More and more "migratory birds" wander between different cities, work in other places and pay the provident fund in other places. The provident fund paid in the field a year ago can't be used, so it's difficult to take it out. At best, it can only make you addicted to your eyes.
However, with the promotion of personal housing loans in different places, the provident fund is no longer a "sleeping beauty", and it is very convenient to withdraw and lend flexibly in different places. To the delight of Guangzhou citizens, Guangzhou is one of the 18 cities that can realize off-site loans at present. Xiaolin, a post-80 s girl who works in Shenzhen and pays the provident fund in Shenzhen, just repaid the loan last month. She told reporters that the procedures were not complicated, the approval speed was faster than expected, and the loan was smooth.
These cities can realize nationwide off-site loans.
In September last year, the Ministry of Housing and Urban-Rural Development issued the "Notice on the Operation of Personal Housing Loans from Housing Provident Funds in Different Places", requiring local provident fund management departments to promptly introduce detailed rules for loans from different places. According to the information provided by Rong 360 Research Institute, as of May this year, * * * a total of Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan, Urumqi, Guiyang, Xining, Hangzhou, Yinchuan, Xiamen, Fuzhou and other 18 cities and regions across the country can obtain national off-site loans.
Guangzhou is one of the cities that can realize off-site provident fund loans. Since last year1October 26th 10, Guangzhou Provident Fund Center has stipulated that registered citizens in Guangzhou who have paid provident fund in other places can apply for provident fund loans from Guangzhou Housing Provident Fund Management Center when they buy their own houses in Guangzhou. For the "migrant birds", no matter where they work and pay the provident fund in the future, they don't have to worry about not using this money.
However, the Yangcheng Evening News reporter learned that employees who want to apply for provident fund loans in different places in Guangzhou must meet three conditions at the same time: first, Guangzhou registered employees who have paid provident fund in other places buy self-occupied housing in Guangzhou; Second, the unused provident fund mortgage or the first provident fund mortgage has been settled; III. Meet other application conditions of Guangzhou housing provident fund loan and relevant regulations of Guangzhou on house purchase.
Among them, how to interpret the third point "meeting other application conditions of Guangzhou housing provident fund loan and relevant regulations of Guangzhou housing purchase"? The Yangcheng Evening News reporter learned that the main requirement is the qualification of the lender. One of the more important points is that the housing provident fund has been paid in full for more than 6 months (inclusive) when applying for a loan, and the credit is good. Lenders here should pay special attention to the fact that the amount of provident fund paid in half a year should be enough and cannot be broken in the middle. At the same time, it is best for the lender to have no record of defaulting on credit card repayment within half a year, because the requirements for credit reporting of provident fund loans are still relatively high.
The examination and approval procedures for loans from different places in Guangzhou are simpler than expected.
The procedure of applying for a loan in Guangzhou by depositing provident fund in different places is not complicated. Compared with local deposits and local loans, it needs to go through three more processes:
1. Employees apply to the management center for depositing urban housing provident fund, and the management center for depositing urban housing provident fund will issue certificates for depositing and using housing provident fund for employees with foreign loans.
2. The employee submits the certificate of deposit and use of the employee housing provident fund for off-site loans to Guangzhou Housing Provident Fund Management Center.
3. Guangzhou Housing Provident Fund Management Center is responsible for verifying the authenticity and integrity of the deposit and use certificate of housing provident fund for employees with loans from different places to the Municipal Housing Provident Fund Management Center, and handling loan approval procedures for employees with loans according to regulations.
Simply put, apply at the workplace, complete the verification in Guangzhou, and dock well. Other processes are the same as local deposits and loans in Guangzhou. If the docking is good, you only need to run twice more.
At the end of last month, Xiaolin, who works in Shenzhen and pays the provident fund in Shenzhen, experienced the approval speed of Guangzhou housing provident fund. She told the Yangcheng Evening News reporter that it was simpler and more convenient than expected.
Xiaolin applied to Shenzhen Provident Fund Management Center, issued a deposit certificate and a personal deposit list, and then went to Zhujiang New Town (Tianhe Management Department, Huajiu Road 12, Zhujiang New Town, Tianhe District, Guangzhou). She doesn't need to get the number in the registration hall on the first floor, but goes directly to the fourth floor to see the window for handling off-site loans. There are not many citizens here to handle affairs. Kobayashi only needs to hand over the deposit certificate, personal deposit list, original ID card and original household registration book to the clerk. After the salesman examines the input information and seals it, she will hand over the upper part of the deposit certificate with the official seal to the lender, who will then hand it over to the lending bank. The whole process only took about five minutes.
Then the second half of the deposit certificate will be sent back to Shenzhen Provident Fund Center by Guangzhou Housing Provident Fund Center, and both parties will notify the bank to lend money after review. Finally, the lending time is not much different from the approval speed of Guangzhou housing provident fund, and it can be completed in almost two months.
Lenders need to prepare materials.
1. Certificate of deposit and use of employee housing provident fund with foreign loans issued by the center where the borrower and spouse deposit, and details of deposit in the last 6 months (signature);
2, individual housing provident fund loan application form (original);
3. Valid certificates such as resident ID card and household registration book (original and 2 copies);
4. Proof of marital status (original and 2 copies);
5, the purchase contract, the first purchase invoice or receipt, deposit receipt (with the original and 2 copies);
6. Income certificate and mortgage account (the mortgage account provided by the borrower must be a local bank account opened with 18 ID card, with two originals and copies);
7. Real estate registration inquiry certificate and personal credit report under the name of the individual (original);
8. Other documents and materials required by the undertaking bank (original and 2 copies).
Policy of off-site loan of provident fund in first-tier cities
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Beijing nationals working in other places and non-Beijing nationals working in Beijing can apply for provident fund loans in different places.
Beijing stipulates that from the date of 20 15 1, Beijing registered employees who have paid housing provident fund in other places can apply for loans from Beijing Housing Provident Fund Management Center on the basis of the payment certificate issued by the housing provident fund management center in their place of employment. On 20 15 12 16, Beijing Housing Provident Fund Management Center issued a draft of the Notice on Further Standardizing the Withdrawal of Housing Provident Fund, in which it was proposed for the first time that non-Beijing employees who work in Beijing and pay the provident fund can apply for using the provident fund to purchase houses at their domicile.
In other words, people who are registered in Beijing and work in other places can apply for provident fund loans from Beijing Housing Provident Fund Management Center when they return to Beijing to buy a house. Foreign household registration, working in Beijing, can apply for provident fund loans at the housing provident fund management center where the household registration is located.
Buying a house in other provinces can apply for a provident fund loan in different places.
Shanghai
Shanghai Provident Fund Center stipulates that starting from 20 15 12 1, the local provident fund will be paid to buy houses in other provinces and cities; Or deposit the provident fund in different places and buy a house locally, you can apply for a provident fund loan from Shanghai Housing Provident Fund Management Center.
Shenzhen residents registered in other places can apply for provident fund loans in different places in Shenzhen.
Shenzhen
Shenzhen stipulates that from August 1 2005, employees who have paid housing provident fund in different places and have been paying in Shenzhen for less than 6 months continuously shall pay according to the payment certificate (including payment details) issued by the housing provident fund management center of the original place of deposit. If the registered employees in Shenzhen are employed in different places and pay the housing provident fund, they can purchase the first set of self-occupied housing in this city with the payment certificate (including supplementary payment) issued by the housing provident fund management center in the place of employment.
Overview of loan quotas in various places
Beijing, Shanghai, Guangzhou and Shenzhen
Husband and wife 1.2 million 1.2 million 1 900,000.
Individual 65438+200,000,600,600,500,000
(The above answers were published on 20 16-07-04. Please refer to the actual situation for the current purchase policy. )
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