Legal subjectivity:

Housing provident funds can be used to buy a house with a loan in another place.

The general provident fund off-site loan processing process is as follows:

1. The loan city provident fund center accepts employees’ off-site loan business consultation and informs them of the required review materials for the loan at one time.

2. The employee himself or his client submits an application to the city provident fund deposit center. The city provident fund deposit center will verify the employee's deposit and loan status based on the employee's application, and provide personal housing loans or unused housing provident funds. Employees whose first personal housing provident fund housing loan has been settled shall issue a "Certificate of Housing Provident Fund Payment and Use for Employees Loaning from Other Places".

3. After the Loan City Provident Fund Center accepts the employee's off-site loan application, it will verify the authenticity and completeness of the information in the "Certificate of Payment and Use of Housing Provident Fund for Employees in Off-site Loans" with the City Provident Fund Payment and Deposit Center. If the verification is correct, the loan review and approval procedures should be completed within the specified time limit, and the results should be fed back to the city provident fund center.

4. If the personal housing provident fund account of the depositing employee is transferred during the loan repayment period in another place, the original paying city provident fund center should promptly notify the lending city provident fund center and the transferred city provident fund center. The transferred urban provident fund center should re-identify and record the off-site loan status in a timely manner after receiving the employee housing provident fund account. The law is objective:

"Housing Provident Fund Management Regulations"

Article 26

Employees who have paid housing provident funds shall not When you live in a self-occupied house, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant;

If a loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.

Regulations on the Administration of Housing Provident Fund

Article 27

Applicants applying for housing provident fund loans shall provide guarantees.