Can not be used across the city. Because the scope of use of the provident fund is in the same city, it cannot be used in different places; The provident fund can be withdrawn, but the provident fund account number cannot be transferred at present; One of the conditions that the provident fund loan object must meet: there is a house purchase contract or relevant supporting documents (this need is consistent with the provident fund account number).
Second, Guiyang provident fund loan policy.
This policy is currently under study.
Three, Guiyang off-site provident fund loan policy 2022
The loan amount can be increased by 50% on the basis of its calculated loanable amount. The maximum loanable amount can be increased by 50% to 150% on the basis of the current maximum amount. Specifically, for talents of Class A and B, the maximum loanable amount is increased by 1.50% (single employee family 1.25 million yuan; Dual-employee family: 6.5438+0.5 million yuan); Class C talents, the maximum loanable amount has increased by 1 000% (single employee family 1 000,000 yuan; Dual-employee family10.2 million yuan); For talents in categories D, E and F, the maximum loanable amount will increase by 50% (750,000 yuan for single-employee families; 900,000 dual-employee families). If you buy a house in Guiyang and Gui 'an New District, you can withdraw the balance of your spouse's housing provident fund account for the down payment when applying for a housing provident fund loan. If there is no house in Guiyang and Gui 'an administrative areas and the house is rented, the withdrawal amount of renting house can be increased by 50%(20 100 yuan/year) on the basis of the existing amount. Establish a green channel for talent service. The first change of the New Deal is that employees apply for the first set of self-occupied Zhuo Provident Fund loans after they have paid Zhuo Provident Fund for six months according to the regulations, and the maximum loan amount is increased from 450,000 yuan to 500,000 yuan per household. For the first time, the down payment of employees' families who use Zhuo provident fund loans to buy ordinary self-occupied Zhuo will be reduced to 20%, and at the same time, they can apply for additional down payment by withdrawing the balance of individual Zhuo provident fund. The relevant person in charge of Guiyang Zhuo Provident Fund Management Center told the reporter that in the past, Zhuo Provident Fund loans were used for the first time to buy ordinary self-occupied families in the administrative area of Guiyang. If the housing area does not exceed 1.20 square meters, the minimum down payment ratio for the first suite is 20%. /kloc-From May, 2000, it was the first time to use Zhuo Provident Fund loan to buy ordinary Zhuo's employee families in Guiyang administrative area, and the minimum down payment ratio was 20%. Previously, the loan amount of Guiyang Provident Fund was determined according to the deposit ratio. The maximum loan amount is 450,000 yuan, and the contribution ratio to the provident fund is 5%. For employees who have paid the provident fund in full according to the contribution ratio of 12% and have good credit rating and strong repayment ability, the maximum loan amount is 500,000 yuan. Legal basis: Regulations on the Management of Housing Provident Fund Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.
4. What are the conditions for the use of non-Guiyang provident fund in Guiyang?
First, the non-Guiyang provident fund of this province can be used in Guiyang, but only if it conforms to the provident fund loan policy of Guiyang Provident Fund Management Center. The situation of provident fund loans in different cities is different. At present, it has not been uniformly implemented nationwide.
Two. Handling process of off-site provident fund loans:
(a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time.
(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
(3) After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
(four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
(5) In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.
3. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund. The new policy mainly includes employees who have paid the housing provident fund in full for more than 6 months, and can apply for personal housing loans from the housing provident fund. The loan targets are employees who have purchased the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.