All banks can apply for provident fund credit loans, but there are certain conditions for borrowers' provident fund. It is required that the provident fund be continuously deposited in the unit for more than one year, and products with a deposit amount of more than 600 can apply for interest first, and then apply for principal. Want a loan, recommend Moore Long. Molong is aimed at people over the age of 25-55 who need large loans, not online loans. Unsecured loan, as long as 1 day, apartment stores can also apply.
Provident fund credit loan process:
1. Lenders who meet the conditions of provident fund credit loans need to bring their valid personal identity cards and relevant loan materials to the corresponding bank outlets of the house and fill out the loan application form with the help of the staff;
2. After the lender submits the loan application, the provident fund center will review the lender's information to see if the lender meets the loan qualification;
3. The bank will give the result of whether to lend to the lender within a certain period of time;
4. If the application for provident fund loan is passed, the provident fund center or bank shall notify the lender to go through the signing formalities;
After signing the contract, the bank will issue the loan within a certain period of time, and the lender can repay the loan on time.
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What is the telephone number of Beijing Housing Provident Fund Management Center?
Beijing Housing Provident Fund Management Center has several sub-centers, namely: Dongcheng, Haidian, Shijingshan, Fengtai and Fangshan. The unified hotline is 12329.
The payment of housing provident fund can be interrupted. If the housing provident fund is broken, the housing provident fund management center will not cancel your account. If you don't pay it continuously, you can only use it as a loan when you buy a house, but you can withdraw the money from your account. Only by uninterrupted payment can the provident fund loan be used. If you need to change your job or move to another city, you can transfer your account to the city where you work.
Beijing Housing Fund Management Center
According to the Regulations on the Management of Housing Provident Fund, if a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center by the unit to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee's housing provident fund account with the audit documents of the housing provident fund management center.
The housing provident fund shall be recalculated from the month of interruption. The housing provident fund shall be paid in full and continuously for 6 months before applying for a loan, and it shall be paid when applying for a loan. The provident fund account has been established for 12 months, and the provident fund loan can be used after six months of recalculation.
Regulations on the administration of housing provident fund
20 16 Telephone Inquiry Method for Beijing Provident Fund Loan
The working hours of manual customer service are from 8 am to afternoon 10. If you need to inquire about provident fund loans, you can call. If you don't go to work on weekends, please call during working hours to provide automatic inquiry service. You can check the amount, repayment and other businesses at any time.
At present, the service contents of 96 155 customer service hotline mainly include:
1, 24-hour automatic voice service
Self-service voice service includes: personal loan inquiry and monthly repayment appointment under free repayment mode, and housing provident fund account inquiry business. Provide personal loan inquiry and monthly repayment appointment service for about 1700 person-times every day, and provide self-inquiry service for housing provident fund for 1400 person-times.
2. Manual consulting service
Provide services such as policy explanation and business consultation for housing provident fund deposit, withdrawal, transfer and loan. Provide manual consultation service about 1400 person-times every day.
Time of manual consultation service: 8: 00-22: 00 every working day.
3. Accept service complaints
At the same time, the customer's service complaints to the subordinate departments of the center are accepted during the manual consultation service time.
4. Information modification
At the same time, the application for change of personal basic information is accepted within the time of manual consultation service.
2. Visit the website of Beijing Housing Provident Fund Management Center for personal housing provident fund inquiry;
3. Hold the card at the inquiry machine terminal set in the bank for inquiry;
4. Call the bank's customer service phone to inquire (charged by ordinary local calls);
5. Log in to the bank for online banking inquiry;
Hello, I'd like to ask how much family and individual provident fund in Beijing can be loaned1.20 thousand?
What are the special requirements for determining the loan amount of the state-managed provident fund loan?
Trial amount: let the borrower try out the loan amount before online signing; When the customer has the intention of purchasing a house from the national provident fund, he can consult the specific amount;
Loan ratio: 80% for the first and second sets; Loan amount: 654.38+0.2 million for the first set and 800,000 for the second set;
Take the lowest amount of the above three to confirm the final loan amount.
9.3.8 Requirements and methods for calculating the specific amount of personal loans?
_ Try to calculate the specific amount of personal loan and meet the following conditions: ① The main borrower is present; ② Provide the original ID card of the main borrower or the original ID card of both husband and wife.
_ Trial calculation of specific amount of personal loan:
① Dongsi Sub-branch of China Construction Bank: No.8 Houjie, Art Museum, Dongcheng District, Beijing, opposite to Beijing Hospital of Traditional Chinese Medicine;
② Tel: 84014115;
③ Log in to official website, the national provident fund, register your account number, and click the loan amount for trial calculation.
Municipal provident fund:
Single payment (individual payment ÷ payment ratio-1400)÷ monthly repayment amount of corresponding years;
Married (individual contribution ÷ contribution ratio-1400×2)÷ monthly repayment amount of corresponding years; When both husband and wife meet the application conditions for provident fund loans, the deposit amount = husband.
Wife, the deposit ratio is calculated according to its high proportion value;
Loan ratio: 80% for the first and second sets; Loan amount: 654.38+0.2 million for the first set and 800,000 for the second set;
Take the lowest amount of the above three to confirm the final loan amount.
20 16 address and telephone number of Beijing provident fund loan center.
If Beijing's small partners want to inquire about provident fund loans, they can directly consult and handle business at the corresponding management center. The address is as follows. If they feel trouble, they can check online and by phone.
Beijing Housing Provident Fund Online Inquiry System Website:
Telephone enquiry method: click me.
Scope of application: This inquiry function is only applicable to depositors who have applied for housing provident fund inquiry card or housing provident fund joint card.
Address and telephone number of each outlet:
Central directly under the authority Affairs Administration
Building 8308509388864, Xizhimen South Street 14, Xicheng District
Beijing railway sub-bureau
Beijing Haidian District Beifengwo Road1No.5 Yard
Central State Organs Sub-center
Chaowai Street, Chaoyang District 10 No.59059001
Fangzhuang management department
Room 67690495, Floor 1, Building 3, Fangchengyuan, Fangzhuang, Fengtai District 18
Dongcheng management department
Building 6 of Nanzhugan Hutong, Dongcheng District 1 F (Building 3 of Beijing Inn) 64056887
Xicheng management department
Room 070 1 Jinyu Building, No.29, Xuanwumen West Street, Xicheng District, 66416641922 66417946.
Chongwen management department
699 13699 13, East Building, Xianglong Building, 3A Longtan Road, Chongwen District
Xuanwu management division
8355 1708 1 on the first floor of Jintai Kaiyang Building, No.48 Banbuqiao Street, You 'anmen, Xuanwu District.
Chaoyang management department
China Chaoyang District Baiziwan Xili 402nd Floor 109 Jinhai Fu Shang Center Office Building10001.486868686616.
Haidian management department
821821919191130, Floor 65438, Zhongkun Building, No.59, Xie Jie, Gaoliang Bridge, Xizhimenwai.
Fengtai management department
63968706, No.29 Lianhuachi Xili, Fengtai District
Shijingshan management division
68687715688629114th floor, Beijing Wanshang Building, No.22 Shijingshan Road, Shijingshan District.
Fangshan management department
Building 9, Wudian Xili, Liangxiang, Fangshan District, China1866616
Mentougou administration department
No.8 Theater East Street, Mentougou District (the ground floor of Building Green Island Jiayuan 1) 69820 1996982596983725
Daxing management department
Middle section of Xingfeng Street, Huangcun, Daxing District/No.6925637469291991
Tongzhou management department
North of Building 20, Auspicious Garden, Tongzhou District, Guangdong Province, China. 56860.88868688686
Shunyi management department
694322 166943 1906, 2nd Floor, Shunjian Building, Fu Qian East Street, Shunyi District, Beijing
Pinggu administration department
89985 1498983 134, Building 3, Jianshe West Street, Pinggu District
Miyun management division
Room 320, 3rd Floor, Shanshui Building, Miyun Metallurgical and Mining Company Courtyard, Miyun County, Yunnan Province, China, China/kloc-0 /5886.508060606566
Changping management department
Changping Fu Xue Road 15 (opposite Changping Dongguan Library) 69746808
Huairou management department
No.36 Yingbin Middle Road, Huairou 69682 10569682 102
Yanqing management division
No.80 Dongwai Street, Yanqing County 6914409669181142
Yanshan management division
No.37 Xiangyang Road, Yanshan, Fangshan District 6934743 169343363
West station management department
4th Floor, Xijin Building, No.39 Lianhuachi East Road, Haidian District 639709406397094 1
Zhongguancun management department
Room 82332 1 108, Floor 0, Guanghui Building, Beihang University, No.35 Xueyuan Road, Haidian District, Beijing
Dongcheng management department foreign enterprise business hall
Room 85622475, Floor 1, Foreign Enterprise Service Group, South Street, Chaoyang District 14.
Xuanwu No.1 management division prison management bureau business hall
No.7, Youanmen East Street, Xuanwu District 83580955
Housing accumulation fund loan center
China Fengtai District Fangzhuang Fangcheng Garden Area 3/Building KLOC-0/8 676909046676
How to check the progress of provident fund loans
There are five main ways to query housing provident fund:
1: inquire about the affairs hall window of the local housing provident fund management center.
2. Inquiries from local provident fund joint card handling units and banks.
3. nationwide, 12329 voice service hotline has been opened for inquiry.
4. Relevant provident fund network query interface.
5. You can log on to the website of the local provident fund management center.
Extended data:
(1) Provident fund usually refers to housing provident fund, and sometimes also refers to company 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 enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
(2) 2065438+65438 On October 20, 2005/kloc-0, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Relaxing the Conditions for Withdrawing Housing Provident Fund to Pay Rent, in order to protect the legitimate rights and interests of employees who have paid housing provident fund, improve the withdrawal mechanism of housing provident fund, improve the effectiveness and fairness of the system and promote development.
(3) According to the current provident fund management system in China, except for Beijing, Shanghai, Tianjin and Chongqing, individual housing provident funds in all provinces and regions of China are managed by the housing provident fund management centers of prefecture-level cities scattered all over the country. Therefore, local citizens need to inquire about the balance of individual housing provident fund, and also need to go to the corresponding housing provident fund management center for inquiry. For the convenience of the public, except for a few places (except a few), the online inquiry of provident fund has been realized.