If you buy a house in a different place in full, you can apply within two years after paying the house price, and then withdraw it once every six months until the withdrawal amount reaches the actually paid house price.
If you use a loan to buy a house in a different place, you can apply for withdrawing the provident fund to repay the loan principal and interest during the repayment period, and then withdraw it once every six months until the total amount of the housing provident fund withdrawn reaches the sum of the actual down payment and the repaid loan principal and interest.
The specific withdrawal process is as follows: employees who meet the conditions for withdrawal of provident fund go to the bank where the housing provident fund is opened to collect and fill out the withdrawal application form, and go to the bank to go through the audit procedures with relevant certification materials. After the first examination and approval, the deposit bank will issue the Registration Certificate of Housing Provident Fund Extraction, and employees can go through the extraction procedures with the Registration Certificate of Housing Provident Fund Extraction in the future.
Advantages of housing provident fund loans
1, which increases the financing channels for employees who pay housing provident fund to solve housing problems through housing provident fund loans;
2. The lower loan interest rate improves the employees' ability to pay for buying houses;
3. The cost of housing provident fund loans is lower than that of commercial housing loans;
4. After paying off the loan, you can apply for a housing provident fund loan again and the preferential policies remain unchanged;
The loan can be repaid in advance, and there is no need to pay a fine.
Housing provident fund loan process
I. Consultation of loan applicants
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan, and prepares the relevant materials for the housing provident fund loan.
Second, the preliminary inspection and evaluation
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.
4. If the house purchased by the loan applicant needs to be evaluated according to the regulations, the staff of the loan handling department will also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for mortgage evaluation at the evaluation institution designated by the Beijing Housing Provident Fund Management Center.
Three, the loan applicant waiting for telephone notification.
Four. The loan applicant signs the relevant contract.
1. According to the interview time notified by telephone, the loan applicant will go to the loan handling department for signing the contract with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.
2. The loan applicant, the co-applicant, the mortgagor and the pledger shall complete the signing procedures of the loan contract and other relevant contract documents under the guidance of the staff of the loan handling department.
Verb (abbreviation for verb) bank loan
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.
VI. Monthly repayment
The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.
It is impossible to apply for a provident fund loan to buy a house in a different place now, so if you want to buy a house in a different place, you should also consider this factor and make a decision after understanding the cost.