"Fuzhou Housing Provident Fund Management Center housing provident fund off-site personal housing loans, off-site purchase or purchase repayment business implementation rules (Trial)" was issued. The city's housing provident fund loan policy will be pushed from the whole province to the whole country (except Hong Kong, Macao and Taiwan).
It is understood that all Fuzhou registered employees who have paid housing provident fund in other places, who have paid housing in Fuzhou for more than 6 months (including 6 months) and bought self-occupied commercial housing (including self-occupied second-hand housing) can get housing provident fund loans from Fuzhou. In addition, employees who have paid the housing provident fund in Fuzhou can purchase self-occupied commercial houses (including self-occupied second-hand houses) in other places or apply to the Fuzhou provident fund management institution to withdraw the balance stored in the personal provident fund account.
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. Certificate of deposit and use of housing provident fund for employees with loans from different places issued by the deposit provident fund center;
2. The deposit details or list of employee housing provident fund in the last 12 months issued by the deposit provident fund center;
3, deposit, household registration, housing management departments issued by the family members of workers (including minor children) property rounds.
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.