1. The loan process of housing provident fund in different places is too complicated. We pay in the local housing provident fund center, which is responsible for reviewing the deposit and applying for loans, and the application center is responsible for the business of housing provident fund loans in different places, including consulting, accepting, reviewing, issuing, recycling, changing and post-loan management.
2. Conflicts of interest of local housing provident fund management institutions. The housing provident fund management center belongs to local management, and the financial supporting part is also the financial supporting at the same level. Everyone doesn't want to use their financial money for the construction of other cities, so the loan from different places is worried about moving their own cheese, and everyone is worried.
3. The fund pool of each provident fund center is different. In some urban housing provident fund centers, the utilization rate of funds is less than 60%, and some urban provident funds have exceeded the red line of fund utilization, even as high as 1 10% (commercial bank loans).
The loan conditions of provident fund for purchasing houses in different places are as follows:
1. You can apply for housing provident fund personal housing loan after paying the housing provident fund in full for more than 6 months. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place;
2, housing provident fund loans for the purchase of the first set of self-occupied housing or the second set of improved ordinary self-occupied housing paid workers, the purchase of the third and above housing paid workers families can not issue housing provident fund loans;
3, housing provident fund personal housing loan rate is less than 85% of the cities divided into districts, according to local commodity housing prices and per capita housing area and other factors to determine. Appropriately increase the first set of self-occupied housing loans;
4. Employees must hold the deposit certificate issued by the housing provident fund management core in the place of employment, and apply for the housing provident fund personal housing loan to the housing provident fund management core in the place where the household registration is located.
legal ground
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 the employee housing provident fund account:
(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.