According to the latest national policy, the provident fund can be withdrawn from different places. However, the implementation situation varies from place to place, and it is necessary to consult the local provident fund center clearly.

The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued the Notice of the Ministry of Housing and Urban-Rural Development on Individual Housing Loans for Housing Provident Funds in Different Places, which relaxed the loan conditions for individual provident funds, and explicitly proposed in official website for the first time that mutual recognition of housing provident funds in different places would be realized.

The "Notice" clarifies that the housing provident fund lives in different places.

1, the audit materials required by the loan city provident fund center for accepting loans from employees in different places;

2. The employee himself or his/her client shall verify the employee's deposit loan to the municipal provident fund deposit center according to the employee's application, and issue the certificate of deposit and use of employee's housing provident fund for off-site loans to 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;

3 loan city provident fund center to accept the application for loans from different places, should be paid to the city provident fund center to verify the housing provident fund and integrity of employees with loans from different places.

4. During the repayment period of employee loans paid in different places, 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.

5. After being transferred to the urban provident fund housing provident fund account, record it.

Second, Luoyang affordable housing provident fund loan: both husband and wife are registered in the urban area, and the man is here. ...

Hello!

It should be possible. As long as the county where the man belongs belongs to Luoyang City and both husband and wife have no other bank loans outstanding, they can get loans.

Are you satisfied with my answer ~ ~

Third, Luoyang provident fund loan 2022 New Deal?

Luoyang's new housing provident fund loan policy is as follows:

1. The first set of housing loan policy will be implemented for families who use housing provident fund loans for the first time to purchase ordinary self-occupied houses (not the third or above houses). For both husband and wife who have obtained the first housing loan of housing provident fund in the name of one party, if the loan has been paid off after divorce, the party without housing can apply for housing provident fund loan to buy a house in accordance with the first housing loan policy.

2. For employees who have paid the housing provident fund outside the administrative area of Luoyang City and transferred to the housing provident fund management institution of Luoyang City to continue to pay, the time specified in the deposit certificate issued by the housing provident fund management center of the original place of deposit can be combined with the time paid in the center to calculate the deposit time, but the unpaid (stopped) time in the middle should not exceed 3 months in principle, and the account balance is not withdrawn at the time of transfer. Among them, those who have been deposited continuously in different places for 6 months are required to deposit 1 month or more in Luoyang Housing Provident Fund Management Center; If the deposit in different places is less than 6 months, it needs to be deposited in Luoyang Housing Provident Fund Management Center for more than 3 months (inclusive), and the actual deposit needs to reach more than 6 months (inclusive). The calculation of loan amount is determined according to the deposit amount of housing provident fund in this Municipality.

3. If the borrower's spouse normally deposits the housing provident fund outside the administrative area of Luoyang City, the deposit certificate issued by the housing provident fund management institution in the deposit place and the details of the deposit in the last 6 months shall be deemed as the deposit in this city, and the loan amount can be calculated together with the borrower.

Fourth, the new policy of Luoyang provident fund loan in 2022

1. The first set of housing loan policy will be implemented for families who use housing provident fund loans for the first time to purchase ordinary self-occupied houses (not the third or above houses). For both husband and wife who have obtained the first housing loan of housing provident fund in the name of one party, if the loan has been paid off after divorce, the party without housing can apply for housing provident fund loan to buy a house in accordance with the first housing loan policy. 2. For employees who have paid the housing provident fund outside the administrative area of Luoyang City and transferred to the housing provident fund management institution of Luoyang City to continue to pay, the time specified in the deposit certificate issued by the housing provident fund management center of the original place of deposit can be combined with the time paid in the center to calculate the deposit time, but the unpaid (stopped) time in the middle should not exceed 3 months in principle, and the account balance is not withdrawn at the time of transfer. Among them, those who have been deposited continuously in different places for 6 months are required to deposit 1 month or more in Luoyang Housing Provident Fund Management Center; If the deposit in different places is less than 6 months, it needs to be deposited in Luoyang Housing Provident Fund Management Center for more than 3 months (inclusive), and the actual deposit needs to reach more than 6 months (inclusive). The calculation of loan amount is determined according to the deposit amount of housing provident fund in this Municipality. 3. If the borrower's spouse normally deposits the housing provident fund outside the administrative area of Luoyang City, the deposit certificate issued by the housing provident fund management institution in the deposit place and the details of the deposit in the last 6 months shall be deemed as the deposit in this city, and the loan amount can be calculated together with the borrower. Legal Basis According to Article 1 of the General Provisions in Chapter 1 of the Measures for the Administration of Personal Housing Provident Fund Loans in Luoyang City, in order to standardize the management of personal housing provident fund loans (hereinafter referred to as provident fund loans) and support employees who have paid housing provident fund to purchase, build, renovate and overhaul their own houses, these measures are formulated in accordance with the Regulations on the Administration of Housing Provident Fund in the State Council and relevant regulations, and combined with the actual situation of our city. Article 2 Provident fund loans refer to special housing consumption loans that are paid to paid employees with housing provident fund as the source of funds and are used to purchase, build, renovate and overhaul owner-occupied houses. Article 3 Provident fund loans shall be based on the principles of combining deposit with loan, deposit before loan, zero repayment for one loan and loan guarantee. Fourth city housing provident fund management center (hereinafter referred to as the management center) is the city's provident fund loans management institutions, responsible for the examination and approval of provident fund loan applications, supervision of provident fund loan borrowing and settlement. Article 5 The management center entrusts commercial banks (hereinafter referred to as entrusted banks) to handle the financial business of provident fund loans, and supervise, assess and manage them. The entrusted bank is approved by the Municipal Housing Provident Fund Management Committee (hereinafter referred to as the Administrative Committee). Chapter II Object and Conditions of Loan Article 6 Employees who have paid in full for six months or more before applying for provident fund loans may apply for provident fund loans when purchasing, building, renovating or overhauling their own houses. The starting date of deposit shall be the date when the provident fund account is opened. If the employee is in arrears for less than 3 months (inclusive) due to work changes, and the unpaid housing provident fund has been replenished and resumed monthly deposit when applying for a loan, it can be regarded as continuous deposit. To apply for provident fund loans, the following conditions shall be met at the same time: (1) Having full capacity for civil conduct; (two) personal credit is good, have the ability to repay the loan principal and interest; (3) The house transaction is true, lawful and effective; (four) the construction, renovation of self-occupied housing, the borrower shall provide the construction, renovation of self-occupied housing project budget and planning, construction and other relevant departments of the approval documents; For the owner-occupied house under overhaul, the borrower shall provide the house ownership certificate, house safety appraisal certificate, project budget and other documents that meet the requirements of relevant management departments. (5) What down payment has been made according to the relevant national rescue policies: (6) Agree to guarantee according to the guarantee method approved by the management center; (seven) other conditions stipulated by the management center. Article 7 If an employee applies for provident fund loans (hereinafter referred to as borrowers) and is married, his/her spouse must be the same borrower. Article 8 Borrowers and their spouses may not apply for provident fund loans under any of the following circumstances: (1) There are outstanding provident fund loans; (two) the use of provident fund loans for the third time (inclusive) or more; (3) The purchased house is the third or above house under the name of the family (including minor children); (four) the purchase of spouse, children, my parents or spouse's parents housing; (five) within two years of divorce, the employee and the original spouse ask for the sale of housing; (six) the property right of the purchased house belongs to others other than the spouse and minor children. Chapter III Loan Amount, Term and Interest Rate Article 9 The maximum amount of a single provident fund loan is: 450,000 yuan for single employees, 550,000 yuan for dual employees, and 6,543,800 yuan for high-level talents recognized by our city. Changes in the maximum loan amount shall be decided by the CMC and announced to the public in a timely manner. The specific loan amount is verified and calculated as follows, and the lowest value is taken: (1) It is calculated according to the borrower's repayment ability; Monthly repayment rate ≤ X50 %； of the sum of the deposit bases of both husband and wife; (two) according to the personal account balance and deposit time; Loan amount = (balance of borrower's provident fund account and spouse's provident fund account) X 10 times x deposit time coefficient (if the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan); The comparison between deposit time (month) and deposit time coefficient is as follows: 6