This is an off-site provident fund loan. The off-site provident fund loan shall be applied by the applicant himself or others to the provident fund management center of the city where the provident fund is deposited. According to the applicant's application, the deposit city will verify the deposit loan, and issue a certificate of deposit and use of the housing provident fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.

Provident fund off-site loan process:

1, the provident fund loan business in each city will be different, so the applicant should go to the provident fund management center in the city in advance for business consultation and ask what materials are needed. Then the applicant applies to the deposit city provident fund management center, and the provident fund management center will review the applicant's situation. If it meets the conditions, it will issue a certificate of deposit and use of housing provident fund for employees who have borrowed it;

2. After receiving the applicant's application, the loan city provident fund management center shall verify the completeness and authenticity of the deposit and use certificate of the housing provident fund for employees with foreign loans to the deposit city provident fund management center. After verification, go through the loan examination and approval procedures in accordance with the regulations, and feedback the results to the deposit city provident fund management center;

3. If the personal account of the housing provident fund is transferred during the repayment period of the off-site provident fund loan, the applicant shall promptly inform the loan city housing provident fund management center and transfer it to the city provident fund center, and re-mark and record the off-site provident fund loan in time.

Provident fund loans need to meet the following conditions:

1, personal provident fund deposit base requirements. The minimum deposit base stipulated by different regions and banks is different, generally above 1000 yuan. Usually, the maximum amount of provident fund loans is related to the deposit base of individual provident fund. The higher the deposit base, the higher the loan amount;

2, provident fund deposit time requirements. The deposit time stipulated by different regions and banks is different, generally from more than 6 months to more than 1 year. Under normal circumstances, the longer the provident fund deposit time, the higher the loan amount;

3. Personal credit status requirements. Borrowers with good personal credit status and no bad credit record are more likely to get provident fund loans;

4. The age requirement of the buyer. The minimum age and maximum age stipulated by different regions and banks are different, generally between 22 and 65 years old.

To sum up, the specific policies and regulations of different regions and different banks may be different. Individuals are advised to consult local banks or inquire about relevant policies and regulations before applying for provident fund loans.

Legal basis:

Article 25 of the Regulations on the Management of Housing Provident Fund

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.