What is the enquiry telephone number of Shanghai provident fund loan?

Shanghai provident fund telephone

Shanghai Housing Provident Fund Hotline: 12329.

What are the specific working hours of the Shanghai Housing Provident Fund Hotline?

The reception time of Shanghai housing provident fund hotline is: Monday to Saturday from 9:00- 17:00 (except national statutory holidays).

The definition of housing provident fund includes the following five aspects:

(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

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What is the telephone number of Shanghai Provident Fund Center?

The telephone number of Shanghai Provident Fund Center is 12329.

Personal housing provident fund loan: it is a preferential housing provident fund loan used by the housing provident fund management center and entrusted by commercial banks to the depositors of housing provident fund who purchase, build, renovate and overhaul their own houses and raise funds to build cooperative houses.

Personal housing provident fund portfolio loan: refers to that when the amount of housing provident fund loan is insufficient to pay the house purchase price, the borrower applies for housing provident fund loan, and at the same time applies for commercial personal housing loan from the entrusted bank, and the two loans together form a portfolio loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks.

The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee. The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.

Personal housing provident fund replacement portfolio loan: firstly, the bank issues commercial housing loans to borrowers with bank funds, and then the entrusted bank applies for provident fund loans to the management center on behalf of borrowers. The borrower's provident fund loan amount is controlled within its basic provident fund loan amount and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period by more than 1 year.

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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:

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: