1. Having an urban permanent residence means that the residence must be a permanent residence within the jurisdiction of Shanghai (Huangpu, Luwan, Xuhui, Changning, Jing 'an, Putuo, Zhabei, Hongkou, Yangpu, Baoshan, Minhang, Jiading, Pudong New Area, Nanhui, Fengxian, Songjiang, Jinshan, Qingpu 18 and Chongming County).

2. The above article was loose a few years ago, but since the end of 2009, the macro-control of housing policy and the tightening of monetary and fiscal policies have made various places, especially the first-tier cities with super-large housing (Beijing, Shanghai, Shenzhen and Hangzhou), have successively introduced a series of measures to restrict the purchase of urban housing, one of which is that the household registration must be strictly local. As long as it is not a local hukou, it is impossible to buy a house in full at one time, let alone apply for a housing provident fund loan to buy a house, and the hope is even smaller.

3. If you work in Shanghai for a long time (official unit), it is recommended to apply for a residence permit in Shanghai first, then apply to the Shanghai Housing Provident Fund Management Center for the transfer of housing provident fund deposit (from the original place of work to the place of work in Shanghai), and then apply for a housing provident fund personal loan to buy a house.

4. If you (1) only work in Shanghai temporarily or engage in freelance work without a residence permit; (2) The place where the housing accumulation fund is paid (3) The place where the household registration is located is not in the jurisdiction of Shanghai. It is basically impossible to apply for a personal loan for housing provident fund in Shanghai. If article (1) can be changed, and the personal account of housing provident fund is still in the original place of work, let's see if we can apply to Shanghai Housing Provident Fund Management Center for housing provident fund loans in different places.

Interpretation of Control Standards for Housing Provident Fund Loans to Purchase Houses in Different Places

A foreign provident fund depositor with a fixed job, stable income, a monthly deposit of housing provident fund above 500 yuan and a balance of personal provident fund account above 20,000 yuan can apply for a personal provident fund loan at the housing provident fund management institution where the house is purchased with the certificate of provident fund deposit issued by the housing provident fund management department and the certificate of no second suite issued by the real estate property right registration management department where the household registration is located.