Provident funds can be borrowed from different places to buy houses. However, when applying, we must follow the standardized process.
For example, the relevant departments should review the loan deposit information when the loan is ready at one time, and issue certificates for the deposit and use of the housing provident fund for employees who have settled the unused housing provident fund or the first personal housing provident fund loan.
During the repayment of employee loans paid in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and the transfer city provident fund center.
Matters needing attention in buying a house in a different place
1, understand the local provident fund loan housing policy: different regions have their own housing policies, so if you want to buy a house in other places, you must first understand the local housing policies, such as purchase restrictions, taxes, mortgage interest rates, etc. In particular, if you buy a house with a loan from a different provident fund, you should also know the loan amount and loan conditions of the local provident fund.
2. Go to the local house in person: One of the main obstacles to buying a house in a different place is the long distance, which makes it inconvenient to know the housing situation at any time. However, if you entrust it to an intermediary because of the distance, it is not possible to go to the local house in person, because some houses can't find out the details without going to the field in person.
Can provident fund loans be used to buy houses in different places?
Provident fund can buy a house in different places, which is determined according to local policies. The use of provident fund to buy a house in a different place must conform to the local purchase policy, and the credit and income of the purchaser need to be evaluated, and there are collateral or guarantors in different places.
legal ground
Article 5 of the Regulations on the Management of Housing Provident Fund
The housing accumulation 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.
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.
Can the provident fund buy a house loan in different places? Just go through these formalities.
As long as they enter the workplace and have formal jobs, most employees can enjoy the company benefits of five insurances and one gold. There are many benefits that provident fund can bring to people, and buying a house with low loan interest rate is one of them. Many employees ask, can the provident fund buy a house loan in different places? Just go through these formalities!
Can the provident fund buy a house loan in different places?
According to the regulations, most cities can apply for provident fund loans in different places. The borrower's deposit city provident fund center is responsible for reviewing the deposit and loan situation of employees, issuing a written certificate to the loan city provident fund center, and cooperating with the loan city provident fund center to verify relevant information.
After that, the loan city provident fund center and the entrusted bank are responsible for the business consultation, acceptance, review, issuance, recovery, change and post-loan management of off-site loans, and bear the loan risks. The loan city provident fund center and the deposit city provident fund center should regularly check the loan situation in different places, and master the withdrawal, repayment, change and overdue situation.
Under normal circumstances, if the borrower wants to use the provident fund loan to buy a house in a different place, he/she needs to provide his/her spouse's ID card, provident fund card, house purchase contract, property right certificate, full payment and household registration certificate or work certificate, loan contract and repayment certificate.
After accepting the application for loan from different places, the loan city provident fund center shall verify the authenticity and completeness of the information of the purchaser to the deposit city provident fund center. Only if it is verified correctly, the loan approval procedures will be fulfilled within the prescribed time limit, and the results will be fed back to the municipal provident fund center. In this way, the situation of off-site loans was identified and a detailed account of employees' off-site loans was established.
The above is "can the provident fund buy a house loan in different places?" I hope it will help everyone!
My wife works in Liyang and wants to buy a house in Changzhou. Can I get a provident fund loan?
Yes, the Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled in accordance with 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;
Identity cards, household registration books and proof of marital status of the applicant and spouse;
Work certificate and bank flow;
Down payment voucher (1 original inspection);
Proof of provident fund deposit (or housing provident fund card);
The evaluation report of the purchased house;
The purchase contract signed by the buyer and the seller;
Property ownership certificate and state-owned land use certificate under the original seller's name (original and copy).
Can the provident fund buy a house loan in different places?
Housing provident fund can buy a house in different places. The use of housing provident fund loans to buy houses in different places should be in line with the local purchase policy. Banks will only issue loans when their credit and income have been evaluated, the materials for purchasing houses are fully prepared, and there are collateral or guarantors in different places.
To apply for provident fund loans, the following basic conditions shall be met:
1, with full capacity for civil conduct;
2, the provident fund deposit certificate;
3. Identity cards, household registration books and proof of marital status of the applicant and spouse;
4. Employees who have paid the housing provident fund normally for more than one year (inclusive) must pay the housing provident fund normally for more than six months (inclusive), and the monthly deposit of the housing provident fund reaches the minimum monthly deposit announced by the CMC.
Article 5 of the Regulations on the Management of Housing Provident Fund
The housing accumulation 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.
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund to purchase, build, renovate or repair their own houses may apply for housing provident fund loans from the housing provident fund management center. 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 is borne by the housing provident fund management silly center.
Can the provident fund borrow money from different places to buy a house?
Of course. First, apply for a loan from the local housing provident fund management center. The borrower needs to hold the approval document of the government land planning and management department, ID card, housing provident fund savings magnetic card and seal, and a copy of the housing sales license of the purchaser, and apply for housing provident fund loans at the city and county provident fund management centers for housing construction and repair. The use of both husband and wife housing provident fund loans, but also to bring a marriage certificate or other proof of husband and wife relationship, fill in the application form for personal housing provident fund loans. The loan bank shall, according to the borrower's application, evaluate whether the borrower meets the loan conditions, calculate the loan amount and determine the loan term. Second, sign a loan contract. After the local provident fund management core or the entrusted bank approves the borrower's application, the borrower and the provident fund management core sign a loan contract and a mortgage contract. If a mortgage contract is signed with real estate mortgage, the personal guarantee needs to enjoy the personal double protection of the provident fund. Article 2 of the Regulations on the Management of Housing Provident Fund stipulates that these Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees. Article 3 stipulates that the housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.
Let's stop here for the introduction of Liyang provident fund loan in different places.