1, "Housing provident fund can be used across cities, as long as it is handled in the provident fund centers of the two places, but the handling process will be more troublesome. However, many urban agglomerations or regions have mutual provident funds, which can be directly used in different places between these cities. If necessary, you can know the policies of some regions in advance.
2. 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.
Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
2. What is the process for individuals to apply for provident fund loans?
The process for individuals to apply for provident fund loans is as follows:
1, the borrower submits the complete loan materials to the housing provident fund management institution for approval;
2. To purchase a first-hand existing house or a second-hand house, an application should be made to the central branch of the provident fund, and the loan formalities should be handled at the central branch of the provident fund;
3. Entrust the bank to sort out the materials to the real estate transaction department for mortgage pledge procedures;
4. After the mortgage pledge is proved, the bank will sort out the borrower's materials and send them to the provident fund management agency for review and loan.