Xiamen can withdraw the provident fund to repay the loan on a monthly basis, and the housing provident fund co-branded card is activated.

Xiamen can withdraw the provident fund to repay the loan on a monthly basis, and the housing provident fund co-branded card is activated.

In the past, citizens could only pay provident fund through corresponding accounts. Now, citizens can make payments conveniently through multifunctional financial IC cards that integrate the functions of bank debit cards. Recently, the reporter learned from Xiamen Housing Provident Fund Management Center that starting from May 1, Xiamen Housing Provident Fund Management Center will cooperate with seven banks entrusted with housing provident fund deposit business to issue Xiamen housing provident fund co-branded cards to employees who deposit housing provident fund in our city.

Payee: employees who normally pay the provident fund.

In the past, after the unit deposited the housing provident fund for employees to open an account, the opening bank would provide an individual housing provident fund account. However, because there is no physical card, many employees don't know what their own provident fund account number is, which is very inconvenient to handle business.

The joint housing provident fund card, which will be launched on May 1, is a multifunctional financial IC card that integrates the functions of housing provident fund card and bank debit card, and is a' valid certificate' for employees to pay housing provident fund. Through the co-branded card, the paid employees can conveniently and timely know the deposit, withdrawal, interest and deposit balance of their own housing provident fund, which will greatly improve the personal basic information of the paid employees, ensure the safety of funds, broaden the channels for handling and serving the housing provident fund business in the future, and improve the efficiency of the housing provident fund business. The co-branded card will be distributed to employees who normally pay the housing provident fund in our city.

What is the function: you can withdraw the provident fund and repay the loan month by month.

In addition to the basic function as a valid voucher for employees to pay housing provident fund, the staff of the Municipal Housing Provident Fund Center told reporters that the co-branded card also has all the financial service functions of ordinary bank debit cards. In addition, the following functions are also the highlights of the co-branded card:

1. Housing accumulation fund extraction and transfer function. The housing provident fund withdrawn by the provident fund center is directly transferred to the savings account of the joint card.

2. Withdraw the repayment function of housing provident fund every month. If a co-branded card is used as the repayment account of individual housing mortgage loans (including housing provident fund loans, housing portfolio loans, commercial housing loans or revolutionary business loans), upon the application of employees, they can apply for monthly withdrawal of housing provident fund repayment, and directly withdraw funds from the co-branded card housing provident fund account every month and transfer them to the card savings account to repay the loan principal and interest of the month.

3. Multi-channel inquiry of housing provident fund account. Cardholders can check the deposit, withdrawal, interest and deposit balance of employees' own housing provident fund through ATM, self-service terminal, bank counter and the website of provident fund center. Cardholders can use self-service terminal printing, counter printing, etc. Get the statement, or you can query the electronic statement through online banking.

The reporter learned from the Municipal Housing Provident Fund Management Center that there are many fee concessions for using co-branded cards. The first is to exempt the card cost and the annual card fee; Secondly, the small account management fee is reduced, and the fees of physical media (such as Internet shield, U shield or cipher) for mobile banking and online banking are exempted. In addition, according to its maximum preferential margin, the bank will reduce or exempt the fees of services such as off-site transfer, inter-bank transaction and SMS reminder service fee.

How to handle it: unified application by the unit.

How to handle the joint card? It is reported that the joint card will be handled by the depositor in batches at the bank where the housing provident fund is opened, and the application time is from May 1 day to August 3 1 day, 2005. I would like to remind you that each employee can only apply for a joint provident fund card at the same issuing bank. If employees have multiple provident fund accounts or account information is missing, they need to go through the formalities of account merger and information change before they can apply for a joint provident fund card.

For the depositor who opened the housing provident fund unit account on May 1 Rixin, it is necessary to apply for a joint provident fund card at the same time as opening the account. For the newly hired and transferred employees, the unit shall open a housing provident fund account for the employees at the same time (after May 1 day) and apply for a joint provident fund card for them.

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