There are two ways to withdraw the housing provident fund in Zhengzhou, one is to apply for withdrawal at the offline provident fund management center, and the other is to use the Alipay app to apply for withdrawal. The specific operation process is as follows:

1. The process of applying for withdrawal at the offline provident fund management center:

Go to the local provident fund management center to withdraw. You can call the provident fund center hotline before withdrawing. Prepare the provident fund withdrawal information.

Then go to the Provident Fund Center to fill out the provident fund withdrawal application form and hand in the information.

The Provident Fund Center will review personal conditions and the authenticity of the information.

After passing the review, the provident fund balance will be transferred to the designated bank card.

2. The process of withdrawing housing provident funds through Alipay:

Withdrawing through Alipay, many areas already support Alipay to withdraw housing provident funds, but not all areas support it.

Open Alipay and enter provident fund withdrawal directly in the search bar.

Go to the provident fund withdrawal page and select provident fund withdrawal.

Use your personal account to log in according to the page prompts. Registration is required for the first login.

On the withdrawal page, you need to select the housing provident fund withdrawal conditions, which can be renting a house, paying the principal and interest of a mortgage, etc., and you need to provide corresponding certificates.

The process for repaying commercial loans with provident funds is generally as follows:

1. Submit an application: You need to submit an application to the provident fund management agency or a commercial bank, stating that you want to use the provident fund to repay commercial loans;

2. Qualification review: Provident fund management agencies or commercial banks will review your qualifications, including provident fund account balance, loan repayment period and amount, etc.;

3. Sign the agreement: If your application is approved, you need to sign a loan repayment agreement with the provident fund management agency or a commercial bank;

4. Transfer repayment: After the agreement is signed, the provident fund management agency or commercial bank will transfer the funds in the provident fund account to The funds are directly transferred to your commercial loan account for repayment;

5. Supervision and inspection: Provident fund management agencies or commercial banks will conduct supervision and inspection on loan repayment to ensure that repayment is carried out in accordance with the agreement.

To sum up, the specific process of provident fund repayment of commercial loans may differ due to different banks and policies. You can understand the relevant processes and regulations clearly before applying so that you can complete it better. Repayment operations. At the same time, if you have any questions or need help, you can consult the customer service staff of the local provident fund management agency or commercial bank.

Legal basis:

Article 16 of the "Housing Provident Fund Management Regulations"

The monthly payment amount of the employee's housing provident fund shall be the employee's monthly average in the previous year The salary is multiplied by the employee housing provident fund contribution ratio. The monthly payment and deposit amount of the housing provident fund paid by the unit for its employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment and deposit ratio.