Since the emergence of the provident fund, it has been closely related to our lives, especially in a fast-developing first-tier city like Shenzhen. Understanding the provident fund is something that every one of us working hard in Shenzhen must do. This article mainly I would like to introduce to you the Shenzhen Housing Provident Fund payment ratio, Shenzhen Housing Provident Fund inquiry and Shenzhen Housing Provident Fund withdrawal, dedicated to everyone who works hard in Shenzhen.

Shenzhen Housing Provident Fund Ratio

The Shenzhen Housing Provident Fund payment ratio ranges from 10% to 40%. 1. The employer and employees bear half of the contribution. 2. The employer and individual employees bear the contribution respectively. The deposit ratio is determined between 5% and 20%. Assuming that the employer’s contribution ratio is 20%, the employer shall bear 10% and the individual shall bear 10%.

Shenzhen Housing Provident Fund Inquiry

(1), Online Inquiry

You can enter the Shenzhen Housing Provident Fund official inquiry website to check the provident fund situation,

< p>Inquiry items include: personal housing provident fund inquiry, provident fund loan interest rate, credit housing provident fund loan and other issues.

(2) Telephone inquiry

The provident fund consultation customer service phone number is 0755-12329

Service hours: Monday to Friday 8:00-22:00.

The specific items to be queried include: individual housing provident fund inquiries, provident fund loan interest rates, credit housing provident fund loans and other issues.

(3), service outlets

1. Futian Housing Provident Fund Center Management Department

Address: Building 1, Qiaoxiang Village, No. 2008 Qiaoxiang Road, Futian District, Shenzhen Podium building

Working hours: Monday to Friday morning: 9:00-12:00; afternoon: 13:00-17:00

Tel: 0755-12329

2. Baoan Housing Provident Fund Center Management Department

Address: 2nd Floor, East Side of Huafeng Economic Building, No. 288 Xixiang Avenue, Baoan District

Working hours: Monday to Friday Morning: 9:00-12:00; Afternoon: 13:00-17:00

Tel: 0755-12329

3. Longgang Housing Provident Fund Center Management Department

Address: A202, Floor 2, Building 2, Tianan Digital New City, Longgang, Huangge North Road, Longgang District, Shenzhen

Working hours: Monday to Friday morning: 9:00-12:00; afternoon: 13 :00—17:00

Telephone: 0755-12329

Shenzhen Housing Provident Fund Withdrawal Conditions

House Purchase Withdrawal Conditions

(1) Purchase a house with a card

1. The initial password of the housing provident fund account has been changed before handling the withdrawal business;

2. The applicant is an employee who pays the housing provident fund (a joint-name housing provident fund card has been made) ;

3. The reason for withdrawal is to purchase a house with ownership.

(2) House purchase without card

1. When employees who have paid housing provident fund purchase a house with ownership, they can apply to withdraw the employee's own social housing provident fund.

2. The applicant’s collection account must be a debit card account in Shenzhen of the three centralized banks: China Construction Bank, China Merchants Bank and Bank of China.

(3) House purchase in another place

1. The initial password of the housing provident fund account has been changed before handling the withdrawal business;

2. House purchase invoice, deed tax receipt, The issuance time of special receipts and other bills and the time when the employee applies for withdrawal should be within two years;

3. The reason for withdrawal is the purchase of a house with ownership;

4. Within the limited period of the bill You can only apply for one withdrawal.

(4) House purchase in this city

1. The initial password of the housing provident fund account has been changed before handling the withdrawal business;

2. House purchase invoice and deed tax receipt , special receipts and other bills should be issued within two years from the time when the employee applies for withdrawal;

3. The reason for withdrawal is the purchase of a house with ownership;

4. During the limited period of the bill You can only apply for one withdrawal within a period.

Conditions for rent withdrawal

(1) The initial password of the housing provident fund account must be modified before handling the withdrawal business. Employees can log in to the online service hall of the Shenzhen Housing Provident Fund Management Center to modify it directly;

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(2) To handle the housing provident fund withdrawal business for the first time, you need to go to any housing provident fund bank branch of the co-branded card issuing bank. To apply again, any housing provident fund bank branch of China Construction Bank Shenzhen Branch, China Merchants Bank Shenzhen Branch, and Bank of China Shenzhen Branch can handle it;

(3) Employees apply to withdraw once a month. If it is not withdrawn in the current year, it can be withdrawn cumulatively in subsequent years; (will be implemented from November 1, 2023)

(4) The amount that can be withdrawn from the housing provident fund shall be calculated by the Shenzhen Housing Provident Fund Management Center in accordance with the "Shenzhen Municipal Housing Provident Fund Management Center" The amount reviewed by the Interim Provisions on the Administration of Withdrawal of Housing Provident Fund shall prevail.

Conditions for loan repayment and withdrawal

(1) Employees who have signed the "Shenzhen Housing Provident Fund Loan Repayment Entrustment Withdrawal Agreement", during the period of monthly loan repayment entrustment and withdrawal, must go to the lending bank in advance If part or all of the personal housing commercial loan (including the commercial loan part of the portfolio loan) is repaid, the employee can apply to withdraw the amount in the employee's housing provident fund account.

(2) The time when employees choose this withdrawal situation must be within the validity period of the "Shenzhen Housing Provident Fund Loan Repayment Entrusted Withdrawal Agreement";

(3) Employees must repay the loan in advance Apply for early loan repayment and withdrawal in the same month or the following month.

Withdrawal process

General withdrawal process

(1) Modify the initial password of the housing provident fund account: Employees can log in to the online service hall of the Shenzhen Housing Provident Fund Management Center to modify it directly ,If it has been modified, you can skip this operation process.

(2) Online appointment for provident fund withdrawal: Staff → Log in to the official website → Log in to the service hall → Log in (with digital certificate/secret key) → Click the "Withdrawal business appointment" module → Fill in the information → Make an appointment and the time Place.

(3) Processing for withdrawal: Applicant → Hold the required application materials → Go to the counter of the housing provident fund business bank outlet → handle the business.