As people get richer, more and more people buy houses. Of course, many people will choose provident fund loans to buy houses, because provident fund loans have many benefits.

1. Can the housing provident fund buy a house in a different place?

1, in fact, it is possible, and this situation belongs to the provident fund loan in different places. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:

2, the city provident fund center to accept the employee loan business consulting, and one-time inform the loan required audit materials;

3. The employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled;

4. 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. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;

5. 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;

6. In loans overdue, the money paid to the city provident fund center shall be used by the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance of the loan employee provident fund account can be deducted for repayment.

Second, what is the process of buying a house with a loan from a different place?

How to use the provident fund to buy a house in different places

1, consulting loan policy

First, consult the provident fund management center applying for loans and ask whether it is allowed to apply for provident fund loans in different places. If yes, what conditions are needed, what materials should be prepared, and so on.

Step 2 apply for a loan

Then, you need to submit an application for a loan from another place to the management center where the provident fund is deposited. The staff will confirm your application to see if the information you said is true. After confirmation, the staff will issue a certificate of deposit and use of the housing provident fund for the employees who have borrowed from different places.

3. Submit relevant information

To apply for an off-site provident fund loan, you need to bring your ID card, house purchase contract and certificate of use of off-site loan to the provident fund management center where you apply for the loan, and submit the information to the staff, who will review your information to confirm its authenticity and integrity.

4. Apply for provident fund loans

After the loan information is approved, the provident fund center applying for the loan will handle the loan procedures for you and issue the loan to you. You need to repay on time, and the city's provident fund management center will also cooperate with the loan provident fund center to urge you to repay.

3. What are the precautions for buying a house with housing provident fund?

1. Provident fund cannot be directly used as down payment for house purchase. If you want to buy a house with a provident fund loan, you must pay a down payment first, and then take your ID card, household registration book and other supporting materials to the local housing provident fund management center to withdraw the balance of the provident fund.

2. The total withdrawal from the provident fund cannot exceed the total house payment. The total amount of housing provident fund withdrawal cannot exceed the total purchase price. Even if you have 500 thousand in your provident fund account, as long as the amount of the house you buy is less than 500 thousand, you can't withdraw it in full.

3. After the provident fund loan is settled, you can use the provident fund to buy a house. As long as your loan is not paid off, neither you nor your spouse can apply for a provident fund loan again. If the previous loan has been settled, you can apply for a provident fund loan to buy a house again, which is not restricted by the second suite policy.

Legal objectivity:

Provident funds cannot be used for loans to buy houses in different places. According to 1999 promulgated and revised in 2002, housing provident fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. This definition of housing accumulation fund contains the following five meanings: 1. Housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas. 2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents do not implement the housing provident fund system, and retired workers do not implement the housing provident fund system. 3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the individual contributions of employees are withheld by the unit, they will be deposited into the individual account of housing provident fund together with the unit contributions. 4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund. 5. Housing accumulation fund is the individual housing savings fund that employees use exclusively for housing consumption expenditure according to regulations. It has two characteristics: first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash, and it must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is specificity. The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city can the housing provident fund be withdrawn from the account.