1. Handling in the provident fund service hall: Go to the housing provident fund service hall where the deposit is made, and go through the binding formalities with the undertaking bank;
2. Handling on the bank terminal: handling the binding of provident fund account on the bank self-service terminal service machine.
3. Online processing: log in to official website, the provident fund undertaking bank, and find the provident fund account to bind the bank card.
1. Use of provident fund: Housing provident fund, as the name implies, is a sum of money related to the house; But in addition to letting you borrow money to buy a house and marry the person you love; There are many other uses of provident fund: in addition to the most common loans, provident fund is used in many scenes in life. For example, buying a house, decorating, renting a house or seeing a child. For young people who have just come out of first-tier cities to work hard, it is difficult to buy a house or even rent a house; The salary just paid every month is handed over to the landlord before it is hot. In fact, as long as the conditions are met, the provident fund can be used to pay rent. If your house is to be renovated, you can also use the provident fund in this case. But at present, many provinces and cities have gradually cancelled this use. I called the provident fund centers in the four major cities of North, Shanghai, Guangzhou and Shenzhen, and they all replied that they could not be used for decoration.
2. Loan method of the provident fund: Although the provident fund has various messy functions, of course, what we value most is the loan. There are two options for housing loans, one is provident fund loans and the other is commercial loans. The interest rate of provident fund loans is about 60% of commercial loans. With the same money, you can save a BMW 5 Series in 30 years. Even if you have enough cash on hand to buy a house, you can still apply for a provident fund loan. With cash financing, as long as the yield is higher than the loan interest rate of 3.25%, it is pure profit. Therefore, the provident fund loan is a very important invisible welfare. This is also the reason why some people would rather have a lower salary than go to work in a unit with a provident fund deposit.