When renting a house to withdraw the provident fund, employees and their spouses can't own their own houses in the city where the provident fund is paid, and they have to pay the provident fund continuously for three months before they can withdraw it. If there is no room in Wuhan, Shanghai provident fund can be withdrawn quarterly. If Shanghai Provident Fund buys a house in Wuhan, it needs to meet two conditions:
1. must be a local account. You have paid social security for 2 years in Wuhan before you are eligible to buy a house.
There is also buying a house in a remote city, or a commercial and residential building (this is not limited to buying or lending).
Second, can the provident fund be used across the market?
Yes, this situation belongs to the off-site provident fund loan. However, at present, few cities can use provident fund across regions, and there are four cities that support mutual recognition of provident fund loans, namely Wuhan, Nanchang, Hefei and Changsha. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. The Ministry of Housing and Urban-Rural Development stipulates that provident fund loans in different places shall be handled according to the following procedures: the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time; Employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled; 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. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places; During the loan repayment period, if the individual account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform 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; 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. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment. Eight cities in Guangdong Province have implemented the policy of mutual loan of housing provident fund in different places. Including Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, Dongguan and Zhaoqing. As long as the provident fund is paid in these eight cities, eligible people can buy a house in any city. But the down payment ratio, loan amount, years and so on. They are all in accordance with the existing regulations, and the loans in which city are handled in accordance with the regulations of which city. Not all housing accumulation funds can be used in different places. You can apply for provident fund loans as long as you meet the following conditions: 1. Deposit time: the applicant must set up a housing provident fund account 12 months (inclusive) and meet the requirements of full and normal deposit of the provident fund in a certain period of time. Some regions require 6 months (inclusive), and some regions require 12 months (inclusive), which will vary from place to place. 2. Lender's age: the sum of the lender's age and the loan period is less than 70 years old. 3. The applicant has full capacity for civil conduct, has the ability to repay the principal and interest of the loan, and has a good credit status; 4. The applicant has paid the down payment for the house purchase as required; 5. The applicant provides a guarantee that meets the requirements of these Provisions; 6. The applicant and the applicant meet the requirements of national, provincial and municipal real estate market management policies; 7. Meet other conditions stipulated by the provident fund management committee. Legal basis: Article 10 of the Regulations on the Management of Housing Provident Fund, the cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities with districts (prefectures and leagues) shall set up housing provident fund management centers to be responsible for the management and operation of housing provident fund according to the principle of simplification and efficiency. County (city) does not set up housing provident fund management center. The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting. Housing provident fund management center is an independent institution directly under the Municipal People's Government, which is not for profit.
3. Can Shanghai housing provident fund and supplementary housing provident fund buy a house in Wuhan?
You can transfer to Wuhan.
Fourth, the hukou is in Shanghai and the provident fund is in Wuhan. What are the restrictions on buying a house in Wuhan?
Hello:
It is not the condition that the area that Wuhan hukou must reach to buy a house is 0,000.
Can't buy a second-hand house.
However, Wuhan hukou is not restricted. You can buy a house flexibly