If you work in Beijing and live in Dalian, you can apply for a provident fund loan to buy a house from the housing provident fund management center in Dalian. If the household registration is not in Dalian, you cannot apply for a provident fund loan to buy a house in Dalian. In short, the housing provident fund paid in Beijing can apply for a provident fund loan to buy a house in Beijing or where the household registration is located. In addition to these two places, Beijing provident fund loans cannot be used in different places.
Second, can the foreign provident fund loan to buy a house in Dalian?
Can use the provident fund loan application conditions 1, with legal and valid identity; 2. Have full capacity for civil conduct; 3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; 4, purchase, construction, renovation, overhaul occupied housing; 5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; 6. Provide customer-recognized guarantee; 7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans; Materials to be provided for housing provident fund loans (1) The borrower and the borrower (* * * with the borrower and guarantor), the original and photocopy of the household registration book, and the repayment commitment letter of * * *; (2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station); (3) Legal commercial housing purchase contract or agreement; (4) Personal credit certificate provided by the borrower and the borrower's unit; (5) Effective proof that the borrower has paid not less than 30% of the house purchase price; (6) Effective guarantee certificate; (7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank. Process of applying for housing provident fund loan in different places: 1. Workers who pay in the place of employment (deposit place) and buy self-occupied housing in the place of household registration (loan place) can apply for individual provident fund or lease loan to the provident fund management center of the loan place with the proof of deposit of the provident fund. 2. When accepting the examination and approval of housing provident fund loans in different places, the provident fund management center at the place of deposit shall issue relevant materials such as the deposit of local housing provident fund for employees and their spouses and the loan certificate.
3. Can Dalian use the provident fund loan to buy a house?
You can apply for provident fund loans.
Conditions for handling provident fund loans:
1. Have legal and valid identity documents;
2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;
3. Have a stable income and the ability to repay loans;
4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;
5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;
6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;
7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;
8 overhaul housing, approved by the planning and management department;
9. Being able to provide effective guarantee recognized by the management center;
10. Other conditions stipulated by relevant laws, regulations and policies.
Housing accumulation fund handling process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.
Fourth, can the off-site provident fund borrow money to buy a house in Dalian?
It depends on whether the local provident fund management center supports off-site provident fund, and you can apply if you meet the conditions for off-site provident fund loans.
The general process is as follows:
(1) Consult the loan business in different places, and inform the loan of the required audit materials at one time.
(II) Apply to the municipal provident fund deposit center, which will verify the loans paid by employees according to their applications, and issue certificates of housing provident fund deposit to employees who have never used housing provident fund personal housing loans or settled their houses for the first time.
(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 examination and approval procedures shall be performed within the prescribed time limit, and the result is in the middle. Deposit to the municipal provident fund center for employees' loans in different places. Detailed ledger of off-site loans.
(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. City provident fund center should be transferred after receiving the employee housing provident fund account, and add signs and records.
(five) in loans overdue, the employee's provident fund account balance in the city provident fund center is used to repay the loan.