You can't. Provident fund loans can only be used locally; And it is not transferable. Now Jiangsu has a provident fund, which can be transferred within the province. In some parts of Liaoning, the provident fund can be used in several places. But with the provident fund, commercial loans are also a good choice. Now the interest on commercial loans will be even lower if they are discounted by 30%.

2. Can I use Shenzhen's provident fund to repay Huizhou's mortgage?

As we all know, the main buyers in Huizhou are Shenzhen customers, accounting for nearly 60% of the buyers. In 20 17, among the new housing markets in Shenzhen, Dongguan and Zhonghui, only Huizhou increased its supply, while Shenzhen, Dongguan and Zhongshan all declined. Huizhou's supply ranks first in 4 cities for 5 consecutive years!

In terms of residential transaction volume in Huizhou, Daya Bay 20 17 ranked first, becoming the only region with more than 30,000 units in a year! Huicheng District and Huiyang District followed closely, both exceeding 20,000 sets. Longmen county has the least, selling more than 6,000 sets.

Shenzhen customers are keen to buy a house in Huizhou, so they should have a certain understanding of Huizhou's housing policy.

To buy a house in Huizhou before 20 17, you must apply for a provident fund loan, and the application object must be Huizhou household registration. From 20 17 65438+ 10/01,foreign household registration can also apply for provident fund loans when buying houses in Huizhou, but it is only applicable to the purchase of owner-occupied houses, including the purchase of pre-sold commercial houses, existing houses and second-hand houses.

So, how to identify owner-occupied housing? This requires that the residence or work place of the purchaser or spouse is in the location of the purchaser. Give a chestnut: Zhang San's hukou is in Hunan, and people work in Shenzhen and pay the provident fund. Then Zhang San wants to buy a house in Huiyang and apply for a provident fund loan. The spouse's account or work place can only be applied in Huizhou.

The new policy also stipulates that those who build, renovate or overhaul their own houses, and those who change from business to public use, cannot apply for housing provident fund loans in Huizhou. In addition, the full monthly payment of the provident fund must be more than 6 months and continue to be paid normally, the credit status is good, there is no outstanding provident fund loan, and the ability to repay the principal and interest of the loan must meet the requirements before applying.

If it is normal for the two cities to repay the mortgage with the cross-regional provident fund, it will not work. The provident fund must be transferred to the city where the house is bought.

This is one of them.

Second, Shenzhen and Huizhou are the same. However, there is one problem. Sometimes the local government doesn't accept provident fund loans, and you don't have an account. For example, in Huizhou, many developers should not lend to the provident fund. Listen to friends.

Third, not all local policies have been used, and the purchase restriction is being implemented. In many cases, it is necessary to deposit local tax water and provident fund to be used locally. It's quite troublesome. I suggest asking the police station, bank or developer for details.

3. Can the provincial provident fund borrow money to buy a house in Huizhou, Guangdong?

Of course. According to the Notice of Huizhou Housing Provident Fund Management Center on Relevant Issues Concerning the Application for Housing Provident Fund Loans by Employees Deposited in Different Places:

1. When buying a house in Huizhou (subject to the signing date of the house purchase contract), employees who have paid in other places with Huizhou household registration can apply for housing provident fund loans in our city.

Second, employees who deposit in different places to apply for housing provident fund loans in our city can only be used to buy self-occupied housing, including the purchase of pre-sale commercial housing, ownership housing (existing housing) and second-hand housing. Construction, renovation, overhaul of self-occupied housing and commercial reconstruction can not apply for housing provident fund loans in our city.

Three, employees in different places to apply for housing provident fund loans in our city must comply with the "Huizhou housing provident fund loan measures" provisions of article eighth.

Fourth, employees from different places apply for housing provident fund loans in our city. In addition to submitting the corresponding materials specified by our center, it is also required to submit the Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans issued by the Housing Provident Fund Management Center where the employees deposit the housing provident fund.

Five, the application, acceptance, approval and issuance of employee loans paid in different places shall be handled in accordance with the relevant provisions of the "Huizhou Housing Provident Fund Loan Measures". Therefore, employees with provident fund in Shenzhen can use provident fund loans to buy houses in different places in Huizhou as long as they meet other conditions of housing provident fund loans in Huizhou.

Fourth, buy housing provident fund in different places. Excuse me, if you work in Shenzhen, you can buy Huizhou. ...

MPF cannot be bought or sold.

You can't use the provident fund when you buy a house in a different place.