1. Beijing Provident Fund buys a house in a different place.
(1) Can Beijing Provident Fund buy a house in a different place?
According to the relevant policies of Beijing housing provident fund, the housing provident fund paid in Beijing at this stage cannot be loaned to buy a house in a different place, but it can be withdrawn after buying a house in a different place.
(1) Employees who have paid the housing provident fund in Beijing can apply for withdrawal of the provident fund after buying a house in other places. If they have co-branded cards, they can also withdraw them monthly, quarterly and annually.
(2) Foreign workers who work in Beijing and pay the housing provident fund on a monthly basis can apply for monthly withdrawal of the provident fund through their own units after purchasing real estate in other places, and enjoy the same treatment as citizens who buy local houses.
In addition, citizens who buy houses in different places can still apply for provident fund loans even if they withdraw all their provident funds from their personal accounts after buying houses in Beijing, as long as they meet the relevant regulations.
At present, the provident fund centers in various places are relatively independent, and there are no interconnected offices. At present, Beijing Provident Fund Center cannot handle provident fund loans for such people who buy houses in different places.
(2) Withdraw the provident fund after purchasing a house in a different place.
According to the current withdrawal policy of Beijing housing provident fund, Beijing housing provident fund can be withdrawn after buying a house in a different place.
According to the Notice of Beijing Housing Provident Fund Management Center on Further Strengthening the Management of Housing Provident Fund Extraction, J.F.F.F.No. 20 14 14, strengthen the management of housing extraction in different places:
When an employee applies for buying a house in a province or city other than Beijing, in addition to submitting relevant materials according to the existing regulations of the management center, the unit where the employee works shall fulfill the verification obligation and issue the Certificate of Purchase of a House by an Employee in a Different Place, and the employee shall issue a certificate of payment of basic old-age insurance by the unit. If the main qualification of the employee's unit does not exist, the villagers' committee, residents' committee or property department where the house is located shall issue the Certificate of Purchase of the Employee in Different Places.
In principle, the withdrawal of housing provident fund shall be handled by the unit manager. Workers' housing provident fund is transferred to households with clear information and centralized storage, which can be handled by individuals with corresponding certificates and extraction materials.
Second, how to handle off-site provident fund loans
1, loan consultation
First of all, you need to consult the provident fund management center that applies for loans, and ask whether the local government allows you to apply for provident fund loans in different places. If so, what conditions are needed, what materials need to be prepared, and so on.
2. Loan application
Then, you need to submit an application for a loan from another place to the management center where the provident fund is deposited. The staff will confirm your application and see if the information you said is true. After confirmation, the staff will issue a certificate for you to pay and use the housing provident fund for employees with loans from different places.
Step 3 Submit information
You need to bring your ID card, house purchase contract and certificate of loan use in different places to the provident fund management center where you apply for a loan, and submit the information to the staff, who will review your information to confirm its authenticity and integrity. At the same time, the management center where you deposit the provident fund will mark your off-site loans and establish a detailed account of off-site loans.
After the data is approved, the provident fund center applying for the loan will handle the loan procedures for you and issue the loan to you. You need to repay on time, and the city's provident fund management center will also cooperate with the loan provident fund center to urge you to repay.
After understanding the knowledge about Beijing provident fund buying houses in different places, we can draw the conclusion that according to the relevant policies, the provident fund can be withdrawn after buying houses in different places. When handling provident fund loans in different places, we must first understand the relevant policies. Information may not be reflected in time because of different places. When buying a house, you must pay attention to the safety of funds.
legal ground
Regulations on the administration of housing provident fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.