Handling process of housing provident fund loans in different places:

(a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time.

(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.

(3) 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. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.

(four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify 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.

(5) 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, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.

Legal basis: Regulations on the Management of Housing Provident Fund

Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts.

Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

How to handle provident fund loans in different places

The main process of provident fund loans in different places is as follows: 1. Loan consultation. It is best to directly consult the provident fund management center applying for loans to see whether it is allowed to apply for provident fund loans in different places, and if so, what conditions are needed, what materials need to be prepared, and so on. The provident fund policies vary from place to place, so it is recommended to go directly to the provident fund center for consultation. 2. Loan application After confirming that the local provident fund management center can handle the off-site loan of the provident fund, you can begin to prepare to submit the off-site loan application to the management center that paid the provident fund. After the application is confirmed by the staff, the staff will issue a certificate of deposit and use of the housing provident fund for the employees who have borrowed from different places. 3. Submitting information to apply for a loan at the local provident fund management center requires the preparation of information such as ID card, house purchase contract, and certificate of deposit and use of the housing provident fund for employees who have borrowed it. Staff will review the information to confirm its authenticity and completeness. 4. After handling the loan accumulation fund and reviewing the materials, wait patiently for the accumulation fund to lend money. 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.

What is the loan process of provident fund in different places?

If you want to apply for provident fund loans, consulting in advance is a crucial step. Because there are some differences in provident fund loan policies in each region, if you apply for provident fund in different places, you should be fully prepared. Let's take a look at the loan process of the off-site provident fund!

1. Business consulting

Because there are differences in handling provident fund loan business in each city, you should go to the provident fund management center in your own city for consultation. Of course, the provident fund management center will also tell you the materials you need to carry for the loan.

Submit application

You can apply to the urban provident fund deposit core with the required materials, and then the provident fund management core will issue certificates of housing provident fund deposit and use for employees who have borrowed.

Verify information

When accepting your loan application at the core of the provident fund in your loan city, the integrity and authenticity of the deposit and use certificate of the employee housing provident fund in the deposit city with foreign loans will be verified. As long as the audit is correct, the results will be fed back to the core of the provident fund paid by this city.

4. Identify and record the loan situation.

Deposit workers need to use the provident fund loans in different places, must first transfer the housing provident fund personal account. At this point, the city that originally paid the provident fund must truthfully inform the core of the loan city provident fund. At the same time, after accepting the employee housing provident fund account, the city transferred to the provident fund must re-record and mark the loans in different places in time.

repay the loan

If the provident fund in different places is in loans overdue, the core of paying the urban provident fund should cooperate with the loan collection in the loan city.

Editor's summary: The above introduces the relevant contents of the provident fund loan process in different places, hoping to give you some little help. If you need to know more about provident fund loans in different places, you can lock our website again, and more exciting content will be presented later!