1. Why can’t I use my provident fund to apply for a loan to buy a house in another place?

1. Materials required for a housing provident fund loan:

Household register of the borrower and his spouse ;

Residence ID cards of the borrower and his spouse;

Proof of the borrower’s marital status;

Proof of down payment for house purchase;

Proof of income;

Credit status report of the borrower and his spouse printed by the bank;

House sales contract or agreement that complies with legal requirements.

2. Conditions for handling housing provident fund;

The individual and the unit must pay the housing provident fund continuously for one year;

The borrower has stable economic income and credit Good quality and the ability to repay the principal and interest of the loan;

If the borrower purchases a commercial house, the borrower must have no less than 30% of the total house price.

3. Housing provident fund application process:

The lender prepares relevant information, fills out the loan application at the bank, and submits the materials;

After the loan bank receives the application Confirm and review the information;

After review, the lending bank will contact the lender and sign the relevant contract;

The bank will grant the loan and the lender will fulfill its repayment obligations.

4. How to query housing provident fund loans:

After opening online banking for most banks’ monthly payment cards, you can check the mortgage repayment record and loan balance on online banking;

Check through the 955 service hotline of telephone banking and the bank’s manual customer service;

Go to the institution where you check your personal credit report and print a personal credit report. The credit report will also show the credit report. balance. With your ID card, go to the personal loan center where the bank issues loans and ask the account manager for inquiries;

If you know clearly when the interest rate will be adjusted and the interest rate executed in the current period, you can also choose a professional one yourself Use the loan calculator to calculate your monthly payment.

2. Why off-site provident fund loans are not allowed

1. The off-site housing provident fund loan process is too complicated. We pay at the local housing provident fund center, which is responsible for reviewing the payment and applied loan status, while the application center is responsible for the housing provident fund including consultation, acceptance, review, issuance, recovery, change and post-loan management. Provident fund loans vary from place to place. According to regulations, the loan amounts are also different, so the provident funds in first- and second-tier cities can be loaned according to the provident fund payment ratio. On the contrary, the provident funds in third- and fourth-tier cities go to first- and second-tier cities.

2. Conflicting interests of housing provident fund management agencies in various places. The Housing Provident Fund Management Center is under local management, and the Financial Matching Department does not want to use its own fiscal money for other urban construction, so the Provident Fund's off-site loans are worried about touching their own cheese. In addition, talents usually come from third- and fourth-tier cities, and workers in first- and second-tier cities have a strong desire to buy houses. Provident fund management and tax revenue, in some centers, have tens of millions, and in many cases, hundreds of millions or billions are used to support local housing security and shantytowns. Many people do not want their funds to be used by other cities when renovating their houses.

3. The central funds of the housing provident funds of various cities. The provident funds of some cities have exceeded the red line of fund use and even reached as much as 110 (of course, borrowing from commercial banks). Even local housing provident fund depositing employees who apply for housing loans cannot meet the requirements of local depositing employees who apply for loans from other places.

1. Due to various reasons, many people will consider buying a house in another place. Those who have limited time and energy often cannot fully consider it. However, for example, some home purchase policies are different in each city. Some home buyers will consider using provident fund loans to buy houses in other places. So can provident funds not be used to buy houses in other places?

2. Buying a house in another place means that the city where the buyer buys the house and the city where the provident fund is deposited are different. Although the interoperability policy of provident fund loans has been implemented in some cities, most cities are still unable to apply for provident fund loans.

If the home buyer checks with the bank applying for the provident fund loan, see if he or she is

3. Even if you cannot apply to buy a house, you can still apply and provide the invoice, loan contract, house purchase contract, ID card and other information. If you want to buy a house, you can apply for it. Second-hand houses also require a title certificate, etc.

3. Why off-site provident fund loans are not allowed

The reasons why off-site provident fund loans are not allowed are as follows: 1. The process of housing provident fund off-site loans is too complicated. We pay at the local housing provident fund center, which is responsible for reviewing the payment and application for loans. The application center is responsible for the business of housing provident fund off-site loans, including consultation, acceptance, review, issuance, recovery, change and post-loan management. A series of processes. 2. Conflicting interests of local housing provident fund management agencies. The Housing Provident Fund Management Center is under local management, and the fiscal matching part is also fiscal matching at this level. No one wants to use their own fiscal money for other urban construction, so provident fund loans in other places are worried about touching their own cheese, and they are worried. 3. The fund pools of each provident fund center are different. The central fund utilization rate of housing provident funds in some cities is less than 60%, while in some cities the provident fund has exceeded the red line of fund utilization and even reached as high as 110% (loans from commercial banks). The conditions for housing provident fund home purchase loans in other places are as follows: 1. If the housing provident fund has been paid in full and continuously for more than 6 months, you can apply for a housing provident fund personal housing loan. For those who have paid housing provident funds in other places and paid in the current place of deposit for less than 6 months, the payment time can be calculated based on the payment certificate issued by the housing provident fund management center of the original place of deposit; 2. Housing provident fund loans are for Housing provident fund loans cannot be issued to deposit-paying employees who purchase their first self-occupied house or a second improved ordinary self-occupied house, and to households of deposit-paying employees who purchase their third or more homes; 3. The housing provident fund individual housing loan issuance rate is lower than In 85-district cities, the loan amount for the first owner-occupied house should be appropriately increased based on local commercial housing prices and per capita housing area; 4. Employees must hold a deposit certificate issued by the housing provident fund management center of the place of employment and submit it to the place of household registration. The housing provident fund management core applies for housing provident fund personal housing loans. Legal Basis Article 24 of the "Housing Provident Fund Management Regulations": Employees may withdraw the balance in their housing provident fund accounts if they have any of the following circumstances: (1) Purchasing, constructing, renovating, or overhauling self-occupied housing; (2) ) Retirement or retirement; (3) Completely losing the ability to work and terminating the labor relationship with the employer; (4) Leaving the country to settle down; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income .

4. Why can’t I buy a house with provident funds from other places?

Housing provident fund loans generally cannot be used to purchase houses in other places. Because according to the "Housing Provident Fund Management Regulations", housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

First, if you want to withdraw the provident fund to buy a house in another place, you can use the original real estate certificate or the purchase contract plus an invoice (deed tax payment certificate) after purchasing the house, and entrust the person in charge of the unit to withdraw it from the Municipal Housing Provident Fund Management Center Provident Fund;

Secondly, if you use a provident fund loan to buy a house in another place, if you pay the provident fund in the locality, you should consult the provident fund center where the house is purchased to see if it can be done. If you pay the provident fund in another place and buy a house in another place, You can apply for a loan at the city’s Housing Provident Fund Management Center.