1. Can the provident fund in Shanghai be used as a loan to buy a house in Wuhan?
The provident fund can be withdrawn to repay the loan, but it cannot be used as a provident fund loan. That is to say, if you buy a house in Wuhan, it can only be counted as a commercial loan, and then you can withdraw the provident fund in Shanghai in one go in October every year to repay the loan. When withdrawing the provident fund, you need the following materials: ID card, house purchase contract, loan contract, provident fund issued by the unit Withdrawal order. I hope it is useful to you, please accept the extra points, thank you
2. Can the Shanghai Provident Fund get a loan to buy a house in Wuhan?
1, yes 2, there are requirements, it depends on the location, as long as it can be commercial If you want a loan, you can get a provident fund loan, but you must pay it continuously for six months. 3. After-sales public housing is not considered a second set, but the first one. 4. I can help you check your credit and provident fund balance, I guess it will be fine. For example, houses within the inner ring of Shanghai that are over 20 years old can still get loans. It depends on the details. The only difference is the loan amount
3. Can Shanghai’s provident fund get a loan to buy a house in Wuhan?
Shanghai’s provident fund cannot be used to buy a house in Wuhan. Wuhan’s current policy is to suspend the acceptance of off-site personal housing loans for employees with housing provident fund deposits in other cities, except for the housing provident fund cooperation cities in Hubei Province and the urban agglomeration in the middle reaches of the Yangtze River.
The establishment of a housing provident fund system for employees provides a guarantee for employees to solve their housing problems quickly and better; the establishment of a housing provident fund system can effectively establish and form a mechanism and channel for employees with housing to help those without housing. The housing provident fund provides financial help to workers without housing, which reflects the mutual aid nature of the employee housing provident fund.
Relevant information
(1) Universality, urban employees, regardless of the nature of their work unit, the level of their family income, or whether they already have housing, must comply with the provisions of the "Regulations" Pay housing provident fund.
(2) Mandatory (policy). If the unit does not handle the housing provident fund deposit registration or does not handle the establishment of housing provident fund accounts for the employees of the unit, the housing provident fund management center has the power to order it to be completed within a time limit. If it is overdue, Those who fail to handle the matter may be punished in accordance with the relevant provisions of the Regulations and may apply for compulsory enforcement by the people.
(3) Welfare. In addition to the housing provident fund paid by employees, the unit must also pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans.
(4) Returnability: When an employee retires, retires, or completely loses the ability to work and terminates the labor relationship with the unit, moves out of residence or settles abroad, etc., the housing provident fund paid will be returned to the individual employee.
Reference for the above content: Baidu Encyclopedia-Housing Provident Fund
4. Can the provident fund paid in Shanghai be used to buy a house in Wuhan?
Answer: The provident fund paid in Shanghai cannot buy a house in Wuhan. Because the payment and use of provident funds are regional. For example, the provident fund paid in Shanghai can only be used to purchase or rent a house within Shanghai. Then, you can only use the provident fund paid in Wuhan to buy a house in Wuhan.