Provident funds can be borrowed from different places to buy houses. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:
1. Loan City Provident Fund Center accepts the consultation of employees' loan business in different places, and informs them of the materials needed for loan review at one time.
2 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. For employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will issue certificates of deposit and use of the housing provident fund for employees who have borrowed from different places.
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.
4. During the loan repayment period, if the individual account of the 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.
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 the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.
2. Can Beijing's housing provident fund buy a house in Xi 'an?
Yes, this situation belongs to the off-site provident fund loan.
The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:
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.
3. Can the provident fund buy a house across provinces?
Provident funds can buy houses across provinces, and provident funds can buy houses in different places. According to the current provident fund withdrawal policy, eligible employees can withdraw their own and their spouses' provident funds when purchasing their own property houses outside the city. Eligible employees refer to the household registration certificate or work certificate of the city where the house is purchased. 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.
The conditions for withdrawing the provident fund are as follows:
1, purchase, build, renovate and overhaul owner-occupied housing;
2. Retired;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4. Go abroad to settle down;
5. Repay the principal and interest of the house purchase loan;
6, the rent exceeds the prescribed proportion of family wage income.
Provident fund withdrawal process is as follows:
1, which meets the specified conditions for withdrawing the provident fund;
2. Apply to the unit for proof of extraction;
3. Bring the extraction certificate and other materials issued by the unit to the housing provident fund management center for extraction.
Article 2 of the Housing Provident Fund Regulations?
These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.