With the rapid development of Internet, information dissemination has become more and more extensive. When people encounter problems they don't understand in life and work, they just need to know them online. Today, I will explain to you whether the Chengdu Provident Fund can be used in different places, hoping to let you know something about it. Let's take a look together. 1. Can Chengdu Provident Fund be used in different places? The provident fund purchased in Chengdu can be used in other places, but it must conform to the provident fund loan policy of the place where the house is purchased. The situation of provident fund loans in different cities is different.
2. What is the longest loan term of Chengdu Provident Fund? (1) The longest loan period shall not exceed 30 years, and the borrower's loan application period shall not exceed his statutory retirement period in principle; If the borrower, spouse and * * * borrower all have the conditions to apply for individual housing loan of housing provident fund, the loan period can be calculated according to the party with longer remaining working years. (2) Borrowers who are within 5 years (including 5 years) from the statutory retirement age, have repayment ability and good personal credit, and can effectively implement post-loan management can appropriately relax the loan term to 1-5 years after retirement. 3. What is the maximum loan amount of Chengdu housing provident fund? The maximum loan amount of Chengdu Provident Fund is 400,000 for single employees and 700,000 for double employees. The specific provisions are as follows: the calculation formula is 1, and the loan amount of a single employee's family = the borrower's provident fund deposit balance ×20 times× the deposit time coefficient. 2. The amount of family loan for two or more persons = (the balance of the borrower's provident fund deposit * * * and the balance of the borrower's provident fund deposit) ×20 times× the deposit time coefficient. 3. If the continuous normal deposit time is less than 12 months, the time coefficient is 0.5; If the continuous normal deposit time is 12 months to 24 months, the time coefficient is 0.9; The time coefficient of continuous normal deposit for more than 24 months is 1. 4. The maximum loan ratio shall not exceed 70%. 5. Not higher than the loan amount determined according to the repayment ability of the loan applicant and the borrower. 6. Do not exceed the upper limit of housing provident fund loans. Upper limit of quota 1, single employee: 400,000 yuan; 2. Families with more than two persons: 700,000 yuan. 4. The interest rate of Chengdu housing provident fund loan is 2.75% for the benchmark first suite of individual housing provident fund loan, 3.25% for five years and above, and 20% for down payment. The benchmark interest rate of the second suite of personal housing provident fund loans is below 3.03% for five years and above 3.58% for five years. The first set is settled by 20% and the outstanding is 40%.
2. Can Chengdu Housing Provident Fund purchase houses in different places?
If your hukou is still in Xuzhou, you can't use Xuzhou's housing provident fund to return the house in Hunan.
However, you can take out the housing provident fund when you move out of your household registration.
In addition, if there is an invoice for renting a house in Xuzhou, you can take out the housing provident fund with the bill and return it in different places.
3. Can Chengdu Provident Fund buy a house in a different place?
The public conditions in Chengdu are as follows:
1. The applicant must purchase a self-occupied house in our city and be the owner or * * * owner of the house purchased;
2, the applicant must be normal and full deposit of housing provident fund for more than six months;
3 outstanding housing provident fund loans, including housing provident fund deposit;
4, provide the approval of the city housing provident fund management center.
5. Meet other conditions for housing provident fund loans.
In addition, it is also necessary to provide the housing provident fund deposit certificate provided by the housing provident fund management center in cities at or above the prefecture level. Employees who have paid in the last year and need to participate in the calculation of the loan amount shall go to the housing provident fund deposit management center with the housing provident fund deposit certificate. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of the applicant's housing provident fund in different places by telephone or fax.
Legal basis: Article 25 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.
If the employee withdraws the housing balance, the unit shall verify and issue a certificate of withdrawal. Workers should apply to the center for withdrawal of housing provident fund. The housing provident fund management department shall make a decision on whether to approve the withdrawal within 3 days, and notify the entrusted bank to handle the payment.
4. Can Chengdu's provident fund be used in Mianyang?
Yes, Mianyang can use the Chengdu provident fund loan to buy a house, which is a different 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 Deposit and Use of Housing Provident Fund 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;
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.