1. Field investigation

The borrower directly goes to the loan issuing bank with the ID card to inquire and print the repayment details.

2. Website query

Website query needs to log in to the website of the housing provident fund fund management center of the central state organs. After entering the home page, click "Personal Loan Inquiry".

3. WeChat official account inquiry

Borrowers can follow the "Housing Fund Management Center of Central State Organs" on WeChat, bind the loan account, and check the repayment status according to the prompt requirements.

Provident fund Xinzheng convenience

1. The upper limit of the proportion of monthly repayment amount to monthly income is controlled at 50% ~ 60%.

20 15 in districts and cities where the utilization rate of housing provident fund funds is less than 85% at the end of August, it is necessary to comprehensively consider the local housing price level, loan demand and borrower's repayment ability, and increase the actual amount of housing provident fund personal housing loans. On the premise of ensuring the borrower's basic living expenses, the upper limit of the proportion of monthly repayment amount to monthly income is controlled at 50% ~ 60%.

2. Extension of repayment period

The loan repayment period can be extended to 5 years after the statutory retirement age of the borrower, and the longest loan period is 30 years. Monthly transfer of housing provident fund to repay loan principal and interest.

3. Allow paid employees to apply for loans from the housing provident fund management institutions in the same city.

Urban housing provident fund management centers and sub-centers in the same district shall unify the housing provident fund withdrawal and loan policies and make overall use of loan funds. Housing provident fund management center or sub-center loan funds are insufficient, allowing paid workers to apply for loans to the housing provident fund management institutions in the same city. Conditional cities should actively promote the securitization of housing provident fund personal housing loan assets and revitalize housing provident fund loan assets.

4. Simplify the loan process in different places

Deposited employees who purchase houses outside the deposit place may apply for personal housing loans to the housing provident fund management center in the place where they purchase houses in accordance with the housing provident fund personal housing loan policy. The housing provident fund management center of the place of deposit and the place of purchase shall cooperate with each other, issue and confirm the deposit certificate and other materials in time, and handle the loan procedures. At the same time, if the paid employees apply for housing provident fund personal housing loans and agree to calculate their monthly income according to the monthly payment of their housing provident fund, the unit does not need to issue a certificate of employee income. When paying the employee's rented commercial housing to apply for withdrawal of housing provident fund, there is no need to provide other supporting materials except the identity certificate and the proof that the employee and spouse have no housing.

Deposited employees who purchase houses outside the deposit place may apply for personal housing loans to the housing provident fund management center in the place where they purchase houses in accordance with the housing provident fund personal housing loan policy.

How to inquire about provident fund loans

1. First, we open Baidu and search official website, the online service hall of the local housing provident fund management center. After entering official website, click the login button.

2. Click the login button, then click the personal password to log in, and enter the ID number, password and verification code as required. If the password is not changed, the initial password defaults to the last four digits of the provident fund account number plus two zeros.

3. After entering the main page, you can perform common query functions, such as personal details query, individual household query, repayment details query, etc. Just select the item you need to query.

4. If you want to use detailed query, you must select the specified date range. You can click on the calendar icon next to the start date and end date to make a selection, so as to conveniently query the time you need.

5. If you only need to inquire about general information, such as the balance of provident fund, monthly deposit amount, unit deposit ratio, etc. , then you can query in the individual household query panel.

Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. You can check the personal credit risk index in Winnie Hsin. The higher the risk score, the easier it is for the application to be rejected.

Extended data:

How to find out how many mortgages are left in the provident fund loan?

If you want to know how much money you have left in your personal housing provident fund loan, you can take the following measures:

1. Telephone enquiry:

You can directly call the hotline of the entrusted bank and consult the bank customer service staff through the manual service channel. After verifying the identity information, the customer service staff will inform the query result.

2. Online banking/mobile banking inquiry:

Log in to online banking/mobile banking, find your own provident fund loan on the personal account page, and check the bill to find out.

3. Counter enquiry:

If there is a business outlet near your work and residence, you can directly bring your personal ID card, repayment bank card and other information to the business outlet to find the counter staff to apply for inquiry.

4, SMS query:

Generally, banks will send short messages to remind them a few days before the repayment date. The short messages usually include the repayment amount and the remaining loans. So, you can look through the short messages sent by the bank that you received in your mobile phone.

How to inquire about the progress of provident fund loans

Method 1: Call the bank directly, that is, call the salesman who handles the loan directly. This method is the most accurate, direct and fast. Basically suitable for all loans; Method 2: Call the customer service center of the lending institution to find out the loan progress in this way. This requires lending institutions to have customer service centers, like banks, but some lending institutions often do not have special customer service centers; Method 3: Online Inquiry For institutions that have started online progress inquiry, they can directly inquire about the loan progress online. For example, CCB's mortgage can directly check the progress online.

How to check the progress of provident fund loans

There are five main ways to query housing provident fund:

1: inquire about the affairs hall window of the local housing provident fund management center.

2. Inquiries from local provident fund joint card handling units and banks.

3. nationwide, 12329 voice service hotline has been opened for inquiry.

4. Relevant provident fund network query interface.

5. You can log on to the website of the local provident fund management center.

Extended data:

(1) Provident fund usually refers to housing provident fund, and sometimes also refers to company provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

(2) 2065438+65438 On October 20, 2005/kloc-0, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Relaxing the Conditions for Withdrawing Housing Provident Fund to Pay Rent, in order to protect the legitimate rights and interests of employees who have paid housing provident fund, improve the withdrawal mechanism of housing provident fund, improve the effectiveness and fairness of the system and promote development.

(3) According to the current provident fund management system in China, except for Beijing, Shanghai, Tianjin and Chongqing, individual housing provident funds in all provinces and regions of China are managed by the housing provident fund management centers of prefecture-level cities scattered all over the country. Therefore, local citizens need to inquire about the balance of individual housing provident fund, and also need to go to the corresponding housing provident fund management center for inquiry. For the convenience of the public, except for a few places (except a few), the online inquiry of provident fund has been realized.