First of all, some cities, such as Beijing, Shanghai, Chongqing, Hangzhou and so on. , has achieved nationwide housing provident fund loans in different places. Residents of these cities can apply to use their provident fund to borrow money to buy houses nationwide. Secondly, some areas only support loans from different places in the province, that is, the provident fund can only be used in cities in the province where the depositor's household registration is located. For example, Zhengzhou, Nanjing, Shenyang, Jinan and other cities have only realized loans from different places in the province. In addition, some cities have the policy of off-site loans, that is, the provident fund can be used off-site in several designated cities.
The repayment process of fund hedging is as follows:
1. Application: The borrower needs to bring his ID card, provident fund card and other related materials to the housing provident fund loan bank to apply. If both husband and wife have the same loan, they also need to provide marriage certificate and other relevant supporting materials.
2. Examination and approval: The bank staff shall conduct examination and approval according to the materials provided by the borrower.
3. Signing an agreement: The borrower needs to sign the Application for Early Repayment of Personal Loan, the Power of Attorney for Withdrawing Housing Provident Fund and the Power of Attorney for Applying for Housing Provident Fund Repayment. These documents clarify the borrower's willingness and specific operation methods to use the provident fund to hedge repayment.
4. Audit implementation: the housing provident fund loan bank will send the relevant materials to the municipal provident fund center for audit, and the qualified materials will be issued by the municipal provident fund center and sent to the account opening bank for deduction.
To sum up, provident fund loans can indeed be used in different places, but the specific feasibility and specific policies need to be determined according to the specific provisions of the deposit place and the purchase place.
Legal basis:
Regulations on the administration of housing provident fund
Article 15
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts. Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.