First look at whether your unit pays at the provincial or municipal level, and go to the corresponding local provident fund management center to handle it!

Second, how to use provident fund loans to buy a house

I can get a loan.

Third, how to handle housing loans in different places?

If you can buy a house with a provident fund loan in a different place, the loan process for purchasing a house with a provident fund in a different place is as follows:

1. If an employee or his/her client uses a provident fund loan to purchase a house, he/she shall apply to the municipal provident fund deposit center and verify the employee's deposit of the loan according to the employee's application;

2 after verification, 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.

Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Article 26

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 Sun Qiao Housing Provident Fund Management Center.

Provident fund loans to buy a house, but what should I do if I resign?

1. If the party concerned still works in the place where the provident fund is located after leaving the company, the original unit provident fund account will be merged with the new unit account;

2. However, if the party concerned goes to work in a foreign country after leaving the company, and the foreign work unit has established a housing provident fund account, all the funds in the local provident fund account can be transferred to the foreign housing provident fund account.

Fourth, how can the provident fund borrow money to buy a house?

As long as the following provident fund loan conditions are met, you can buy a house.

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full.

2, continuous normal deposit housing provident fund for more than twelve months.

3. Purchase and build self-occupied houses within the administrative area, and have paid the purchase price above the prescribed down payment ratio.

4. Personal credit is good, with stable economic income and the ability to repay the loan principal and interest.

5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Housing accumulation fund extraction process:

1. First of all, you need to provide your real ID card and its copy, and you need to provide different corresponding supporting materials according to different purposes of withdrawing housing provident fund. Then you need to go to my unit to collect and fill in the conditions for the withdrawal of housing provident fund to determine whether the submitted certification materials are true and legal.

2. The second step is to open an account with the above-mentioned documents, application forms and corresponding supporting materials at the housing provident fund management department where employees have paid the provident fund.

3. Step 3: After being audited by the local housing provident fund management department, confirm whether your situation meets the conditions for housing provident fund withdrawal and whether the submitted certification materials are true and legal.

4. If the documents you provide are incomplete, you need to apply for a supplement as soon as possible; If your application conditions are met, your personal information is filled in correctly, and your identity is true, the provident fund management center will allow your withdrawal requirements and inform you to go through the payment procedures at the corresponding bank. If you don't have the application conditions, the provident fund management center will also inform you, and will also inform you in the notice the specific reasons why you can't withdraw the housing provident fund.

5. Under normal circumstances, after you apply for the withdrawal of housing provident fund, the housing provident fund management center needs to complete the review within 3 working days from the date of your application and will inform you of the result as soon as possible.

6. If your application is audited by the housing provident fund management department, you need to provide the personal savings account number of the designated bank, and the housing provident fund management department will handle the withdrawal procedures of the housing provident fund.

7. After completing the procedures for withdrawing the housing provident fund, the housing provident fund management department will transfer the amount you applied for to the account you provided, and then you can withdraw the housing provident fund by going to the bank with your bank card.