According to the Notice of the Ministry of Housing and Urban-Rural Development of the People's Republic of China on the Operation of Individual Housing Loan from Different Places with Housing Provident Fund issued in September 20 15, the notice clarified the handling process of individual housing loan from different places with housing provident fund, and proposed that the provident fund management department should pay close attention to the detailed rules for individual housing loan from different places.
Processing flow:
1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.
2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will be issued with certificates of deposit and use of housing provident fund loans in different places.
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.
4. 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.
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 the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.
Extended data:
Seven purposes of housing provident fund:
1, house purchase:
(1) If you buy a house without a loan, you can withdraw the provident fund at one time;
(2) Commercial loans can draw provident fund for down payment;
(3) Commercial loans can be used to withdraw provident fund to repay principal and interest;
(4) The provident fund (portfolio) loan can be used to withdraw the provident fund to repay the principal and interest.
2. Construction, renovation and overhaul of houses:
In rural collective land construction, renovation, overhaul of their own housing and the use of housing loans, employees and their spouses can apply for withdrawal of the amount of provident fund before the month of building approval (including the month), and the total withdrawal does not exceed the cost of building.
3. Rent a house:
(1) Use the provident fund to pay the rent of the economic rental house with rent or government rent subsidy;
(2) Use the provident fund to pay the market rent.
4. Parents buy a house for their children:
Use a personal housing loan from a commercial bank to purchase your own house, and you can withdraw your parents' provident fund after paying the down payment; Buy your own house with a personal housing provident fund (portfolio) loan, and you can withdraw your parents' provident fund after paying the down payment. (This practice needs to meet the relevant conditions, and you can consult the local provident fund management department. )
5. Withdraw all balances from the account cancellation:
(1) Divorce or retirement;
(2) agricultural household registration practitioners, men over 60 years old, women over 55 years old;
(three) to settle in foreign countries and Hong Kong, Macao and Taiwan regions;
(4) completely losing the ability to work, mostly losing the ability to work or severely disabled, and dissolving or terminating the labor relationship with the unit;
(five) to receive unemployment insurance benefits;
(6) The employee who is sentenced to punishment, whose registered permanent residence has moved out of the city where the registered permanent residence is located, or who is not in the city where the registered permanent residence is located terminates or terminates the labor relationship with his unit;
(7) The housing provident fund account has been transferred to the centralized storage account for 2 years or the labor relationship with the original unit has been terminated for 2 years;
(8) If you work outside the administrative area of the city where you are located, you can set up and deposit the housing provident fund locally, and you can cancel your account and withdraw all the balance of the provident fund.
6, into the lowest or worst range of extraction and use:
Workers are included in the minimum living guarantee or poverty relief scope for urban residents, and the employees themselves and their spouses can apply for withdrawal of housing provident fund, and the withdrawal amount shall not exceed the amount of housing provident fund before being included in the minimum living guarantee or poverty relief scope.
7, the treatment of major diseases:
Family members (including employees themselves, spouses and minor children) suffering from major illness or major surgery hospitalization, employees themselves and their spouses can apply for withdrawal of housing provident fund. Nine major diseases can be extracted once every six months, and the amount of each extraction does not exceed the actual personal expenditure within two years (excluding the medical insurance reimbursement part), and the cumulative extraction within two years does not exceed the actual personal expenditure.
Ministry of Housing and Urban-Rural Development-On the operation of housing provident fund and individual housing loan in different places