1. The application process of CCB provident fund dragon card can be handled by the unit where the employees work, or by qualified employees at the designated outlets of CCB. 2. The application process of entrusted withdrawal of CCB provident fund for repayment is applied by qualified individuals and spouses. After being audited by the unit and approved by the housing provident fund management department, China Construction Bank signed the Agreement on Repayment of Housing Provident Fund, and China Construction Bank regularly (monthly, quarterly and annually) withdrew the housing provident fund of employees and their spouses in accordance with the agreement, directly returned the individual housing loans of employees, or transferred it to its entrusted deduction account for repayment. 3. CCB provident fund personal housing loan handling process 1 applicable. The loan applicant shall submit a written loan application and relevant materials, which shall be accepted by the Construction Bank and submitted to the housing provident fund management department or directly applied to the housing provident fund management department. Sign the contract. After the loan application is approved by the housing provident fund management department, the Construction Bank will sign a loan contract and a guarantee contract with the borrower. The borrower who chooses the entrusted deduction method must open a dragon card or savings account in China Construction Bank. Mortgage registration and insurance. The Construction Bank shall, in accordance with the requirements of the loan contract and the housing provident fund management department, handle the procedures of housing mortgage registration, contract notarization and housing insurance. 4 expenses. According to the loan contract, CCB will open a loan account for the borrower and transfer the loan funds to the seller's special account for house purchase or other designated accounts. 5 repay the loan on schedule. According to the repayment plan and repayment method agreed in the loan contract, the borrower entrusts the Construction Bank to deduct money by stages or go to the counter of the Construction Bank to repay the principal and interest of the provident fund loan on schedule. 6 contract change. During the execution of the contract, the borrower may apply to the Construction Bank or the housing fund management department for changing the loan term, repayment method, prepayment, etc. After the approval, the Construction Bank will handle the contract modification procedures for the borrower. 7 loan settlement. The Construction Bank issues the Loan Settlement Certificate for the borrower, and the borrower gets back the mortgage registration certificate and other documents, and goes through the mortgage registration cancellation procedures at the original mortgage registration department. 4. Provident fund collection business 1 account opening. Individual workers belong to the unit, according to the provisions of the local housing provident fund management center for deposit registration, to the Construction Bank for housing provident fund unit account and personal account establishment procedures. 2 Remittance. Individual subordinate units of employees shall go to the bank to handle the formalities of housing provident fund deposit in accordance with the approved deposit amount and number of depositors. 3 abstinence. Individual employees submit the application materials for withdrawal, and after the approval of the subordinate units or the housing provident fund management department, the Construction Bank will handle the procedures for withdrawing funds for individual employees. 4 transfer. Due to job transfer, the transfer-in unit applies for account transfer for individual employees, and handles account transfer business for individual employees after being approved by the housing provident fund management department or audited by the Construction Bank. 5 radix adjustment. After the data submitted by the individual employee unit for adjusting the base is verified by the Construction Bank, the employee housing provident fund personal account deposit base adjustment procedures shall be handled. 6 interest settlement reconciliation. The Construction Bank shall, in accordance with the regulations and requirements, settle the interest of employees' personal accounts, and regularly check the deposit and withdrawal of housing provident fund personal accounts with customers. 7 account inquiry. The Construction Bank issues provident fund dragon cards and special passbooks (for account books) to individual employees, and individual employees go to the outlets of the Construction Bank to inquire about personal accounts of housing provident fund or use the electronic channels of the Construction Bank for self-inquiry.

Second, how does the company handle the provident fund in CCB?

To apply for the provident fund card of CCB, it is necessary to confirm whether there is cooperation between CCB and the housing provident fund management center in the insured area. It is suggested to call the customer service hotline of CCB 95533 or the housing provident fund hotline 12329 for consultation in advance.

If there is cooperation, individuals who have paid housing provident fund can bring their identity documents to any business outlet of China Construction Bank and fill out the Application Form for Provident Fund Card to apply for a provident fund card.

When an agent entrusts others to apply for a card, it is necessary to provide the identity documents of the applicant and the agent at the same time. The provident fund card entrusted by others still needs to be used normally after I bring my ID card to CCB outlets to verify my identity.

Three, how to apply for provident fund loans in CCB? What is the process?

Workers in any of the following circumstances may apply for withdrawal of housing provident fund.

(a) the purchase of owner-occupied housing, provide the purchase contract, agreement or other proof;

(two) the purchase of owner-occupied housing, provide the approval documents or other documents of the competent department of construction and land administration;

(three) renovation, overhaul occupied housing, provide the approval documents or other documents of the planning administrative department;

(4) certificates of retirement and resignation;

(five) completely lose the ability to work and terminate the labor relationship with the unit, provide proof of complete loss of labor ability and proof of termination of labor relations;

(six) after the termination of the labor relationship with the unit, if it has not been re-employed for five years, it shall provide proof of unemployment;

(seven) to settle abroad, provide exit certificates;

(eight) accounts to move out of the administrative region of this province, to provide proof of migration;

(nine) to repay the principal and interest of the house purchase loan and provide the house purchase loan contract;

(ten) to pay the rent, provide proof of wage income and housing lease contract;

(eleven) migrant workers and units to terminate the labor relationship, provide proof of household registration and proof of termination of labor relations;

(twelve) other circumstances stipulated by the housing provident fund management center.

Extraction method:

I. Withdrawal of housing accumulation fund

1, yishoufang extraction:

(1) Original and photocopy of the house purchase contract or house purchase agreement;

(2) The original and photocopy of the purchase invoice;

(3) The original and photocopy of the employee's ID card shall be used to extract the provident fund;

(4) Withdraw the provident fund from the employee's own bank savings account; In addition to the above information, the employee spouse's provident fund withdrawal should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer's provident fund withdrawal record.

2, second-hand housing extraction:

(1) Original and photocopy of the real estate license;

(2) Original and photocopy of deed tax payment certificate;

(3) The original and photocopy of the employee's ID card shall be used to extract the provident fund;

(4) Withdraw the provident fund from the employee's own bank savings account; When employees' spouses withdraw provident fund, in addition to the above information, they should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer's provident fund withdrawal record.

3, employees purchase public housing for the first time to withdraw provident fund:

(1) The original and photocopy of the house purchase agreement or house purchase certificate issued by the housing management department of the unit;

(2) The original and photocopy of the purchase receipt.

4. What are the procedures for CCB to handle provident fund loans?

Construction Bank provident fund loan processing flow is as follows:

(1) application. The loan applicant shall submit a written loan application and relevant materials, which shall be accepted by the Construction Bank and submitted to the housing provident fund management department or directly applied to the housing provident fund management department.

With the approval of the housing provident fund management department, the borrower who signs the entrusted deduction loan with the borrower shall open a dragon card or savings account in the Construction Bank.

③ Mortgage registration and insurance. The Construction Bank shall, in accordance with the requirements of the loan contract and the housing provident fund management department, handle the procedures of housing mortgage registration, contract notarization and housing insurance.

(4) It is agreed in this contract to open a loan account for the borrower and transfer the loan funds to the special account for the seller's house purchase money or

⑤ Repay on schedule. The borrower shall deduct money according to the repayment plan agreed in the loan contract or go to the counter of the Construction Bank to repay the principal and interest of the provident fund loan on schedule.

⑥ Contract change. During the execution of the contract, the bank or housing fund management department applies for changing the loan term, repayment method and prepayment. After examination and approval, the Construction Bank will handle the contract modification procedures for the borrower.