202 1 year provident fund can be loaned in different places.

At present, some cities allow provident fund loans to buy houses in different places. Deposited employees who purchase houses outside the place of deposit may apply for loans from the housing provident fund management department of the place of purchase according to the housing provident fund loan policy of the place of purchase. The housing provident fund management institution at the place of deposit and the place of purchase shall issue and confirm the deposit certificate and other materials in time and handle the loan procedures.

If you have paid the housing provident fund in full for more than 6 months (inclusive), you can apply for the housing provident fund personal housing loan. If the local area is not allowed to directly apply for provident fund loans to buy a house, you can also transfer the provident fund to the local area first, and then apply for provident fund loans to buy a house.

1. 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.

However, at present, there are few cities that support the nationwide access to provident fund loans in different places, and there are no household registration restrictions, and the policies among cities are different. Cities with limited household registration include Beijing, Guangzhou, Shenzhen and Qingdao.

2. Loans from 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 have household registration requirements, such as Luoyang, Lanzhou, Kunming, Hefei and Ningbo. Therefore, before applying, it is best for buyers to consult whether the provident fund management center of the deposit place can lend in different places.

3. Inter-provincial provident fund loans in different places

Inter-provincial provident fund loan means that employees can pay provident fund in their work units and apply for provident fund loans to buy houses when they return to their registered permanent residence, even if their work units and registered permanent residence are in two provinces respectively.

At present, the central triangle cities, Nanning and the capital cities of 20 provinces can handle inter-provincial provident fund loans.

Can the provident fund buy a house loan in different places?

Provident funds can be borrowed from different places. As long as the employees who have paid the housing provident fund have the household registration certificate or work certificate of the city where the purchased (built) house is located, they can apply for loans from the housing provident fund management center where the purchased (built) house is located in accordance with the housing provident fund loan policy.

After applying for a provident fund loan, the housing provident fund management center of the deposit place and the purchased (built) house issue and confirm the deposit certificate and other materials to help the borrower handle the relevant loan procedures.

According to the current urban provident fund withdrawal policy, employees who meet the conditions of buying houses outside the city get provident fund for themselves and their spouses. Eligible employees refer to the household registration certificate or work certificate of the city where the house is purchased. The housing accumulation fund will be used to collect the deposit and withdrawal of the whole city, and employees can choose any management department to handle the relevant withdrawal business.

Conditions for buying a house with a provident fund loan in different places

1, in line with the policy of buying a house: generally, buying a house with a provident fund loan from a different place should conform to the local housing loan policy, such as tax payment records or social security payment records for one or two years. Different cities have different requirements, and those who decide to buy a house with a provident fund loan in different places must make full preparations in advance. Because once there are restrictions on buying houses, the policy requirements are all limited for one or two years, and it will not be solved for a while.

2. Credit information and income have been evaluated: credit information and income of housing loans in different places should be evaluated. No matter where you apply for a housing loan, stable job, income and good credit are all important assessment criteria for bank approval.

For people who buy a house with provident fund loans from different places, these assessments should be more stringent. At the same time, we will also consider whether the value of your house is consistent with your ability to repay the principal and interest, so as to fully reduce the capital risk of the bank.

3. Complete materials for purchasing houses: The materials for purchasing houses with off-site provident fund loans should be prepared. For the purchase of a house with a provident fund loan from a different place, we should fully understand the bank's loan policies and requirements and prepare all the materials needed by the bank. After all, it is very troublesome to do things in different places, and these materials can't be solved by express delivery or email, so we must be careful.

For the above contents, please refer to Baidu Encyclopedia-Provident Fund Loans in Different Places.

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.