Can I apply for a loan in Xianyang if I pay the provident fund in different places?
You can't. If the deposit place of the provident fund is not within the administrative division of Xianyang, you can't apply for Xianyang provident fund loan. According to the "Detailed Rules for the Implementation of Personal Housing Provident Fund Loans in Xianyang City", employees are not allowed to apply for loans in different places when buying houses in non-paid or non-registered places.
If the place where the provident fund is deposited is not within the administrative division of Xianyang, and the place where the spouse is deposited is in Xianyang or one of the spouses is registered in the administrative division of Xianyang, if the house is purchased within the administrative division of Xianyang, you can normally apply for loans from different places, and vice versa.
The latest notice of the Municipal Housing and Urban-Rural Development Bureau (xianyang.gov.cn) on Xianyang real estate.
Has Xianyang launched a "business-to-public" loan
Not yet online (as of August 20021,it will be updated in time if there is any change).
Xianyang has not yet launched the "business-to-business" loan business. At present, the personal loan interest rate of Xianyang housing provident fund is still at a high level, and the demand for funds just needed to buy a house is still strong, and the liquidity of funds is becoming more and more tense. Therefore, the "business-to-business" loan business will not be carried out for the time being.
The combination loan business of "provident fund+commercial loan" in our city has been included in the list of "doing practical things for the people", and our center is fully implementing it. At present, it is still in the stage of research and discussion, and it can be officially opened after the specific process and implementation plan are determined and submitted for approval according to procedures.