It has nothing to do with household registration, but with the location of the deposit unit. It is impossible to realize the function of buying a house with a provident fund loan in different places.
Do you need a local account for provident fund loans? How long does it take to approve provident fund loans?
Provident fund loans do not require local accounts. As long as they can sign a house purchase contract, non-local residents can also use provident fund loans to buy a house. In terms of loans, there is no difference in employee accounts. In addition, there are cases of off-site provident fund loans. Similarly, you only need to apply for provident fund loans in different places in the provident fund centers of the two places, and you are not restricted by household registration.
At present, it generally takes 18- 19 working days from the bank applying for housing provident fund loans to the lending bank.
1, the loan application (fill in the housing provident fund loan application form) will be completed on the same day;
2, the bank loan review, agreed to report to the municipal housing provident fund management center for review, completed within 2 working days.
3, the city housing provident fund management center to review the loan, completed in 1 working days.
4. After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days.
5. If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage formalities, which shall be completed within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities.
6, the loan bank will submit the borrower information to the city housing provident fund, completed within 2 working days.
7, the city housing provident fund management center for approval of loan materials, completed within 3 working days.
8. The borrower goes to the loan bank to handle the transfer formalities, which will be completed in 1 working day.
Is there a relationship between provident fund and registered permanent residence?
Question 1: Is there a relationship between housing provident fund and registered permanent residence? Yes, the part paid by the company is also in the personal account. It has little to do with hukou. However, what I have summarized is related to several points: 1. Those who leave rural hukou can return it. The simple resignation of the site account and the foreign town cannot be extracted. 2. If a foreign household uses a provident fund loan in Beijing, it is necessary to provide proof of residence (temporary residence permit or work residence permit). At present, if you buy a house in a foreign country, you can withdraw the provident fund in Beijing, but you can't borrow money. For example, if the landlord wants to buy a house in Tianjin, he can also withdraw the provident fund in Beijing, but he cannot apply for a provident fund loan. Generally speaking, the provident fund has little to do with the hukou. This is better than old-age insurance.
Question 2: The relationship between housing provident fund and registered permanent residence. If you stay at home (Tangshan), you can withdraw the money from the provident fund when you leave your job and return to your hometown.
If you are in a company, you are a registered permanent residence in this city where you pay the provident fund. Even if you leave, you can't withdraw the provident fund, you can only withdraw related matters such as buying a house.
Under normal circumstances, the relationship between provident fund and registered permanent residence is not very big. If you leave it at home, it will have no effect on the housing provident fund you pay.
However, there are also special circumstances. In some places, only those registered in this city can pay the housing provident fund. I suggest you ask your company about this.
But I suggest that you leave your registered permanent residence in the unit, even if it is a collective household. It is more convenient for households to follow people.
You need to apply for some documents. When you have an account, you don't have to run back to your hometown.
Question 3: Does the amount of provident fund have anything to do with the location of the registered permanent residence? Yes, the payment base is different, and buying a house and applying for a loan in the future are also different. Where is the provident fund? Buying a house there can only be a provident fund loan, otherwise it can only be a commercial loan.
Question 4: The relationship between hukou and housing provident fund The payment of housing provident fund has nothing to do with hukou, but it is related to hukou later!
Since the workplace is unstable, it would be better if you could move your hukou home!
Question 5: Is there a relationship between the provident fund and the registered permanent residence? It basically doesn't matter. What are the specific steps?
1. Go to the management center and truthfully introduce the house you bought, your personal situation, the amount and duration of the loan you want to apply for, and the guarantee methods you can provide.
2. The documents and materials to be prepared mainly include: valid ID card, household registration book, marriage certificate, and foreigners need to issue temporary residence permits; A complete loan application form stamped by the unit; Purchase contract or letter of intent and other materials.
3. The management center conducts a preliminary examination according to the materials provided by you, and determines the loan amount, term, interest rate and guarantee method. After the preliminary examination is completed, the management center issues a Notice of Investigation to the bank, and the management center examines and approves all loan materials according to the investigation opinions of the bank. After examination and approval, the mortgage registration formalities can be handled.
Question 6: Is there a relationship between housing provident fund and the nature of household registration? What is the cardinal number? 1. It doesn't matter. The difference is: agricultural registered permanent residence can return her job in one lump sum. If she is not from agricultural registered permanent residence, she can only complain when she buys a house or retires. 2 housing provident fund deposit base should be determined according to the average monthly salary of employees in the previous year. Employees who join the work after June 65438+ 10 1 2009 shall take the monthly salary of the employee in the second month or the average monthly salary actually paid since joining the work as the deposit base of the housing provident fund; June 2009: 5438+1 October1The newly transferred employees shall take the monthly salary paid after the transfer or the actual average monthly salary paid as their housing accumulation fund payment base. The average monthly salary of employees is calculated according to the items listed in the statistics of total wages stipulated by the National Bureau of Statistics, including wages, bonuses, allowances, subsidies and other income.
Question 7: Is there a relationship between housing provident fund and registered permanent residence? Housing accumulation fund has nothing to do with registered permanent residence.
There are restrictions on the withdrawal of housing provident fund, and the following conditions shall be met in accordance with the relevant provisions:
(a) the unit where the employees work and the employees themselves pay the housing provident fund in full every month.
(two) in accordance with the provisions of article twenty-fourth of the regulations on the administration of housing provident fund:
1, purchase, build, renovate and overhaul owner-occupied housing; Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house.
2. Retired and resigned workers
3, completely lose the ability to work, and terminate the labor relationship with the unit.
4. Go abroad to settle down.
5. Repay the principal and interest of the house purchase loan
6, the rent exceeds the prescribed proportion of family wage income.
7. The employee dies or is declared dead.
The general procedures for employees to withdraw housing provident fund are as follows:
(a) first apply to the unit, and the unit will review the relevant certificates submitted by individuals. After meeting the extraction conditions, the unit will fill out the Approval Form for Individual Extraction of Housing Provident Fund and affix the reserved seal.
(two) the handling personnel of the unit or individual employee shall go to the provident fund center (hereinafter referred to as the provident fund center for the establishment of housing provident fund accounts) for approval with the "Approval Form for Individual Withdrawal of Provident Fund" together with the original and photocopy of relevant certification materials. After the approval of the provident fund center is completed, the special seal for approval of provident fund shall be affixed to the Approval Form for Individual Withdrawal of Provident Fund filled in by the unit.
(III) The handling personnel or individual employees of the unit go to the provident fund center where the account is opened to handle the transfer business with the Approval Form for Individual Withdrawal of Provident Fund approved by the provident fund center and the Transfer Voucher of Housing Provident Fund Management Center filled in and signed by the unit. The provident fund center will transfer the housing provident fund applied by the employees to the basic settlement account of the unit, and the unit will take it out and pay it to the employees.
Question 8: Is there a relationship between housing provident fund loans and household registration? Hello, materials needed for housing provident fund loan:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements.
Housing provident fund handling conditions:
1. Individuals and their units must pay the housing accumulation fund continuously for one year;
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Housing accumulation fund handling process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.
Please refer to the above answers provided by Ronglian Ye Wei.
Question 9: Is the withdrawal of provident fund related to household registration? There is no score of 10
Question 10: Is there a relationship between housing provident fund loans and household registration? Of course there is. To apply for a loan, you must submit household registration information. Including ID card and household registration book. As for whether it is a provident fund loan or a commercial loan, it is actually only the difference in interest.
Can the provident fund paid in different places be loaned in the provident fund where the account is located?
As different housing provident fund management centers have different policies and requirements for individual housing provident fund loans, please consult the local China Bank business outlets or provident fund management centers for details.
The above contents are for your reference. Please refer to the actual business regulations.
Can a foreign account be loaned by provident fund in different places?
Provident fund loans Some cities can borrow money from different places, because the provident fund has not yet achieved national interoperability, and only some interconnected cities can borrow money from different places. Lenders can consult the local provident fund management center to confirm the loanable cities of the local provident fund before applying for provident fund loans.
Steps of provident fund loan in different places
1, consult the provident fund center.
The policy of off-site provident fund loans is not national in nature, so it is best for buyers to consult the provident fund centers in the two places first, especially to know the provident fund centers in the city where they buy houses and the materials they need, and then ask if they can meet the requirements.
2. Submit the application for provident fund loan.
After it is determined that the provident fund can be loaned in different places, the purchaser applies for the provident fund loan, and the provident fund center verifies the employee's situation according to the application, and issues certificates for the deposit and use of the housing provident fund for eligible employees with loans in different places.
3. Verify information and issue loans.
After receiving the application, the loan city provident fund center will go to the city provident fund center where the purchaser paid the provident fund to verify whether there are any problems with the application certificate and other materials submitted by the employees. If there is no problem, it will approve the loan and feed back the deposit of the city provident fund, and then issue the loan.
Three situations of provident fund loans in different places
1, provincial provident fund loans from different places
Many cities are spending off-site provident fund loans in the province. Different places in the province means that in the same province, the provident fund is paid in city A and loans are made in city B, such as Luoyang, Lanzhou, Kunming and other cities. Property buyers can buy houses in these cities and use them across cities.
2, the national provident fund loans in different places
All over the country, cities in different provinces use provident fund loans to buy houses, but few cities support national provident fund loans, only Qingdao and Shenzhen. If property buyers want to use it, they must understand the policies of various cities.
3. Inter-provincial provident fund loans in different places
Inter-provincial provident fund loan means that employees pay provident fund in their work units and return to their registered permanent residence to buy houses. At present, there are not many cross-provincial provident fund loans, and provincial capitals such as Nanning can support them.
So much for hukou and provident fund loans.