As for people who buy a house in Qingdao after paying the provident fund in different places, only citizens who pay the provident fund in Shandong Province can get loans from the provident fund in Qingdao. However, according to the latest policy, since May 20 16 1 day, the loan policy in different places in the province has been relaxed to the whole country. The main depositor who is registered in Qingdao and has paid the provident fund in other cities in the country can use the housing provident fund loan to buy a house in Qingdao.
The relaxation of the policy scope of provident fund loans in different places is mainly to implement the requirements of the Ministry of Housing and Urban-Rural Development and meet the liquidity needs of employees to pay in their places of employment and buy houses in their places of origin. With the increasing cross-regional mobility of employees, the relaxation of the loan policy in different places in this city can provide more policy support for Qingdao citizens who have paid provident fund in other cities to buy houses in this city, which is conducive to promoting the stable development of the real estate market.
In addition, in order to ensure the convergence of loan business in different places and prevent the risks brought by repeated loans, it is necessary to meet certain conditions before applying for provident fund loans in Qingdao after depositing provident fund in different places. Those who have applied for provident fund loans in other places need to prove that the original provident fund loans have been settled and meet the conditions for applying for secondary provident fund loans in Qingdao. To apply for provident fund loans for the first time, you need to provide proof that there is no loan record.
Conditions:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.