1. Can Guangzhou Provident Fund be used in Foshan?

Yes, this situation is an off-site provident fund loan.

The Ministry of Housing and Urban-Rural Development clearly stipulates that provident fund off-site loans should be handled according to the following process:

The Loan City Provident Fund Center accepts employees’ off-site loan business consultation and informs the loan of the required review materials at one time;< /p>

The employee himself or his client submits an application to the City Provident Fund Payment and Deposit Center. The City Provident Fund Payment and Deposit Center will verify the employee's deposit and loan status based on the employee's application, and provide personal housing loans or first-time housing provident fund for unused housing provident funds. Deposit-paying employees whose personal housing loans have been settled shall issue the "Certificate of Use of Housing Provident Fund for Employees with Off-site Loans";

After the Loan City Provident Fund Center accepts the employee's off-site loan application, it shall verify the "Proof of Use of Housing Provident Fund for Employees with Off-site Loans". The authenticity and completeness of the information in the Proof of Payment, Deposit and Use of Housing Provident Fund for Employees Loans from Other Places. If the verification is correct, the loan review and approval procedures should be completed within the specified time limit, and the results should be fed back to the city provident fund center. The urban provident fund depositing center identifies the employees' off-site loans and establishes a detailed ledger of employees' off-site loans;

During the repayment period of the off-site loan for the depositing employees, if the personal account of the housing provident fund is transferred, the original deposit account will be transferred. The Urban Provident Fund Center should promptly notify the Urban Provident Fund Center of the loan and the transfer to the Urban Provident Fund Center. The transferring city provident fund center should promptly re-identify and record the off-site loan situation after receiving the employee housing provident fund account;

When the off-site loan becomes overdue, the depositing city provident fund center should cooperate with the lending city provident fund center to carry out the loan For collection and other work, according to the loan contract, the balance of the employee provident fund account of the loan can be deducted to repay the loan.

Materials required to apply for a provident fund loan:

Commercial housing sales contract (1 original copy);

Applicant and spouse’s household register (homepage, household homepage, Personal page) and marriage certificate (the original of marriage certificate, divorce certificate or divorce judgment will be accepted for verification and 1 copy will be accepted);

For unmarried persons, unmarried certificate (original will be verified and 1 copy will be accepted);

< p>If you are single, you need to provide a marriage certificate from your employer (1 original copy);

Bank personal settlement account passbook (2 copies of the original will be required for verification);

Down payment receipt (1 original copy will be verified) Receive 1 copy);

Applicant’s valid ID card (receive 2 copies for verification of the original, front and back must be printed);

Spouse’s ID card (receive a copy for verification of the original) 1, need to be printed on both sides).

2. Can Foshan use Guangzhou provident fund loans?

Yes

In the eight cities in the Pearl River Delta, Dongguan, Guangzhou, Zhuhai, Foshan, Jiangmen, Zhongshan, Zhaoqing, and Huizhou, they have implemented mutual loans of provident funds in different places. Function. In other words, if you pay the provident fund in any of the above 8 cities, you can apply for a provident fund loan to buy a house in any of the above cities.

Users pay Guangzhou Provident Fund. If they want to get a loan to buy a house in Foshan, they can apply for a loan directly at the Foshan Provident Fund Center. There is no need to go through other procedures.

3. Can Guangzhou’s Provident Fund take a loan to buy a house in Foshan?

Legal analysis: Guangzhou’s Provident Fund can buy a house in Foshan. It is a provident fund loan in another place. However, an important condition for the purchase is that the home buyer or the home buyer's spouse is a Foshan local, works in Guangzhou and pays the housing provident fund, and can go to Foshan to buy a house with a loan. The process of buying a house with a loan in another place: 1. Before taking a loan, consultation should be done at the beginning. If the home buyer takes out a provident fund loan, off-site loans are particularly important. You should consult to find out whether it is possible to obtain a loan from another place. If so, what materials should be prepared and what conditions should be met before the loan can be obtained. 2. If you can get a loan from another place, you can submit a request to the local provident fund unit, and the relevant personnel will review the information submitted by the applicant. Determine whether the information materials provided by the applicant are true and credible. If approved, a certificate of use of a remote loan will be issued to the home buyer. 3. Applicants bring their ID cards, house purchase agreements, and supporting documents to the provident fund unit where they are located, and submit all the information to the staff, who will review all the information to determine its accuracy and completeness. After there are no problems in the review, you can apply for a provident fund loan, and then you only need to repay the loan on time.

Legal basis: Article 24 of the "Housing Provident Fund Management Regulations" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling a self-occupied house; (2) ) Retirement or retirement; (3) Completely losing the ability to work and terminating the labor relationship with the employer; (4) Leaving the country to settle; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income . In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.

4. Can Guangzhou Provident Fund get a loan to buy a house in Foshan?

Can I buy a house in Foshan? An important condition for the housing provident fund in another place is that the home buyer or the buyer's spouse is a local in Foshan, works in Guangzhou and pays the housing provident fund

The process of buying a house with a loan in another place:

1. Loan Before that, consulting work should be done initially. If the home buyer takes out a provident fund loan, off-site loans are particularly important. You should consult to find out whether it is possible to obtain a loan from another place. If so, what materials should be prepared and what conditions should be met before the loan can be obtained.

2. If the local provident fund unit submits a request, the relevant personnel will review the information submitted by the applicant. Determine whether the information materials provided by the applicant are true and credible. If approved, a certificate of use of a remote loan will be issued to the home buyer.

3. Applicants should bring their ID cards, house purchase agreement fee units, and submit all information to the staff to ensure that all information is complete. After the review is complete, you just need to repay the loan on time.

Legal basis: Article 24 of the "Regulations on the Administration of Housing Provident Fund" The storage balance in the housing provident fund account of employees who have one of the following circumstances:

(1) Purchase, construction, Renovating or overhauling self-occupied housing

(2) Retired or retired; (3) Terminating the labor relationship with the employer;

(4) Leaving the country to settle down

(5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeds the prescribed proportion of family wage income.

According to the provisions of items (2), (3) and (4) of the preceding paragraph, withdraw the employee housing provident fund account.

If an employee dies or is declared dead, the employee’s heirs and legatees can withdraw the balance in the employee’s housing provident fund account; if there is no heir or legatee, the balance in the provident fund account will be included in the housing provident fund. value-added income.