Housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in the special account opened by the housing provident fund management center in the entrusted bank for special account management. Next, I will sort out how employees who have paid provident fund in different places in Jinan use provident fund loans, hoping to help you!
How to use provident fund loans for employees who have paid provident fund in different places in Jinan
(1) Borrowers with Jinan household registration who deposit housing provident fund in their places of employment and buy self-occupied houses in Jinan can apply for personal housing provident fund loans from Jinan Provident Fund Center.
(2) If non-Jinan registered employees who have paid housing provident fund in other cities in the province buy ordinary self-occupied houses in Jinan, Jinan registered employees with stable income can provide guarantees and apply for housing provident fund loans from Jinan Provident Fund Center.
(3) To apply for a loan in a different place, you need to provide the details of the provident fund deposit and the certificate of no provident fund loan issued by the deposit center.
Jinan provident fund loan conditions
I. Loan conditions
1, a natural person with full civil capacity, stable economic income and loan repayment ability, and good personal credit status;
2. The borrower and his unit have established a housing provident fund system, and the housing provident fund has been continuously paid in full at the time of loan for not less than the specified time, and no housing provident fund loan has occurred or has been fully paid off;
3. With a legal purchase contract or agreement, the borrower shall be the property owner agreed in the purchase contract, and the purchased houses are newly-built commercial houses, affordable houses, houses raised by units, resettlement houses for shantytown renovation, existing commercial houses (second-hand houses), self-occupied houses built by employees, renovated or overhauled, etc. (excluding commercial houses and villas, etc. ) within the administrative area of this Municipality;
4. The down payment of the purchased house that has been delivered shall not be less than the prescribed proportion;
5. If it is agreed that the purchased house or other real estate recognized by the provident fund center can be used as collateral, or movable property or rights can be used as pledge, the unit that sells the purchased house shall provide installment loan guarantee for its purchase of new commercial housing loans.
II. Description of the policy on off-site loans:
1. Employees with Jinan household registration who pay housing provident fund in their places of employment (non-Jinan) and buy ordinary self-occupied houses in Jinan can apply for personal housing provident fund loans from Jinan Provident Fund Center.
2. Non-Jinan registered employees who deposit housing provident fund in other cities in the province and buy ordinary self-occupied houses in Jinan are guaranteed by Jinan registered employees with stable income, and can apply for personal housing provident fund loans from Jinan Provident Fund Center.
3. To apply for a loan in different places, you must also provide the details of the provident fund deposit issued by the deposit center, the certificate of no provident fund loan, and the proof of family property inquiry issued by the housing property registration department of Jinan City.
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