On 20 15, 15, the Ministry of Housing and Urban-Rural Development issued the Notice of the Ministry of Housing and Urban-Rural Development on Relevant Operational Issues of Individual Housing Loans from Housing Provident Funds in Different Places, which clarified the division of responsibilities and handling procedures of provident fund loans in different places, and required the urban provident fund management departments to issue relevant detailed rules in time. Daming county, Henan Province, has opened the policy of off-site provident fund loans, which can be used to buy houses locally.

I. Application conditions

1. The applicant must purchase a self-occupied house in our city and be the owner or owner of the house purchased.

2, the applicant must be normal and full deposit housing provident fund for more than six months.

3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid)

4 to provide the guarantee procedures approved by the city housing provident fund management center.

5. Meet other conditions for housing provident fund loans.

Second, the application materials

1, the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (Require both husband and wife to provide housing provident fund in different places; Original 1 copy, kept by the center, and the voucher format is provided by the housing provident fund management center of our city)

2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (One original and one copy, with a copy of the original inspection)

3. Other information is the same as the normal housing provident fund loan.

Third, the handling process

1, ask for the form. Loan applicants can consult and obtain the deposit certificate of housing provident fund at our housing provident fund business outlets, or download it from our housing provident fund website.

2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.

3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.

4. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit.

5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans.

Regulations on the administration of housing provident fund

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 the housing provident fund management center.