Provident funds can be borrowed from different places. Workers who have paid housing provident fund can apply for provident fund loans in different places as long as they have the household registration certificate or work certificate of the city where the house is purchased (built). Employees who have paid the provident fund need to use the provident fund to purchase (build) houses in areas other than the deposit place, and can apply for loans from the housing provident fund management center where the purchased (built) houses are located in accordance with the housing provident fund loan policy. After you apply for a provident fund loan, the housing provident fund management center at the place of deposit and the place where the house is purchased (built) will issue and confirm the deposit certificate and other materials to the other party, and help the borrower to handle the relevant loan procedures.

Second, mortgage purchase, the down payment is insufficient, can I apply for provident fund loan payment?

No, the down payment must be paid in cash. Can't use provident fund and bank loans to pay. For reference only.

3. Yiyang City, Hunan Province, can I use the provident fund loan if the down payment is less than 30%?

The first thing depends on the size of the house you buy. Yiyang's new policy this year: if the area of the house is less than 120_, you can use the full provident fund loan, and if it is greater than 120_, you can only use the combination of postal and provident fund loans, with a minimum down payment of 30%. Unless the area is less than 90_, the down payment can be 20%.