Does Lu 'an support provident fund to buy houses in different places?

In Lu 'an, you can apply for a loan from a different place, but you can't apply for it in the provincial provident fund, because the provincial provident fund is the department for employees of provincial units to handle business, and you can only apply in the municipal first-class provident fund center. According to the latest national policy, the provident fund can be withdrawn from different places. However, it is necessary to consult the local provident fund center.

First, provident fund loans to buy a house to meet the conditions

1. The employees of this unit have signed labor contracts for more than three years (or signed labor contracts for three consecutive years 1 year);

2, the normal continuous monthly housing provident fund deposit for more than a certain number of years (different cities may have different requirements);

3. Not exceeding the statutory retirement age, having a stable economic income and the ability to repay the principal and interest;

4. The borrower agrees to handle housing mortgage registration and insurance;

5. Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers;

6. At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

Second, the restrictions on buying a house with provident fund loans

1. If one spouse applies for a housing provident fund loan, neither spouse can obtain a housing provident fund loan again before paying off the principal and interest of the loan.

2. When applying for housing provident fund loans, the loan applicant has no outstanding debts that may affect the repayment ability of housing provident fund loans.

3 provident fund loan period shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

4. Most cities have stipulated the maximum amount of a single housing provident fund loan, and the maximum amount of housing provident fund loans does not exceed 70% of the total purchase price.

5, housing provident fund loan period shall not exceed the borrower from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

Legal basis: Article 27 of the Regulations on the Administration of Housing Provident Fund. Applicants who apply for housing provident fund loans shall provide guarantees.