There is a lot of pressure to buy a house. Many Dongguan people who work in different places were unable to use provident fund loans before, but now the new national provident fund loan policy is implemented, and Dongguan's provident fund loan is also under planning. At present, Dongguan allows employees with Dongguan household registration or spouses with Dongguan household registration to deposit loans in Dongguan. With the implementation of the comprehensive new policy of provident fund loans in different places, loans in different places will not be limited to household registration, and Dongguan people working in other places can also buy houses in Dongguan through provident fund loans in different places. In addition, buyers should pay attention to the fact that Dongguan Housing Provident Fund Center said that after the New Deal, it will focus on the credit reporting and repayment ability of employees who have paid in different places, and buyers can make their own considerations first.

Eight cities in the Pearl River Delta have implemented mutual loans of provident funds in different places.

In fact, as early as April 3, 20 0 9, the heads of provident fund management centers in Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, Dongguan, Zhaoqing and other places signed an agreement on mutual loan of provident funds in eight cities in Guangzhou. According to the agreement, starting from May 2009 1, people who have paid provident fund in these eight cities can apply for provident fund loans to buy houses in any city as long as they meet the conditions.

After the expiration of the agreement in May 20 13, cities did not renew it, but Dongguan, like other cities, still allowed mutual loans. Until the implementation of the "Measures for Personal Housing Provident Fund Loans in Dongguan" in May 20 15, Dongguan officially cancelled mutual loans in eight cities.

After the end of the eight-city mutual loan, Dongguan did not stop the off-site provident fund loans, but expanded the scope of off-site loans to the whole country, but added the premise that applicants must be registered in Dongguan. This actually narrows the scope of off-site loans. After all, not many Dongguan people who work in other places will buy a house in Dongguan. Property buyers mainly consider the needs of life. If they don't live in Dongguan, the estimate of buying a house is very small.

When will the full implementation of provident fund loans from different places land in Dongguan?

On September 30 this year, the Ministry of Housing and Urban-Rural Development issued the detailed rules for mutual recognition and loan of provident fund deposit in different places, which clarified the relevant processes of provident fund deposit and loan in different places. The implementation of the comprehensive new policy of provident fund loans in different places means that the threshold of loans in different places in Dongguan will be further relaxed, and loans in different places will no longer be limited to household registration. New Wan Ren can also buy a house in Dongguan through provident fund loans from different places.

When will the comprehensive loan of provident fund in different places land in Dongguan? "It is expected that the New Deal will be implemented soon, possibly within these two weeks." The relevant person in charge of Dongguan Provident Fund Center said that at present, the relevant policy adjustment work has solicited opinions from the member units and member units of the Management Committee, and related matters have been reported to the municipal government. The modification of related functions of the business system has entered the stage of testing and acceptance, and related business processes, work guides, leaflets, application materials, and New Deal training are progressing in an orderly manner as planned. The implementation of the comprehensive new policy of provident fund loans in different places means that the threshold of loans in different places in Dongguan will be further relaxed, and loans in different places will no longer be limited to household registration. New Wan Ren can also buy a house in Dongguan through provident fund loans from different places.

What are the requirements for applying for provident fund loans in Dongguan?

Dongguan Provident Fund Center: Buying provident fund in different places will focus on the repayment ability of employees who have paid in different places. At present, deposit information, housing information, etc. There is no national networking and no national integration of funds, which needs to be considered from the perspective of risk control. I believe that the policies provided by local deposit employees and foreign deposit employees will be different. Because the liquidity coefficient is used to calculate the loanable amount in Dongguan, I am not too worried about the liquidity of funds after the implementation of the loan policy in different places, but I will focus on the credit information and repayment ability of employees who have paid in different places. The liberalization of off-site loans is conducive to people from Shenzhen and other places buying houses in Dongguan. After all, the amount of provident fund deposit in Shenzhen, Guangzhou and other places may be higher, which is more in line with the needs of Dongguan and is very beneficial to Dongguan people working in other places. At present, the down payment of provident fund loans is low and the interest rate is also very low. Many property buyers want to use provident fund loans, but because of working in different places, they can't enjoy this discount. However, after the implementation of provident fund loans in Dongguan, buyers can buy houses in Dongguan more freely.

(The above answers were published on 20 15- 10-26. Please refer to the current actual purchase policy. )

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