The Ministry of Housing and Urban-Rural Development and other relevant three ministries and commissions have issued policies requiring employees to deposit provident funds in different places for mutual recognition and promote the loan business in different places. After the relevant rules are finally promulgated, if the depositor of the provident fund needs a loan to buy a house in a different place, he only needs to apply for a written certificate from the provident fund of the deposit city, and he can successfully apply for the loan. Urban provident fund deposit management needs to be responsible for reviewing the deposit and loan situation of employees, issuing written certificates to the depositor's urban provident fund loan management and verifying the depositor's relevant information. Provident fund management and loan entrusting banks in loan cities are responsible for consulting, accepting, reviewing, issuing, recovering, changing and post-loan management of loans in different places, and bear loan risks. Urban provident fund loan management institutions and urban provident fund deposit management institutions should regularly check the loan situation in different places, and master the withdrawal, repayment, change and overdue situation.
2. Can the housing provident fund loan to buy a house in different places across the country?
Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan Province, Urumqi, Guiyang, Xining, Hangzhou, Yinchuan, Xiamen and Fuzhou have realized loans from different places nationwide, that is, employees who have paid their provident fund in other provinces and cities in China can apply for provident fund loans to buy houses in this place 18. Among them, Hangzhou and Yinchuan expanded the scope of off-site loans from the province to the whole country, and Xiamen and Fuzhou were the first cities to implement off-site loans.
Inter-provincial loan regions or cities
The four cities of Wuhan, Changsha, Nanchang and Nanning only aim at some cities outside the province, and implement mutual loans of housing provident funds in different places.
Loans from different provinces and regions
Qingdao (execution time: June1-May 3 1), Shenyang, Changchun, Jinan, Luoyang, Hefei (mutual loan with Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei), Xi, Kunming and Lanzhou have realized loans in different places in the province, that is, they have deposited their provident funds in other cities in these provinces, and can do so here.
Five cities have not realized the loan of provident fund in different places.
Five cities, including Nanjing, Suzhou, Zhengzhou, Dalian and Hohhot, have not yet realized the loan business of provident fund in different places.
3. Can the housing provident fund lend money to buy a house in a different place?
Suppose Mr. Wang, a citizen of City A, paid the provident fund in City A and now works in City B, so he needs to buy a house in City B and use the provident fund mortgage loan. First of all, you can consult the B city provident fund management, and the provident fund management will inform the materials needed for the loan at one time; Next, I went to the A City Provident Fund Management Office to apply. After the examination and confirmation, I met the loan qualification. The A City Provident Fund Management Office issued a certificate of deposit and use of housing provident fund for employees who had borrowed it. With this proof, Mr. Wang Can successfully applied for provident fund mortgage loan in City B.
The above is the relevant answer to whether the housing provident fund we shared with you can borrow money from different places to buy a house. In recent years, the problem that the provident fund deposit in different places cannot be loaned has been puzzling some depositors whose jobs are transferred at any time. In this case, it is a pity that the funds of the provident fund are deposited in large quantities and idle in vain, which is even more troublesome for depositors. It is also a greater waste for the country! So now is the best result, not only benefiting the people but also benefiting the country!