However, it should be noted that due to regional policy differences, the specific use conditions and processes may be different. Generally speaking, applicants need to meet certain conditions and apply and approve according to the prescribed procedures.
First, understand the Hunan provident fund policy
Before buying a house in Hunan, you need to know the local provident fund policy, including the specific provisions, application conditions and quota restrictions for the use of the provident fund in different places. You can visit official website, Hunan Housing Provident Fund Management Center, or go to the local provident fund window for consultation.
Second, meet the application conditions
Under normal circumstances, the use of off-site provident fund in Hunan needs to meet the following conditions:
1. The applicant must have a stable occupation and income, and have the ability to repay the loan principal and interest on time;
2. The applicant must pay the housing provident fund in full within a certain period of time (the specific period varies from region to region);
3. The applicant shall provide the purchase contract, down payment certificate and other related materials;
4. Applicants must comply with the purchase restriction policy of the local real estate market.
Third, the application process
1. Prepare relevant materials: including ID card, household registration book, marriage certificate (if any), provident fund deposit certificate, house purchase contract, down payment certificate, etc.
2. Apply to the Hunan Provincial Housing Provident Fund Management Center or the designated bank;
3. Submit materials for approval: the staff will review the qualifications and materials of the applicant and approve those that meet the requirements;
4. After approval, the applicant can go through the loan formalities according to the prescribed procedures, including signing loan contracts and handling mortgages.
Fourth, matters needing attention
1. Because there may be differences in provident fund policies in different regions, applicants need to know the local specific regulations in detail before applying;
2. To buy a house with the off-site provident fund, we need to pay attention to the loan amount, interest rate and other related policies in order to make a reasonable purchase plan;
3. In the process of handling, the applicant should provide true and complete materials as required, otherwise the application may fail or have other adverse consequences.
To sum up:
Hunan can use the off-site provident fund to buy a house, but it needs to meet certain conditions and apply for approval according to the prescribed procedures. Applicants should know the local provident fund policy in advance, prepare relevant materials and go through the formalities in accordance with relevant regulations. At the same time, in the process of buying a house, the applicant also needs to pay attention to the loan amount, interest rate and other policies to ensure that his house purchase plan is reasonable and feasible.
Legal basis:
Regulations on the administration of housing provident fund
Article 24 provides that:
In any of the following circumstances, employees may withdraw the storage balance 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.