1, which may be due to incorrect personal information. When paying the provident fund, if the personal information filled in is wrong, such as name, ID number, etc. , the payment record will not be recorded correctly;
2. It may be because the unit didn't pay the salary in time. Some units may be in arrears with the provident fund, resulting in the failure to record the provident fund paid by individuals in personal accounts in time;
3. It may be because of the system failure of the provident fund center. When the system is maintained or updated, there may be some faults, which will make it impossible to record the provident fund records normally.
Provident fund loan process:
1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;
3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";
4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;
5. Sign a loan contract;
6, housing fund management center and the entrusted bank loan agreement;
7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the housing fund management center for approval;
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
To sum up, the situation that the provident fund was clearly paid but not displayed may be caused by personal information error, the unit failed to pay it in time or system failure. Individuals can solve the problem by inquiring personal information, contacting the unit and consulting the provident fund center.
Legal basis:
Article 36 of the Regulations on the Management of Housing Provident Fund
Workers and units have the right to inquire about the deposit and withdrawal of their housing provident fund, and the housing provident fund management center and the entrusted bank shall not refuse.
Workers and units have objections to the storage balance in the housing provident fund account, and may apply to the entrusted bank for review; If there is any objection to the results of the review, you may apply to the housing provident fund management center for review. The entrusted bank and housing provident fund management center shall give a written reply within 5 days from the date of receiving the application.
Workers have the right to expose, report and accuse the misappropriation of housing provident fund.