1. According to the requirements of provident fund loan, the purchaser must have his own provident fund account number and pay the housing provident fund in full and on time in the local area for more than half a year or more. In addition, lenders need to have good credit and the ability to repay the principal and interest of loans;
2, the need for individual urban workers and their units must continue to pay housing provident fund for one year; The borrower needs to purchase affordable housing recognized by the lender; Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan; Having a house purchase contract or relevant supporting documents;
3. The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender priority mortgage and compensation as a guarantee for repayment of principal and interest;
4. The borrower has the ability to pay not less than 30% of the funds needed for house purchase;
5. Other conditions stipulated by the lender.
Provident fund off-site loan process:
1, the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time;
2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For the paid employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they shall be issued with certificates of deposit and use of housing provident fund loans in different places;
3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;
4. During the repayment period of employee loans paid in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
To sum up, according to Shenzhen's regulations on buying houses in different places: Shenzhen Provident Fund can buy houses in different places. The specific situation also needs to consult the local provident fund management center for enquiry. If you pay the provident fund in Shenzhen, you can handle the loan business of buying houses in different places.
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.