As we all know, the interest rate of provident fund loans to buy a house is low, so many people choose provident fund loans to buy a house. So can Shanghai Provident Fund buy a house in Jiangsu? What are the procedures for off-site provident fund loans? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

Can Shanghai Provident Fund buy a house in Jiangsu?

Shanghai's provident fund can buy a house in Suzhou, which belongs to a different provident fund loan. The off-site provident fund loan shall be applied by the applicant himself or others to the provident fund management center of the city where the provident fund is deposited. According to the applicant's application, the deposit city will verify the deposit loan, and issue a certificate of deposit and use of the housing provident fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.

What are the procedures for off-site provident fund loans?

1, the provident fund loan business in each city will be different, so the applicant should go to the provident fund management center in the city in advance for business consultation and ask what materials are needed. Then the applicant applies to the provident fund management center of the deposit city, and the provident fund management center will review the applicant's situation. If it meets the requirements, it will issue a certificate of deposit and use of housing provident fund for employees with foreign loans.

2. After receiving the applicant's application, the loan city provident fund management center shall verify the completeness and authenticity of the deposit and use certificate of the housing provident fund for employees with foreign loans to the deposit city provident fund management center. If it is verified to be correct, the loan approval procedures shall be handled in accordance with the regulations, and the results shall be fed back to the deposit city provident fund management center.

3. If the personal account of the housing provident fund is transferred during the repayment period of the off-site provident fund loan, the applicant shall promptly inform the loan city housing provident fund management center and transfer it to the city provident fund center, and re-mark and record the off-site provident fund loan in time.

Abstract: The above is Bian Xiao's introduction about whether Shanghai Provident Fund can buy a house in Jiangsu, hoping to help friends in need.

What are the requirements for China Bank's Jiangsu housing provident fund loan?

China Bank Jiangsu Housing Provident Fund Loan Handling Conditions:

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have a permanent residence or valid residence status in China, and pay the housing provident fund at the place where the loan is applied;

3. Have a stable professional and economic income, a good credit record and the ability to repay the principal and interest of the loan;

4. The property right of the purchased house is clear, and the buyer and the seller sign a legal and effective house sales contract or agreement;

5. Have paid or have paid a certain down payment, and can provide corresponding proof.

The above contents are for your reference. Please refer to the actual business regulations.

How much can Jiangsu province provident fund loan borrow?

According to the provident fund loan policy of Jiangsu Province, the maximum loan for first-time house purchase is 500,000 yuan, and the maximum loan for families is 6,543,800 yuan+0,000 yuan. Buy two suites, individuals can borrow up to 300 thousand, and families can borrow up to 600 thousand; Those who purchase real estate for the third time may not apply for provident fund loans again. Moreover, the loan applicant must pay the housing provident fund in full and on time in the first six months of the month when applying for the loan. The house purchased by the applicant is a self-occupied ordinary house, which has a stable source of economic income and can be repaid on schedule. However, the specific loan amount will be determined according to the institutions applying for loans, personal credit information, personal economic strength and other influencing factors.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.