1. What are the conditions for buying a house with a provident fund loan in different places?
1. If the housing provident fund has been paid in full for more than 6 months (inclusive), you can apply for a personal housing loan from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.
2. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Households of paid employees who purchase the third and above houses cannot issue housing provident fund loans.
3. In cities divided into districts where the personal housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan amount shall be appropriately increased according to the local commodity housing price and per capita housing area.
4. Employees must hold the deposit certificate issued by the housing provident fund management center in the place of employment and apply for housing provident fund personal housing loans to the housing provident fund management center where the household registration is located.
2. What is the loan process of provident fund in different places?
1, business consulting
Due to the differences in loan business in different cities, employees should consult the provident fund management center in their city when handling loan business in different places, and the provident fund management center will inform the loan review materials at one time.
Step 2 submit an application
Employees themselves or their clients apply to the urban provident fund deposit center, and the deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose loans for the first time have been settled.
Step 3 verify information
After the loan city provident fund center accepts the employee's application for loan from different places, it shall verify the authenticity and completeness of the information in the "Certificate of Use of Housing Provident Fund" deposited by the employee with loan from different places to the city provident fund center. After verification, the loan approval procedures shall be handled within the prescribed time limit, and the results shall be fed back to the deposit city 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.
4. Identify and record the loan situation.
During the repayment 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.
Step 5 repay the loan
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. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment.