Of course. The official website, Suzhou Municipal People's Government, published the article "Suzhou Experience Accelerating the Integration of Housing Provident Fund in the Yangtze River Delta". Regarding the issue of "off-site loans" that the market is most concerned about, the article points out that "with the deepening of the integration of housing accumulation funds in the Yangtze River Delta, the function of off-site loans will be gradually realized." As long as citizens buy houses normally in other areas of the Yangtze River Delta, they can use the housing provident fund paid in Suzhou by way of repayment of loans in accordance with the relevant provisions of the Detailed Rules for the Implementation of Housing Provident Fund Deposit in Suzhou. Can I use Suzhou housing provident fund to buy a house in a different place? This has troubled many citizens. A few days ago, the strategic cooperation on the integration of housing provident fund in the Yangtze River Delta officially landed, and the use of housing provident fund in the Yangtze River Delta region will achieve interoperability. In order to help the integration of housing provident fund in the Yangtze River Delta, Suzhou has helped the Yangtze River Delta's "big office" through the city's "small office" and explored a "Suzhou experience" that can be popularized. On August 20th, at the signing ceremony of the strategic cooperation framework agreement on the integration of housing provident fund in the Yangtze River Delta, the provident fund management departments of Shanghai, Jiangsu, Zhejiang and Anhui jointly issued the first batch of permits. The integration of actual projects marks the formal landing of the integration of housing provident fund in the Yangtze River Delta. It is reported that Shanghai, Jiangsu, Zhejiang and Anhui provinces will take the lead in cooperation in nine aspects this year. Including cross-regional house purchase information survey in Yangtze River Delta, mutual recognition of loan certification information in different places in Yangtze River Delta, early warning announcement of abnormal area of house purchase extraction, knowledge base sharing of 12329 service hotline, pilot project of loan repayment for railway workers in different places, pilot project of unified business policy for house purchase extraction in Yangtze River Delta eco-green integration development demonstration zone, step-by-step promotion of business homogeneity standardization according to national standards, cooperation in financing and use research, and personnel learning, exchange and training. To promote the development of integration. At the same time, by optimizing the use policy, the three provinces and one city will jointly play the role of the provident fund system to further enhance the sense of acquisition and happiness of the paid employees in terms of "living and living". After the integration of provident fund in the Yangtze River Delta, the three provinces and one city will base themselves on the existing information base, realize information and data sharing, unified business standards and risk prevention coordination, continuously improve the convenience and inclusiveness of off-site services, and further expand the housing provident fund business to talents, services, management and other cooperative fields. In the future, the citizens of our city will also enjoy better services of "integration of housing accumulation funds in the Yangtze River Delta", including unified mutual recognition of business acceptance standards in three provinces and one city, and interconnection and transfer of hotlines. As the "vanguard" of the provident fund system, our city's provident fund center has always dared to be the first, taking the lead in launching the service of the city's general business office, helping the Yangtze River Delta "Datong Office" with the city's "small general office", and exploring the "Suzhou experience" that can be popularized for integrated development. By the end of July this year, 9 service halls in our city had achieved all high-frequency services in one window, and 36 services broke the administrative boundaries of the city. In order to strengthen the data docking with industrial parks, in June, the "Suzhou Provident Fund" App launched the function of "employee accounts transferred to the park". By the end of July, * * * had handled 800 transactions with the transfer amount of11264,900 yuan. In June+10, 5438, the city provident fund center will push three more business general offices to further deepen the city's "small general offices". On this basis, the municipal provident fund center will also study the cross-regional operation of provident fund business in conjunction with Qingpu and Jiashan, and try it first in the Yangtze River Delta integration demonstration zone to explore the provision of cross-regional provident fund services for local units and employees. As one of the two leading provident fund centers in the province, the municipal provident fund center adheres to the concept of "service first" and helps the layout of a chess game. In March this year, it took the lead in accessing the platform of "One Network for Running" in the Yangtze River Delta and launched the business of "Yangtze River Delta Provident Fund Loan Deposit and Use Certificate Project". In three provinces and one city, employees who deposit certificates of loan use in different places can directly apply online to realize mutual recognition of loan certificate information in different places, and relevant information can be obtained at the place of purchase without going to the place of deposit, effectively solving the problem that employees' deposit places, household registration places and work places are inconsistent. Legal basis: "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes.
2. Can Suzhou Provident Fund buy a house in other places?
This should refer to the policies of other places. If there is no provident fund loan in Suzhou, buy a house in other places and consult local policies. If the local area can use the provident fund loan from other places, then you can borrow.
3. Can I use the provident fund loan from other places to buy a house when I hand in the provident fund from Suzhou?
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:
(a) 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.
(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.
4. Can Suzhou Provident Fund borrow money from different places to buy a house?
Legal analysis: there are two situations in which Suzhou buys a house with provident fund loans, and the results are different under different circumstances.
Situation 1: The provident fund is paid in Suzhou.
If you want to apply for a provident fund loan to buy a house outside Suzhou, please consult first. If local governments support off-site loans, they can issue a Certificate of Deposit and Use of Housing Provident Fund in the Provident Fund Service Hall for employees with off-site loans. Then go to the housing provident fund center to apply for a loan according to local policies.
Case 2: Suzhou City pays off-site provident fund.
If the provident fund is paid outside Suzhou, you cannot apply for a provident fund loan to buy a house in Suzhou.
In addition, there are requirements for individual provident fund loans, which is very important for the success of applying for provident fund loans. The amount calculated according to the loan amount = the balance of the borrower's (or husband and wife's) provident fund deposit x a certain multiple x the deposit time coefficient. As can be seen from this calculation method, the higher the amount of provident fund loans can be obtained at the time of deposit.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund stipulates that employees have the following 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 item (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 employee's housing accumulation fund; 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.