Yes, but not all different places will do, provided that the city where you pay the provident fund and the city where you want to buy a house have signed a mutual loan agreement, and basically this agreement will be signed between cities in the province. For example, Guangzhou, Foshan, Zhaoqing, Jiangmen, Zhongshan, Zhuhai, Dongguan and Huizhou in Guangdong can lend to each other.
2. Can Shenzhen Provident Fund borrow money to buy a house in Jiangmen?
Legal analysis: In order to purchase a house in depth, the conditions that need to be met are: employees or their family members (spouses, minor children) buy commercial housing, policy housing or affordable housing in different places, and bills can only be applied once within a limited time.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
Third, how to use the off-site provident fund to buy a house in Jiangmen?
No provident fund, no loans from different places to buy a house. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. This definition of housing accumulation fund contains the following five meanings: (1) Housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas. (2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents do not implement the housing provident fund system, and retired workers do not implement the housing provident fund system. (3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the individual contributions of employees are withheld by the unit, they will be paid into the individual account of housing provident fund together with the unit contributions. (4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund. (5) Housing provident fund is a personal housing savings fund for employees' housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash, and must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is specificity. The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city can the housing provident fund be withdrawn from the account. According to the above regulations and credit business regulations, it is not allowed to buy a house with housing provident fund loans in different places. You can try to buy a house in a different place in other ways. There are many ways to buy a house now, and it is not cost-effective to buy a house with pocket money. You should think more about buying a house. I wish you a satisfactory house.
4. Can Guangzhou employees use the provident fund to buy a house in Jiangmen?
Yes, this situation belongs to the off-site provident fund loan.
The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall 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 themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has 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. 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 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 loans:
Commercial housing sales contract (original 1 copy);
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 marriage certificate of the company (original 1 copy);
Bank personal settlement account passbook (2 copies, original inspection);
Down payment voucher (1 original inspection);
Applicant's valid identity certificate (2 originals to be inspected and printed on both sides);
Spouse ID card (copy 1 original to be inspected).