Yes, this situation belongs to the off-site provident fund loan.

The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:

Loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time;

Employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled;

After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;

During the loan repayment period, if the individual account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account;

In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment.

Materials required for applying for provident fund loans:

Commercial housing sales contract (original 1 copy);

Household registration book (home page, household registration book home page and personal page) and marriage certificate (1 original marriage certificate, divorce certificate or divorce judgment) of the applicant and spouse;

Unmarried certificate of unmarried persons (1 original inspection);

Singles need to provide the marriage certificate of the company (original 1 copy);

Personal settlement account passbook of Agricultural Bank of China (2 xeroxes, original inspection);

Down payment voucher (1 original inspection);

The applicant's valid identity certificate (2 originals must be received and printed on the front and back);

Spouse ID card (copy 1 original to be inspected).

Calculation formula of Zibo provident fund loan amount

Legal subjectivity:

Because the interest rate of provident fund loans is lower than that of commercial loans, it has become the mortgage method chosen by most working-class people. At present, there are three ways to calculate the loan amount of provident fund, and the lowest is the approved loan amount. 1, the loan amount calculated according to the repayment ability, the calculation formula is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient of 40%-total monthly repayment of the borrower's existing loan ]× loan period (month), and the specific value cannot be calculated because you have not provided the salary amount; 2. The loan amount calculated according to the house price, the calculation formula is: loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans; Generally less than 90 square meters, the down payment is not less than 20% of the purchased house price, and the loan amount is not higher than 80% of the purchased house price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price. 3. Loan amount calculated according to the balance of housing provident fund account If an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.

Can a foreign household register buy a house with a loan from Zibo Provident Fund?

Yes, you have recently paid the provident fund in Zibo for six consecutive months, and it is enough for your company to open an account for more than 1 year.

These are the basic conditions.

Then if you buy a first-hand house, you need the developer to sign a mortgage agreement with the provident fund. . . If the second-hand house needs to be transferred, it depends on your specific situation. If it is convenient, take your ID card to the lobby for consultation.

Couples who are single or have only one provident fund have a maximum loan of 35w, and both of them have 40w. The upper limit is affected by age, salary, loan amount and loan term. . . However, in the end, the monthly repayment amount cannot exceed half of the salary. The maximum loan for men is 65 years old and that for women is 60 years old.

You go to Baidu to check the mortgage calculator, and then do it yourself online.

The high amount of Zibo provident fund loan is adjusted to 500,000 yuan with a low down payment of 20%.

20 15, 10, 15 to 2020, 10, 14, Zibo will increase housing provident fund loans and relax the conditions for housing provident fund withdrawal.

20 15, 10 June, the general office of the Zibo municipal government issued the Guiding Opinions on Improving the Provident Fund Management System and Expanding Housing Consumption (hereinafter referred to as the Opinions), which pointed out that from June 20 15 to June 2020,10 June,

The high loan amount is adjusted to 500,000 yuan, and the low down payment ratio is reduced to 20%.

According to the opinions, the high amount of housing provident fund loans in Zibo will be uniformly adjusted to 500,000 yuan. The loan period of housing provident fund is extended to 5 years after the borrower's statutory retirement age, and the longest loan period is 30 years. The time indicated on the ID card shall prevail. Those who have reached the statutory retirement age may not apply for loans. The loan period is determined according to the loanable period of the borrower.

The paid workers' families use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing, and the down payment ratio is as low as 20%; For employees' families who own 1 apartment and have settled the corresponding housing loans, if they apply for housing provident fund loans again to improve their living conditions, the low down payment ratio will be reduced from 30% to 20%, and the interest rate for the first suite will be implemented.

Cancellation of the purchase of a second set of ordinary self-occupied housing. The per capita construction area of the existing self-occupied housing shall not exceed the limit of the per capita construction area of Zibo. For the housing provident fund loans originally issued at the interest rate of the second home, refer to the interest rate adjustment cycle stipulated by the People's Bank of China, and adjust the interest rate of the first home uniformly in June 65438+ 10/the following year.

As of the loan application date, the employee's unit has continuously paid the housing provident fund 1 year or more, and the employee himself has paid the housing provident fund for more than 6 months, so he can apply for individual housing loans. If housing provident fund is paid in different places, and now housing provident fund is paid in Zibo, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.

Policies such as heli loan and portfolio loan have landed.

Workers and their spouses, parents (including spouses) and children (including spouses) who normally deposit housing provident fund in Zibo can apply for joint loan business. The purchaser (or spouse with property rights) is the borrower, and all other participants in the joint loan are the same borrower. * * * The borrower should normally deposit the housing provident fund in Zibo, and there is no balance of individual housing provident fund loans. * * * The borrower and his spouse have not provided or have cancelled the housing provident fund loan guarantee for others. The borrower and the borrower's housing provident fund account will be frozen during the loan period. The balance in the provident fund account can be used to repay the loan.

Workers who deposit housing provident fund in their places of employment, whose domicile is Zibo, and who purchase self-occupied housing in Zibo, meet the basic conditions of housing provident fund loans in Zibo, can apply for housing provident fund loans in different places to the municipal housing provident fund management center with the proof of deposit issued by the housing provident fund management center in their places of employment. Workers from Zibo who have paid housing provident fund in Zibo and work in different places can also apply for housing provident fund loans in different places.

Borrowers who have applied for personal housing commercial loans may apply to the Housing Provident Fund Management Center to replace commercial housing loans with housing provident fund loans (that is, commercial loans are converted into corporate loans) during the repayment period, as long as the original commercial loans are repaid normally and there is no loans overdue record, and the housing real estate license and land certificate purchased by the original commercial loans have been settled. The amount of commercial loans to the public shall not exceed the current housing provident fund loan limit, and shall not be higher than the original commercial housing loan balance (take 1000 yuan or more as an integer).

Portfolio loan refers to a loan method in which an individual applies for a housing provident fund loan, which is insufficient to pay the funds needed for buying a house, and at the same time applies for a commercial housing loan from a bank, and the housing provident fund management center and the entrusted bank handle two kinds of housing loans for the individual at the same time. Borrowers applying for portfolio loans must meet the conditions of both individual housing provident fund loans and commercial housing loans. The combined loan amount must meet the relevant provisions of both individual housing provident fund loans and commercial housing loans.

Eligible employees and their spouses, parents and children's housing provident fund can be withdrawn at one time.

Workers have paid the housing provident fund in full in Zibo, and if my spouse and I don't own a house and rent a house in Zibo, they can apply for drawing the housing provident fund of both husband and wife to pay the rent for ordinary self-occupied houses. The withdrawal of housing provident fund to pay rent has been implemented since 20 15, 1. According to the rent paid by employees and the extraction standard (the rental area is controlled within 90_ _ in principle, the unit rental price is 7 yuan/_, and the extraction amount in the current month shall not exceed the actual contribution of employees and their spouses' provident fund in the current month), the rent of no more than 12 months shall be extracted at one time by the family.

Workers who have paid the housing provident fund normally in Zibo have not applied for personal housing provident fund loans to buy self-occupied houses: the signing date of the commercial housing sales contract for employees who have been filed in the housing management department to buy first-hand houses is less than 3 years; Employees who purchase second-hand houses can withdraw their own, spouse, parents and children's housing provident fund at one time with valid proof materials within 3 years after the deed tax "Tax Payment Certificate" is issued. Parents and children must have the same household registration as the husband and wife. The total withdrawal amount shall not exceed the total purchase price. Withdrawal per capita must have no housing provident fund loan balance. Employees who have applied for individual housing provident fund loans when purchasing owner-occupied housing can apply for withdrawing housing provident fund loans from employees and their spouses every month from the second month of repayment, or withdraw housing provident fund loans to pay off housing provident fund loans in one lump sum after the normal repayment reaches 12 months.

If employees and their spouses have no balance of housing provident fund loans, they may apply to withdraw the housing provident fund of both husband and wife to pay the property fee for a set of self-occupied housing in Zibo. Withdrawal of housing provident fund and payment of property fees shall be implemented from August 20 15, and the amount of each withdrawal shall not exceed 12 months of property fees. Workers and their spouses who have no balance of housing provident fund loans can apply for extracting the housing provident fund of both husband and wife to buy a set of special maintenance funds for self-occupied housing in Zibo within 3 years after obtaining the invoice of special maintenance funds for housing. The withdrawal amount shall not exceed the total amount of paid residential special maintenance funds.

Can you still withdraw the provident fund from the provident fund loan in different places?

Can I withdraw the provident fund when buying a house in a different place?

In the Regulations on the Management of Housing Provident Fund, Order No.262 of the State Council of the People's Republic of China clearly stipulates: Article 24 In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(four) the city or county where the household registration has moved out or settled abroad;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. 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.

Buying a house in a different place is also a buying behavior. As long as the purchase contract and invoice are issued, you can go through the formalities of withdrawing the provident fund.

What is the process of buying a house with a loan from a different place?

1, loan consultation

Property buyers need to consult the loan management center that applies for provident fund loans and ask whether you are allowed to apply for loans in different places locally, if so, what conditions are needed, what materials are prepared, and so on.

2. Loan application

Next, buyers need to submit an application for a loan in a different place to the management center that has paid the provident fund. The staff will confirm your application and see if the information you said is true. After confirmation, the staff will issue a certificate for you to use the housing provident fund for employees with off-site loans.

Step 3 Submit information

Property buyers need to bring their ID cards, purchase contracts, certificates for the use of loans in different places and other materials to the provident fund management center where they apply for loans, and submit the materials to the staff, who will review your materials to confirm their authenticity and integrity. At the same time, the management center where you deposit the provident fund will mark your off-site loans and establish a detailed account of off-site loans.

Step 4 apply for a loan

After the data is approved, the provident fund center that applies for the loan will go through the loan procedures for the buyers and give you the loan. You need to repay on time, and the city's provident fund management center will also cooperate with the loan provident fund center to urge you to repay.

Zibo provident fund loan policy?

Provident fund loan policy for purchasing commercial housing or second-hand housing (second-hand housing in black font)

Application conditions

Meet the following conditions, you can apply for housing provident fund personal loans:

(1) A natural person with full capacity for civil conduct;

(2) Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule;

(3) By the date of loan application, the employee's unit has paid the housing provident fund continuously and normally for more than 1 year, and the employee himself has paid it continuously and normally for more than 6 months;

(4) The borrower, * * and the borrower (including the borrower's spouse and other participants in the joint loan) have no outstanding individual housing provident fund loans;

(5) The down payment for house purchase shall not be less than the specified proportion;

If the paid workers' families use the housing provident fund personal loan to purchase the first set of ordinary self-occupied housing, the down payment ratio of the housing provident fund loan shall not be less than 30%; The down payment ratio of the housing provident fund loan for purchasing the second suite shall not be less than 40%.

(6) Having a legal and effective guarantee;

(7) The borrower, the borrower and the guarantor have good assets and credit status;

(eight) other conditions stipulated by the housing provident fund management committee.

Fourth, processing materials.

Purchase of loan materials for newly-built self-occupied housing (purchase of the third and above housing or paid-in workers' families who have used personal housing provident fund loans twice or more may not apply for personal housing provident fund loans);

1. Application Form for Individual Housing Provident Fund Loan in Zibo City in duplicate;

(It can be downloaded from the website of Zibo Housing Provident Fund () or collected in the housing provident fund service hall).

2. 1 Original personal credit report of the applicant and spouse;

(Personal credit report with watermark issued by China People's Bank in the month of applying for loan)

3. Can provide the applicant and spouse's ID card information authorization code, electronic identity information and entity ID card (Hong Kong, Macao and Taiwan compatriots provide corresponding certificates);

(ID card information authorization code and ID card electronic information are presented through the "Love Shandong" APP, "Love Shandong and Love Zibo" APP or the official account of "Zibo Micro Police" WeChat).

4. The original residence booklet of the applicant, spouse and minor children;

(including everyone's index page and single page)

5. The original marriage certificate of the applicant (those who can enjoy data query in Shandong Province will no longer be provided);

(Single employees fill in and sign the letter of commitment for housing provident fund loan business (power of attorney); The divorced employee shall provide the original divorce certificate, divorce agreement or judgment. After 20 1 1, the marriage registration in Shandong Province can be inquired through the data of the Provincial Civil Affairs Department, and marriage certificates and divorce certificates are not provided. )

6. The original invoice of prepaid VAT general invoice; (Original bank voucher or receipt for down payment; The receipt must be signed by the payee and thumbprinted)

7. Original 1 copy of the commercial housing sales contract filed by the housing management department; (1 original contract for the sale of second-hand houses in Shandong Province; )

8. The applicant has a certificate of deposit and use of employee housing provident fund with off-site loans, and the applicant's deposit in the last six months 1 original (off-site loans provided); (Issued by the housing provident fund management center of the deposit place, and the certificate of deposit and use of housing provident fund for employees with loans from different places can be downloaded from the website of Zibo Housing Provident Fund ()) (original owner's immovable property certificate (or real estate license and land certificate); )

9. Original query result of registration information of applicant, spouse and minor children 1 copy (provided by loans from different places). (Issued by the real estate registration department at the place of deposit, valid for 30 days) The authorization code of the seller's ID card information, electronic information of the ID card, and entity ID card are all acceptable; (ID card information authorization code and ID card electronic information are presented through the "Love Shandong" APP, "Love Shandong and Love Zibo" APP or the official account of "Zibo Micro Police" WeChat).

10. Original bank card (or passbook) of the seller. (The seller himself will sign on the spot and confirm by fingerprint)

1 1. The applicant's certificate of deposit and use of housing provident fund for employees with loans from different places and the applicant's deposit in the last six months 1 original (provided by loans from different places);

(Issued by the housing provident fund management center at the place of deposit, and the use certificate of housing provident fund deposit for employees with foreign loans can be downloaded from the website of Zibo Housing Provident Fund ()).

12. 1 Original proof of the inquiry results of the registration information of the applicant, spouse and minor children (provided by loans from different places).

(Issued by the real estate registration department at the place of deposit, valid for 30 days)

Tips:

1. When submitting a loan application, all loan materials must be prepared and signed by both husband and wife.

2. As of the loan application date, the employee's unit has paid the housing provident fund continuously and normally for more than 1 year, and the employee himself has paid it continuously and normally for more than 6 months.

3. The applicant and spouse take the deposit base of the housing provident fund as the wage income determination standard [in the case of obvious doubts such as the sudden increase of the deposit base at the time of loan and the adjustment of the individual base by the deposit unit, the average base of the recent continuous normal deposit for 6 months is taken as the wage determination standard; If the borrower's spouse has not paid the housing provident fund, and there is no housing provident fund payment base, the minimum wage standard (announced by the provincial government) in the district where the house is purchased shall be used as the wage income recognition standard]. If the applicant's spouse pays the housing provident fund in a different place, he/she shall provide the proof of the payment and use of the employee's housing provident fund whose spouse has a loan in a different place and the original deposit 1 in the last six months (issued by the housing provident fund management center in the place where it was paid).

4. If there is a balance in the personal housing loan of a commercial bank, it shall be regarded as owning a house. If the query results of real estate registration information prove that the listed housing and the housing loan in the personal credit report correspond to the same set of housing, the commercial bank loan contract of the loan should be provided at the same time to prove that it corresponds to the same set of housing.

Verb (abbreviation of verb) processing place and contact telephone number

1. Zone D, Floor 2, Administrative Service Center, No.971,Linzi Avenue, Linzi District115 # Window Tel: 0533-7 177200.

2. Zhangdian District, Unicom Road 190 Municipal Branch Tel: 0533-520 1735.

3. Floor 2, Zhangdian Sub-center, Housing Provident Fund Service Area,  Municipal Affairs Service Center Hall (No.Xisi Road, Zhangdian District 1 19) Tel: 0533-2307 183.

4. Zichuan Sub-center at Jiangjun East Road 168 Zichuan District Tel: 0533-6022870

5. Boshan Sub-center of B-2 Housing Provident Fund Service Area on the second floor of Boshan District Government Affairs Service Center (No.86 Daguanyuan Road, Shantou Street, Boshan District, Zibo City) Tel: 0533-4 185473.

6. zhoucun district Citizen's Home (No.228 Xinjian East Road, zhoucun district, Zibo) is located at the service desk at the main entrance on the second floor, 30 meters east. Tel: 0533-6 160 172.

7. Huantai Sub-center of Housing Provident Fund Service Area on the third floor of Huantai County Convenience Center (Zhangbei Road, Huantai County, Zibo City 1886) Tel: 0533-82 18404.

8. Gaoqing Sub-center (No.7 Gaoyuan East Road, gaoqing county), Hall C, gaoqing county Municipal Affairs Service Center Tel: 0533-6969588.

9. Yiyuan County New Government Affairs Service Center Hall (the third floor of Luzhong Yiwu Trade City, 300 meters east of the intersection of Lushan Road and Ruiyang Avenue) District D Yiyuan Sub-center Tel: 0533-27558 1 1.

10. High-tech Zone Center, Floor 2, Building B, Chuangye Torch Plaza Government Service Center, Liu Quan Road, Zibo High-tech Zone 1 1 63 Tel: 0533-3582 163.

1 1. Administrative Service Center of Economic Development Zone (east of the intersection of Beijing Road and Fuxing Road 100 m) Tel: 0533-2320355.

Intransitive verb processing mechanism

Zibo housing fund management center branch

Seven, charging standards

No charge.

Eight. Processing time

Working days of Zhangdian Sub-center are 9: 00 am-65438+2: 00 pm 65438+3: 00 pm-65438+7:00 pm.

Working days of Zichuan Sub-center: 8:30- 165438+ 0: 30 pm:13: 30-17: 00 pm.

Working days of other sub-centers are 8: 30 am-65438+02: 00 pm, and afternoon 13:30-65438+ 07: 00 pm.

Nine. Treatment process

(1) Relevant materials provided by the applicant;

(two) housing provident fund management center to accept;

(three) housing provident fund management center for loan review and loan approval.

X. Processing time limit

Make a decision on whether to grant the loan within 3 working days from the date of accepting the application, and notify the applicant.