1. Those who work in Bijie and Guiyang can use their provident funds to buy a house, but they must comply with the provident fund off-site loan policy of the Guiyang Provident Fund Management Center. The situation of provident fund off-site loans in different cities is also different. It has not yet been implemented uniformly across the country.

2. The process for handling provident fund off-site loans:

(1) The loan city provident fund center accepts employees’ off-site loan business consultation and informs them of the required review materials for the loan at one time.

(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, and provide personal housing loans for unused housing provident funds. Or for employees whose first personal housing provident fund housing loan has been settled, a "Certificate of Housing Provident Fund Payment and Use for Employees with Loans in Other Places" should be issued.

(3) After accepting the employee's off-site loan application, the Loan City Provident Fund Center shall verify the authenticity and completeness of the information in the "Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loans" with the City Provident Fund Payment and Deposit Center. If the verification is correct, the loan review and approval procedures should be completed within the specified time limit, and the results should be fed back to the city provident fund center. The urban provident fund deposit center identifies employees' off-site loans and establishes a detailed account of employees' off-site loans.

(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. The transferred urban provident fund center should re-identify and record the off-site loan status in a timely manner after receiving the employee housing provident fund account.

(5) When an off-site loan becomes overdue, the city provident fund deposit center should cooperate with the lending city provident fund center to carry out loan collection and other work. According to the loan contract, the balance of the loan employee provident fund account can be deducted to repay the loan.

3. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the People's Bank of China jointly issued the "Notice on the Development of Housing Provident Fund Personal Housing Loan Business." The new policy mainly includes that employees who have paid the housing provident fund in full for more than 6 months (inclusive) can apply for personal housing loans from the housing provident fund. The loan targets the payment of the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Save employees.