Provident fund can buy a house loan in different places, but it must meet the corresponding conditions. Deposited employees who purchase houses outside the place of deposit may apply for loans from the housing provident fund management department of the place of purchase according to the housing provident fund loan policy of the place of purchase. The housing provident fund management institution at the place of deposit and the place of purchase shall issue and confirm the deposit certificate and other materials in time and handle the loan procedures.

Conditions of housing loan for provident fund in different places

1. You can apply for housing provident fund personal housing loan after paying the housing provident fund in full for more than 6 months. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place.

2. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Households of paid employees who purchase the third and above houses cannot issue housing provident fund loans.

3. In cities divided into districts where the personal housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan amount shall be appropriately increased according to the local commodity housing price and per capita housing area.

4. Employees must hold the deposit certificate issued by the housing provident fund management core in the place of employment, and apply for the housing provident fund personal housing loan to the housing provident fund management core in the place where the household registration is located.

Can the housing provident fund buy a house across provinces?

Therefore, the interest rate of provident fund is lower. When people buy a house, they generally like to apply for provident fund loans. But many people go to work in other cities, so the city where the provident fund is paid is different from the city where they want to buy a house. Can the provident fund buy a house across provinces? Next, Bian Xiao will briefly introduce it to you.

1, housing provident fund can buy houses across provinces. The Notice on the Use of Housing Provident Fund 20 15 10 8 jointly issued by the Ministry of Housing and Urban-Rural Development and the People's Bank of China will be fully implemented. At present, Beijing, Shanghai, Tianjin, Fuzhou, Guiyang, Chongqing, Guangzhou, Shenzhen and other cities are connected to the national housing provident fund off-site loan platform to support off-site loans nationwide.

2. But some cities only support loans from cities outside the province, such as Nanchang, Nanning, Wuhan and Changsha; Some cities, such as Zhengzhou, Nanjing, Suzhou, Hohhot and Dalian, have not yet introduced the policy of off-site provident fund loans.

3. Different cities have different rules for off-site loans. For example, Qingdao stipulates that those who have Qingdao household registration and pay provident fund in other cities can apply for provident fund loans in Qingdao. When handling off-site provident fund loans, you need to ask whether the local provident fund center supports off-site loans, what materials you need to prepare, and so on.

4. To apply for off-site provident fund loans, you need to apply to the city where the provident fund is deposited, and they will issue certificates of deposit and use of the housing provident fund for off-site loans, and then submit relevant materials to apply for provident fund loans to the lending city. After approval, the deposit into the urban provident fund center will establish a detailed account for employees' loans in different places. Next, after the applicant completes the loan formalities in the provident fund center of the city where the loan is applied, the provident fund center will issue the loan.

Bian Xiao concluded: Regarding whether the housing accumulation fund can buy a house across provinces, Bian Xiao will briefly introduce it here. I hope that after reading this article, I can provide you with reference. Only when the cities where we have paid the provident fund and the cities where we have borrowed money to buy a house are connected to the provident fund transfer platform in different places can we apply for the provident fund loan in different places.

Where can I use dry goods for off-site provident fund loans?

Many office workers can't give full play to the role of provident fund because of great changes in their workplace, and it is quite distressing to apply for provident fund loans. Since the full implementation of provident fund loans in different places, many buyers have increased their enthusiasm for buying houses. To a certain extent, the expected annualized interest rate of provident fund loans is low. Although the loan time is long, it is good to save the mortgage cost. Where can I get a loan from the provident fund in different places?

(1) Support cities with loans from different provinces and regions.

Cities: Hangzhou, Qingdao, Shenyang, Changchun

, Jinan, Luoyang, Hefei (mutual loans with Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei), Xi, Kunming, Yinchuan and Lanzhou.

It should be noted that Changchun, Qingdao, Luoyang and Kunming require household registration in this city, while Yinchuan requires non-agricultural household registration in Ningxia.

(2) Support cities in different places in China with loans.

Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan Province, Guiyang (trial period 1 August 15) and Xining.

It should be noted that Guangzhou, Harbin, Chengdu, Shijiazhuang, Hainan Province and Guiyang require household registration in this city.

(3) Cities in inter-provincial loan areas

The Central Triangle, Wuhan, Changsha, Nanchang and Nanning.

It should be noted that Nanning and 2 1 province (region) directly under the provident fund, including Guangxi, have realized loan intercommunication, and are not limited to household registration, and can buy a house in the other provincial capital city. 2 1 List of provincial (district) direct centers: Nanning Housing Provident Fund Management Center, Shaanxi Housing Fund Management Center, Hebei Housing Fund Management Center, Shanxi Provincial Government Housing Fund Management Center, Inner Mongolia Autonomous Region Housing Fund Management Center, Liaoning Provincial Housing Fund Management Center, Jilin Provincial Housing Fund Management Center, Heilongjiang Provincial Housing Fund Management Center, Jiangsu Provincial Government Housing Fund Management Center, Zhejiang Provincial Housing Fund Management Center, Anhui Housing Fund Management Center, Fujian Housing Fund Management Center, Jiangxi Housing Fund Management Center, Henan Housing Fund Management Center, Hunan Housing Fund Management Center, Sichuan Housing Fund Management Center, Guizhou Housing Fund Management Center, Yunnan Staff Housing Provident Fund Management Center, Gansu Housing Fund Management Center, Ningxia Autonomous Region Housing Fund Management Center, Qinghai Housing Fund Management Center.

(4) cities that have not realized loans from different places.

Nanjing, Suzhou, Zhengzhou, Dalian, Xiamen, Fuzhou and Hohhot.

Buyers who want to apply for off-site provident fund loans should note that the above-mentioned off-site regional provident fund loans are for reference only, subject to the actual announcement by the local provident fund management center.

Can I borrow money from the provident fund in different places?

The national provident fund loan in different places means that employees who have paid the housing provident fund in any city in the country can go back to their domicile to apply for the housing provident fund loan in different places.

However, at present, there are few cities that support the nationwide access to provident fund loans in different places, and there are no household registration restrictions, and the policies among cities are different. Cities with limited household registration include Beijing, Guangzhou, Shenzhen and Qingdao.

Article 5 of the Regulations on the Management of Housing Provident Fund stipulates that the housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Can the provident fund be loaned in different places?

202 1 year provident fund can be loaned in different places.

At present, some cities allow provident fund loans to buy houses in different places. Deposited employees who purchase houses outside the place of deposit may apply for loans from the housing provident fund management department of the place of purchase according to the housing provident fund loan policy of the place of purchase. The housing provident fund management institution at the place of deposit and the place of purchase shall issue and confirm the deposit certificate and other materials in time and handle the loan procedures.

If you have paid the housing provident fund in full for more than 6 months (inclusive), you can apply for the housing provident fund personal housing loan. If the local area is not allowed to directly apply for provident fund loans to buy a house, you can also transfer the provident fund to the local area first, and then apply for provident fund loans to buy a house.

1. National Provident Fund Loan in Different Places

The national provident fund loan in different places means that employees who have paid the housing provident fund in any city in the country can go back to their domicile to apply for the housing provident fund loan in different places.

However, at present, there are few cities that support the nationwide access to provident fund loans in different places, and there are no household registration restrictions, and the policies among cities are different. Cities with limited household registration include Beijing, Guangzhou, Shenzhen and Qingdao.

2. Loans from different places in the province

Loans in different places in the province refer to employees whose household registration was originally in the loan city, but only worked in other cities in the province and paid the housing provident fund. When they return to their registered residence to buy a house, they can apply for a loan from another place.

At present, most cities support provincial provident fund loans in different places, and some cities have household registration requirements, such as Luoyang, Lanzhou, Kunming, Hefei and Ningbo. Therefore, before applying, it is best for buyers to consult whether the provident fund management center of the deposit place can lend in different places.

3. Inter-provincial provident fund loans in different places

Inter-provincial provident fund loan means that employees can pay provident fund in their work units and apply for provident fund loans to buy houses when they return to their registered permanent residence, even if their work units and registered permanent residence are in two provinces respectively.

At present, the central triangle cities, Nanning and the capital cities of 20 provinces can handle inter-provincial provident fund loans.

This is the end of the introduction on the scope of provident fund loans in different places and the conditions for housing provident fund loans in different places. I wonder if you have found the information you need?