First, the purchase of houses with provident fund loans from different places.
According to the relevant policies of Beijing housing provident fund, the housing provident fund paid in Beijing at this stage cannot be loaned to buy a house in a different place, but it can be withdrawn after buying a house in a different place.
(1) Employees who have paid the housing provident fund in Beijing can apply for withdrawal of the provident fund after buying a house in other places. If they have co-branded cards, they can also withdraw them monthly, quarterly and annually.
(2) Foreign workers who work in Beijing and pay the housing provident fund on a monthly basis can apply for monthly withdrawal of the provident fund through their own units after purchasing real estate in other places, and enjoy the same treatment as citizens who buy local houses.
In addition, citizens who buy houses in different places can still apply for provident fund loans even if they withdraw all their provident funds from their personal accounts after buying houses in Beijing, as long as they meet the relevant regulations.
At present, the provident fund centers in various places are relatively independent, and there are no interconnected offices. At present, Beijing Provident Fund Center cannot handle provident fund loans for such people who buy houses in different places.
Second, after buying a house in a different place, withdraw the provident fund.
According to the current withdrawal policy of Beijing housing provident fund, Beijing housing provident fund can be withdrawn after buying a house in a different place.
According to the Notice of Beijing Housing Provident Fund Management Center on Further Strengthening the Management of Housing Provident Fund Extraction, J.F.F.F.No. 20 14 14, strengthen the management of housing extraction in different places:
When an employee applies for buying a house in a province or city other than Beijing, in addition to submitting relevant materials according to the existing regulations of the management center, the unit where the employee works shall fulfill the verification obligation and issue the Certificate of Purchase of a House by an Employee in a Different Place, and the employee shall issue a certificate of payment of basic old-age insurance by the unit. If the main qualification of the employee's unit does not exist, the villagers' committee, residents' committee or property department where the house is located shall issue the Certificate of Purchase of the Employee in Different Places.
In principle, the withdrawal of housing provident fund shall be handled by the unit manager. Workers' housing provident fund is transferred to households with clear information and centralized storage, which can be handled by individuals with corresponding certificates and extraction materials.
Because the basic materials provided by the new house and the second-hand house are slightly different, you can pay attention to the official account of Beijing Provident Fund WeChat on WeChat, and the micro signal is bjgjjgzh.
It contains the information you need! You can also ask questions on the official WeChat account, which is very convenient! This is what I learned from it!
I hope I can help you!
Second, can Beijing's provident fund buy a house in other places?
Beijing's provident fund can buy a house in other places, and the following conditions need to be met: 1. The applicant purchases a house at the place where the household registration is located, and the applicant must be the owner or * * * someone of the house purchased; 2. The applicant has paid the provident fund continuously and normally for at least six months; 3. The applicant and spouse have no outstanding provident fund loans. 1. The cash withdrawal process of housing provident fund is as follows: 1. The employees of the unit may apply to the unit where they work to withdraw the provident fund, and the unit shall go through the formalities for withdrawing the provident fund; 2. Employees who meet the conditions for withdrawing the provident fund may submit relevant certification materials to the unit, which will verify and issue a certificate for withdrawing the provident fund; 3, the unit to extract proof and related materials, to the housing provident fund management center to apply for extraction of employee housing provident fund storage balance. 2. The requirements for housing provident fund withdrawal are as follows: 1. Non-registered employees in this Municipality terminate their labor relations with their units, and are not employed in this Municipality and leave this Municipality; 2, enjoy the minimum living guarantee for workers in the city; 3. Some employees lose their ability to work, causing serious difficulties in life; 4. The employee suffers from special diseases stipulated by the Labor and Social Security Department of Fujian Province because of himself, his spouse, parents and children. In short, Beijing's provident fund can buy a house in a different place. This situation belongs to the off-site provident fund loan. First, the customer applies to the management center where the provident fund is deposited, and the management center of the deposit place issues the certificate of deposit and use of the housing provident fund for employees with foreign loans, and then brings the certificate and related materials to the provident fund management center of the loan city to apply for foreign provident fund loans. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
3. Can Beijing Provident Fund borrow money from other places to buy a house? What are the rules?
can
I. Application conditions
1. The applicant must purchase an owner-occupied house in the local household registration and be the owner or owner of the house purchased.
2, the applicant must be normal and full deposit housing provident fund for more than six months.
3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid)
4 to provide the guarantee procedures approved by the city housing provident fund management center.
5. Meet other conditions for housing provident fund loans.
Second, the application materials
1. Housing provident fund deposit certificate provided by Beijing Housing Provident Fund Management Center. (Both parties are non-Beijing couples who have paid housing provident fund in Beijing, and they need to provide; Original 1 copy is kept by the center, and the certification format is provided by Beijing Housing Provident Fund Management Center)
2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (One original and one copy, with a copy of the original inspection)
3. Other information is the same as the normal housing provident fund loan.
Third, the handling process
1, ask for the form. Loan applicants can go to the Beijing Housing Provident Fund business outlets for consultation and obtain the housing provident fund deposit certificate, which can also be downloaded from the Bank's housing provident fund network.
2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.
3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.
4. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit.
5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (During the teller's internal operation, the occupation of employees who have paid housing provident fund in different places should be entered into the column of the applicant's occupation in the borrower's data table in the system. )
4. Can Beijing Provident Fund borrow money from different places to buy a house? Is the country connected to the Internet?
Beijing provident fund can be loaned in different places.
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, which clarified the relevant procedures for handling personal housing loans from housing provident funds in different places and refined the loan business rules.
The notice pointed out that the deposit city provident fund center is responsible for reviewing the employee's deposit and loan situation, issuing a written certificate to the loan city provident fund center, and cooperating with the loan city provident fund center to verify relevant information. The loan city provident fund center and the entrusted bank are responsible for the write-off, distribution, recovery, change and post-loan management in different places, and bear the loan risks.
From 20 15 65438+ 10/0/,Beijing's registered employees who have paid housing provident fund in other places will buy the first set of payment certificates issued by the housing provident fund management center in Beijing and pay the housing provident fund to Beijing.
The process for local depositors in Beijing to purchase houses in other provinces and cities to apply for housing provident fund deposit certificates.
1 and depositors of 9 urban management departments (management departments of Fangzhuang, Dongcheng, Xichengtai, Shijingshan, Zhongguancun and West Railway Station)
First go to Beijing Housing Provident Fund Loan Center and issue the Certificate of No Housing Provident Fund Loan.
Once again, he holds the "No Housing Provident Fund Loan Certificate" and the blank housing judicial department.
The Management Department shall fill in the information on the Certificate of Loan without Housing Provident Fund and affix the business seal of the Management Department.
2. 10 depositors of suburban county administrative departments (Fangshan, Mentougou, Daxing, Tongzhou, Shunyi, Pinggu, Miyun and Changli)
Apply directly to the account management department, and the management department will complete the standard housing provident fund deposit certificate and affix the business seal of the management department.
develop
Materials for purchasing a house with provident fund loans from different places:
1 Employees of the housing provident fund can apply for individual housing provident fund loans from the counties where the housing is filed when they buy their own houses in Beijing.
2. Materials required for purchasing commercial housing (pre-paid housing and existing housing) provident fund personal housing loan: a copy of the household registration book and ID card of the borrower and spouse.
Proof of marital status (marriage certificate provided by the married person; Divorcees provide divorce documents/judgments).
Copy of loan repayment account. Personal credit report.
3, the borrower housing provident fund deposit certificate and deposit details.
Registered commercial housing sales contract.
Copy of down payment bank statement.
When applying for an existing housing loan, you also need to provide a copy of the borrower's housing ownership certificate and state-owned land use certificate.