1, prepare materials. To apply for Shenzhen provident fund card, you need to provide the original and photocopy of your ID card, the original and photocopy of your household registration book, the photocopy of your business license, the official seal of the deposit unit, and the application form for centralized deposit of Shenzhen housing provident fund into your personal account.

2. Go to the provident fund management center or the provident fund service hall. Shenzhen Housing Provident Fund Management Center has several sub-centers and service halls. You can provide the above materials at the nearest service hall or sub-center and fill in the relevant application form.

3. Pay the card fee. You need to pay a certain card fee to apply for Shenzhen provident fund card, and the charging standard depends on local policies. Generally speaking, the provident fund management center will indicate the payment standard on the application form, and you can pay the card fee according to the standard.

4. Waiting for review. The provident fund management center will review the materials provided by you and handle the Shenzhen provident fund card for you after confirming that they are correct.

5. Get a provident fund card. After the approval is successful, you need to go to the provident fund management center or service hall to get the Shenzhen provident fund card. When collecting, you need to provide proof materials such as ID cards for verification.

Provident fund withdrawal filing standard:

1. payment time standard: individuals need to pay continuously or cumulatively within the payment time specified by the local provident fund management center in order to enjoy the right to withdraw housing provident fund. The standard of deposit time may be different in different regions, and individuals are generally required to deposit continuously for at least 6 months;

2. Deposit amount standard: When individuals deposit housing provident fund, they need to pay according to the deposit ratio and amount stipulated by the local provident fund management center. The standard of deposit amount may be different in different regions, and it is generally required that the monthly deposit amount of an individual shall not be lower than the local minimum standard;

3. Extraction criteria: When individuals withdraw housing provident fund, they need to provide extraction certification materials that meet the requirements of the local provident fund management center. The criteria for extracting reasons may be different in different regions, generally including buying a house, renting a house, housing loans, medical assistance, retirement, etc.

4. No violation record standard: when individuals pay housing provident fund, they need to pay it according to the prescribed time and amount, and abide by relevant regulations and procedures. Individuals who have illegally paid and owed provident fund may affect the filing standards for housing provident fund withdrawal.

To sum up, you can't use the provident fund directly for the down payment. You need the buyer to pay the down payment first, and then go to the local housing provident fund management center to withdraw the account balance in person. The total amount of provident fund withdrawn should be lower than the total amount of house purchase. Most cities use the provident fund to buy the first suite, and the down payment ratio cannot be less than 20%.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

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

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.