1. Open the Alipay mobile APP, find the "Citizen Center" option on the Alipay homepage and click to enter;
2. After entering the Civic Center page, find the "Provident Fund" option on the "Service Hall" page and click Enter;
3. Then click "Online Service"-"Provident Fund Inquiry", and click "Use Service" after entering;
4. Then follow the prompts for authentication and brush your face to complete the authentication.
5. After completing the authentication, users only need to enter their own housing provident fund account number and password to log in;
6. Then click "Housing Provident Fund Withdrawal Application" and follow the prompts.
Second, what is the specific process of Shenyang provident fund loan?
You are a local! Need to bring ID card, household registration book, marriage certificate, salary or half-year running of ordinary bank account, income certificate issued by the unit and other asset certificates. These things can be handled in any bank and the interest rate is the same.
Jiangmen Dong Jun!
Three, Shenyang housing provident fund loan conditions
I. Housing
1. Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, but they have not participated in the housing provident fund system loans.
2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for housing provident fund personal housing loans: that is, the time for applying for housing provident fund is not less than six months.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife are not allowed to obtain a housing provident fund loan again before the principal and interest of the loan are fully paid off.
4. The loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans.
After 5.30 years, the loan conditions of provident fund loans and commercial housing loans for portfolio loans must be consistent.
Second, the housing provident fund loan amount
1, sum of individual monthly contributions of the loan applicant and spouse's provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period)
2. If the deposit ratio of husband and wife is inconsistent, the actual deposit ratio shall be determined by the party with higher proportion.
3, not higher than the limit of the loan applicant and his spouse.
4. When applying for provident fund loans, the monthly repayment amount/monthly income should not exceed 50%.
Extended data:
Housing provident fund loan process
I. Submission of information
When the borrower applies for the provident fund guarantee from the management department of the provident fund management center where he has paid the provident fund, he shall submit materials including the materials required for the guarantee application, including the marriage certificate of the individual and spouse, the down payment certificate of the house purchase, the house purchase contract, the housing provident fund, etc.
Second, the audit notice
After the loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application and print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents.
Three. agree
The guarantee center shall review the guarantee application. If the borrower meets the guarantee conditions, the guarantee center shall issue an approval letter for the guarantee application. If the borrower entrusts a loan, the agency shall be responsible for handling the guarantee application procedures and collecting the guarantee service fee.
Fourth, payment
The borrower shall pay the guarantee service fee according to the audit. Legal documents such as loan contract, mortgage (counter-guarantee) contract and custody contract issued by the guarantee center are stamped with the official seal of the guarantee center.
Verb (abbreviation for verb) material transfer
If the audited personal loan application materials (including the sealed contract) are transferred to the housing provident fund agency by the guarantee center, the intermediary agency shall be responsible for the transfer of the above materials.
Intransitive verbs sign contracts.
The housing provident fund management department shall supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.