Can Wuhan Provident Fund buy a house in a different place?

Wuhan provident fund can't buy a house in different places for the time being.

Our province has issued a new policy of 16 provident fund, in which the common provident fund for buying houses in different places in the province is the biggest highlight. At present, eight cities and States have opened off-site provident fund loans, but Wuhan and other places have not yet moved. This means that employees who have paid provident fund in these eight cities and states can apply for provident fund loans when buying a house in Wuhan, but employees in Wuhan cannot use provident fund loans to buy a house in different places. For Wuhan employees, the provident fund is still a "one-way permit".

Eight cities and States can use the provident fund to buy houses in different places.

At present, Enshi, Huangshi, Xiaogan, Ezhou, Xianning, Suizhou, Jingmen, Huanggang and other cities and States have all introduced the policy of buying houses in different places. Employees who have paid provident fund in the above cities and states can use provident fund loans to purchase houses in different places in the province.

However, because there is no provincial implementation policy for the "provincial memory withdrawal" of the provident fund, the policy of buying a house varies from place to place.

For example, Huangshi and Xianning stipulate that if you pay the provident fund to buy a house in a different place, or if a local registered employee pays the provident fund to buy a house in a different place, you can apply for a provident fund loan; Enshi, Suizhou, Huanggang and Jingmen stipulate that only by depositing the provident fund locally can you apply for a provident fund loan locally when buying a house in a different place; The application scope of Xiaogan's regulations is narrower. Only by paying the provident fund in Xiaogan and buying a house in Wuhan can you apply for a provident fund loan in Xiaogan.

There are also differences in the specific provisions of local regulations. For example, Xianning requires to pay the provident fund to buy a house in a different place. When applying for a provident fund loan in Xianning, it is necessary to mortgage the local house in Xianning or pledge it with the provident fund deposit. The pledge of loan-to-deposit ratio is 1: 1.5. "The requirement for mortgage or pledge is mainly based on the repayment risk of buying a house in different places." A person from the center said.

The provident fund is insufficient, and it is difficult for Wuhan to follow up.

For the cities and States that have introduced the policy of buying houses in different places, the provident fund has achieved "communication within the province"; Wuhan and other places that have not been followed up are still "one-way traffic". The implementation of the new provident fund policy 16 is still under study.

According to industry analysis, the liquidity of Wuhan provident fund is relatively tight and it is difficult to change in the short term. By the end of last year, the personal loan rate of the city's provident fund was close to 98%. "Because the real estate market in Wuhan has been relatively hot, the provident fund is not enough, and it is even necessary to transfer funds from other places to meet the demand for Wuhan provident fund loans." In this case, it is obviously unrealistic to use the funds of Wuhan Provident Fund to support the purchase of houses in different places. In contrast, the personal loan rate of provident fund in some cities in the province is only about 60%. "Money can't be used."

Therefore, in some cities in the province, it is easier to realize off-site loans under the premise of controlling risks if the paid employees have the demand for buying houses in different places.

Multi-site provident fund is more widely used than Wuhan.

It is found that the provident fund is not only used to buy houses in different places, but also used more widely in some cities in the province than in Wuhan in terms of universal provident fund among families and withdrawal of provident fund for decoration.

At present, Xiangyang, Yichang, Xiaogan, Ezhou, Xianning, Jingzhou, Jingmen, Huanggang and other places allow family members to purchase common provident funds; Enshi, Yichang, Xiaogan, Ezhou, Xianning, Tianmen, Suizhou, Huanggang and other places are allowed to decorate and withdraw the provident fund.

Take Huanggang as an example. With the real estate license or the registered house purchase contract, the formal renovation contract, the tax invoice for decoration settlement and the formal invoice for main materials, you can withdraw the provident fund, and the withdrawal amount is not more than 50% of the balance of the provident fund, which is controlled within the decoration standard of 1000 yuan/square meter.

In fact, according to the current regulations on the management of provident funds, it is not clearly stipulated that provident funds can be used for house decoration. Zhang Dong, a finance professor at Zhongnan University of Economics and Law, believes that the housing provident fund should be used to pay all housing-related expenses, including decoration, renting and property management fees. Therefore, there is still a lot of room for expansion in the use of provident fund.

List of eight city and state provident fund policies

Enshi

If you pay the provident fund in Enshi and buy a house in a different place, you can apply for a provident fund loan in Enshi.

Huangshi

You can apply for a provident fund loan in Huangshi if you pay the provident fund to buy a house in a different place, or if you pay the provident fund to buy a house in Huangshi.

Xiaogan

If you deposit the provident fund in Xiaogan and buy a house in Wuhan, you can apply for a provident fund loan in Xiaogan

Ezhou

Families who buy houses in different places can apply for provident fund loans with existing housing mortgages in Ezhou.

Xianning

You can apply for a provident fund loan in Xianning if you pay the provident fund in a different place to buy a house, or if you pay the provident fund in a different place to buy a house in Xianning.

Suizhou

If you pay the provident fund in Suizhou and buy a house in a different place, you can apply for a provident fund loan in Suizhou.

Jingmen

If you deposit the provident fund in Jingmen and buy a house in a different place, you can apply for a provident fund loan in Jingmen in the name of yourself, your parents or your children.

Huanggang

If you pay the provident fund in Huanggang and buy a house in a different place, you can apply for a provident fund loan in Huanggang.