Can I use Shenzhen Provident Fund to buy a house in Xiangyang?

Yes, this situation belongs to the off-site provident fund loan. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:

Loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time;

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;

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;

During the loan repayment period, if the individual 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;

In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment.

Materials required for applying for provident fund loans:

Commercial housing sales contract;

Identity cards, household registration books and proof of marital status of the applicant and spouse;

Work certificate and bank flow;

Down payment voucher (1 original inspection);

Proof of provident fund deposit (or housing provident fund card);

The evaluation report of the purchased house;

The purchase contract signed by the buyer and the seller;

Property ownership certificate and state-owned land use certificate under the original seller's name (original and copy).