The housing accumulation fund in Shenzhen can be used to buy a house in different places. The applicant and * * * the same applicant must meet the conditions that the housing provident fund has been paid in full and on time for 6 months and the account is normal; The family has no provident fund loan in this city or has paid it off; Has paid the down payment for house purchase; Agree to provide the required guarantee; In line with national, provincial and municipal real estate market management policies; Meet other conditions stipulated by the provident fund management Committee. However, if a non-lineal relative * * * owns the property right, buys part of the property right share, buys and sells houses between employees and lineal relatives, and illegally pays the provident fund, he cannot apply for the provident fund loan.
Provisions on the use of provident fund:
1. conditions for withdrawal: certain conditions must be met for withdrawal of the provident fund, such as buying a house, decorating, renting a house, repaying the loan, etc.
2. Restrictions on use: the use of provident fund is usually limited by factors such as the purchase area and price;
3. Use in different places: In some areas, it is allowed to use the provident fund to buy houses in different places, but it must comply with the regulations of the local provident fund management center;
4. Extraction process: You need to submit relevant supporting materials to apply for the withdrawal of provident fund, and you can use it only after approval;
5. Tax impact: the withdrawal of provident fund may be affected by tax policies such as personal income tax.
To sum up, Shenzhen housing provident fund can be used to buy houses in different places, but the applicant must meet a number of requirements, including continuous deposit of provident fund for more than 6 months, normal account, no local provident fund loan or repayment, down payment, guarantee, compliance with relevant real estate policies and other conditions of the provident fund management Committee. At the same time, non-lineal relatives * * * will not be able to apply for provident fund loans if they own property rights, purchase part of property rights, make transactions between relatives or make illegal deposits.
Legal basis:
Regulations on the administration of housing provident fund
Article 5
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.