Can Yancheng provident fund buy a house in a different place?

1. Can Yancheng's provident fund buy a house in a different place?

You can buy a house in another place.

A, employees who have paid housing provident fund in different places (other cities) can apply for individual housing loans of housing provident fund in this city with the Certificate of Payment and Use of Housing Provident Fund for Employees with Loans in Different Places issued by the Housing Provident Fund Management Center, and the specific implementation is still in accordance with the provisions of the Notice on Paying Local Housing Loans in Different Places.

Two, the city paid workers in different places to buy a house, need to handle the housing provident fund loan business, by the management department (business department) to verify the deposit and loan situation of workers in this city, to issue the "off-site loan workers housing provident fund deposit certificate". Each management department (business department) will mark the employee's off-site loan in the business system after receiving the feedback receipt from the loan city provident fund center.

Three, the city paid workers in the housing provident fund loan repayment period, if the housing provident fund personal account transferred out of the city, the relevant management department (business department) should promptly inform the loan of the city provident fund center and transferred to the city provident fund center.

Four, paid workers in the name of repayment of housing provident fund loans in different places to apply for withdrawal of provident fund, in addition to providing the "Yancheng City Housing Provident Fund Extraction Rules" provisions of the materials, the other need to provide a loan contract issued by the loan city provident fund center, loan balance certificate or repayment details.

Yancheng provident fund can buy a house in different places. If you deposit the provident fund in different places and buy a house locally, you must have a certificate of deposit and use of the housing provident fund for employees with foreign loans issued by the housing provident fund management center in the place where you deposit it. If the citizens of this Municipality purchase houses in different places, the management department shall verify the deposits and loans of the employees of this Municipality.

Second, can the provident fund buy a house across provinces?

Provident fund can buy a house in different places, which is determined according to local policies. The use of provident fund to buy a house in a different place must conform to the local purchase policy, and the credit and income of the purchaser need to be evaluated, and there are collateral or guarantors in different places.

legal ground

Article 5 of the Regulations on the Management of Housing Provident Fund

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.

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to 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.

1, the housing provident fund can buy a house in a different place, which belongs to the provident fund loan in a different place;

2, the city provident fund center to accept the employee loan business consulting, and one-time inform the loan required audit materials;

3. The employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled;

4. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;

5. During the repayment period of employee loans paid in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account;

6. In loans overdue, the money paid to the city provident fund center shall be used by the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance of the loan employee provident fund account can be deducted for repayment.

Three, Yancheng housing provident fund loans in different places, must establish a personal account of housing provident fund in this city, and transferred to the housing provident fund for not less than 6 months.

Hello, individuals are generally not allowed to pay housing provident fund.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private places and private non-enterprise units.

Hope to adopt!

Four, Yancheng housing provident fund off-site housing loans, housing provident fund must be established in this city. ...

Provident funds cannot be used for loans to buy houses in different places.

Housing accumulation fund refers to state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises and urban private enterprises.

Long-term housing savings paid by enterprises and other urban enterprises, institutions and their employees.

The definition of this housing provident fund includes the following five aspects:

(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed residents in cities and towns do not implement housing surplus.

Gold system, retired workers do not implement the housing provident fund system.

(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee.

Personal deposit, the employee's personal deposit is withheld by the unit and paid to the housing enterprise together with the unit deposit.

Personal account of MPF.

(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must

Uninterrupted deposit according to the regulations, except for retired employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund.

Form, shall not be suspended and interrupted. It embodies the stability, unity, standardization and compulsion of housing provident fund.

(five) the housing provident fund is a personal housing storage for employees to use for housing consumption expenditure in accordance with the regulations.

Gold has two characteristics: first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash and must be deposited in a special account opened by the housing provident fund management center in the entrusted bank.

Implement special account management. The second is specificity. The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city can the housing provident fund be withdrawn from the account.