The provident fund can be used to buy a house, because the purpose of paying the provident fund is to buy a house to the maximum extent, so that the provident fund you pay can enjoy interest concessions and meet your own housing needs. However, the provident fund is paid in the provident fund management center of your city, and you can only buy a house in your own city. Therefore, the foreign provident fund cannot buy a house in Chongqing.
2. What are the procedures for Chongqing to use off-site provident fund loans?
20 16 processing flow of housing provident fund loans in different places
(a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time.
(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
(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 approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
(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. 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.
(5) 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, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.
3. What are the procedures for Chongqing to use off-site provident fund loans?
Housing construction should 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' provident fund center to apply, deposit city provident fund center according to the application of employees, verify the deposit of loans of employees, and prove that unused housing provident fund has been used for personal housing loans or housing loans have 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 deposit and use certificate of the employee's housing provident fund for off-site loan. If verified, the examination and approval procedures will be reviewed and the results will 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 repayment of employee loans paid in different places, if the personal account of housing provident fund is transferred, 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 informed of the loan situation in different places in a timely manner after receiving the employee housing provident fund account.
In loans overdue, the city provident fund center for loan collection, employee provident fund account balance for.
Materials required for applying for provident fund loans:
Commercial housing sales contract (original 1 copy);
Household registration book and marriage certificate of the applicant and spouse (1 original marriage judgment);
Unmarried certificate of unmarried persons (1 original inspection);
Singles need to provide the marriage certificate of the company (original 1 copy);
Personal settlement account passbook of Agricultural Bank of China (2 xeroxes, original inspection);
Down payment voucher (1 original inspection);
The applicant's valid identity certificate (2 originals must be received and printed on the front and back);
Spouse ID card (copy 1 original to be inspected).
4. What materials need to be prepared for off-site provident fund loans?
For provident fund loans, you need to prepare ID cards, employee income certificates and purchase contracts. 1. Deposited employees should consult the housing provident fund management center of the loan city (the city where the house is purchased) when handling the loan business in different places, and the loan city provident fund center will inform the loan of the required audit materials at one time. The employee himself or his client applies to the municipal provident fund deposit center. For the employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, the deposit city will issue the Certificate for the Use of Employees' Housing Provident Fund Loans in Different Places. Then, the employees apply for loans from different places to the loan city provident fund center. The loan city provident fund center shall verify the authenticity and completeness of the information in the deposit and use certificate of housing provident fund for foreign loan workers to the deposit city provident fund center. If it is verified to be correct, the loan provident fund center will perform the loan approval procedures within the prescribed time limit. 3. The Notice on the Operation of Housing Provident Fund Personal Housing Loans in Different Places clarifies the handling process of housing provident fund personal housing loans in different places. The application for provident fund loans in different places pointed out that employees can apply for provident fund loans after six months of continuous deposit, and the provident fund will realize mutual recognition in different places. The off-site provident fund loans mainly include employees who have paid the housing provident fund in full for more than 6 months (inclusive), and can apply for individual housing loans for housing provident fund. The loan target is the paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Legal basis; Article 2 of the Notice on the Operation of Personal Housing Loans from Housing Provident Funds in Different Places; (a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time. (II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled. (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 approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places. (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. 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. (5) 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, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.