Handling process of housing provident fund loans in different places:

(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.

Legal basis: Regulations on the Management of Housing Provident Fund

Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts.

Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Can the provident fund buy a house loan in different places?

Conditions of housing loan for provident fund in different places

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 are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Households of paid employees who purchase the third and above houses cannot issue housing provident fund loans.

3. In cities divided into districts where the personal housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan amount shall be appropriately increased according to the local commodity housing price and per capita housing area.

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.

Loan process of housing provident fund in different places

1. Business consultation: As the loan business in different cities is different, employees should consult the provident fund management core of the city where they are handling the loan business in different places, and the provident fund management core will inform the loan of the materials that need to be reviewed at one time.

2. Submit an application: the employee himself or his/her client submits an application to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit loan according to the employee's application, and issues a certificate of deposit and use of the employee's housing provident fund for the deposit employee who has never used the housing provident fund or whose first housing provident fund loan has been settled.

3. Information verification: After accepting the employee's application for loan from different places, the loan city provident fund core shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Loan from Different Places to the deposit city provident fund core. After verification, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the core of the city provident fund deposit. 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.

4. Identify and record the loan situation: if the personal account of housing provident fund is transferred during the loan repayment in different places, the original urban provident fund deposit core shall promptly inform the loan city provident fund core and transfer to the urban provident fund core. After receiving the employee housing provident fund account, the core of urban provident fund should re-identify and record the loan situation in different places in time.

5. Repayment: In loans overdue, the deposit core of urban provident fund should cooperate with the loan core of urban provident fund for loan collection, and the balance of the loan employee's provident fund account can be deducted according to the loan contract for repayment.

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What is the loan process of provident fund in different places?

If you want to apply for provident fund loans, consulting in advance is a crucial step. Because there are some differences in provident fund loan policies in each region, if you apply for provident fund in different places, you should be fully prepared. Let's take a look at the loan process of the off-site provident fund!

1. Business consulting

Because there are differences in handling provident fund loan business in each city, you should go to the provident fund management center in your own city for consultation. Of course, the provident fund management center will also tell you the materials you need to carry for the loan.

Submit application

You can apply to the urban provident fund deposit core with the required materials, and then the provident fund management core will issue certificates of housing provident fund deposit and use for employees who have borrowed.

Verify information

When accepting your loan application at the core of the provident fund in your loan city, the integrity and authenticity of the deposit and use certificate of the employee housing provident fund in the deposit city with foreign loans will be verified. As long as the audit is correct, the results will be fed back to the core of the provident fund paid by this city.

4. Identify and record the loan situation.

Deposit workers need to use the provident fund loans in different places, must first transfer the housing provident fund personal account. At this point, the city that originally paid the provident fund must truthfully inform the core of the loan city provident fund. At the same time, after accepting the employee housing provident fund account, the city transferred to the provident fund must re-record and mark the loans in different places in time.

repay the loan

If the provident fund in different places is in loans overdue, the core of paying the urban provident fund should cooperate with the loan collection in the loan city.

Editor's summary: The above introduces the relevant contents of the provident fund loan process in different places, hoping to give you some little help. If you need to know more about provident fund loans in different places, you can lock our website again, and more exciting content will be presented later!

Can the provident fund be loaned in different places?

202 1 year provident fund can be loaned in different places.

At present, some cities allow provident fund loans to buy houses in different places. Deposited employees who purchase houses outside the place of deposit may apply for loans from the housing provident fund management department of the place of purchase according to the housing provident fund loan policy of the place of purchase. The housing provident fund management institution at the place of deposit and the place of purchase shall issue and confirm the deposit certificate and other materials in time and handle the loan procedures.

If you have paid the housing provident fund in full for more than 6 months (inclusive), you can apply for the housing provident fund personal housing loan. If the local area is not allowed to directly apply for provident fund loans to buy a house, you can also transfer the provident fund to the local area first, and then apply for provident fund loans to buy a house.

1. National Provident Fund Loan in Different Places

The national provident fund loan in different places means that employees who have paid the housing provident fund in any city in the country can go back to their domicile to apply for the housing provident fund loan in different places.

However, at present, there are few cities that support the nationwide access to provident fund loans in different places, and there are no household registration restrictions, and the policies among cities are different. Cities with limited household registration include Beijing, Guangzhou, Shenzhen and Qingdao.

2. Loans from different places in the province

Loans in different places in the province refer to employees whose household registration was originally in the loan city, but only worked in other cities in the province and paid the housing provident fund. When they return to their registered residence to buy a house, they can apply for a loan from another place.

At present, most cities support provincial provident fund loans in different places, and some cities have household registration requirements, such as Luoyang, Lanzhou, Kunming, Hefei and Ningbo. Therefore, before applying, it is best for buyers to consult whether the provident fund management center of the deposit place can lend in different places.

3. Inter-provincial provident fund loans in different places

Inter-provincial provident fund loan means that employees can pay provident fund in their work units and apply for provident fund loans to buy houses when they return to their registered permanent residence, even if their work units and registered permanent residence are in two provinces respectively.

At present, the central triangle cities, Nanning and the capital cities of 20 provinces can handle inter-provincial provident fund loans.

Can the provident fund buy a house loan in other places?

Provident funds can be borrowed from different places to buy houses. However, when applying, we must follow the standardized process.

For example, the relevant departments should review the loan deposit information when the loan is ready at one time, and issue certificates of deposit and use of the housing provident fund for employees who have not used the settled housing provident fund or borrowed the personal housing provident fund for the first time.

During the repayment 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 the transfer city provident fund center.

Matters needing attention in buying a house in a different place

1, understand the housing policy of local provident fund loans: different regions have their own housing policies, so if you want to buy a house in other places, you must first understand the local housing policies, such as purchase restrictions, taxes, mortgage interest rates, etc. In particular, if you buy a house with a loan from a different provident fund, you should also know the loan amount and loan conditions of the local provident fund.

2. Go to the local house in person: One of the main obstacles to buying a house in a different place is the long distance, which makes it inconvenient to know the housing situation at any time. However, if you entrust it to an intermediary because of the distance, it is not possible to go to the local house in person, because some houses can't find out the details without going to the field in person.

How can I repay the provident fund loan when my job is transferred to other places?

How to transfer the foreign provident fund to the foreign account when the job is transferred?

Step 1: You need to go to the new provident fund center (that is, our imaginary Jinhua Provident Fund Center) to issue an account opening notice to prove that you have re-opened an account in Jinhua and paid the provident fund here, which is generally called the "account opening notice". When you go, you should bring relevant information (your identity and copy), your ID card and copy if your friends help you, and your marriage certificate if you are a couple.

Step 2: Apply at the new provident fund deposit office (namely Jinhua Provident Fund Center) and fill out the Application Form for Transfer of Housing Provident Fund in Different Places, indicating that you want to transfer the balance of Hangzhou Provident Fund to an account in Jinhua. Under normal circumstances, the staff who accept you will check your current provident fund account according to your ID card, print out the application form, and then stamp it. Finally, you take the transfer application form and the corresponding identity information to the previous provident fund payment center (that is, the imaginary Hangzhou provident fund)

Step 3: Take the provident fund transfer application form, bring your ID card and 1 copy to the provident fund center that needs to be transferred out (namely Hangzhou Center), and generally you will be given a transfer receipt (namely the receipt of the balance details transferred from Hangzhou Provident Fund account to Jinhua Provident Fund account), and then it will be gone. Just wait for the news and check your new provident fund account (Jinhua account) online at any time for about 7 days. Generally speaking, there is no need to go back to the new provident fund center for confirmation, but some places will let you check the account and other information with the receipt.

Legal basis:

Article 675 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Let's stop here for the introduction of transferring loans from provident fund to other places.