Where can I find the housing provident fund? What are the ways to inquire about housing provident fund? Come and have a look with me!
Where can I find the housing provident fund?
1, you can check at the counter of the housing provident fund management center. 2. You can check the housing accumulation fund in official website. 3. Inquiries can be made through the housing provident fund customer service hotline 12329. 4. You can print the account details in the bank where the co-branded card belongs. 5. You can find the enterprise manager to inquire about the personal payment schedule. 6. You can search for the provident fund on the Alipay homepage to view the total amount and details of the account.
What are the inquiry methods of housing provident fund?
1, online banking
Inquiry content: individual housing provident fund account balance and details inquiry, monthly supply inquiry; Provident fund loan balance and details inquiry, repayment plan inquiry, provident fund loan self-service repayment, loan trial calculation, etc.
Inquiry process: individuals who have not signed up for CCB online banking need to go to the outlets with their identity documents, go through the signing procedures, and then log in to CCB online banking to add personal housing provident fund accounts for inquiry; Customers who have registered online banking of CCB only need to add personal housing provident fund account number under their online banking customer number to query.
2. Mobile banking
Inquiry contents: individual housing provident fund account balance inquiry, monthly supply inquiry, detailed information inquiry, etc.
Inquiry process: download and run CCB mobile banking software, open mobile banking service, and add personal housing provident fund account number for inquiry; SMS customers must bring their ID cards to the outlets of China Construction Bank or telephone banking to complete the signing and account addition of the provident fund SMS service customers.
3. Telephone banking business
Inquiry contents: individual housing provident fund account balance and details inquiry, monthly payment inquiry, provident fund loan balance and details inquiry, settlement trial calculation, etc.
Inquiry process: customers need to bring their ID cards to CCB outlets for telephone banking inquiry service of provident fund. After handling, they can call 95533, make relevant inquiries according to the voice prompts, and make a trial calculation of the loan settlement.
4. Self-service bank
Inquiry contents: personal provident fund account balance inquiry, monthly deposit inquiry, detailed information inquiry, self-service terminal filling and printing special passbook (account book) for housing provident fund, provident fund loan balance and detailed inquiry.
How to inquire about the loan amount of provident fund?
1. Lenders who want to inquire about their own provident fund loan amount can do so through the local provident fund management center. Generally speaking, the official check is accurate (the data is for reference only), because the provident fund management center will not only look at your loan qualification on the one hand, but also your income and credit on the other.
Second, the specific query method, taking Chengdu as an example:
1. Step 1, open any browser (Baidu, Sohu, Quark, 360) and log in to official website, the provident fund management center of this district (search Chengdu Housing Provident Fund Management Center online).
2. Step 2: After logging into the account, enter the account password to inquire about the deposit and balance of personal provident fund.
3. Step 3: Click the page to return to the homepage of the Provident Fund Management Center. There is a "loan calculator" under the column of "convenient service". Let's click to enter.
Step 4: We fill in the corresponding mortgage and provident fund information and click "Query".
5. The results will be returned below to see how much our provident fund can borrow. Although Chengdu is taken as an example, other cities have similar inquiry methods, and all of them can be inquired through official website, the local housing provident fund management center.
Provident fund loan conditions:
1. The lender must have permanent residence or valid residence status in this city;
2. From the date of application, the housing provident fund has been paid in full for more than 12 months (if both husband and wife have paid the provident fund, only one person is allowed to borrow);
3. It is necessary to have contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law;
4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price);
5. The lender has stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit);
6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.
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Which department should I check the loan amount of provident fund? How to inquire about the loan amount of provident fund?
If you want to inquire about the amount of provident fund loans, customers can directly call the staff of the local housing provident fund management center; Or go to the management center outlet and ask the counter staff.
Everyone needs to note that there will be restrictions on the maximum amount of provident fund loans in various places. For example, the maximum loan amount in Changsha is 600,000. It does not mean that customers can borrow as much as they want.
In addition, the amount of provident fund loan may be related to the balance paid in the customer's provident fund account, which is generally a multiple (the regulations may be different in different places, such as Changsha: the amount of personal housing provident fund loan applied by employees' families is 15 times the sum of the balance of the husband and wife's housing provident fund accounts).
If you refer to the repayment ability coefficient, the formula is: loan amount of provident fund = [(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month), and the customer can also calculate the amount according to the formula.
Where can I inquire about provident fund loans?
How to inquire about the loan amount of housing provident fund? More and more people apply for housing provident fund loans, but some people may not know how to check their loan amount. This paper introduces three methods to inquire about the loan amount of housing provident fund.
A, line query method
1, customer service query:
Online consultation
Call the local housing provident fund management customer service phone and inquire through the automatic voice system (charged by ordinary local telephone).
2, official website query:
You can log in to official website, the local housing provident fund, and enter the user name and password for inquiry.
3, calculator query:
Use the online housing provident fund loan calculator for inquiry. The general repayment method is average capital or equal principal and interest, and fill in the loan term, provident fund loan amount and provident fund interest rate; Select whether to display repayment details, and click "Calculate" to obtain detailed information such as monthly repayment amount, total loan interest and total repayment amount.
Bian Xiao reminded:
Due to different local policies in different provinces and cities, there are deviations in accounting methods, required information and final loan amount. For a reliable inquiry method of housing provident fund loan amount, it is suggested that borrowers bring their ID cards to the local credit information office for inquiry.
Second, the line calculation method
1. First, it is necessary to calculate the monthly income of the lender and the applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;
2. Secondly, it is necessary to calculate the upper limit of the family loanable amount: the upper limit of the loanable amount is the remaining amount of the family's monthly income after deducting at least 400 yuan's living expenses, and then divided by the monthly repayment amount of each 10,000 yuan loan within the loan application period;
3. After that, the specific loan amount should consider the upper limit of single loan amount, the upper limit of loanable amount, the lower limit of down payment amount, credit rating and collateral evaluation value.
4. Calculation formula:
Loan amount = sum of individual monthly contributions of the borrower and spouse to provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period.
Provident fund housing loan is indeed a more suitable way for our daily working class to buy a house, because provident fund can not only reduce the pressure on everyone to buy a house, but also reduce the pressure on newly employed people to rent a house. The scope of use of housing provident fund is only in buying a house, decorating and renting a house, so we should have a basic understanding of how to use housing provident fund to bring benefits to ourselves.