Generally, the initial query password is the last 4 digits of the ID card + 00. If you forget the initial query password, ordinary users (those who have not undergone real-name authentication) can dial the 12329 housing provident fund hotline to be transferred to manual service. After the customer service staff verifies their personal identity and co-branded card number, they can reset the password.

What is the provident fund used for?

1. House purchase

Using provident fund to purchase a house is divided into the following two situations:

(1) Loan

When purchasing a house with provident fund loan It is a relatively common method, and the interest rate of provident fund loans is much lower than that of commercial loans, so more people are willing to use provident fund loans to buy houses. For specific amounts and interest rates, you can refer to local loan policies, or consult local provident fund management departments and unit personnel departments. wait.

(2) Withdrawal

If you use the provident fund to buy a house, you can withdraw the provident fund to repay the principal and interest. If you do not use the provident fund for loans, you can also withdraw the amount of the provident fund loan account when using a commercial loan. As a down payment for buying a house, you can also withdraw the provident fund to repay the principal and interest. In addition, if you do not need a loan during the house purchase, you can also withdraw the provident fund in one go.

2. Rent

If some friends are still renting a house, the provident fund can also be withdrawn at this time to pay the rent. The renter can apply to withdraw the provident fund for payment. Rent and reduce the stress of your life. The provident fund can not only pay the rent of economic rental housing with rent or government subsidies, but also the rent of market rental housing, so that you no longer have to worry about rent.

3. Decoration

The housing provident fund can also be used when we decorate. Many people may not know this. You can do it at the housing provident fund management department in each region. Applications and Inquiries. Even if you can't buy a new home right now, renovating your existing home will give you the feeling of living in a new home.

Moreover, decoration costs are not low now. Using provident funds will reduce a large part of the expenses. While improving the quality of housing, it can also not affect the existing quality of life as much as possible. If a self-owned house is built, renovated or overhauled on rural collective land and a housing loan is used, the employee and his or her spouse may apply to withdraw a portion of the provident fund, and the total withdrawal shall not exceed the cost of building the house.

4. Use in building and renovating houses

Some friends may not need to buy a house in the city, so the housing provident fund can also be withdrawn and used during the construction of the house. This may be the case for many people. I’m not sure. You can apply and consult at the housing provident fund offices in various regions.

5. Payment for critical illness

Provident funds are used to pay for medical expenses for critical illnesses. Not many friends may know this. Now, in addition to medical insurance, it can subsidize some of our daily medical expenses. In addition, provident funds can also be withdrawn to pay for medical expenses. Therefore, under the dual protection of medical insurance and provident funds, the burden of medical expenses is also greatly reduced.

6. Withdrawal and use of the subsistence allowance for families with difficulties

If the employees of the unit are included in the subsistence allowance or hardship assistance, under this condition, the provident fund can also be withdrawn to subsidize the family. However, The amount withdrawn cannot exceed the lower living security range or the special hardship assistance range.