Legal analysis: housing provident fund can buy a house in different places. Mainly from the loan conditions and objects, employees with different loan conditions need to pay the housing provident fund in full for more than 6 months before they can apply for individual housing loans from the housing provident fund. Judging from the object of provident fund loans in different places, it is necessary to buy the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. 20 15, 15, the Ministry of Housing and Urban-Rural Development of the People's Republic of China issued the Notice on the Operation of Individual Housing Provident Fund Loans in Different Places, which also clarified the process of housing provident fund loans in different places.

Legal basis: Notice on the operation of housing provident fund for individual housing loans in different places.

1, the 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;

2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For the paid employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they shall be issued with certificates of deposit and use of housing provident fund loans in different places;

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; 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;

4. During the repayment period 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 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 the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.