Yes, this situation belongs to the off-site provident fund loan. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:

1. Loan City Provident Fund Center accepts the consultation of employees' loan business in different places, and informs them of the materials needed for loan review at one time;

2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications. 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, a certificate of deposit and use of the housing provident fund for employees with loans from different places shall be issued;

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 Housing Provident Fund for Employees with 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. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;

4. During the loan repayment period, if the individual account of the housing provident fund is transferred, 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 a timely manner after receiving the employee housing provident fund account;

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. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment.

Materials required for applying for provident fund loans:

1. Commercial housing sales contract;

2. Identity cards, household registration books and proof of marital status of the applicant and spouse;

3. Work certificate and bank flow;

4. Down payment document (1 original inspection);

5 provident fund deposit certificate (or housing provident fund card);

6. Evaluation report of the purchased house;

7. Purchase contract signed by the buyer and the seller;

8. Real estate license and state-owned land use certificate under the name of the original seller (original and photocopy).

Two, the railway housing provident fund can not be loaned to the bank.

Generally speaking, the railway accumulation fund can only be used for withdrawal, loan, payment and other related businesses in China Construction Bank. This is because China Construction Bank has set up a personal provident fund account, and even the website house has not been established with other banks, so that the personal provident fund account managed by the railway provident fund can only withdraw the provident fund, and the loan can only be used in China Construction Bank.

However, although it belongs to China Construction Bank, it is managed in a unified way. You can also use the corresponding card at the counter of China Construction Bank.

3. Can the housing provident fund be directly borrowed from the bank?

You can't.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

4. Can I go to the bank for a loan if I have a housing provident fund?

Legal analysis: loans are available. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. That is to say, individual housing provident fund loan is a mortgage loan issued by local housing provident fund management centers, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to housing provident fund depositors who purchase, build, renovate and overhaul their own houses and retired employees who pay housing provident fund during their employment. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.