昌平公积金：提取、贷款与账户查询

Changping Housing Provident Fund: Withdrawals, Loans, and Account Inquiries

北部科教新城 · 明十三陵与居庸关长城所在地 · 昌平线贯穿南北。公积金是职工最有价值的一笔账户资金，住房公积金提取、贷款与账户查询能不能提、能提多少、几天到账，三个问题都有明确规则。昌平 的公积金业务由北京住房公积金管理中心昌平管理部承办，下面是电话、窗口、材料和时限。

Beibu Science and Technology New City · Site of the Ming Tombs and Junyongguan Great Wall · Changping Line runs north–south. Housing provident fund is the most valuable account fund for employees. Whether you can withdraw housing provident fund, apply for a loan, or query the account, and how much you can withdraw and when the funds arrive are all governed by clear rules. Changping's housing provident fund services are handled by the Changping Management Department of the Beijing Housing Provident Fund Management Center. Below are the phone numbers, service windows, required documents, and processing time limits.

一、先说结论：住房公积金提取、贷款与账户查询怎么办

I. Bottom Line: How to Handle Housing Provident Fund Withdrawals, Loans, and Account Inquiries

一句话结论：{cn} 的公积金业务由北京住房公积金管理中心昌平管理部承办，窗口设在区政务服务中心 5 层。账户与余额查询、缴存明细打印这类不用跑窗口，手机端或热线就能办；租房提取、贷款提取、公积金贷款必须本人到窗口，并且都要求先在官方渠道做账户与缴存状态的预检。

Bottom line: Housing provident fund services for {cn} are handled by the Changping Management Department of the Beijing Housing Provident Fund Management Center, with the service window on the 5th floor of the District Government Service Center. Account balance inquiries and payment-history prints don't require a visit — they can be done via the mobile app or hotline. Rental withdrawals, loan withdrawals, and housing provident fund loans must be done in person, and all require a prior eligibility check through official channels.

公积金业务最容易踩的坑是「先提取再想贷款」。很多人为了凑首付先把公积金提出来，结果买房时因为账户余额和缴存状态不满足贷款条件，反而要重新等月份。正确做法是买房前先做贷款资格预评估，确认能贷多少，再决定提取的顺序和金额。

The most common pitfall is "withdrawing first, then applying for a loan." Many people withdraw their fund to down payment, only to find later that their account balance and contribution history don't qualify them for a loan — forcing them to wait through additional contribution months. The right approach is to get a loan-eligibility pre-assessment before buying, confirm how much you can borrow, and then decide on the withdrawal order and amount.

第二个坑是「材料按旧经验准备」。公积金的提取情形和证明材料会随政策调整，租房提取要哪些发票、离职封存要什么证明，都可能变。最可靠的做法是到窗口这一步直接说要办什么，让窗口出具一次性告知单——窗口会给你一份当前有效的清单，比网上任何攻略都准，也比自己猜着少跑一趟。

The second pitfall is "preparing materials based on old experience." Withdrawal categories and required documents change with policy updates — what invoices you need for a rental withdrawal, what proof is required after leaving your job and sealing your account — all of this can shift. The most reliable approach is to go to the service window and tell them exactly what you want to do; they will issue an on-the-spot checklist reflecting the current requirements. It's more accurate than any online guide and saves you from an extra trip.

二、谁来办，电话怎么打

II. Who Handles It and How to Call

公积金的政策口径全国统一、北京市统一执行，所以不必纠结「是不是按昌平的标准」——{cn} 与其他区执行的是同一套规则，差别只在窗口和排期。表中标「官方」的号码来自北京住房公积金中心官网公示，可直接拨打；公积金业务咨询电话全国统一为 12329，人工服务时间比窗口长。

Housing fund policies are set uniformly at the national level and implemented uniformly in Beijing, so there is no need to worry about whether 「the Changping standard」 applies — {cn} follows the same rules as other districts; the only differences are the service windows and appointment schedules. Phone numbers marked 「official」 in the table are published on the website of the Beijing Housing Provident Fund Management Center and can be dialed directly. The nationwide housing fund inquiry hotline is 12329, and its human-service hours are longer than those of the service windows.

三、去哪个窗口办，几点开门

3. Which window to go to and when it opens

管理部驻在区政务服务中心 5 层，和社保、医保窗口在同一栋楼里，一次出门能办多件事。窗口时间是周一至周五 9:00-12:00、13:30-17:00；延时服务与周六上午属于需预约的时段，直接过去会被告知改约。

The Management Office is on the 5th floor of the District Government Service Center, in the same building as the social security and medical insurance windows—one trip handles multiple matters. Counter hours are Monday to Friday 9:00–12:00 and 13:30–17:00; extended service and Saturday mornings require appointments, and walk-ins will be redirected.

四、谁能办（受理条件）

4. Who Can Apply (Eligibility Requirements)

先对照下面几条确认自己符合，再去窗口，能省掉一次白跑。条件以官方办事指南原文为准。

Check the following conditions first to confirm eligibility before heading to the window, saving an unnecessary trip. Conditions are subject to the official guide text.

• 在 {cn} 有正常缴存记录并已开立住房公积金账户的职工，可以申请提取或贷款。
• 租房提取一般要求本人及配偶在本市无自有住房，或虽有一套但建筑面积不超过规定标准；具体面积与套数口径以北京市统一规定为准。
• 离职后账户封存并已满规定期限的，可按封存相关规定办理提取；封存未满期限的需满足其他提取情形。
• 公积金贷款一般要求连续足额缴存达到规定月数（通常为 6 个月及以上）、账户处于正常状态、且申请时仍在缴存。具体月数以北京市中心公布口径为准。
• 公积金贷款一般限本人名下房产，且房屋性质、房龄、房屋面积有对应要求；组合贷与纯公积金贷的材料和流程不完全相同。
• 同一时段不能重复申请：已有在途的提取或贷款申请的，需先办结或撤销后再提交，否则系统会拦截。
• 提取与贷款均不支持委托他人代办；符合线上办理条件的（如本人租房提取、部分贷款初审）可全程线上完成。
• Employees with normal contribution records at {cn} who have opened a housing provident fund account may apply for withdrawal or a loan.
• Rental withdrawals generally require that you and your spouse own no residential property in the city, or if you own one, its floor area does not exceed the prescribed standard; specific area and unit-count criteria are subject to Beijing’s unified regulations.
• If your account has been sealed after leaving your job and the prescribed period has elapsed, you may apply for withdrawal under the sealing regulations. If the sealed period is incomplete, other withdrawal conditions apply.
• Housing provident fund loans generally require continuous full contributions for a prescribed number of months (typically 6 or more), an account in normal status, and active contributions at the time of application. The exact number of months is subject to Beijing Municipal Center publications.
• Housing provident fund loans are generally limited to properties registered under the applicant’s name, and property type, age, and floor area must meet corresponding requirements; the materials and procedures for combined loans and pure provident fund loans are not identical.
• Duplicate applications at the same time are not allowed: if you already have a pending withdrawal or loan application, you must complete or cancel it first before submitting another, otherwise the system will block the submission.
• Neither withdrawals nor loans support proxy applications; applications that meet the online processing criteria (e.g., your own rental withdrawal, preliminary loan review) can be completed entirely online.

五、带什么材料

V. What Materials to Bring

材料一次带齐是办事效率的关键。下面按「原件 / 复印件 / 需现场填写」分开列，缺一项就可能被退回补正。

Bringing all required materials at once is key to processing efficiency. Below they are listed separately by 「original / copy / to be filled out on site」— missing any item may result in a return for supplementary documents.

• 本人有效身份证件原件（窗口核验后归还），非本市户籍的还需提供居住证明或相关居住材料。
• 本人的银行储蓄卡（用于把提取资金打款到本人账户），必须是本人名下卡，不支持他人卡。
• 租房提取需提供本人及配偶在本市无自有住房的承诺或相关证明、租赁合同与租赁发票等材料，具体按当次办事指南准备。
• 离职封存后提取，需提供离职证明或劳动关系终止证明，以及社保关系已转移或未在本市继续缴存的说明材料。
• 公积金贷款需提供购房合同或认购书、首付款发票、房屋权属证明（如已办理）、收入证明与征信相关材料。
• 组合贷款（如同时使用公积金贷款与商业贷款）需额外提供银行要求的资料，以贷款受理银行的清单为准。
• 所有复印件建议准备两份，一份窗口留存、一份自留备查。
• 线上办理的事项无需纸质材料，但仍需完成实名认证与本人人脸识别或短信验证。
• Original valid ID of the applicant (verified and returned at the counter); applicants without local household registration must also provide proof of residence or related residential materials.
• The applicant's own bank savings card (used to receive withdrawal funds into the applicant's account)—cards under another person's name are not accepted.
• Rental withdrawals require a commitment or relevant certificate confirming that neither the applicant nor their spouse owns housing in this city, along with the lease agreement, rental invoice, and other materials. Prepare according to the specific guidance for each application.
• For withdrawals after account sealing due to leaving a job, applicants must provide a resignation certificate or proof of termination of labor relations, as well as a statement indicating whether social insurance has been transferred or is not being continued in this city.
• A housing provident fund loan requires the property purchase contract or subscription agreement, down payment invoice, and property ownership certificate (if already processed), as well as income proof and credit-related materials.
• A combined loan (using both provident fund and commercial loans) requires additional documents as specified by the bank; refer to the receiving bank's checklist.
• It is recommended to prepare two copies of all photocopied materials: one for the window to retain and one to keep for your own records.
• Online applications do not require paper materials, but identity verification and facial recognition or SMS verification must still be completed.

公积金业务最容易踩的坑是「先提取再想贷款」。很多人为了凑首付先把公积金提出来，结果买房时因为账户余额和缴存状态不满足贷款条件，反而要重新等月份。正确做法是买房前先做贷款资格预评估，确认能贷多少，再决定提取的顺序和金额。

The most common pitfall is "withdrawing first, then applying for a loan." Many people withdraw their fund to down payment, only to find later that their account balance and contribution history don't qualify them for a loan — forcing them to wait through additional contribution months. The right approach is to get a loan-eligibility pre-assessment before buying, confirm how much you can borrow, and then decide on the withdrawal order and amount.

第二个坑是「材料按旧经验准备」。公积金的提取情形和证明材料会随政策调整，租房提取要哪些发票、离职封存要什么证明，都可能变。最可靠的做法是到窗口这一步直接说要办什么，让窗口出具一次性告知单——窗口会给你一份当前有效的清单，比网上任何攻略都准，也比自己猜着少跑一趟。

The second pitfall is "preparing materials based on old experience." Withdrawal categories and required documents change with policy updates — what invoices you need for a rental withdrawal, what proof is required after leaving your job and sealing your account — all of this can shift. The most reliable approach is to go to the service window and tell them exactly what you want to do; they will issue an on-the-spot checklist reflecting the current requirements. It's more accurate than any online guide and saves you from an extra trip.

六、办理流程

VI. Processing Procedure

1. 第一步（先查账户状态）：在官方 App 或热线渠道查账户状态、缴存明细与是否存在在途申请。账户非正常缴存状态会直接影响提取与贷款。
2. 第二步（判断走线上还是窗口）：账户与余额查询、缴存明细打印、部分条件成熟的租房提取可全程线上；贷款与多数提取必须本人到窗口。
3. 第三步（查当次办事指南）：提取与贷款的条件和材料会按政策调整，务必按当次办事指南准备，不要照搬旧经验。窗口会出具一次性告知单，口径以此为准。
4. 第四步（预约窗口）：需要到场的先在官方渠道预约时间，避开上午刚上班和下午临近下班两个高峰。
5. 第五步（到窗口受理）：携带身份证件、银行卡和全部材料到 5 层窗口取号受理，窗口核验原件、留存复印件并出具受理凭证。
6. 第六步（等待审核与放款）：贷款涉及抵押登记等跨机构环节，周期明显长于提取；提取在资料齐全后进入审核与打款环节。
7. 第七步（查进度与到账）：进度可在官方渠道自助查询；资金到账以银行入账时间为准，与窗口办结时间不是同一时点。
8. Step 1 (Check Account Status First): Use the official app or hotline to check account status, contribution details, and whether there are any pending applications. An abnormal contribution status will directly affect withdrawal and loan eligibility.
9. Step 2 (Decide Between Online or In-Person): Account and balance inquiries, contribution detail printing, and some qualifying rental withdrawals can be handled entirely online; loans and most withdrawals require personal attendance at the window.
10. Step 3 (Review the Current Guide): Eligibility conditions and required materials for withdrawals and loans are subject to policy adjustments. Always prepare according to the current guide and do not rely on past experience. The window will issue a one-time instruction sheet, which is the authoritative reference.
11. Step 4 (Appointment Window): For steps that require an in-person visit, book your time slot through official channels in advance, avoiding the two peak periods of early morning just after opening and late afternoon near closing.
12. Step 5 (Counter Submission): Bring your ID, bank card, and all supporting documents to the counter on the 5th floor to collect a queue number. Staff will verify originals, retain copies, and issue an acceptance receipt.
13. Step 6 (Wait for Review and Disbursement): Loans involve cross-agency procedures such as mortgage registration, so the cycle is noticeably longer than for withdrawals. Withdrawals enter the review and disbursement phase once all required documents are in order.
14. Step 7 (Track Progress and Funds Arrival): You can check progress yourself through official channels. The actual arrival time of funds is subject to the bank's posting time and does not necessarily coincide with the counter's completion time.

去之前做一次线上预检，能省掉整趟白跑。公积金提取和贷款都会先看你的账户状态：是否正常缴存、有没有欠缴情形、是否已存在在途的提取或贷款申请。官方 App 里能查缴存明细和账户状态，先看清楚再去窗口，材料一次性通过率高很多。

Do an online pre-check before heading out—it can save you an entire wasted trip. For both housing fund withdrawals and loans, your account status is checked first: whether contributions are being made normally, whether there are any arrears, and whether there is already a pending withdrawal or loan application. The official app allows you to view contribution details and account status. Check everything in advance before visiting the counter, and your chance of having all materials accepted in one go goes up significantly.

七、多久办完、要花多少钱

VII. How Long Does It Take and How Much Does It Cost

八、属地窗口

8. Local Service Windows

多数事项可以就近在属地窗口办。下面是 昌平 各窗口的地址与电话，出发前建议先电话确认该窗口是否办理本事项。

Most matters can be handled at nearby local service windows. Below are the addresses and phone numbers of each window in Changping. It is recommended to call ahead to confirm whether the window handles this matter before visiting.

九、常用政务热线

9. Common Government Service Hotlines

不确定归哪个部门、或者窗口电话打不通，直接打下面的热线。以下热线均为全国或北京市统一号码，昌平 同样适用。

If you are unsure which department handles this, or cannot reach the window by phone, call the hotline below directly. The following hotlines are all nationwide or Beijing unified numbers and also apply to Changping.

十、常见问题

10. Frequently Asked Questions