Provident fund loans Some cities can borrow money from different places, because the provident fund has not yet achieved national interoperability, and only some interconnected cities can borrow money from different places. Lenders can consult the local provident fund management center to confirm the loanable cities of the local provident fund before applying for provident fund loans.
Steps of provident fund loan in different places
1, consult the provident fund center.
The policy of off-site provident fund loans is not national in nature, so it is best for buyers to consult the provident fund centers in the two places first, especially to know the provident fund centers in the city where they buy houses and the materials they need, and then ask if they can meet the requirements.
2. Submit the application for provident fund loan.
After it is determined that the provident fund can be loaned in different places, the purchaser applies for the provident fund loan, and the provident fund center verifies the employee's situation according to the application, and issues certificates for the deposit and use of the housing provident fund for eligible employees with loans in different places.
3. Verify information and issue loans.
After receiving the application, the loan city provident fund center will go to the city provident fund center where the purchaser paid the provident fund to verify whether there are any problems with the application certificate and other materials submitted by the employees. If there is no problem, it will approve the loan and feed back the deposit of the city provident fund before issuing the loan.
Three situations of provident fund loans in different places
1, provincial provident fund loans from different places
Many cities are spending off-site provident fund loans in the province. Different places in the province means that in the same province, the provident fund is paid in city A and loans are made in city B, such as Luoyang, Lanzhou, Kunming and other cities. Property buyers can buy houses in these cities and use them across cities.
2, the national provident fund loans in different places
All over the country, cities in different provinces use provident fund loans to buy houses, but few cities support national provident fund loans, only Qingdao and Shenzhen. If property buyers want to use it, they must understand the policies of various cities.
3. Inter-provincial provident fund loans in different places
Inter-provincial provident fund loan means that employees pay provident fund in their work units and return to their registered permanent residence to buy houses. At present, there are not many cross-provincial provident fund loans, and provincial capitals such as Nanning can support them.
Can I apply for a loan from another place for housing provident fund?
You can apply for housing provident fund loans in different places.
1. You can apply for housing provident fund personal housing loan after paying the housing provident fund in full for more than 6 months. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place.
2. The housing provident fund lender is a paid employee who purchases the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Workers' families who pay for the third and above houses cannot issue housing provident fund loans.
3. Cities with districts where the individual housing loan issuance rate of housing provident fund is less than 85% should consider appropriately increasing the first set of self-occupied housing loans according to the local commodity housing price and per capita housing area.
4. Employees must hold the deposit certificate issued by the housing provident fund management core in the place of employment, and apply for the housing provident fund personal housing loan to the housing provident fund management core in the place where the household registration is located.
Extended data:
Apply for provident fund loan
1, business consulting
In view of the different loan business in different cities, employees should consult the provident fund management core of the city where they are located when handling the loan business in different places, and the provident fund management core will inform the loan review materials at one time.
Step 2 submit an application
The employee himself or his client applies to the urban provident fund deposit core, which verifies the deposit of employee loans according to the employee's application, and issues certificates of deposit and use of housing provident fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
Step 3 verify information
After accepting the employee's application for off-site loan, the core of the loan city provident fund shall verify the authenticity and completeness of the information in the use certificate of the employee's housing provident fund for off-site loan. If it is verified to be correct, it shall go through the loan examination and approval procedures within the prescribed time limit and feed back the results to the core of the deposit city provident fund.
4. Identify and record the loan situation.
If the personal account of the housing provident fund changes during the repayment of loans by paid employees in different places, the core of the original urban provident fund deposit shall promptly inform the core of the loan urban provident fund and transfer it to the core of the urban provident fund. After receiving the employee housing provident fund account, the core of urban provident fund should re-identify and record the loan situation in different places in time.
Step 5 repay the loan
In loans overdue, the urban provident fund deposit system should cooperate with the core of the urban provident fund to carry out loan collection and other work, and deduct the balance of the loan employee's provident fund account to repay the loan according to the loan contract.