Hello! At present, housing provident fund loans temporarily do not support off-site loans.
Second, can the off-site provident fund loan to buy a house in Jining?
Hello! At present, housing provident fund loans temporarily do not support off-site loans.
Third, can the off-site provident fund loan to buy a house in Jining?
As far as I know, it shouldn't. Provident funds can only be used in the same city, not in different places.
Fourth, can the provident fund in different places buy a house with a loan in Jining?
At present, only some provinces and cities have opened off-site provident funds!
1, eight cities in the Pearl River Delta
As early as April 2009, eight cities in the Pearl River Delta have implemented mutual loans of housing provident funds in different places. The provident fund management centers in Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, Dongguan and Zhaoqing signed the mutual loan agreement of the eight cities. 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. As for the down payment ratio, loan amount, years, etc. , all follow the existing regulations. In which city, according to the provisions of which city loans.
2. Nanning and Liuzhou
In 2009, employees in Nanning and Liuzhou can apply for individual housing provident fund loans "across the city".
According to the regulations, when employees who have paid the housing provident fund in full and normally in Liuzhou buy houses in Nanning, they can apply for individual housing loans of housing provident fund in Nanning Housing Provident Fund Management Center with the housing provident fund deposit and loan certificate issued by Liuzhou Housing Provident Fund Management Center, and vice versa. At the same time, it is stipulated that employees who have paid the housing provident fund normally and in full in other cities in Guangxi can apply for housing provident fund loans to Liuzhou Housing Provident Fund Management Center with the housing provident fund deposit and loan certificate issued by Liuzhou Housing Provident Fund Management Center when buying a house, and Liuzhou Housing Provident Fund Management Center will accept it according to the provisions of Liuzhou Housing Provident Fund personal housing loan policy.
Due to the rapid increase of loans and insufficient funds, this measure has only been implemented for half a year.
3. Six cities in Anhui Province
On August 20th this year, the Housing and Construction Department of Anhui Province issued a new announcement, proposing five measures. One of them is to carry out loans in different places in the province.
According to this regulation, employees who pay housing provident fund can choose to apply for housing provident fund loans at the place where the housing provident fund is paid or where the house is located. For example, citizens who pay the provident fund in Huaibei and buy a house in Hefei can apply for provident fund loans in Huaibei or Hefei. At present, six cities, namely Hefei, Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei, have issued detailed rules for landing, making it clear that provident fund loans between these cities and other cities in the province can be used for mutual loans.
4. Liaoning Province
Shenyang and other provinces 13 cities have fully opened the housing provident fund mutual loan business, that is, employees in other cities in the province can use the provident fund to buy houses in Shenyang, and enjoy the same treatment as Shenyang citizens' loans in terms of loan amount, loan conditions and loan interest rate; Employees in Shenyang can also use the provident fund to buy houses in other cities in the province and enjoy the same treatment as loans from local citizens.
5. Jilin
From July 2065438 to July 2004, Changchun citizens bought houses in different places in the province, and they could use their own Changchun provident fund account to borrow money to buy houses. The loan business of house purchase in different places in the province is specifically undertaken by the railway sub-center. If there is a railway central branch in the place where the house is purchased, the employee shall apply to the local railway central branch; If there is no branch of the railway sub-center in the place where the house is purchased, the employee shall apply to the railway sub-center.
6. Three Districts in Taizhou
Starting from May this year, as long as citizens who have paid the housing provident fund in Taizhou and newly purchased commercial houses in Jiaojiang, Luqiao and huangyan district, they can apply for housing provident fund loans at the location of their new houses.
Before buying a house, employees should first issue a certificate of loan from different places in the housing provident fund center where they paid, and at the same time bring the information needed for normal provident fund loans to our center for processing. After the provident fund management center has approved the relevant materials, it will issue loans together with the non-remote housing provident fund.
7.hunan
On August 1 1, Hunan Provincial Department of Housing and Urban-Rural Development issued "Opinions of Hunan Provincial Department of Housing and Urban-Rural Development on Promoting the Stable and Healthy Development of Hunan's Real Estate Market", clearly stipulating that foreign buyers can apply for provident fund loans.
Housing provident fund depositors who purchase self-occupied housing in other cities and states in the province other than the place of deposit may apply for housing provident fund loans from the housing provident fund management center where the house is purchased; If the tenant without housing rents the house for self-occupation, he can withdraw the housing provident fund to pay the rent, but the monthly withdrawal amount shall not exceed the monthly deposit amount of the housing provident fund.
8. Jiaozuo and Jiyuan
On June 27th, Jiaozuo City issued the Cooperation Agreement on Off-site Loan of Urban Housing Provident Fund between Jiaozuo City and Jiyuan City. Workers in Jiaozuo pay the housing provident fund in the housing provident fund management center where the cooperation agreement is signed. If you buy a self-occupied commercial house in Jiaozuo or Jiyuan, you can apply for a personal housing provident fund loan from the housing provident fund management center where the house is purchased.
The lender in different places must be the depositor of the housing provident fund in the city where the cooperation agreement is signed. When applying for a loan, it is required to deposit the housing provident fund in a normal, continuous and full amount for more than 6 months. Where a lender from a different place has applied for a housing provident fund loan at the place where the housing provident fund is deposited and has not yet settled, it may not apply for a loan from a different place. The longest loan period is 30 years, and the loan period shall not exceed the remaining working years of the borrower's statutory retirement age.
9. Luzhou
From July 1 day, employees who have paid housing provident fund outside the administrative area of Luzhou City can apply for provident fund loans when they buy self-occupied houses within the administrative area of Luzhou City. The implementation time of this regulation is limited to two years. In other words, if your provident fund was paid in a city other than Luzhou, you can now use the provident fund loan to buy a house in Luzhou.
Taiyuan 10
Employees who have continuously paid the housing provident fund for more than 6 months in Taiyuan, whether they are foreign or local accounts, can apply for provident fund loans from the municipal housing provident fund management center when buying houses in different places. When applying, you must provide a copy of the Commercial Housing Pre-sale Permit, the original commercial housing sales contract signed online, the original down payment receipt and other materials. As long as the materials are complete, the loan approval can be completed within 10 working days.
1 1, Shandong
As long as you have paid the provident fund for 16 months in other cities in Shandong Province, you can apply for a provident fund loan when you buy a house in Jinan.
Citizens who have paid the provident fund from other places need to bring the certificate provided by the local provident fund department to prove that their local provident fund loans have been paid off when applying for housing loans in Jinan. In addition, you need to bring your ID card, household registration book and a copy. The staff of the Provident Fund Center suggested that applicants should first consult the loan handling bank when handling new and second-hand housing loans. You can apply for a loan in Jinan when you pay the provident fund in other places, so can you apply in other places when you pay in Jinan? The reporter learned that at present, Shandong Province has not yet issued unified regulations, and the provident fund policies of various cities are different. At present, cities such as Zaozhuang can apply in different places. The staff of Jinan Provident Fund Center advised the public to consult the local management department before handling it.
12, Nanchang, Changsha, Hefei, Wuhan
Starting from 20 15, four provinces and cities in the middle and lower reaches of the Yangtze River officially began to provide off-site loans, and housing accumulation funds in Changsha, Hefei, Nanchang and Wuhan provided off-site loans.
20 15 17, Wuhan provident fund center announced the process of handling provident fund loans in different places. The main added service link of off-site loans is to fill in the loan application form at the deposit place first. For example, Changsha people pay the provident fund in Wuhan and want to buy a house with a loan from Changsha. First, they must fill out the loan application form at the Wuhan Provident Fund Center.
Shijiazhuang 13
Shijiazhuang people who work in other places can apply for individual housing loans to Shijiazhuang Housing Provident Fund Management Center with proof of deposit, deposit details and proof of no provident fund loan (stamped with the official seal of the housing provident fund management center of the place of employment).