There are three main methods: processing at the service hall and processing at the terminal.

1. Handle at the provident fund service hall: go to the housing provident fund service hall where the deposit is made, find the bank that handles the withdrawal business, and go through the binding procedures; 2. Handle at the bank's terminal: handle the provident fund account binding at the bank's self-service terminal service machine

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3. Apply online: Log in to the official website of the provident fund sponsoring bank, find the provident fund account, and bind the bank card.

1. The use of provident fund: Housing provident fund, as the name suggests, is a sum of money related to a house; but in addition to allowing you to get a loan to buy a house and marry your beloved; the provident fund also has many other uses: in addition to the most common loans, in life

Provident funds are used in many scenarios.

For example, buying a house for your children, decorating it, renting a house, or seeing a doctor, etc.

For young people who have just come out of first-tier cities to work hard, it is difficult to buy a house, and even renting a house is not easy; the salary that is just paid every month is handed over to the landlord before it is warm.

In fact, as long as the conditions are met, the provident fund can be used to pay rent.

If your house needs to be renovated, you can also withdraw the provident fund for use in this case.

However, many provinces and cities are gradually canceling this use.

I called the provident fund centers in the four major cities of Beijing, Shanghai, Guangzhou and Shenzhen, and they all responded that they could not be used for decoration.

2. Provident fund loan methods: Although the provident fund has various functions, the one we value most is of course loans.

There are two options for buying a house loan, one is a provident fund loan and the other is a commercial loan.

The interest rate of provident fund loans is about 40% off that of commercial loans. With the same loan, you can save a BMW 5 Series in 30 years.

Even if you have enough cash on hand to buy a house, you can still take out a provident fund loan.

If you use cash for financial management, as long as the yield is higher than the loan interest rate of 3.25%, it will be a net profit. Therefore, provident fund loans are a very important hidden benefit.

Some people would rather have a lower salary and work in a unit where provident fund contributions are made. This is also the reason.