It means that if you pay the housing provident fund in any city in the country, you can apply for a provident fund loan to buy a house back to your domicile.

But the reality is that only a few cities nationwide support housing provident fund loans, and most cities still do not. At present, the supported cities are: Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan, Urumqi, Guiyang and Xining.

At present, the cities that do not support provident fund loans in different places are: Nanjing, Suzhou, Zhengzhou, Dalian, Xiamen, Fuzhou and Hohhot.

Extended data:

Inter-provincial housing provident fund loans

It means that you can apply for the housing provident fund paid in your work unit and return to your domicile, even if your work unit and domicile are in two provinces respectively.

For example, if the housing provident fund paid in Wuhan is registered in Changsha, can you buy a house in Changsha?

The cities currently supported are: Wuhan, Changsha, Nanchang and Nanning. Among them, Nanning and Guangxi and other 2 1 provinces (autonomous regions) directly managed provident fund centers realize loan intercommunication, and can purchase houses in the other provincial capital cities, regardless of household registration.

Therefore, according to the city's support policies, it is definitely possible.

Inter-city loans from different provinces and regions

Consciously refers to the fact that employees' household registration was originally in the loan city, but they only worked in other cities in the province and paid the provident fund. When they return to their domicile to buy a house, they can apply for provident fund loans in different places.

At present, the supported cities are: Hangzhou, Qingdao, Shenyang, Changchun, Jinan, Luoyang, Xi 'an, Kunming, Yinchuan, Lanzhou and Hefei (mutual loans with Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei). However, Changchun, Qingdao, Luoyang and Kunming require applicants to have local household registration, while Yinchuan requires applicants to be non-farmers in Ningxia.

Of course, if you have paid the provident fund in many cities, but you can't get a loan from another place, you can go through the transfer formalities at the housing provident fund management center first, and then apply for a loan after merging the provident fund accounts.

Provident Fund loan process

Step 1: Loan consultation:

A. Are housing provident fund loans allowed in different places?

B.what are the requirements

C. what materials are prepared?

Step 2: Apply for a loan (to the management center of the city where the housing provident fund is deposited).

A. submit an application for a loan from a different place;

B. Confirm whether the application information is true (confirmed)

C, issue certificates of deposit and use of housing provident fund for employees with loans from different places.

Step 3: Submit the materials

A. Go to the municipal provident fund management center where the loan is applied (with ID card, house purchase contract, certificate of loan use in different places, etc.). ).

B. The management center of the city where the housing provident fund is deposited will identify the loan situation in different places (identify the loan situation in different places; Establish a detailed ledger of off-site loans)

Step 4: Apply for a loan.

Need to repay on time: deposit in the urban provident fund management center and cooperate with the provident fund center in the loan area to urge repayment.

A. the data is approved;

B. Go through the loan formalities (provident fund center applies for a loan)

C. Lending (provident fund center applies for loans).

Of course, you can't borrow a loan from a different housing provident fund if you want to borrow it. Some have requirements on deposit time, while others have requirements and suggestions on household registration. Be sure to ask before the operation to avoid unnecessary trouble.