With it, you can go to different places
Second, can Handan use Beijing's provident fund to go abroad for loans?
Whether you can use the provident fund loan to buy a house across provinces depends on whether the local provident fund management center supports the provident fund loan business and whether the conditions of the provident fund loan in different places can be applied.
The general process is as follows:
(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.
(two) provident fund center application, deposited in the city provident fund center. According to the employee's application, it is verified that the employee's housing provident fund has been used for individual housing loans without housing provident fund or the first individual housing loan with housing provident fund.
(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 in the city provident fund center 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. After being transferred to the city provident fund center, it should be credited to the employee housing provident fund account.
(5) In loans overdue, the municipal provident fund deposit center should cooperate with the loan work, and deduct the balance of the loan employee's provident fund account according to the loan contract to repay the loan.
3. Can Hebei Provident Fund buy a house in Handan?
Legal analysis: you can't buy a house in Handan with a housing provident fund loan when you pay the provident fund in different places.
The Object and Conditions of Personal Loan for Housing Provident Fund in Hebei Province
(1) The object of the provident fund loan: the depositor of the housing provident fund who bought the owner-occupied house in Shijiazhuang and applied for a loan.
(2) Conditions for provident fund loans: To apply for housing provident fund loans, the following conditions must be met at the same time.
1, the housing accumulation fund has been paid normally for more than six months;
2. Stable income, good credit and strong repayment ability;
3. Purchase legal self-occupied housing;
4. The paid house price has reached more than 20% of the total house price;
5. Be able to provide real estate mortgage guarantee.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(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.
4. Can Handan's provident fund be used in Shijiazhuang?
Handan provident fund can be used in Shijiazhuang. According to Article 5 of the Measures for the Administration of Personal Housing Provident Fund Loans in Handan City, the conditions for applying for provident fund loans are: the loan amount applied for has been fully paid into the housing provident fund for six consecutive months, and the arrears are not more than three months. Employees who have no liabilities for provident fund loans and have full capacity for civil conduct may apply for provident fund loans when purchasing the first set of self-occupied housing or the second set of improved self-occupied housing. There are no restrictions on local use, so Handan's provident fund can be used in Shijiazhuang.