city) district management department. It is necessary to remind the public that borrowers and spouses are not allowed to apply for housing provident fund loans at both the deposit place and Luoyang.
Required conditions
The applicant has continuously paid the housing accumulation fund for at least 6 months (inclusive) in the workplace.
The off-site loan policy is implemented by combining the number of houses and loans in the deposit place and the loan place. Xiao Liu, from Luoyang, works in Zhengzhou. The deposit place is Zhengzhou and the loan place is Luoyang. He once bought a property in Zhengzhou, but there was no property in Luoyang. Then, the number of his houses is 1 and the number of loans is zero. Now, small places apply for loans and enjoy the interest rate of the first home loan.
In addition, to apply for a loan in different places, the loan guarantee must be carried out in accordance with the guarantee method approved by Luoyang Housing Provident Fund Management Center. At present, the loan guarantee of Luoyang provident fund is handled by Luoyang * * Real Estate Guarantee Co., Ltd., and citizens who need it can call 0379-6 18 12749 for consultation.
Required materials
Due to the different loan policies in different places, in addition to the materials needed for local loans, loans in different places also need these different materials:
Certificate of deposit of housing provident fund for employees with foreign loans issued by the center where the borrower and spouse deposit (in triplicate), and the original and photocopy of the detailed account deposited in the last six months 1 copy.
Note: The borrower must provide these two materials, but the materials of the borrower's spouse are not necessary. If you need to calculate the loan amount together, you need to submit it.
The borrower shall issue a certificate of housing information to the household registration location (where the loan is purchased) and the housing management department where the provident fund is deposited.
Note: the policy of off-site loan is relatively loose, requiring "whoever applies for it will prove it", that is, the applicant must issue these two certificates. In addition, provident fund loan families only include applicants, spouses and minor children. If the local housing management department cannot issue a certificate of family information, it is necessary to issue its own certificate of housing information.
Tip: The above is the introduction of whether Luoyang Provident Fund can buy a house in a different place. Luoyang provident fund has strict conditions for buying houses in different places. Citizens must meet the requirements and prepare all materials before they can use provident fund loans in different places.