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Can provident fund loan buy a house in another place? Procedures and procedures required for provide

The state requires companies to pay five insurances and one fund for regular employees, so now most workplace employees have five insurances and one fund, and one of the five insurances and one fund refers to the housing provident fund. When you need to buy a house, you can use one of the five insurances and one fund. But now many people work in different places, so the five insurances and one fund are also paid in other places through the company. Can you use the housing provident fund loan if you want to buy a house back home? The small part of this article is to answer the question whether the housing provident fund can buy a house with loans from other places, as well as the formalities and specific procedures required for using the housing provident fund to buy a house with loans from other places.

Provident fund loan to buy a house

Provident fund loans to buy housing, simply put, is the Z in the employment of the provident fund workers, registered residence A to buy a house, you can hold the Z provident fund deposit certificate, to A provident fund center provident fund loans.

Can provident fund loans for buying houses in different places?

Want to buy a house and choose provident fund loan? But can provident fund loans buy houses in different places? The answer is yes. Provident fund loans can buy houses in different places. The notice of the Ministry of housing and urban rural development pointed out that the paid urban provident fund is responsible for reviewing the payment and loans of employees, issuing a written certificate to the loan urban provident fund, and verifying the relevant information of the loan urban provident fund. The loan City provident fund and the entrusted bank are responsible for the business consultation, acceptance, review, issuance, recovery, change and post loan management of non local loans, and bear the loan risk. The loan urban provident fund and the paid urban provident fund shall regularly check the situation of loans in different places, and master the withdrawal, repayment, change and overdue situation.

Materials required by provident fund to buy a house in another place

1. Application approval form (stamped with the administrative seal of the unit) (3 copies);

2. Applicant's family and social relations questionnaire (3 copies);

3. Copy of house purchase contract (3 copies) and original for filing;

4. Two copies (3 originals) of the applicant's and spouse's ID cards;

5. Proof of employee housing provident fund deposit and loan (3 copies);

6. The applicant shall provide a copy of the ID card and contact number (3 copies) of a fixed contact who is resident in the administrative region and pays the housing provident fund in the center;

7. Photocopy of marriage certificate (unmarried, divorced, required to provide the home office of the registered residence of the borrower) (3 copies) original;

8. Monthly salary certificate stamped with the official seal of the borrower and spouse (for a monthly salary of more than 5000 yuan, a detailed statement of wages in recent 3 months stamped with the official seal of the unit shall be provided) (3 copies);

9. Copy of down payment receipt (3 copies);

10. Letter of authorization for personal credit investigation business (to be filled in at the counter, one for each husband and wife);

11. Credit report inquiry application form (to be filled in at the counter, one for each husband and wife).

In addition to the above materials, the non local loan households who purchase second-hand houses shall also provide evaluation reports (3 copies).

Provident fund loan processing process

1、 Loan consultation

First of all, you need to consult the provident fund management center that applies for loans, ask whether the local government allows you to apply for provident fund loans in other places, if so, what conditions are required, what materials should be prepared, etc.

2、 Loan application

Then, you need to submit an application for handling a non local loan to the management center where the provident fund is deposited. The staff will confirm your application to see whether the information you have stated is true. After confirmation, the staff will issue you the certificate for the deposit and use of non local loan employee housing provident fund.

3、 Submission of information

You need to go to the provident fund management center applying for loans with your ID card, house purchase contract, certificate of use of loans in other places and other materials, and submit the materials to the staff. The staff will review your materials to confirm their authenticity and integrity. At the same time, the management center where you deposit the provident fund will identify your non local loans and establish a detailed account of non local loans.

4、 Handle loans

After the information is approved, the provident fund center applying for a loan will go through the loan procedures for you and issue a loan to you. You need to repay the loan on time, and the provident fund management center of the city will cooperate with the provident fund center to urge you to repay.

What problems should be paid attention to in the off-site loan of provident fund?

1. Be sure to consult in advance. To handle provident fund loans in other places, early consultation is an essential step. The provident fund loan policy has not been issued for a long time, and the implementation situation is different everywhere. Therefore, you may not be able to handle provident fund loan in other places, so you must consult clearly in advance.

2. Understand relevant policies. It is also necessary to understand the relevant policies of provident fund loans in other places, otherwise you may encounter many obstacles in the process of handling due to lack of necessary knowledge, and you may fall into a trap.

3. Pay attention to the safety of funds. Generally speaking, when handling provident fund loans in other places, your location is not the same as 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 immediately know whether the other party is really a seller when you pay the loan to the other party.

[related questions and answers]

1. Can I use the housing accumulation fund to repay the monthly loan?

[answer] you can use provident fund for repayment or prepayment when buying a house in another place. The following conditions need to be met:

① When applying for monthly withdrawal of repayment, the housing provident fund of the person who withdraws the repayment month by month shall be deposited normally without suspension or delay;

② When applying for monthly repayment, the borrower must make normal repayment for more than two months with good credit, and there is no overdue record when applying for the loan;

③ When the main borrower (including other principals) who withdraws the repayment month by month handles the application for withdrawal and repayment of the loan, the deposit amount in the housing provident fund deposit account shall be reserved for more than 6 months (including 6 months).

2. Can provident fund loans paid in other places be made in the place where the registered permanent residence is located?

[answer] you can apply for provident fund loan in the place where your registered permanent residence is located.

3. I am a Beijing registered permanent residence and do business in Beijing. My husband is a registered permanent residence in Shanxi and has a stable and good job in Shanxi. I know our husband's provident fund can't be used to buy a house in Beijing, but can only be withdrawn. Now we would like to ask, in this case, can I borrow a loan with my husband's stable repayment ability? Because I learned that the loan needs stable income proof, but although my business in Beijing is very good, it is unstable.

[answer] loans are available for local buyers who work in different places. Like the local loan, as long as the salary certificate and marriage certificate of the unit are provided.