For example, Mr. Wu, a Beijinger who has worked in Nanjing for many years, returned to Beijing this year. Recently, Mr. Wu wants to marry his girlfriend who has been in love for many years, and began to prepare to buy a wedding room, hoping to choose a provident fund loan. However, he has been paying the provident fund in Nanjing since he graduated to work. If he chooses to buy a house in Beijing, can he apply for a provident fund loan?
Answer:
Buyers like Mr. Wu who pay housing provident fund in other places but want to buy a house in Beijing can apply for provident fund loans in Beijing as long as they meet the purchase restriction conditions in Beijing.
Beijing chain professionals explained that according to the relevant policies and regulations, "employees who have paid the housing provident fund in full for more than 6 months (inclusive) can apply for personal housing loans from the housing provident fund; If the housing provident fund is paid in a different place and the deposit is less than 6 months at the current deposit place, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place. "
That is to say, according to the deposit certificate issued by the original deposit place (Nanjing Provident Fund Center), Mr. Wu Can merged his own provident fund deposited in Nanjing with the one deposited in Beijing, and then applied for provident fund loan in Beijing.
In this regard, Beijing chain professionals pointed out that since provident fund loans need to be implemented in accordance with the policies of the place where the house is purchased, when Mr. Wu applies for provident fund loans, his loan amount, interest rate and years should be determined in accordance with Beijing's provident fund policies.
At the same time, the notice issued by the above-mentioned Beijing Provident Fund Center also pointed out that "employees who deposit and purchase Beijing real estate in the off-site provident fund center can apply for the withdrawal of housing provident fund from the off-site center at the Beijing Management Center, and the application shall be subject to the handling requirements of the off-site center. Provide relevant materials. " From this perspective, after buying a house, Mr. Wu Can also applied for withdrawal of the housing provident fund in accordance with relevant regulations.
In addition, according to the above notice, four service items, such as "account opening by housing provident fund unit", "information change of housing provident fund depositor", "information change of housing provident fund depositor" and "paying off housing provident fund loan in advance", can also be handled across provinces, only on the online business platform of Beijing Provident Fund official website.
Yang, editor of Beijing News, proofread by Yang.
Image source /IC photo