1. Is the application for provident fund loans from other places suspended now?

Expand all Guangzhou can still accept provident fund loans from other places

2. The application for provident fund loans from other places is still frozen. How about turning around?

According to the latest national policy, provident funds can be withdrawn from other places. However, the situation varies from place to place, so you need to consult the local provident fund center.

The Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the Central Bank jointly issued the "Notice on the Development of Housing Provident Fund Personal Housing Loan Business", requiring all localities to relax the conditions for provident fund loans. From now on, employees who have paid continuously for 6 months can apply for provident fund loans. , and for the first time clearly stated that provident funds will achieve mutual recognition in different places. On September 21, 2015, the Ministry of Housing and Urban-Rural Development published on its official website the "Notice of the Ministry of Housing and Urban-Rural Development on Operational Issues Concerning Housing Provident Fund Off-site Personal Housing Loans" signed on September 15, 2015 (hereinafter referred to as the "Notice").

The "Notice" clarifies that the housing provident fund off-site personal housing loan processing process is:

1. The loan city provident fund center accepts employees' off-site loan business consultation and informs the loan requirements at one time Review materials;

2. The employee himself or his client submits an application to the city provident fund payment and deposit center. The city provident fund payment and deposit center will verify the employee's deposit and loan status based on the employee's application. For individuals who have not used the housing provident fund, Employees whose housing loans or first-time housing provident fund personal housing loans have been settled shall issue the "Certificate of Housing Provident Fund Payment and Use of Employees with Off-site Loans";

3. After the Loan City Provident Fund Center accepts the employee's application for off-site loans, Verify the authenticity and completeness of the information in the "Certificate of Payment, Deposit and Use of Housing Provident Fund for Employees with Off-site Loans" with the City Provident Fund Payment and Deposit Center.

4. If the personal housing provident fund account of the depositing employee is transferred during the loan repayment period in another place, the original paying city provident fund center should promptly notify the lending city provident fund center and the transferred city provident fund center.

5. The transfer to the urban provident fund center should promptly re-identify and record the off-site loan status after receiving the employee housing provident fund account.

3. If the provident fund relationship is severed in another place, can the provident fund paid before still be used?

Hello, the provident fund can be used for loans in other places. For details, you can call the provident fund customer service hotline 12329 for consultation

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Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident ID cards of the borrower and his spouse;

3. Proof of the borrower’s marital status;

4. Proof of down payment for house purchase;

5. Credit status report of the borrower and his spouse printed by the bank;

6. A house sales contract or agreement that complies with legal provisions.

Conditions for applying for housing provident fund:

1. The individual and the employer must pay the housing provident fund continuously for one year;

2. The borrower has a stable economic income , good credit, and the ability to repay the principal and interest of the loan;

3. The borrower who purchases a commercial house must have a total house price of no less than 30.

Housing provident fund application process:

1. The lender prepares relevant information, fills out the loan application at the bank, and submits the materials;

2. The lending bank receives After application, the information will be confirmed and reviewed;

3. After review, the lending bank will contact the lender and sign the relevant contract;

4. The bank will grant the loan and the lender will fulfill its repayment obligations.

The above answers are provided by Ronglian Weiye, please refer to them.

4. What to do after the suspension of off-site provident fund loans? Will they still be open?

1. First, after study and approval by the Housing Provident Fund Management Committee, off-site provident fund loans will be resumed in a timely manner. 2. Secondly, it will be announced to the public at the same time and will be opened again. 3. Finally, there is the solution after the suspension of provident fund loans in other places, so be sure to worry about it.