1, to buy a house with a loan from a different place, you must first understand the local housing loan policy, such as tax payment records or social security payment records for one or two years. Different cities have different requirements, and those who decide to buy a house with a provident fund loan in different places must make full preparations in advance. Because once there are restrictions on buying houses, the policy requirements are all limited for one or two years, and it will not be solved for a while.

2. Credit information and income have been evaluated.

No matter where you apply for a mortgage, stable work, income and good credit are all important assessment criteria for bank approval. For people who buy a house with provident fund loans from different places, these assessments should be more stringent. At the same time, we will also consider whether the value of your house is consistent with your ability to repay the principal and interest, so as to fully reduce the capital risk of the bank.

3. The purchase materials are complete.

To buy a house with a provident fund loan from a different place, you should fully understand the bank's loan policies and requirements and prepare all the information needed by the bank. After all, it is very troublesome to do things in different places. This information can't be solved by express delivery or email, so we must be careful. The most important thing is to provide a valid purchase contract or agreement as a strong proof to the bank applying for a loan.

4. Having collateral or guarantor.

If you buy a house with a provident fund loan from a different place, you can provide other things as collateral or a loan guarantor besides the house itself. Only after confirming the validity and legality of the collateral, the authenticity of the appraisal certificate of the appraisal institution, the guarantor's consent guarantee and credit certificate can the bank give you a loan.

What is the process of buying a house with a provident fund loan in different places?

1, loan consultation

Property buyers need to consult the loan management center that applies for provident fund loans and ask whether you are allowed to apply for loans in different places locally, if so, what conditions are needed, what materials are prepared, and so on.

2. Loan application

Next, buyers need to submit an application for a loan in a different place to the management center that has paid the provident fund. The staff will confirm your application and see if the information you said is true. After confirmation, the staff will issue a certificate for you to use the housing provident fund for employees with loans from different places.

Step 3 Submit information

Property buyers need to bring their ID cards, purchase contracts, certificates for the use of loans in different places and other materials to the provident fund management center where they apply for loans, and submit the materials to the staff, who will review your materials to confirm their authenticity and integrity. At the same time, the management center where you deposit the provident fund will mark your off-site loans and establish a detailed account of off-site loans.

Step 4 apply for a loan

After the data is approved, the provident fund center that applies for the loan will go through the loan procedures for the buyers and give you the loan. You need to repay on time, and the city's provident fund management center will also cooperate with the loan provident fund center to urge you to repay.

What problems should I pay attention to when buying a house with a provident fund loan in different places?

1, be sure to consult in advance.

It is an essential step to consult in advance for provident fund loans in different places. The policy of off-site provident fund loan has not been introduced for a long time, so it may not be possible to apply for off-site provident fund loan. Please consult clearly in advance. For example, off-site loans in the province refer to employees whose household registration was originally in the loan city, but only worked in other cities in the province and paid the housing provident fund. When they return to their household registration, they can apply for off-site loans of the provident fund. At present, most cities support provincial provident fund loans in different places, and some cities have household registration requirements, such as Luoyang, Lanzhou, Kunming, Hefei and Ningbo. The national provident fund loan in different places means that employees who have paid the housing provident fund in any city in the country can go back to their domicile to apply for the housing provident fund loan in different places. However, at present, there are few cities that support the nationwide access to provident fund loans in different places, and there are no household registration restrictions, and the policies among cities are different. Cities with limited household registration include Beijing, Guangzhou, Shenzhen and Qingdao. Therefore, before applying, it is best for buyers to consult whether the provident fund management center of the deposit place can lend in different places. You also need to know the relevant policies of provident fund loans in different places, otherwise you may encounter many obstacles in the process of handling because of lack of necessary knowledge, and you are likely to fall into a trap.

2. Pay attention to the safety of funds

Generally speaking, when applying for provident fund loans in different places, the location is different from the place where you want to buy a house, which may lead to untimely information communication. At this time, you should pay special attention to the safety of funds, because you may not know immediately whether the other party is a real seller when you give the other party a loan.