Shenzhen provident fund loan applicants log in to official website of the Municipal Housing and Construction Bureau to declare loan information. The entrusted bank provides provident fund loans on-site acceptance at the signing site of newly-built commercial housing, affordable housing and real estate agents, and employees do not need to go to bank outlets to handle them. On how to apply for provident fund loans in Shenzhen, the following is a detailed answer from Bian Xiao. 1. How to apply for Shenzhen provident fund loan 1? Online application: (1) APPlicants first make an appointment for "business-to-public loan" through the official WeChat account of Shenzhen Housing Provident Fund Management Center (sz 12329) or I Shenzhen App, and the entrusted bank will give priority to accepting the reserved customers; (2) Flexible employees need to make an appointment at the housing provident fund service hall of Shenzhen Administrative Service Hall (Futian Management Department, Baoan Management Department and Longgang Management Department); (3) If the original commercial loan is Bank of Communications, it can be handled online through WeChat WeChat official account (sz95559) of Shenzhen Branch of Bank of Communications. 2. Offline application: (1) Applicants apply for provident fund loans at the entrusted bank outlets with application materials. Please make an appointment for "business-to-public loan" in advance through the official account number of WeChat of Shenzhen Housing Provident Fund Management Center (sz 123 29) or I Shenzhen App, and the entrusted bank will give priority to accepting the reserved customers. (2) Flexible employees need to make an appointment at the housing provident fund service hall of Shenzhen Administrative Service Hall (Futian Management Department, Baoan Management Department and Longgang Management Department). 2. Interest rate of Shenzhen Provident Fund loan: the annual interest rate of the first home loan is 2.75% for less than five years (inclusive), 3.25% for more than five years, 3.025% for the second home loan and 3.575% for more than five years. The third housing provident fund loan is not supported for the time being. Three. Legal Basis of Shenzhen Provident Fund Loan Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. These are the answers on how to apply for provident fund loans in Shenzhen. The prepayment policy of provident fund loans is loose, with 12 repayment periods as a cycle, and prepayment is made once in a cycle, without charging any fees to borrowers, while commercial loans generally charge a certain penalty. If you have any questions or legal problems, please visit the website for consultation.

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"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.