As a city with a large population mobility, Beijing has workers from all over the world, but only a few people can buy a house in Beijing. Most workers work in Beijing to save money and then buy a house in another place. So can Beijing provident fund loans from different places buy a house? If yes, what is the procedure? Next, Bian Xiao answered these questions.
1. What is provident fund?
Provident fund, generally refers to the company's provident fund, is the amount of funds retained by the company outside its capital. According to whether the retention of provident fund is legally mandatory, provident fund can be divided into statutory provident fund and arbitrary provident fund. In addition, the 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.
2. What are the procedures for Beijing provident fund loan to buy a house?
1. The applicant must purchase an owner-occupied house at the place where he/she has registered, and he/she is the owner or owner of the house purchased.
2, the applicant must be normal and full deposit housing provident fund for more than six months.
3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid)
4. Provide guarantee procedures approved by Beijing Housing Provident Fund Management Center.
5. Meet other conditions for housing provident fund loans.
Buying a house in a different place in Beijing means that you can apply for a Beijing provident fund loan if you buy a house in your hometown (where your household registration is located), but you can't apply for a provident fund loan if you don't buy a house in your household registration.
3. What information does Beijing Provident Fund loan need to buy a house?
1. Housing provident fund deposit certificate provided by Beijing Housing Provident Fund Management Center. (Both parties are non-Beijing couples who have paid housing provident fund in Beijing, and they need to provide; Original 1 copy is kept by the center, and the certification format is provided by Beijing Housing Provident Fund Management Center)
2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (One original and one copy, with a copy of the original inspection)
Other materials required according to different situations of house purchase.
1. Beijing housing provident fund is a long-term loan material for commercial housing.
2. Beijing housing provident fund is used as the loan material for existing commercial housing.
3, Beijing housing provident fund for second-hand housing loan materials.
Beijing housing provident fund is used as the material for the housing loan.
5, Beijing housing provident fund cooperative housing loan materials.
6, Beijing housing provident fund for housing loan materials.
7. Beijing housing provident fund is used as a loan material for rebuilding houses.
8. Beijing housing provident fund is used for portfolio loan materials.
Four. Relevant policies:
The Notice on Developing Personal Housing Loan Business of Housing Provident Fund (J.Z. [20 14] 148) requires that the loan business of housing provident fund in different places should be promoted, the demand of paying employees to buy houses in different places should be supported, and the rights and interests of paying employees should be guaranteed. The relevant issues are hereby notified as follows:
1, division of responsibilities
(a) the deposit city provident fund center (including sub-centers, the same below) is responsible for reviewing the employee deposit and loan situation, issuing a written certificate to the loan city provident fund center, and cooperating with the loan city provident fund center to verify the relevant information.
(two) the loan city provident fund center and the entrusted bank are responsible for the business consultation, acceptance, review, issuance, recovery, change and post-loan management of loans in different places, and bear the loan risks.
(three) the loan city provident fund center and the deposit city provident fund center should regularly check the loan situation in different places, and master the withdrawal, repayment, change and overdue situation.
2. Treatment process
(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.
(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
(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 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.
(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. 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.
(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.
Can Beijing Provident Fund borrow money from different places to buy a house? The answer is yes. Through understanding, the applicant must be a non-Beijing citizen who has continuously paid the housing provident fund in Beijing for 6 months or more, and has real estate without mortgage in the place where he is registered. Those who meet the above conditions and loan demand conditions can apply for a Beijing provident fund loan to buy a house, bearing in mind that the loan must not be overdue.