Methods to check the balance of housing provident fund: 1. Bring your ID card and provident fund card to the provident fund management center to check; 2. Use your ID number or provident fund account number to check the amount of housing provident fund online: log in to the website of the local housing provident fund center and find "Personal Housing Provident Fund"

"Query" column, find and click to enter; after clicking, the login interface will appear. Select "ID card number" as the login method to log in, then enter the ID number. If you know the provident fund account number, you can also enter the provident fund account number. The default password is generally six 1s.

After entering your personal account, click on provident fund details inquiry to see the amount on the card.

The process of housing provident fund loans: 1. Preliminary review: The Housing Fund Management Center will conduct a preliminary review of the materials submitted by the applicant, including the applicant's qualifications, loan amount, and loan period. After passing the preliminary review, the center will issue a "Collateral Review and Assessment Notice"

》; 2. Evaluation: The applicant takes the "Collateral Review and Evaluation Notice" to the evaluation agency designated by the center to evaluate the value of the house purchased.

Affordable housing does not require evaluation; 3. Review: The applicant brings the "Evaluation Report" issued by the evaluation agency and the preliminary review materials required by the center to the center for loan review.

If qualified, the center will issue the "Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice"; 4. Go through the guarantee procedures: The applicant will hold the "Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice" and go through the guarantee procedures according to the guarantee method of his choice.

If you choose the mortgage guarantee method, the guarantor should issue a written guarantee letter; if you choose the mortgage insurance or third-party guarantee method, you should go to an insurance company to apply for insurance or go to a guarantee agency to go through the entrustment guarantee procedures; 5. Sign a loan contract; 6. Housing

The Fund Management Center signs an entrusted loan agreement with the trustee bank; 7. The borrower directly submits a loan application to the Housing Fund Management Center. The trustee industry can collect the borrower's application on its behalf as needed and submit it to the Housing Fund Management Center for review and approval; 8. Housing

After approving the amount, term, and interest rate of each loan, the Fund Management Center signs an entrusted loan contract with the trustee bank.

To sum up, the housing provident fund is owned by individual employees and is a fund used exclusively by employees for housing consumption.

The housing provident fund system is an important housing security system stipulated by national regulations. The starting point for establishing the housing provident fund system is to solve the problem of urban residents’ shortage of funds to buy and build houses, so that ordinary workers, especially low- and middle-income families, can afford houses and live in them.

house.

Legal basis: Article 24 of the "Housing Provident Fund Management Regulations" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling a self-occupied house; (2)

) Retirement or retirement; (3) Completely losing the ability to work and terminating the labor relationship with the employer; (4) Leaving the country to settle; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income

.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.