First, the loan object

Employees of non-municipal housing provident fund management center who purchase self-occupied ordinary housing within the administrative area of Xi and meet the application conditions of housing provident fund loans in our city.

Xi housing provident fund management center deposits employees to apply for provident fund loans when they purchase houses in other places, and it is implemented in accordance with the housing provident fund loan policy of the housing provident fund management center where the house is purchased.

Second, the application conditions

Workers who have paid the housing provident fund under one of the following two circumstances may apply for loans from different places:

(1) The applicant or spouse has an Xi account (original and photocopy provided);

(2) The applicant or spouse has been working or living in Xi for a long time (tax payment certificate or social security certificate or residence permit in Xi for more than one year is required).

Extended data

In order to implement the requirements of the Notice on Developing Personal Housing Loan Business of Housing Provident Fund (J.Z. [20 14] 148), promote the loan business of housing provident fund in different places, support the demand of paid employees to buy houses in different places, and protect the rights and interests of paid employees, the relevant issues are hereby notified as follows:

I. Division of responsibilities

(a) the deposit city provident fund center (including sub-centers, the same below) is responsible for reviewing the employee deposit and loan situation, issuing a written certificate to the loan city provident fund center, and cooperating with the loan city provident fund center to verify the relevant information.

(two) the loan city provident fund center and the entrusted bank are responsible for the business consultation, acceptance, review, issuance, recovery, change and post-loan management of loans in different places, and bear the loan risks.

(three) the loan city provident fund center and the deposit city provident fund center should regularly check the loan situation in different places, and master the withdrawal, repayment, change and overdue situation.

Second, the handling process

(a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time.

(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.

(3) After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center.

If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.

(four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.

(5) In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.

Reference: Ministry of Housing and Urban-Rural Development? Notice on developing individual housing loan business of housing accumulation fund? 、

Baidu encyclopedia? Provident fund loan in different places