Housing provident fund can be borrowed from different places to buy a house. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures: the loan city provident fund center accepts the consultation of employees' off-site loan business and informs them of the audit materials required for loans at one time.
Employees themselves or their clients apply to the urban provident fund deposit center, and the 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 never used the housing provident fund or whose loans for the first time 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 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.
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.
Materials required for applying for provident fund loan: commercial housing sales contract (original1);
Household registration book (home page, household registration book home page and personal page) and marriage certificate (1 original marriage certificate, divorce certificate or divorce judgment) of the applicant and spouse; Unmarried certificate of unmarried persons (1 original inspection); Singles need to provide the company's marriage certificate (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 copies of the original inspection shall be received and printed on both sides).
Spouse ID card (copy 1 to be printed on the front and back of the original);
Second, can the housing provident fund borrow money from different places to buy a house?
Legal analysis: Actually, it is possible. This situation belongs to the off-site provident fund loan. For off-site loans, the employee's off-site loan business will consult according to the gold center, and inform the loan of the required audit materials at one time. . Provident fund loans in different places mainly include employees paying the housing provident fund in full for more than 6 months (inclusive), but the loan target is to purchase the first set of self-occupied housing or the second set of improved ordinary housing.
Legal basis: the handling process of the Notice of the Ministry of Housing and Urban-Rural Development on the Operational Issues Concerning the Handling of Individual 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 loan demand at one time.
(two) the employee himself or his client to apply for deposit in the city provident fund center. According to the employee's application, verify the employee's deposit of loans, and issue a certificate of deposit and use of employee's housing provident fund for individual housing loans or the first unused housing provident fund.
(3) After the loan manager applies for a loan from a different place, he shall verify the authenticity and completeness of the information in the deposit and use certificate of the housing provident fund for employees with loans from different places. 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 into the city provident fund center to identify the loan situation of employees in different places, and make detailed accounting of the loan situation. (four) during the repayment period of employee loans paid in different places, if the housing is paid in the city provident fund center, it 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 when receiving loans from employee housing provident fund accounts. (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.
Iii. 202 1 provident fund new policy of buying houses in different places?
As the welfare of the house, provident fund is very important to every employee. However, due to the change of work and the migration of cities, many people can only helplessly look at their provident fund accounts and sigh, but they don't know how to use them. But this situation has been solved this year.
What are the conditions for buying a house with 202 1 year provident fund loan?
1. Off-site loans in the province
Loans in different places in the province refer to employees whose household registration was originally in the loan city, but only worked in other cities in the province and paid the housing provident fund. When they return to their registered residence to buy a house, they can apply for a loan from another place.
At present, most cities support provincial provident fund loans in different places, and some cities have household registration requirements, such as Luoyang, Lanzhou, Kunming, Hefei and Ningbo. Therefore, before applying, it is best for buyers to consult whether the provident fund management center of the deposit place can lend in different places.
2. National provident fund loans in different places
The national provident fund loan in different places means that employees who have paid the housing provident fund in any city in the country can go back to their domicile to apply for the housing provident fund loan in different places.
However, at present, there are few cities that support the nationwide access to provident fund loans in different places, and there are no household registration restrictions, and the policies among cities are different. Cities with limited household registration include Beijing, Guangzhou, Shenzhen and Qingdao.
3. Inter-provincial provident fund loans in different places
Inter-provincial provident fund loan means that employees can pay provident fund in their work units and apply for provident fund loans to buy houses when they return to their registered permanent residence, even if their work units and registered permanent residence are in two provinces respectively.
At present, the central triangle cities, Nanning and the capital cities of 20 provinces can handle inter-provincial provident fund loans.
4. Can the housing provident fund borrow money from different places to buy a house?
First of all, answer directly.
Of course.
Second, the specific analysis
The details are as follows.
1.A city pays the provident fund, and the house is in B city. Find the housing provident fund management center in B city to apply for a loan to buy a house.
2.A city pays the provident fund, and the house is in B city. Please ask the housing provident fund management center of A city to issue a certificate of using the loan paid in different places.
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Third, the loan conditions in different places.
That is, there is loan cooperation between different provident fund management centers.
For example, a city management center pays the provident fund, and b city management center applies for a loan to buy a house in different places. If Center A and Center B have loan cooperation, they can apply.
For example, the provident fund in Changsha, Zhuzhou and Xiangtan has realized mutual recognition and mutual loan. When the provident fund of the three places is paid to employees, you can choose one of them to apply for housing provident fund loans in different places.