According to relevant regulations, employees who purchase houses outside the city where the provident fund is deposited can go through relevant procedures in accordance with the provident fund loan policy of the place where the house is located. However, the provident fund loan policies in different cities are different, so it is necessary to know in advance whether the location of the house is allowed to handle the provident fund loan business in different places.

The purchase process of provident fund loan is as follows:

1. Conduct business consultation and ask whether it is allowed to apply for provident fund loans in different places locally, if so, what conditions are needed and what materials are prepared.

2. Submit an application for handling off-site loans to the management center where the provident fund is deposited, and the staff will confirm your application to see if the information you said is true. After confirmation, the staff will issue a certificate for you to deposit and use the housing provident fund for employees who have borrowed from different places;

3. Take ID card, house purchase contract, certificate of loan use in different places and other materials to the provident fund management center where the loan is applied, and submit the materials to the staff, who will review your materials to confirm their authenticity and integrity. At the same time, the management center where you deposit the provident fund will mark your off-site loans and establish a detailed account of off-site loans;

4. After the materials are approved, the provident fund center applying for the loan will handle the loan procedures for you and issue the loan to you. You need to repay on time, and the city's provident fund management center will also cooperate with the loan provident fund center to urge repayment.

To sum up, when using the housing provident fund to buy a house, it is necessary to pay attention to the fact that users who use the housing provident fund to buy a house have to pay for six months, and pay attention to preparing perfect information to facilitate the review of lending institutions; Pay attention to understanding qualifications and choose formal lending institutions; According to your own economic situation, decide whether to use provident fund loans or a combination of provident fund and commercial loans.

Legal basis:

Article 3 of the Regulations on the Management of Housing Provident Fund

The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.