Provident funds can be borrowed from different places to buy houses. However, when applying, we must follow the standardized process.

For example, the relevant departments should review the loan deposit information when the loan is ready at one time, and issue certificates for the deposit and use of the housing provident fund for employees who have settled the unused housing provident fund or the first personal housing provident fund loan.

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 the transfer city provident fund center.

Matters needing attention in buying a house in a different place

1, understand the housing policy of local provident fund loans: different regions have their own housing policies, so if you want to buy a house in other places, you must first understand the local housing policies, such as purchase restrictions, taxes, mortgage interest rates, etc. In particular, if you buy a house with a loan from a different provident fund, you should also know the loan amount and loan conditions of the local provident fund.

2. Go to the local house in person: One of the main obstacles to buying a house in a different place is the long distance, which makes it inconvenient to know the housing situation at any time. However, if you entrust it to an intermediary because of the distance, it is not possible to go to the local house in person, because some houses can't find out the details without going to the field in person.

Can I apply for a loan from another place for housing provident fund?

You can apply for housing provident fund loans in different places.

1. You can apply for housing provident fund personal housing loan after paying the housing provident fund in full for more than 6 months. 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 core of the original deposit place.

2. The housing provident fund lender is a paid employee who purchases the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. Workers' families who pay for the third and above houses cannot issue housing provident fund loans.

3. Cities with districts where the individual housing loan issuance rate of housing provident fund is less than 85% should consider appropriately increasing the first set of self-occupied housing loans 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 core in the place of employment, and apply for the housing provident fund personal housing loan to the housing provident fund management core in the place where the household registration is located.

Extended data:

Apply for provident fund loan

1, business consulting

In view of the different loan business in different cities, employees should consult the provident fund management core of the city where they are located when handling the loan business in different places, and the provident fund management core will inform the loan review materials at one time.

Step 2 submit an application

The employee himself or his client applies to the urban provident fund deposit core, which verifies the deposit of employee loans according to the employee's application, and issues certificates 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.

Step 3 verify information

After accepting the employee's application for off-site loan, the core of the loan city provident fund shall verify the authenticity and completeness of the information in the use certificate of the employee's housing provident fund for off-site loan. If it is verified to be correct, it shall go through the loan examination and approval procedures within the prescribed time limit and feed back the results to the core of the deposit city provident fund.

4. Identify and record the loan situation.

If the personal account of the housing provident fund changes during the repayment of loans by paid employees in different places, the core of the original urban provident fund deposit shall promptly inform the core of the loan urban provident fund and transfer it to the core of the urban provident fund. After receiving the employee housing provident fund account, the core of urban provident fund should re-identify and record the loan situation in different places in time.

Step 5 repay the loan

In loans overdue, the urban provident fund deposit system should cooperate with the core of the urban provident fund to carry out loan collection and other work, and deduct the balance of the loan employee's provident fund account to repay the loan according to the loan contract.