Landlord: Hello, personal housing provident fund is used as a house purchase loan. For the time being, you can only apply for a house loan in the place where the provident fund is paid! You can't apply for provident fund loans outside Hangzhou! In other words, if you deposit the provident fund in city A, you can only apply for a provident fund loan in city A. But if you withdraw the provident fund after buying a house, you can withdraw it with the purchase invoice! In addition, no matter where your hukou is, you can buy a house anywhere! The provident fund loan in different places needs the agreement and networking of both parties in the same city. At present, it seems that only the provident fund management departments in Beijing and Qinhuangdao, Anshan, Fushun, Benxi, Yingkou, Liaoyang, Tieling, Fuxin and Shenyang, as well as eight cities in the Pearl River Delta (Guangzhou, Zhongshan, Foshan, Dongguan, Zhuhai, Jiangmen, Huizhou and Zhaoqing) have implemented mutual deposit and loan of provident funds. The specific operation needs to consult the provident fund management center of the city that pays the provident fund and the city that buys the house. Policies are subject to change at any time. In the past, basic old-age insurance could not be transferred, but now it can be transferred across provinces. For details, please visit the website of Easy Loan China:/? Pagedashi=gp327998627 understands that Tianjin and Baoding are not networked cities. If the landlord uses the provident fund to buy a house: this will do. First, pay the down payment "out of your own pocket", and then bring your ID card, household registration book, marriage certificate and other supporting materials to the housing provident fund management office to withdraw the storage balance in the provident fund or apply for a provident fund loan. Buy a house in Baoding, and then take the proof materials to Tianjin Provident Fund Management Office.

Second,

Third, can the provident fund in different places buy a house with local loans?

You can buy a house locally without a local provident fund.

If the local government supports the housing provident fund service to run across provinces, then the provident fund paid in different places can also be used to buy a house. Local provident fund does not support cross-provincial provident fund services, and apply for loans to buy a house locally. At present, only some cities support off-site housing loans. In addition, users can directly consult the local housing provident fund center to see if they can find the payment record of the provident fund in different places.

What are the procedures for housing provident fund loans to buy a house in different places?

1, loan consultation. First of all, the provident fund management center conducts business consultation, asking whether it is allowed to apply for provident fund loans in different places in the local area, and if so, what conditions and materials are needed.

2. Loan application. Apply for a provident fund loan, and then you need to submit an application for a loan from a different place to the management center where the provident fund is deposited. The staff will confirm the application and check whether the information is true. After confirmation, the staff will issue the Certificate of Deposit of Housing Provident Fund for Employees with Loans from Different Places.

3. Submission of materials. After submitting the information of provident fund loans and the use certificate of loans in different places, etc. To the provident fund management center where the loan is applied, submit the information to the staff, who will review the information to confirm its authenticity and integrity. At the same time, the management center that pays the provident fund will set up a detailed account of the loan situation in different places;

4. Apply for a loan. After the application for provident fund loan is approved, the provident fund center applying for the loan will repay the loan on time, and the provident fund management center deposited in this city will also cooperate with the loan provident fund center to urge the repayment.

How long does it take to apply for approval of provident fund loans?

Provident fund loans, loan approval takes 10-20 working days. The provident fund loan process is as follows:

1. The borrower submits personal application materials in the entrusted bank window of the loan service hall;

2. After the entrusted bank accepts and reviews the application, the management department issues the Notice on Review of Guarantee Application, and prints the loan contract, mortgage contract and other relevant legal documents.

3, the center for examination and approval;

4. The guarantee company handles the guarantee procedures and issues a guarantee commitment letter;

5. The borrower signs a loan contract with the bank with the letter of guarantee commitment;

6. The borrower shall go through the formalities of entrustment notarization;

7. The Center approves the issuance;

8. The entrusted bank issues loans.

Legal basis: Article 13 of the Regulations on the Administration of Housing Provident Fund.

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.

Article 21

The housing provident fund shall bear interest at the interest rate stipulated by the state from the date it is deposited in the employee housing provident fund account.

Article 22

The housing provident fund management center shall issue valid certificates for the employees who have paid the housing provident fund.

Article 23

The housing provident fund paid by the unit for employees shall be paid in accordance with the following provisions:

(a) the organs charged in the budget;

(two) institutions approved by the financial sector in the budget or expenses;

(3) Pi Meng enterprises are charged in the cost.