The detailed explanation of Shenzhen housing provident fund is dedicated to everyone who works hard in Shenzhen.

Since its appearance, provident fund has been closely related to our lives, especially living in a fast-growing first-tier city like Shenzhen. Understanding the provident fund is a must for everyone who works hard in Shenzhen. This paper mainly introduces the payment ratio of Shenzhen housing provident fund, the inquiry of Shenzhen housing provident fund and the extraction of Shenzhen housing provident fund for everyone who is working hard in Shenzhen.

Proportion of housing provident fund in Shenzhen

The deposit ratio of housing provident fund in Shenzhen is 10% to 40%, 1, and the employer and the employee shall bear half of it. 2 units and employees to pay the proportion between 5% and 20%. Assume that the payment ratio determined by the employer is 20%, and the employer will bear 10% and the individual will bear 10%.

Shenzhen housing provident fund inquiry

(A), online inquiry

You can go to Shenzhen Housing Provident Fund official website to inquire about the situation of the provident fund.

The inquiry items include: individual housing provident fund inquiry, provident fund loan interest rate and housing provident fund loan.

(2) Telephone enquiry

The customer service telephone number for provident fund consultation is 0755- 12329.

Service hours: 8:00-22:00 from Monday to Friday.

Specific inquiry items include: individual housing provident fund inquiry, provident fund loan interest rate and housing provident fund loan.

(3) Service outlets

1, Management Department of Futian Housing Provident Fund Center

Address: Xiang Qiao Village 1 F, No.2008 Xiang Qiao Road, Futian District, Shenzhen.

Working hours: Monday to Friday morning: 9: 00-12: 00; Afternoon: 13:00— 17:00.

Tel: 0755- 12329

2. Baoan Housing Provident Fund Center Management Department

Address: Floor 2, East Side of Huafeng Economic Building, No.288 Xixiang Avenue, Baoan District

Working hours: Monday to Friday morning: 9: 00-12: 00; Afternoon: 13:00— 17:00.

Tel: 0755- 12329

3. Longgang Housing Provident Fund Center Management Department

Address: A202, Floor 2, Building 2, Tianan Digital New City, Longgang District, Shenzhen

Working hours: Monday to Friday morning: 9: 00-12: 00; Afternoon: 13:00— 17:00.

Tel: 0755- 12329

Conditions for withdrawal of housing accumulation fund in Shenzhen

Purchase and extraction conditions

(1) Buying a house with a card

1. The initial password of the housing provident fund account has been modified before the business is extracted;

2. The applicant is an employee who has paid the housing provident fund (a joint card for housing provident fund has been set up);

3. The reason for the withdrawal is the purchase of a house with ownership.

(2) Buying a house without a card

1. Employees who have paid housing provident fund can apply for withdrawing their own social security stock housing provident fund when purchasing houses with ownership.

2. The collection account of the applicant must be a debit card account of CCB, CMB and BOC in Shenzhen.

(3) Buying houses in different places

1. The initial password of the housing provident fund account has been modified before the business is extracted;

② Bills such as purchase invoices, deed tax stamps and special receipts shall be issued within two years from the date when employees apply for withdrawal;

3. The reason for the extraction is the purchase of a house with ownership;

4. You can only apply for one withdrawal within the term of the bill.

(four) the purchase of housing in this city

1. The initial password of the housing provident fund account has been modified before the business is extracted;

② Bills such as purchase invoices, deed tax stamps and special receipts shall be issued within two years from the date when employees apply for withdrawal;

3. The reason for the extraction is the purchase of a house with ownership;

4. You can only apply for one withdrawal within the term of the bill.

Rent extraction conditions

(1) Before handling the withdrawal business, the initial password of the housing provident fund account must be modified, and employees can directly modify it by logging in to the online service hall of Shenzhen Housing Provident Fund Management Center;

(two) for the first time to handle the housing provident fund withdrawal business, you need to go to any branch of the joint card issuing bank for housing provident fund business. To apply again, you can apply at any bank outlet of China Construction Bank Shenzhen Branch, China Merchants Bank Shenzhen Branch and Bank of China Shenzhen Branch.

(three) employees apply for extraction once a month, and if they are not extracted in that year, they can be extracted in the following years; (Implemented on June 165438+ 10/day, 2023)

(4) The extractable amount of housing provident fund is subject to the amount audited by Shenzhen Housing Provident Fund Management Center according to the Interim Provisions of Shenzhen Municipality on the Administration of Housing Provident Fund Extraction.

Loan repayment withdrawal conditions

(1) Employees who have signed the Agreement on Entrusted Loan Repayment of Shenzhen Housing Provident Fund may apply for withdrawing the amount in their housing provident fund accounts if they repay part or all of their personal housing loans (including commercial loans in portfolio loans) in advance at the loan bank during the monthly entrusted loan repayment period.

(2) The time for employees to choose this withdrawal situation must be within the validity period of the Shenzhen Housing Provident Fund Loan Repayment Entrusted Withdrawal Agreement;

(three) employees must apply for early repayment in the current month or the next month.

Extraction process

Universal extraction process

(1) Modify the initial password of the housing provident fund account: employees can log in to the online service hall of Shenzhen Housing Provident Fund Management Center to directly modify it. If it has been modified, this operation process can be skipped.

(2) Online appointment for withdrawal of provident fund: staff → log in to official website → log in to the service hall → log in (with digital certificate/key) → click "Withdraw business appointment" module → fill in information → make an appointment.

(3) Handling the withdrawal: the applicant → holding the required application materials → the counter of the bank branch of the housing provident fund business → the business is completed.