In Shenzhen, employees can buy houses in different places, regardless of whether they buy commercial housing or policy housing, they can handle the business of buying houses in different places.
I. Extraction of Housing Provident Fund
(1) treatment conditions
1, the employee has paid the housing accumulation fund.
2. The bill is within the validity period.
3. Employees or their family members (spouses and minor children) purchase housing (including commercial housing, policy housing or affordable housing).
Note: Employees who do not have a joint housing provident fund card must have social security stock.
(2) Processing materials
1, Shenzhen housing provident fund housing consumption withdrawal application form
2. Copy of employee ID card and household registration book
3, employee housing provident fund joint card
4. Purchase contracts and purchase invoices
5, spouse's identity certificate, marriage certificate
6. The identity card of the trustee and the power of attorney notarized by the notary office.
7. Real estate license (purchased in different places), purchase invoice or deed tax stamp or special receipt for policy housing.
Employees who pay housing provident fund in the place of employment and buy self-occupied housing in the place of non-employment can consult whether the housing provident fund management center in the place of purchase supports off-site loans through websites and service hotlines. If supported, the employee can issue a deposit certificate to the housing provident fund management center in the place of employment and apply for a loan from the housing provident fund management center in the place where the house is purchased.
The second is housing provident fund loans.
(1) treatment conditions
To purchase new commercial housing, affordable housing and existing commercial housing, and apply for housing provident fund loans, all the following conditions 1 to 8 must be met:
1. The applicant and the same applicant who participated in the calculation of the loanable amount of provident fund loans have continuously paid the housing provident fund in full and on time for 6 months in this city or other places before the month of application, and the provident fund account was in a normal state at the time of application (the account was sealed, frozen and cancelled in an abnormal state). The deposit time of provident fund in this city and other places can be calculated together;
2. The applicant and * * * have the ability to repay the principal and interest of the loan, and their credit status is good (see the Provisions of Shenzhen Municipality on the Administration of Housing Provident Fund Loans for credit status determination);
3. The applicant and his family (including husband and wife and minor children) have not made provident fund loans in this city or have paid off the provident fund loans;
4. The applicant has paid the down payment for the house purchase as required;
5. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;
6. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan handling, the time when the provident fund center accepts the provident fund loan shall prevail, and it shall be handled in accordance with the principle of "old methods for the elderly and new methods for the newcomers". But the national, provincial and municipal real estate market management policies have been clearly defined, from its provisions.
7. Meet other conditions stipulated by the provident fund management committee.
8. Under any of the following circumstances, you cannot apply for provident fund loans:
(1) The housing purchased by employees has other rights holders except spouses, parents and children;
(two) the purchase of a single set of housing property rights;
(three) the sale of houses between employees and their parents, spouses and children;
(4) The applicant and * * * the same applicant failed to pay the provident fund in accordance with the Interim Measures and the Provisions of Shenzhen Municipality on the Administration of Housing Provident Fund Deposit, or there were illegal and illegal situations such as fraudulently obtaining the provident fund, adjusting the deposit base, and paying the provident fund by affiliated units.
(2) Processing materials
1, housing provident fund loan application form
2. A valid identity document, a copy of the seller's identity card and a copy of the minor's identity card.
3. Marriage certificate
4. Purchase contract or subscription, real estate license and repayment account.
5. Purchase down payment voucher and property inquiry form
6. Copy of ID card of the legal representative and power of attorney of the legal representative.
7. Attorney's notarial certificate, agent's ID card and guardian's notarial certificate.