Legal analysis: the provident fund can buy a house by cross-city loans. Buying a house with a loan from a different place must first understand the relevant policies of the local housing loan, such as the need for my tax record for one or two years, or the social security payment record. Different cities have different requirements. If you decide to buy a house with a provident fund loan in different places, it is necessary to make full preparations in advance.
Legal basis: Article 10 of the Regulations on the Management of Housing Provident Fund, the cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities with districts (prefectures and leagues) shall set up housing provident fund management centers to be responsible for the management and operation of housing provident fund according to the principle of simplification and efficiency. County (city) does not set up housing provident fund management center. The housing provident fund management center specified in the preceding paragraph may set up branches in qualified counties (cities). The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting. Housing provident fund management center is an independent institution directly under the Municipal People's Government, which is not for profit.
Can I get a loan if I have a mortgage in my hometown and buy a house in another city?
It depends on how much mortgage you have in your hometown.
If there is only one mortgage in the name, you can still borrow money to buy a house in another city, but the loan ratio and interest rate are based on the second suite and you can't enjoy the discount of the first suite.
If you have more than one mortgage in your name, you can't get a loan if you buy a house again. That's because banks only need to allow borrowers to have up to 2 sets of mortgages, and no more than 2 sets will be approved.
If you only have a mortgage record and the mortgage has been paid off, you can still borrow money according to the first suite.
Can the housing provident fund buy a house with cross-city loans?
Legal analysis: Yes. However, due to the difference of loan business in different cities, you must consult the provident fund center of the city where you choose to buy a house with a loan from different places, and the provident fund center will inform you of the materials needed for loan review at one time. According to the Notice of the Ministry of Housing and Urban-Rural Development of the People's Republic of China on the Operation of Individual Housing Loan from Different Places with Housing Provident Fund issued in September 20 15, the notice clarified the handling process of individual housing loan from different places with housing provident fund, and proposed that the provident fund management department should pay close attention to the detailed rules for individual housing loan from different places. Processing flow: 1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs the materials needed for loan review 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 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 will 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. 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. 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. 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 the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund. Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
How to buy a house with a provident fund loan in different places?
Due to the differences in loan business in different cities, employees should consult the provident fund management core of their city when handling loan business in different places, and the provident fund management core will inform the loan review materials at one time.
Employees themselves or their clients apply to the urban provident fund deposit core, which verifies the loans paid by employees according to their applications, and issues certificates for the employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
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. The core of urban provident fund deposit is to identify employees' loans in different places and establish a detailed account of employees' loans in different places.