1. Inquire about the local provident fund in official website. Inquire about individual housing provident fund in Provident Fund official website, and enter the ID number and password to enter the account details page.
2. Bank online banking inquiry: In the online banking page of the bank applying for a loan, there is generally an option of "housing provident fund" in the "My Account" page. Click the housing provident fund option to view the balance.
3. Check at the provident fund counter. You can bring your ID card and related materials to the counter of the local provident fund management center.
What is the process of provident fund loans?
1. loan purpose: China Construction Bank accepts the entrustment of the municipal (county) people's governments and the housing provident fund management centers of the military, coal, railway, petroleum and other systems, and uses the housing funds provided by the client to issue housing provident fund loans according to the entrustment agreement. It is used to support borrowers to buy all kinds of houses in Chinese mainland cities and towns, and to solve the shortage of funds for the purchase and construction of individual housing for employees who have paid the housing provident fund.
2. Loan target: housing provident fund management center and individual customers who pay provident fund according to relevant state regulations.
3. Loan conditions: The application for individual housing provident fund loans must comply with the provisions of the housing provident fund management department on housing provident fund loans. The basic conditions should be:
Have legal status, pay the housing provident fund in full and on time, have stable economic income, good credit, have the ability to repay the principal and interest of the loan, have legal and effective purchase overhaul contracts and agreements and other supporting documents required by the loan bank, have self-raised funds above the minimum amount stipulated by the local housing provident fund management department, and guarantee to pay the down payment of the purchased (overhauled) housing, have qualified assets to mortgage or pledge, or (and) have sufficient compensation capacity.
4. Loan amount: The maximum amount shall be implemented in accordance with the relevant regulations of the local housing provident fund management department.
5. Loan term: Within the longest loan term stipulated by the People's Bank of China, the housing provident fund management department will determine the loan term according to the actual situation of the borrower.
6. Loan interest rate: The loan interest rate of individual housing provident fund stipulated by the People's Bank of China shall be implemented.