The whole country has realized the loan of provident fund in different places, among which Changsha has been connected to the Internet.
17 provinces and cities can use provident fund loans to buy a house in different places, and 6 cities can handle it across provinces _ provident fund loans _ loan raiders
17 provinces and cities can reserve funds in different places, Changsha loans to buy a house, and 6 cities can handle it across provinces.
In order to improve the housing consumption capacity of employees who pay housing provident fund, and support employees who pay housing provident fund to buy the first set and improved self-occupied housing, according to th《住房公积金管理条例》 (h《条例》), on October 9th, the Ministry of Housing and Urban-Rural Development, the Ministry of Financ《关于发展住房公积金个人住房贷款业务的通知》.
One of the major benefits: people who are employed in different places can apply for a mortgage at their domicile.
The new policy requires that all localities should realize the mutual recognition and transfer of housing provident fund deposits in different places, and promote the loan business in different places, that is, employees can apply for housing provident fund personal housing loans from the housing provident fund management center where their household registration is located with the payment certificate issued by the housing provident fund management center in their place of employment.
After the new policy, all provinces and cities in China responded positively and formulated new provident fund loan policies in succession. At present, many cities have supported provident fund loans to buy houses in different places, so those cities can buy houses in different places with provident fund. Changsha Capital Network inquired about the provident fund management centers around the country and made painstaking efforts to summarize them in the following table:
Details and required materials of policies for purchasing houses with loans from provident funds in different places:
1. Shijiazhuang, Hebei Provinc《关于调整我市住房公积金个人住房贷款有关政策的通知》 issued by Shijiazhuang Housing Provident Fund Management Center, for those who have paid housing provident fund in different places and paid it in Shijiazhuang for less than 6 months, the payment time can be calculated according to the payment certificate issued by the original housing provident fund management center. Employees whose household registration is in Shijiazhuang, but who have paid the housing provident fund in their places of employment (other places), can apply for the housing provident fund personal housing loan to Shijiazhuang Housing Provident Fund Management Center with the payment certificate issued by the housing provident fund management center in their places of employment.
2. Jinan, Shandong Province
As far as off-site provident fund loans are concerned, as early as 2008, Jinan has started off off-site provident fund loans in the province. However, in this new policy, the policy of off-site loans has been extended from the whole province to the whole country. If the registered population of Jinan pays the housing provident fund in the place of employment, they can apply for a personal loan of housing provident fund with the certificate of payment from the housing provident fund management center of the place of employment.
The time requirement for the borrower to pay the housing provident fund has been changed from continuous full payment for more than 12 months (inclusive) at the time of the loan to continuous full payment for more than 6 months (inclusive), and he can apply for personal housing provident fund loans.
Citizens who pay the provident fund from other places apply for a house loan in Jinan, and they need to bring the certificate provided by the local provident fund department to prove that their local provident fund loan has been paid off. In addition, you need to bring your ID card, account book and photocopy, etc. The staff of the Provident Fund Center suggested that applicants should consult the loan handling bank first when handling new and second-hand housing loans. If you pay the provident fund in other places, you can apply for a loan in Jinan, so in the economyCan I apply for payment in other places? The staff of Jinan Provident Fund Center said that it depends on the policies of the local provident fund management center. It is recommended that the public consult the local provident fund management department before handling it.
3. Hangzhou, Zhejiang
On October 31, 2014, Hangzhou adjusted the relevant policies on housing provident fund loans, and Hangzhou registered employees who paid housing provident fund in different places were regarded as local employees, and the Hangzhou provident fund loan policy was implemented. If you buy the first and improved ordinary self-occupied housing in Hangzhou, you can apply for a provident fund loan from Hangzhou Provident Fund Center with the certificate of provident fund deposit and loan issued by the local provident fund center and the certificate of borrower&;s family property search issued by the local housing management department.
4. Hulunbeier, Inner Mongolia
On November 10th, 2014, the New Deal of Hulunbeier Housing Provident Fund Management Center implemented the docum《住房城乡建设部 财政部 关于发展住房公积金个人住房贷款业务的通知》 and support paid employees to buy self-occupied housing, the relevant policies of Hulunbeier housing provident fund have been adjusted:
Workers who have paid the housing provident fund in full for more than 6 months (inclusive) can apply for individual housing loans from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time shall be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.
Workers who have registered in Hulunbeier and paid housing provident fund in their places of employment can apply for housing provident fund personal housing loans in Hulunbeier City Housing Provident Fund Management Center with the payment certificate issued by the housing provident fund management center in Hulunbeier City.
5. Chengdu, Sichuan
On October 30, 2014, Chengdu Provident Fund Housing Management Center made adjustments to the provident fund loan policy. The relevant person in charge of Chengdu Provident Fund Center said that from the 1 ST of next month, employees who have paid housing provident fund for more than 6 months (inclusive) and meet other provident fund loan conditions can apply for provident fund loans. At the same time, if the employees transferred from other places to work in Chengdu have paid the provident fund in Chengdu for less than 6 months, the deposit time can be calculated together after providing the continuous normal deposit certificate issued by the foreign provident fund center.
It is understood that this adjustment has also opened a loan business in different places. Chengdu registered employees who deposit housing provident fund at their places of employment and purchase self-occupied housing within the administrative area of Chengdu can apply for loans from Chengdu Provident Fund Center with the certificate of deposit of provident fund issued by the Housing Provident Fund Management Center of their places of employment.
6. Luzhou
Starting from July 1st, employees who have paid housing provident fund outside the administrative area of Luzhou City can apply for provident fund loans when they buy self-occupied houses within the administrative area of Luzhou City. The implementation time of this regulation is limited to two years. In other words, if your provident fund is paid in a city outside Luzhou, you can now buy a house in Luzhou with a provident fund loan.
7. Changchun, Jilin
Since July, 2014, Changchun citizens can purchase houses in different places in the province, and they can use their Changchun provident fund account to make loans to purchase houses. The loan business of house purchase in different places in the province is specifically undertaken by the railway sub-center. If there is a branch of the railway branch in the place where the house is purchased, the workers will take the subway.The branch of the road branch center applies; If there is no branch of the railway sub-center in the place where the house is purchased, the employees shall apply to the railway sub-center.
On October 21st, Changchun Provident Fund Management Center made another adjustment. Employees who paid housing provident fund in Changchun Provident Fund Center can apply for housing provident fund loans if they buy self-occupied houses in other cities and states. For employees who deposit housing provident fund in the city provident fund center and buy self-occupied housing at the place where they live, the city provident fund center will issue a certificate of housing provident fund deposit for them, and employees will apply for housing provident fund loans to the provident fund center where they live.
Workers who have paid the housing provident fund in full for more than 6 months (inclusive) can apply for individual housing loans from the housing provident fund. For those who have paid the housing provident fund in other places and paid it in the city provident fund center for less than 6 months, the payment time can be calculated according to the payment certificate issued by the original deposit provident fund center.
8. Changsha, Hunan
On August 11th, 2014, the Housing and Construction Department of Hunan Provinc《湖南省住房和城乡建设厅关于促进全省房地产市场平稳健康发展的意见》, which clearly stipulated that foreign buyers can apply for provident fund loans.
If the depositor of housing provident fund purchases owner-occupied housing in other cities and states in the province other than the place of deposit, he may apply for a housing provident fund loan from the housing provident fund management center where the house is purchased; If a houseless tenant rents a house for his own occupation, he can withdraw the housing provident fund to pay the rent, but the monthly withdrawal amount shall not exceed the monthly deposit amount of his housing provident fund.
On September 16, 2014, Changsha&;s Notice on Resumption of Personal Housing Loan from Housing Provident Fund in Different Places
In order to further promote the healthy development of the real estate market in Changsha, support low-and middle-income families to improve their housing conditions, and give full play to the housing security function of the housing provident fund, according to the approval of the Changsha Housing Provident Fund Management Committee, it is now decided to resume the personal housing loan business of the housing provident fund in different places in the province (including provincial sub-centers) from July 29, 2014. Where depositors of other centers in the province apply for loans in this center, the loan policy of this center shall be implemented, and the real estate information of both the borrower and the husband and wife shall be inquired (both the deposit place and the loan place shall be inquired).
9. Wuhan, Hubei Province
On September 15th, 2014, the Urban and Rural Construction Department of Hubei Provinc《关于促进全省房地产市场平稳健康发展的若干意见》, which was called &”;Hubei Six Articles&”; by the media. Articl《意见》 stipulates that families who buy houses in different places within the province can apply for loans by using the housing provident fund at the place of deposit. Explore the application for using the housing provident fund of parents and children at the same time when paying employees to buy a house, and effectively play the role of mutual assistance of housing provident fund between generations of families. Use housing provident fund loans to purchase commercial housing.
On November 6, 2014, Wuhan Housing Provident Fund Management C《关于调整职工异地住房公积金转入业务流程及资金结算的通知》, which adjusted the business process and fund settlement of transferring the employee housing provident fund deposited by Wuhan Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center).
For employees transferred to Wuhan from different places, the off-site provident fund center shall issue the deposit certificate of normal deposit for 6 months or more, and transfer all the provident fund paid from different places to the local provident fund account for deposit in different places.The housing provident fund participates in the loan amount calculation according to its deposit time coefficient (the parameter value is uniformly set to 1) and multiple of deposit balance.
10. Lanzhou, Gansu
On November 5, 2014, Lanzhou Housing Provident Fund Management Center issued a new policy for 《关于发展住房公积金个人住房贷款业务的通知》 to implement the provident fund of three ministries and commissions. 《通知规定》&;s household registration is deposited in other housing provident fund management centers in Lanzhou, and when purchasing real estate in Lanzhou, he can apply for provident fund housing loans from our center. Workers who have paid the housing provident fund in full for more than 6 months (inclusive) may apply to our center for individual housing loans for housing provident fund. Deposited employees transferred from the foreign center to our center apply for loans, and the deposit period can be calculated together.
11. Eight cities in the Pearl River Delta of Guangdong Province
As early as April 2009, eight cities in the Pearl River Delta have implemented mutual loans of housing provident funds in different places. The provident fund management centers in Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, Dongguan and Zhaoqing signed the mutual loan agreement of the eight cities&; provident funds. According to the agreement, starting from May 1, 2009, those who deposit provident fund in these eight cities can apply for provident fund loans to buy houses in any city as long as they meet the conditions. As for the down payment ratio, loan amount, fixed number of years, etc., all follow the existing regulations. In which city, loans will be made according to the regulations of which city.
12. Nanning and Liuzhou, Guangxi
In 2009, Liuzhou implemented that employees in Nanning and Liuzhou could apply for personal housing provident fund loans &”;across the city&”;.
According to the regulations, when employees who have paid the housing provident fund in full and normally in Liuzhou purchase houses in Nanning, they can apply for individual housing loans of housing provident fund in Nanning Housing Provident Fund Management Center with the proof of housing provident fund deposit and loan issued by Liuzhou Housing Provident Fund Management Center, and vice versa. At the same time, it is stipulated that employees who have paid the housing provident fund in full and normally in other cities in Guangxi can apply for housing provident fund loans to Liuzhou Housing Provident Fund Management Center with the proof of housing provident fund deposit and loan issued by the housing provident fund management center in Liuzhou when buying a house, and Liuzhou Housing Provident Fund Management Center will accept it in accordance with the provisions of Liuzhou Housing Provident Fund personal housing loan policy.
Due to the rapid increase in the number of loans and insufficient funds, this measure has only been implemented for half a year.
13. Six cities in Anhui Province
On August 20th this year, the Housing and Construction Department of Anhui Province issued a new announcement proposing five measures. One of them is to carry out loans in different places in the province.
According to this regulation, employees who pay housing provident fund can choose to apply for housing provident fund loans from the place where the housing provident fund is paid or the place where the house is located. For example, citizens who pay the provident fund in Huaibei and buy a house in Hefei can apply for provident fund loans in Huaibei or Hefei. At present, the six cities of Hefei, Fuyang, Lu &;an, Huainan, Chuzhou and Huaibei have all made detailed rules for landing, and made it clear that these cities and other cities in the province can purchase houses in different places for mutual loans.
14. Shenyang, Liaoning
Shenyang has fully opened the housing provident fund mutual loan business with 13 other cities in the province, that is, other cities in the province.City employees can use the provident fund to buy houses in Shenyang, and enjoy the same treatment as Shenyang citizens&; loans in terms of loan amount, loan conditions and loan interest rate; Workers in Shenyang can also use the provident fund to buy houses in other cities in the province and enjoy the same treatment as loans from local citizens.
15. Jiaozuo and Jiyuan in Henan Provinc《焦作、济源城市住房公积金异地贷款合作协议》. Workers in Jiaozuo paid the housing provident fund when they signed the housing provident fund management c《合作协议》. When buying self-occupied commercial houses in Jiaozuo or Jiyuan, they can apply for individual housing provident fund loans from the housing provident fund management center in the place where they bought the houses.
The lender in different plac《合作协议》 city, and must pay the housing provident fund in a normal, continuous and full amount for more than 6 months when applying for a loan. Lenders in different places may not apply for loans in different places if they have applied for housing provident fund loans at the place where the housing provident fund is deposited and have not yet settled. The longest loan period is 30 years, and the loan period does not exceed the remaining working age of the borrower&;s statutory retirement age.
16. Taiyuan, Shanxi
Employees who have paid the housing provident fund for more than 6 months in Taiyuan, whether they are foreign or local accounts, can apply for provident fund loans from the municipal housing provident fund management center when buying houses in different places. When applying, you must provide a copy of the &”;Pre-sale Permit for Commercial Housing&”;, the original &”;Commercial Housing Sales Contract&”; signed online, the original down payment receipt and other materials. As long as the materials are complete, the loan approval can be completed within 10 working days.
If the depositor of the housing provident fund who belongs to the information system of Taiyuan Housing Provident Fund Management Center buys a house in a different place and applies for a commercial loan or a second-hand house, when applying for a housing provident fund business loan, the guarantee should be limited to real estate mortgage and pledge guarantee according to the requirements of the loan in a different place and the second-hand house loan.
17. Yinchuan, Ningxia
On March 27th, 2014, Yinchuan Housing Provident Fund Management C《住房公积金宁夏区内异地购房贷款管理办法》. All employees who have normally paid housing provident fund in all housing provident fund management centers outside Yinchuan and have non-agricultural registered permanent residence in Ningxia can apply to Yinchuan Housing Provident Fund Management Center (hereinafter referred to as the management center) and its sub-centers and offices for individual housing loans when they buy their own houses in Yinchuan.