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Workers who pay in different places to buy houses in Xiangtan can apply for housing provident fund loans.
The specific application conditions are as follows:
1. The housing provident fund has been paid regularly and continuously for more than 6 months (inclusive), the arrears are less than 3 months (inclusive), and the account status shows normal: (1) The housing provident fund has been paid continuously for more than 12 months (inclusive), and the payment has been stopped for less than 6 months (inclusive). Re-payment shall be deemed as payment of the stopped payment. (2) If an employee pays the fee for the first time or stops paying, the date of opening a new account or paying the fee again and the date of applying for a loan shall not be less than 6 months (except for the above 1).
2. The purchased house can be registered in Xiangtan City (pre-announcement).
3. Good credit, no high debt, the ability to repay the principal and interest of the loan on schedule, and full capacity for civil conduct.
4. Employees and their spouses who purchase the first or second set of housing nationwide, apply for provident fund loans for the first time (including discount loans, the same below), or have used provident fund loans once but have settled, and meet the relevant conditions for re-application, can apply for housing provident fund loans in different places. Xiangtan City housing provident fund personal loan rate of 85% or higher, the implementation of secondary and above early warning control measures, the suspension of housing provident fund loans in different places.
Second, what are the procedures for buying a house with a provident fund loan in different places?
Hello,
First, the conditions for buying a house with a provident fund loan in different places
1. If the housing provident fund has been paid in full for more than 6 months (inclusive), you can apply for a personal housing loan from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management institution of the original deposit place.
2, housing surplus or the second set of improved ordinary self-occupied housing has been issued to the families of workers can not be issued.
3. In a city divided into districts where the individual housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan amount shall be increased according to the local commodity housing price.
4. Employees must hold the deposit certificate issued by the housing provident fund management department in the place of employment, and apply for the housing provident fund personal housing loan to the housing provident fund management department where the household registration is located. 、
Please refer to the above answers provided by Ronglian Ye Wei.
3. What are the procedures for buying a house with a provident fund loan in different places?
Hello,
First, the conditions for buying a house with a provident fund loan in different places
1. If the housing provident fund has been paid in full for more than 6 months (inclusive), you can apply for a personal housing loan from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management institution of the original deposit place.
2. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Households of paid employees who purchase the third and above houses cannot issue housing provident fund loans.
3. In cities divided into districts where the personal housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan amount shall be appropriately increased according to the local commodity housing price and per capita housing area.
4. Employees must hold the deposit certificate issued by the housing provident fund management department in the place of employment, and apply for the housing provident fund personal housing loan to the housing provident fund management department where the household registration is located. 、
Please refer to the above answers provided by Ronglian Ye Wei.
4. What are the procedures for buying a house with a provident fund in different places?
1. 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. 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. 3. Take ID card, house purchase contract, certificate of loan use in different places and other materials to the provident fund management center where the loan is applied, and submit the materials to the staff, who will review your materials to confirm their 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. 4. After the materials are 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 the loan on time, and the provident fund management center in the city will also cooperate with the provident fund center of the loan to urge you to repay the provident fund in different places. What materials do you need to buy a house? ? 1. Application approval form, original employee ID card and original employee housing provident fund joint card; 2 employees according to the spouse share extraction, provide spouse ID card, marriage certificate and a copy of the original; 3. According to the share of minor children, submit the original and photocopy of the household registration book (if the household registration book cannot be provided or the household registration book cannot reflect the family relationship, provide the proof of other family members' relationship issued by the public security organ); 4. According to the share of spouse and minor children, the above materials should be provided at the same time; 5. One original and one copy of the real estate license (if the original real estate license cannot be submitted, a copy and the property ownership (inquiry) certificate issued by the local real estate management department can be submitted; If it is a mortgage loan, you only need to provide a copy, but you must affix the special seal of the loan bank or the official seal of the bank); 6. Original and photocopy of purchase invoice or deed tax stamp or special receipt for policy housing; 7, entrust a spouse to handle, must provide the spouse's identity card, marriage certificate and a copy of the original; If it is entrusted to others, the original and photocopy of the trustee's ID card shall be submitted, and the original power of attorney notarized by a notary office shall be submitted at the same time. How to handle the provident fund loan in different places? To sum up, it is necessary to prepare relevant documents and conditions for applying for provident fund loans from different places to withdraw provident fund. Employees should bring the "Application for Housing Provident Fund Withdrawal" and relevant supporting materials to the banking service outlets to apply for the withdrawal of housing provident fund from different places. Legal basis: Article 26 of the Regulations on the Management of Provident Funds, employees who have paid the housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.