Changchun housing accumulation fund

Changchun housing provident fund inquiry

1. You can call the service hotline "12329" to input personal reconciliation information in the automatic voice broadcast system for inquiry, and input the personal provident fund customer number (12 digits) and ID number according to the voice prompt.

2. Enter the Hangzhou Housing Provident Fund Network (www.hzgjj.gov.cn) (online business-personal business), and enter the personal provident fund customer number (12 digits) and ID number for registration and inquiry.

3. I hold the original ID card to the policy consultation window of the central collection service hall for inquiry.

4. With the citizen card, go to the center to collect and extract the machine card from the service hall.

5. Go to the center to collect and extract the multimedia inquiry machine in the service hall for self-inquiry.

Changchun housing provident fund loan

Requirements for Changchun to apply for housing provident fund loans

1. Only employees who participate in the housing provident fund system can apply for housing provident fund. The participation in the housing provident fund system here is based on the income of different companies. Some companies will directly pay the housing provident fund for employees, while others provide this convenience for employees, but they need to pay it themselves. It is also required that employees who participate in the housing provident fund system must pay the housing provident fund continuously for not less than 6 months.

2. If the person who wants to apply for the housing provident fund has a spouse, no matter which party applies for the fat provident fund loan, neither party can get the housing provident fund loan before paying off the loan principal and interest.

3. Applicants for housing provident fund loans must not only have relatively stable economic income and the ability to repay loans, but also cannot bear large debts that may affect the repayment ability of housing provident fund loans. Moreover, applicants for housing provident fund should also have at least 20% of the total price of the house to be purchased.

Moreover, the use of housing provident fund loans is limited, limited to the purchase of legally owned houses, and the types of houses purchased must also meet the requirements. Applicants who purchase the right to use houses cannot apply for housing provident fund loans. The longest term of housing provident fund loans is 20 years, which means that the principal and interest should be paid off within 20 years. Moreover, the longer the loan period, the higher the interest rate, which means the more money to be repaid in the end.

How to extract Changchun housing provident fund

If you are a non-local household registration, it is easier to withdraw after leaving your job (go to the original unit to apply for withdrawal and then go to the local housing provident fund management center). If it is a local household registration, it will take several years to withdraw, but these two kinds of withdrawals can only withdraw their own contributions, which is not cost-effective. It is best to use provident fund loans to buy a house, and you can use them all.

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