When you apply for a loan from the Bank of China in Shenzhen, you can't use the Shenzhen Provident Fund to buy foreign commercial houses (such as Huizhou and Dongguan). Purchase affordable housing and commercial housing (residential) within the city to apply for provident fund loans. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the latest business changes announced by China Bank official website.

If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.

I am from Shijiazhuang, and now I work in Beijing. Can I buy a house in Shijiazhuang now? Can I buy a house with Beijing's provident fund?

Whether you can use provident fund loans to buy a house in a different place depends on whether the local provident fund management center supports the provident fund loan business. If feasible, those who meet the conditions of provident fund loans can apply. The general process is as follows: (1) The Loan City Provident Fund Center accepts the consultation of employees' loan business in different places, and informs them of the materials required for loan review at one time. (II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate 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. (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. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places. (four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify 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. (5) 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 deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.

3. Can Beijing Provident Fund buy a house in other places?

Calculate how much it will cost to decorate your home. Can Beijing Provident Fund buy a house in other places?

Beijing provident fund can't buy a house in other places, and Beijing provident fund can only buy a house in Beijing. However, if you want to use the provident fund paid by Beijing, you can withdraw it, so it is also possible to buy a house in the field; In addition, the provident fund paid by Beijing can also be transferred to the area where you buy a house. It should be noted that the withdrawal of provident fund must be used for the purchase, construction and overhaul of houses, reaching the statutory retirement age of the country.

What should I pay attention to when buying a house with provident fund loans?

1. Provident fund cannot be directly used as down payment for house purchase.

Although the provident fund can be used to pay the down payment for buying a house, the premise is that the provident fund must be withdrawn first. Therefore, if you want to use the provident fund loan to buy a house, you should pay the down payment first, and then take the ID card, household registration book and other materials of the buyer to the local housing provident fund management center to withdraw the balance of the provident fund.

2. The total withdrawal from the provident fund cannot exceed the total house payment.

Some people pay a large amount of housing provident fund, which is higher than the total housing price. Many people think that they can use all the provident fund to pay for housing. The total amount of provident fund withdrawal cannot exceed the total amount of house purchase. We must pay attention to this. No matter how much your provident fund is, the amount you pay cannot exceed the total house price.

3. After the provident fund loan is settled, you can use the provident fund to buy a house.

If you have applied for a provident fund loan before, there is a corresponding record in the provident fund management system. As long as the loan is not paid off, neither you nor your spouse can use the provident fund loan again. But after you have paid off the previous loan, you can apply for a provident fund loan to buy a house again, which is not restricted by the second suite policy.

Bian Xiao concluded: The above is about whether Beijing Provident Fund can buy a house in other places. I believe everyone understands! In addition, if you want to withdraw the provident fund, you must consider whether you meet the withdrawal conditions, otherwise you can't propose the provident fund.

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4. Can Beijing Housing Provident Fund borrow money from different places to buy a house?

(1) Beijing's provident fund can only be used to buy a house in Beijing. (2) The place of purchase is not limited, and it has nothing to do with household registration. (3) No effect. (4) Unless the provident fund is withdrawn through other channels, the down payment cannot be made. Because the withdrawal of the provident fund requires a purchase invoice or a rental certificate. (5) It can be extracted by renting. As for how much to withdraw, it depends on your rental certificate. (6) It can be withdrawn again, and it can be withdrawn next month at the earliest. (7) Non-Beijing registered permanent residence for five years, the provident fund can be transferred to other places. You need to build a number in the field first, and then go through the transfer procedures.