The provident fund handed in by Wuhan can be loaned in different places, but this requires the loan city and Wuhan to sign a mutual recognition and loan agreement for the provident fund. If the provident fund between the two cities does not realize mutual recognition and mutual loans, it is basically impossible to apply for loans from different places. In this case, the accumulation fund handed in by Wuhan can be transferred, and then the local accumulation fund can be paid slowly to obtain the loan qualification, so as to apply for more loan quotas in future loans.
What are the operating procedures for buying a house with a loan from a provident fund in different places? 1. Loan City Provident Fund Center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time.
2. The employee himself or his client applies to the urban provident fund deposit center, and the urban provident fund deposit center verifies the loan paid by the employee according to the employee's application. For the paid employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will be issued with the Certificate for the Use of Housing Provident Fund Foreign Loan Deposit.
3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the certificate of deposit and use of the employee's housing provident fund for off-site loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit in the city provident fund center to find out the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
4. If the individual account of the housing provident fund is transferred during the loan repayment period, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in time after receiving the employee housing provident fund account.
5. In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.