Yes, this situation belongs to the common reserve in different places.

The Ministry of Housing and Urban-Rural Development clearly stipulates that the loan of provident fund in different places shall be handled according to the following procedures: the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the loan demander to submit an application to the deposit city provident fund center at one time, and the provident fund center verifies the deposit of loans by employees according to their applications.

For the paid employees who have not used the housing provident fund personal housing loan or the housing provident fund personal housing loan has been settled, a certificate for the use of the employee housing provident fund paid by the loan from different places shall be issued.

The loan city provident fund center accepts the application center for employees' off-site loans and verifies the authenticity and completeness of the information in the Certificate of Deposit and Use of Off-site Loans.

If it is verified, it shall go through the examination and approval procedures and feed back the results to the Municipal Provident Fund Center. Detailed ledger of off-site loans of employees deposited in the municipal provident fund center.

During the repayment period of employee loans paid in different places, if the original place of housing deposit is in the city provident fund center, it shall promptly inform the loan city provident fund center. City provident fund center should receive the transfer of employee housing provident fund accounts, timely loans to different places.

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, and use it to repay the loan according to the balance of the loan account.

Under what circumstances, housing loans from different places will not be approved:

First, different places in the province.

Loans in different places in the province refer to employees whose household registration was originally in the loan city, but only worked in other cities in the province and paid the housing provident fund. When they return to their registered residence to buy a house, they can apply for a loan from another place. At present, most cities support provincial provident fund loans in different places, and some cities include Luoyang, Lanzhou, Kunming, Hefei and Ningbo. Therefore, property buyers can apply for consultation on whether they can get loans from different places.

The second is the national provident fund loan in different places.

The national provident fund loan in different places means that employees who have paid the housing provident fund in any city in the country can go back to their domicile to apply for the housing provident fund loan in different places. Provident fund loans from different places, there are few cities without household registration restrictions, and the policies between cities are different. Cities with limited household registration include Beijing, Guangzhou, Shenzhen and Qingdao.

The third is cross-provincial provident fund loans.

Inter-provincial provident fund loan means that employees can apply for provident fund loans to buy a house if they are registered permanent residence, even if their work place and registered permanent residence are in two provinces respectively.

2. I have paid the provident fund for six months in Luoyang and paid it to 500 yuan every month. How much can I borrow?

Borrow a lot

Let's see what others say.

3. How much can Luoyang off-site provident fund borrow?

Single housing provident fund loan amount: from July 13, 2020, the maximum amount of personal housing loan granted by a single employee to a family is 450,000 yuan; The maximum amount of individual housing loans issued by dual employees to families is 550,000 yuan; For the high-level talents recognized by our city, the loan amount is not limited by the time of deposit and the balance of personal account, and the maximum amount does not exceed 6,543,800 yuan.

4. How to calculate the loan amount of Luoyang Provident Fund in 2022?

The loan amount of Luoyang Provident Fund is calculated as follows: 1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million; 2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status; 3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans; 4. The loanable amount of employee housing provident fund is calculated according to the average monthly balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to the nearest thousand. If the calculation result is higher than 500,000 yuan, it shall be determined as 500,000 yuan, and if it is lower than 654.38 million yuan, it shall be determined as 654.38 million yuan. The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding one-time payment for nearly 12 months) when the employee applies for a loan. If it is less than 12 months, it shall be calculated according to the actual number of months. The process of provident fund loan is as follows: 1. The borrower submits personal application materials to the entrusted bank window in the loan service hall; The specific materials are as follows: (1) the borrower and the borrower's resident ID card, the original and photocopy of the household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter; (2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station); (3) Legal commercial housing purchase contract or agreement; (4) Personal credit certificate provided by the borrower and the borrower's unit. 2. Accepted and audited by the entrusted bank; 3, the center for examination and approval; 4. The guarantee company handles the guarantee procedures and issues a guarantee commitment letter; 5. The borrower signs a loan contract with the bank with the letter of guarantee commitment; 6. The borrower shall go through the formalities of entrustment notarization; 7. The Center approves the issuance; 8. The entrusted bank issues loans. Legal basis: "Regulations on the Management of Housing Provident Fund" Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the unit for employees belong to individual employees. Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.