Shanghai provident fund loan hotline Shanghai provident fund loan telephone consultation

The hotline of Shanghai Provident Fund is 12329.

12329 housing provident fund hotline provides manual voice service and self-service voice service. The artificial voice service is available from Monday to Saturday from 9:00- 17:00, and the service contents include business consultation, complaints and suggestions, and loan reservation for affordable housing. Self-service voice service is provided 24 hours a day from Monday to Sunday. The services include personal account information inquiry, loan qualification and quota inquiry, business guide (business handling process) inquiry, outlet inquiry, etc.

Precautions:

Personal provident fund account number and ID number must be entered at the same time when querying provident fund account information. You can directly ask the handling personnel of the provident fund deposit unit (including the original deposit unit) for your account information; You can also bring your ID card to the nearest provident fund management center, business outlets and China Construction Bank outlets with provident fund business. In addition, there is a provident fund account number on the annual balance sheet of individual provident fund.

Shanghai Provident Fund Management Center Business Network _ Shanghai Housing Provident Fund Account Inquiry

I believe many people who have never been to Shanghai will be curious about the prosperity of Shanghai. Indeed, this international metropolis has attracted a large number of revolutionaries, businessmen, immigrants and so on. Since the day of free and open policy, people from all over the country and all over the world have injected a batch of new blood into Shanghai. Friends who are about to buy a house in Shanghai may be interested in the relevant information of Shanghai housing provident fund. The following small series will introduce some information about the business outlets of Shanghai Provident Fund Management Center.

Business outlets of Shanghai Provident Fund Management Center:

Hongkou District Management Department 1:

Address: 2/F, Ruihong Road 156 (near Rainbow Road)

Transportation: No.47, 134, 597, 75 1, 875 and 528 of Linping Road Station of Metro Line 4.

Tel: 63240040

2. Yangpu District Management Department:

Address: Room 606, Weibaixin Building, Kongjiang Road 1688 (at the intersection of Kongjiang Road, Shuangliao Road)

Transportation: No.843, No.220, No.863, No.843, No.6, 14, No.220, 103, No.871and 103, and get off at Jiangpu Road Station of Metro Line 8.

Tel: 5580 1450

3. Minhang District Management Department:

Address: Floor 1, No.303 Shuiqing Road (opposite Minhang Branch of Shanghai Talent Development Center)

Transportation: No.700, No.759, No.763, No.756 Songxin Line 173 Minhang Line 1 Road 704B Road 753 Xinhua Line Subway Line 1 Xinzhuang Station, etc.

Tel: 64885900

4. Changning District Management Office:

Address: 4th Floor, No.600 Jianhe Road (near Xianxia West Road)

Transportation: No.54 91196 739 807 88 8361217, etc.

Tel: 62733566

5. Lower North District Management Department:

Address: Room 207, Juyuan Building, Qiu Jiang Road 1000 (Huiwen Road intersection)

Transportation: Get off at Baoshan Road Station of Metro Line 3 and Line 4 of No.962, No.78, No.929 and No.69..

Tel: 6325 1 146

Inquiry method of Shanghai housing provident fund account:

Online inquiry:

Login to official website, Shanghai Provident Fund Management Center:

1. After opening the page, enter the user name, password and verification code for query.

2. Non-members need to register at the bottom of the opened page and fill in their user name, password and mobile phone number. After registration, you must become a member of this website to inquire.

Mobile phone query:

Method 1: Download the mobile phone client of Shanghai Housing Provident Fund Network (you can scan the QR code).

Tips 1: To use the mobile phone client of Shanghai Housing Provident Fund Network, users must register, and after registration, users can log in and inquire. At present, the registration method is:

(1) through user registration;

(2) User registration through the mobile phone client of Shanghai Housing Provident Fund Network.

Tips2: The service provided by Shanghai Housing Provident Fund Network is completely free, but it will generate corresponding traffic.

Method 2: SMS

In the past, when registering for the first time, I would fill in my mobile phone number (service fee 2 yuan/month), and after I became a member of the website, I could open the SMS query function.

On-site inquiry:

Address of Shanghai Provident Fund Management Center: 4th Floor, No.725 Fuzhou Road, Huangpu District, Shanghai.

Shanghai Provident Fund Management Center Tel: (02 1)63843088

Shanghai Provident Fund Management Center Service Hotline: 12329

Shanghai Housing Provident Fund Loan:

1. Loan terms:

(1) has a permanent residence in this city;

(two) before the application, the housing provident fund has been continuously paid for not less than six months, and the accumulated housing provident fund has been paid for not less than two years;

(3) The purchased house meets the architectural design standards stipulated by the Municipal Provident Fund Center;

(4) The down payment for house purchase shall not be less than the prescribed proportion;

(5) Having a relatively stable economic income and the ability to repay loans;

(6) There is no outstanding debt with a large amount that may affect the loan repayment ability.

The architectural design standards in Item (3) of the preceding paragraph and the proportion specified in Item (4) shall be drawn up by the Municipal Provident Fund Center, implemented after being approved by the Shanghai Housing Commission, and announced to the public.

2. Loan interest rate:

(1) The personal loan interest rate of housing provident fund for less than five years (including five years) will be adjusted from the current 4.32% to 4.05%, and for more than five years, it will be adjusted from the current 4.86% to 4.59%, down by 0.27 percentage points respectively.

(2) Loans issued after June 27, 2008 (including June 27, 2008) shall be implemented in accordance with the provisions notified by the Ministry of Housing and Urban-Rural Development and the People's Bank of China. Outstanding loans issued before June 27th, 2008+October 27th, 2008 1 shall be implemented according to the above notice from June 65438+10/day, 2009.

3. Calculation formula:

(1) Calculation method of loan amount

The specific amount of each provident fund loan is calculated according to the amount applied by the borrower and the limit standard stipulated in Article 9. If the application amount does not exceed the total limit, the application amount shall be taken as the loan amount; If the application amount exceeds any limit, the minimum limit will be used as the loan amount.

(2) Calculation method of monthly repayment amount

Provident fund loans within one year shall be paid off in one lump sum at maturity; Provident fund loans with a term of more than one year shall repay the loan principal and interest on a monthly basis.

The borrower who repays the principal and interest of the loan on a monthly basis can choose to calculate the monthly repayment amount by the monthly matching principal and interest repayment method, the monthly repayment method in the average capital or other methods recognized by the Municipal Provident Fund Center.

Official website, Shanghai Provident Fund Management Center:

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Shanghai provident fund telephone

The telephone number of Shanghai provident fund is 02 12329, and the use of the provident fund is as follows:

The key to applying for provident fund loans is whether the provident fund account is used passively or paid off. According to the current implementation method, once the provident fund account is used passively. You can apply again after paying off the principal and interest of the provident fund loan. If you want to continue to apply for provident fund loans, you can only apply for provident fund loans again after paying off the principal and interest of provident fund loans, otherwise it is impossible to apply for provident fund loans again.

You can reapply only after paying off the principal and interest of the loan. According to the relevant staff, if both husband and wife want to buy two suites and apply for provident fund loans, first of all, the real estate license can only indicate the names of both husband and wife. Then apply for provident fund loans with the real estate in your name, so that you can use provident fund loans. If you buy real estate in series, you can only do this, that is, after using one spouse's provident fund loan, only this spouse can apply for provident fund.

The protection provided by the provident fund.

Now there are two main forms of housing loans, commercial loans and provident fund loans. Some people have compared the two forms. Under the comparison of the same house price and different loan methods, the provident fund loan is less than the commercial loan100000 yuan. Because the interest rate of provident fund loans is lower than that of bank commercial loans in the same period, the interest rate is also low, which reduces the economic burden of employees.

Provident funds are not included in the tax part, and are not included in the tax base according to the scope of national tax collection, which indirectly reduces the economic burden of employees. Nowadays, young people are under various pressures, and paying less taxes is also a preferential policy. Therefore, people who have provident fund should make good use of it. As a savings account, housing provident fund is a special savings fund for employees to buy a house or decorate.