How to inquire about your own provident fund loan information?

The inquiry method of provident fund loan account is as follows:

1. Call 12329 provident fund service hotline with your mobile phone, select self-service inquiry according to voice, and then enter your account number and password.

2. You can send a short message query, edit the short message according to the requirements of the provident fund query format, and then send it;

3. You can use Alipay to check the provident fund for urban services, but some cities may not support this method;

4. The city service on WeChat also has provident fund inquiry function.

Loan target:

The loan target is the employees who have paid the housing provident fund in full for 6 months or paid the housing provident fund in full for 1 year after withdrawal, and have the fact of buying (building) their own houses within 1 year, and have full civil capacity.

Loan terms:

1, the applicant and spouse have valid identification;

2. There is a certain proportion of down payment for the fact that you bought your own house within one year. The down payment is not less than 30% of the total value of the purchased property, and the down payment for the second suite is not less than 60% of the total value of the purchased property;

3. Before applying for a loan, the housing provident fund shall be paid in full and continuously for not less than 6 months;

4, a stable income, good reputation, the ability to repay the loan principal and interest;

5. Agree to provide the guarantee method approved by the Center;

6. The applicant and spouse have no outstanding housing provident fund loans or large debts or are providing large loan guarantees for others;

7. The house applying for commercial loan to provident fund loan must have obtained the house ownership certificate, and there is no legal dispute over the house.

Loan materials

1. Identity documents (resident ID card, household registration book or other valid residence documents)

2. The borrower's family income certificate.

3, housing provident fund deposit certificate.

4. The amount, source and proof of self-raised funds.

5, the purchase of housing to provide compliance with the provisions of the housing purchase contract or agreement; For the construction of owner-occupied housing, the supporting documents and land use certificates approved by the urban construction management department shall be provided (both originals).

6. List of collateral or pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of it, and certificate of collateral valuation issued by relevant departments; The identity certificate and credit certificate of the guarantor.

Loan process

Consultation preparation materials → acceptance and preliminary examination → review → signing a contract (handling mortgage) → approving the loan → the applicant repays the loan principal and interest on a monthly basis.

Loan amount and interest rate

Interest rate: current interest rate: 2.75% for less than 5 years (inclusive) and 3.25% for more than 5 years.

Maximum duration: 30 years. When applying for a loan, the applicant's age plus the application period shall not exceed the applicant's statutory retirement age plus five years, and the guarantor's age plus the loan period shall not exceed the guarantor's statutory retirement age if guaranteed by the guarantor.

Maximum amount: if the applicant has paid the housing provident fund in full for more than 6 months (inclusive), the maximum single loan amount is 300,000 yuan; If the applicant's husband and wife have paid the housing provident fund in full for more than 6 months (inclusive), the maximum single loan amount is 500,000 yuan.

Loan repayment

Matching principal and interest repayment method: that is, the applicant repays the loan principal and interest with the same amount every month.

Average capital repayment method: that is, the applicant repays the loan principal in equal amount every month, and the loan interest decreases with the principal month by month.