Provident funds can be borrowed from different places to buy houses. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:

The loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for the loan at one time.

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.

After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal 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.

During the loan repayment period, if the individual 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.

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.

2. Which cities support off-site provident fund loans?

Can buyers who want to apply for housing provident fund loans in different places know where they can apply for housing provident fund loans in different places? Now many employees who normally pay the provident fund want to use the housing provident fund to apply for housing loans in their work areas or hometown. With the promotion of housing provident fund loan policy in different places, which areas have implemented this policy? How do experts view the implementation of housing provident fund loan policy in different places? Let's take a look. Beishangguangshen and Shenzhen have fully implemented provident fund loans in different places. Guangzhou requires the city's household registration as of April 5, 20 16. Guangzhou, Guangzhou and Shenzhen fully implement the provident fund loan policy, and the Guangzhou housing provident fund loan policy is only implemented between household registration in this city. Other regions also put forward special requirements for household registration. In addition to Guangzhou, Changchun, Harbin, Chengdu, Shijiazhuang, Guiyang, Qingdao, Luoyang and Kunming in Hainan Province all have requirements for the borrower's household registration (household registration in this city). Yinchuan stipulates that the object of housing provident fund loans in different places must be non-agricultural household registration in Ningxia. List of the implementation of provident fund loans in different places in 35 regions of China. Regional remarks support provinces and cities with different loans in the region, such as Hangzhou, Qingdao, Shenyang, Changchun, Jinan, Luoyang, Hefei (mutual loans with Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei), Xi, Kunming, Yinchuan and Lanzhou. Note: Changchun, Qingdao, Luoyang and Kunming require local household registration. Yinchuan requires Ningxia's non-agricultural household registration to support different cities in China, such as Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu and Guiyang, Hainan Province (trial period 1 year from August 2065, 438+05). Xining Note: Guangzhou, Harbin, Chengdu and Shijiazhuang. Note: Nanning and 2 1 provincial (district) provident fund centers including Guangxi have realized loan intercommunication, and can purchase houses in provincial capitals. This result is the monitoring result of Nanjing, Suzhou, Zhengzhou, Dalian, Xiamen, Fuzhou and Hohhot, where housing provident fund loans have not yet been realized. Specific to the actual announcement of the local provident fund management center. Experts' views on housing provident fund loans in different places are as follows: significant benefit or limited impact 1, operational obstacles. In the process of inter-provincial housing provident fund loans, there are two obstacles: first, whether to put money in various places; Second, the question of qualification examination. 2. After the policy of off-site loans affecting limited housing provident fund was fully liberalized, relevant experts said that "supporting off-site loans of provident fund is conducive to boosting the property market, but the actual positive impact is small". 3. It is difficult to land. Although there are many "benefits" in different places, it remains to be studied whether the actual effect can be received. 4. The favorable opinions of experts may bring some benefits to third-and fourth-tier cities, because more people will go back to their hometown to buy houses.

Three. Which cities support provident fund loans in different places? The latest policy of provident fund loans in different places 20 17

The Ministry of Housing and Urban-Rural Development clearly stipulates that provident fund loans in different places shall be handled according to the following procedures: the loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the audit materials required for loans at one time; Employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled; After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places; During the loan repayment period, if the individual 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; 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. Materials required for applying for provident fund loan: commercial housing sales contract (original1); Household registration book (home page, household registration book home page and personal page) and marriage certificate (1 original marriage certificate, divorce certificate or divorce judgment) of the applicant and spouse; Unmarried certificate of unmarried persons (1 original inspection); Singles need to provide the marriage certificate of the company (original 1 copy); Bank personal settlement account passbook (2 copies, original inspection); Down payment voucher (1 original inspection); The applicant's valid identity certificate (2 originals must be received and printed on the front and back); Spouse ID card (copy 1 original to be inspected).

Four. Which cities support provident fund loans in different places? The latest policy of provident fund loans in different places 20 17

In order to further promote the development of provident fund personal housing loan business and support the demand of paid employees to buy houses in different places, the Ministry of Housing and Urban-Rural Development recently issued the Notice on the Operational Issues Related to Personal Housing Loan of Housing Provident Fund (hereinafter referred to as the Notice), which clarified the division of responsibilities and operational procedures of mutual loan of provident fund in different places, and required local provident fund management departments to issue detailed rules for loans in different places in time, and marked the information exchange system of loans for residential construction land.

The "Notice" is a refinement of the requirements for customs clearance and mutual lending in the "Notice on Developing Personal Housing Loan Business of Housing Provident Fund" jointly issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China last year. The "Notice" pointed out that the deposit city provident fund center is responsible for reviewing the employee's deposit and issuing a written certificate of loan, and cooperating with the loan city provident fund center for verification. The provident fund center and the entrusted bank are responsible for the business consultation, acceptance, review, issuance, recovery, change and post-loan management of off-site loans, and undertake

Which cities have been liberalized since the New Deal?

Beijing

Last week, Beijing Housing Provident Fund Management Center also issued a notice that Beijing's housing provident fund will be distributed to employees, and employees will buy houses in other provinces and cities and apply for loans. Need to issue provident fund, issued by the department.

Shanghai

Shanghai Provident Fund Center responded to provident fund loans from different places: no notice was received.

Guangdong

In May, Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, Dongguan and Zhaoqing Housing Provident Fund Management Centers signed the "Guangdong Pearl River Delta Urban Housing Provident Fund Loan Cooperation Agreement", which realized mutual housing provident fund loans in eight cities in the Pearl River Delta.

Chongqing

According to Chongqing Provident Fund Center, if employees from different places who are employed in our city and pay housing provident fund purchase housing at their place of residence, the municipal provident fund management center will issue a certificate of housing provident fund deposit for them.

Shandong (province)

Land loan business before the end of 20 15.

Zhejiang Province

The Construction Department of Zhejiang Province recently issued the "Zhejiang Housing Measures". Since September 1 day, the housing provident fund management center where the housing provident fund is normally deposited has applied for loans from different places.

Nanjing

Although the loan in different places is good, the relevant person of Nanjing Temporary Provident Fund Management Center explained that the current inoperable period is closed, and cross-regional information communication and coordination is a big problem. It is difficult for the loan place to grasp the loan amount and duration, and it is difficult for the deposit place to grasp the housing dynamics. In addition, the Nanjing property market is hot, and the provident fund "pool" is in a hurry. Nanjing people need to "wait for loans" to buy a house, and it is difficult to spare the effort to meet loans from different places.

Central China triangle

Hefei, Wuhan, Changsha and Nanchang are accelerating the cooperation mechanism for the use of housing provident fund in different places. In the future, residents of the four cities are expected to apply for housing provident fund loans or withdraw provident fund to repay loans.

Significant positive or limited influence

At the operational level, there are two obstacles to using inter-provincial loans of housing provident fund: one is whether to put money in various places, and the other is qualification examination. Regarding the introduction of this policy, relevant experts said that "supporting provident fund loans in different places is conducive to boosting the property market, but the actual positive impact is small". Although there are so many "benefits" in different places, it is still worrying whether it can receive actual results. Experts said that to a certain extent, it may bring benefits to third-and fourth-tier cities, because more people will go back to their hometowns to buy houses.