成都公积金：租房提取、购房贷款与线上办理指南
Chengdu Housing Provident Fund: Rental Withdrawal, Home Purchase Loan, and Online Application Guide
公积金是成都职工最有价值的长期储备资产：无房租赁提取每月额度是多少、买房公积金最高能贷多少（单缴存人与双缴存人上限）、怎么通过“天府市民云”APP或“成都公积金”官方小程序一键秒到账。下面把政策口径与实操步骤一次写清。
The housing provident fund is the most valuable long-term savings asset for Chengdu employees: What is the monthly withdrawal limit for those without a home? How much can one borrow (single vs. dual contributor caps)? How to use the Tianfu Citizen Cloud app or Chengdu Provident Fund official mini-program for instant deposits. Below, policy rules and practical steps are explained in full.
分类：办Category: Services
⚠ 电话与办公时间核验日期见页尾「数据来源」。机关电话与窗口安排可能调整，出发前建议先电话确认。⚠ Check the「Data Source」section at the end of the page for the date of telephone and office-hours verification. Agency phone numbers and counter schedules may change — please confirm by phone before visiting.
最后更新：2026-09-26Last updated: 2026-09-26
🟢 官方口径：以政府/官方公告为准，变更以官方最新为准。 🟡 实测行情：2026-09 实地与平台行情，市场随季节波动。 ⚪ 口碑参考：用户口碑/评价整理，仅供参考。 核验日期：2026-09-26。
🟢 Official: follows the latest government notice. 🟡 Field data: 2026-09 on-site and platform quotes, subject to seasonal change. ⚪ Community: reviews, for reference only. Verified: 2026-09-26.
承办机构、办理地点、办公时间、材料清单、办理时限与收费标准，以 成都 政务服务机构及各主管部门官方公示的办事指南为准；本文只做汇总与对照，具体口径请以官方最新公布为准。
Hosting agency, processing location, office hours, document checklist, processing time limit, and fee standards are all subject to the official guidance published by government service centers and relevant departments in Chengdu. This article provides a consolidated reference only; please verify specific details against the latest official announcements.
一、先说结论：住房公积金租房提取、还贷提取与离职封存提取怎么办
I. Key Takeaways: How to Withdraw Your Housing Provident Fund for Rent, Mortgage Repayment, or Post-Employment Closure
成都市住房公积金提取全面实现「零材料、零跑腿、秒级到账」。职工在成都市连续缴存满 3 个月且在行政区域内无自有住房的，可每月在手机端申请【无房租赁提取】，租金直接打入职工本人银行一类借记卡；偿还房贷可办理【按月冲还贷】；离职与单位终止劳动关系且账户封存满半年的，在「天府市民云」APP 或「蓉易办」微信端点击申请资金秒速到账。
Chengdu's housing provident fund withdrawal is now fully paperless, with no need to visit a service window—funds arrive in seconds. Employees who have contributed to the fund in Chengdu for three consecutive months and own no residential property within the city's administrative area can apply monthly via the mobile app for 【rent-withdrawal for non-homeowners】, with rent paid directly into their primary bank debit card; those repaying a mortgage can apply for 【monthly automatic mortgage deduction】; employees whose employment has ended and whose account has been sealed for at least six months can request immediate transfer through the 【Tianfu Citizen Cloud】 app or the 【Rong Yi Ban】 WeChat mini-program.
二、谁来办，电话怎么打
2. Who Handles It, How to Call
成都 承办机构与咨询电话Chengdu - Handling Agency and Hotline| 承办机构 | Department | 咨询电话 | Phone | 出处等级 | Source tier | | 成都市住房公积金管理中心 | Chengdu Housing Provident Fund Management Center | 028-86279188 | 028-86279188 | 市级 | Municipal level |
住房公积金缴存、提取与贷款由成都市住房公积金管理中心主管。表中咨询电话经官方核实，市中心城南服务厅咨询电话为 028-86279188，住房公积金全国统一热线为 12329，人工接听工作日 09:00-17:00。
Housing provident fund contributions, withdrawals, and loans are administered by the Chengdu Housing Provident Fund Management Center. The consultation numbers below have been officially verified: the City Center Nancheng Service Hall can be reached at 028-86279188, and the national housing provident fund hotline is 12329. Manual operator hours are 09:00–17:00 on working days.
三、去哪个窗口办，几点开门
3. Which counter to use and what are the opening hours
成都 办事地点与办公时间Chengdu - Handling Location and Office Hours| 办理地点 | Office | 地址 | Address | 办公时间与预约 | Hours and booking | | 成都市政务服务中心 | Chengdu Municipal Government Service Center | 青羊区草市街 2 号 | 2 Caoshi Street, Qingyang District | 工作日 09:00-12:00, 13:00-17:00（提供周六延时服务） | Workdays 09:00-12:00, 13:00-17:00 (Saturday extended hours available) |
| 成都高新区政务服务中心 | Chengdu High-tech Zone Government Service Center | 武侯区益州大道中段 999 号 | No. 999 Middle Section of Yizhou Avenue, Wuhou District | 工作日 09:00-12:00, 13:00-17:00（天府软件园旁，提供企业一站式代办） | Workdays 09:00-12:00, 13:00-17:00 (next to Tianfu Software Park, offers one-stop corporate agency services) |
| 四川天府新区政务服务中心 | Sichuan Tianfu New Area Government Service Center | 天府大道南段 1632 号天府菁蓉大厦 | Tianfu Jingrong Building, No. 1632 Tianfu Avenue South Section | 工作日 09:00-12:00, 13:00-17:00（支持兴隆湖科学城企业与人才窗口综合受理） | Workdays 09:00-12:00, 13:00-17:00 (supports integrated acceptance at the Xinglong Lake Science City enterprise and talent window) |
| 武侯区政务服务中心 | Wuhou District Government Service Center | 武侯区武科西五路 360 号 | No. 360, Wuke West 5th Road, Wuhou District | 工作日 09:00-12:00, 13:00-17:00（设社会事务、不动产与公安综合窗口） | Working days 09:00–12:00, 13:00–17:00 (comprehensive windows for social affairs, real estate, and public security) |
成都市住房公积金城南服务厅（高新区益州大道中段 999 号）及草市街市政务大厅均设有公积金综合柜面；全市 99% 的日常提取业务已实现线上自动化秒批，无需前往线下柜台。
The Chengdu Housing Provident Fund Nancheng Service Hall (No. 999, Middle Section of Yizhou Avenue, High-tech Zone) and the Caoshijie Municipal Government Service Hall both feature comprehensive provident fund counters. Ninety-nine percent of routine withdrawals citywide are approved automatically online, eliminating the need to visit a branch in person.
四、谁能办（受理条件）
IV. Who Can Apply (Acceptance Conditions)
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 conditions below first to confirm you qualify before heading to the counter — this saves a wasted trip. Eligibility criteria are subject to the official service guide.
- 无房租房提取：职工在成都市连续足额缴存公积金满 3 个月，职工及配偶在成都市行政区域内无自有住房且租房自住。
- 偿还自住住房贷款本息提取：职工及配偶偿还成都市或异地拥有所有权的自住住房贷款。
- 非本市户籍离职提取：非本市户籍职工与单位解除劳动关系，个人公积金账户封存满 6 个月以上且未在异地继续缴存。
- Non-homeowner rental withdrawal: Available to employees who have made continuous, full provident fund contributions in Chengdu for at least 3 consecutive months, provided neither the employee nor their spouse owns any residential property within Chengdu and the rental is for personal occupation.
- Owner-occupied mortgage repayment withdrawal: Available when the employee and their spouse are repaying a mortgage on an owner-occupied residential property, whether in Chengdu or in another city.
- Non-local employee departure withdrawal: For non-Chengdu-hukou employees who have terminated their employment relationship, whose provident fund account has been sealed for at least 6 months, and who are not continuing contributions elsewhere.
五、带什么材料
V. What Documents 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 documents at once is key to efficient processing. They are listed below by category — original / photocopy / to be filled out on-site — and missing even one item may result in your application being returned for correction.
- 线上免纸质材料：通过天府市民云或蓉易办刷脸认证即可系统自动调取房产与社保数据，零纸质材料申报。
- 线下窗口办理的提供职工二代居民身份证原件及一类银行储蓄卡。
- 偿还商贷首次申请的提供购房合同、借款借条及近三个月还款明细流水。
- Paperless online application: Authenticate via facial recognition on Tianfu Citizen Cloud (Tianfu Shimin Yun) or Rongyiban (Rong Yi Ban); the system will automatically retrieve property and social security records, so no paper documents are required.
- For in-person counter processing, bring your original second-generation resident ID card and a Tier I bank debit card.
- For a first-time commercial loan repayment application, bring the house purchase contract, loan receipt, and bank statements showing repayment details for the most recent three months.
六、办理流程
VI. Processing Procedure
- 第一步（平台登录）：微信搜索并登录“成都公积金”小程序，或打开“天府市民云”APP 点击【公积金服务】。
- 第二步（选择提取业务）：人脸识别认证后，根据实际需要选择【无房租房提取】或【离职封存提取】。
- 第三步（确认金额与卡号）：系统自动比对房管局无房证明，展示本期可提取最大额度，输入收款银行卡卡号。
- 第四步（秒级极速到账）：点击确认提交，后台智能风控模型秒级审批通过，公积金管理中心通过大额央行支付系统将资金直接划拨到账。
- Step 1 (Platform Login): Search and log into the "Chengdu Housing Provident Fund" mini program on WeChat, or open the "Tianfu Citizen Cloud" APP and click [Provident Fund Service].
- Step 2 (Select Withdrawal Business): After facial recognition authentication, select either [Withdrawal for Tenants without Property] or [Withdrawal upon Resignation and Account Sealing] based on your actual needs.
- Step 3 (Confirm Amount and Card Number): The system automatically verifies the housing management bureau's certificate of no property ownership, displays the maximum withdrawable amount for this period, and prompts you to enter the receiving bank card number.
- Step 4 (Instant Rapid Payment): Click to confirm and submit; the backend intelligent risk control model approves it in seconds, and the Housing Provident Fund Management Center directly transfers the funds to your account via the large-amount PBOC payment system.
提取公积金收款卡必须为「本人名下一类银行借记卡」！二类银行卡存在单日入账额度上限，可能导致大额公积金划转失败被退回；绑定时请务必核实银行卡状态正常且开户姓名与公积金姓名严格一致！
The bank card for withdrawing housing provident fund must be a 'Class I debit card under your own name'! Class II bank cards have a daily incoming limit, which may cause large transfers to fail and be returned; when binding, please ensure the card status is normal and the account holder's name strictly matches the name on the provident fund account!
七、多久办完、要花多少钱
7. Processing time and cost
成都 办理时限、费用与依据Chengdu — Processing Time Limits, Fees, and Legal Basis| 项目 | Item | 说明 | Detail | | 无房租房提取限额 | Limit on Withdrawal for Tenants without Property | 符合条件职工可按月或按季提取，每人每月限额标准依官方当年租金水平核定 | Eligible employees may withdraw monthly or quarterly, with the monthly limit per person determined according to the official annual rental standard. |
| 离职封存提取时限 | Time limit on Withdrawal upon Resignation and Account Sealing | 账户封存满 6 个月以上且未在异地开立新账户 | Account has been sealed for 6 months or more and no new account has been opened in another location |
| 手续费及到账时效 | Handling fees and processing time | 提取【免收任何手续费】，全流程线上自动化秒级到账 | Withdrawals [free of any handling fees], fully online automated with second-level processing |
八、属地窗口
VIII. Local-Service Windows
多数事项可以就近在属地窗口办。下面是 成都 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 your local service window. Below are the addresses and phone numbers for windows across Chengdu; we recommend calling ahead before heading out to confirm whether that specific window handles your matter.
成都 属地窗口Chengdu — Local Service Window| 窗口 | Office | 电话 | Phone | 地址 | Address | 出处等级 | Source tier | | 成都市住房公积金城南服务厅 | Chengdu Housing Provident Fund Chengnan Service Hall | 028-86279188 | 028-86279188 | 高新区益州大道中段 999 号 | No. 999, Middle Section of Yizhou Avenue, High-Tech Zone | 市级 | Municipal level |
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。以下热线均为全国统一号码，成都 同样适用。
If you're unsure which department is responsible or can't get through to the window by phone, call one of the hotlines below. All of the following are national toll-free numbers and are also valid in Chengdu.
成都 常用政务热线Chengdu Common Government Hotlines| 热线 | Hotline | 用途 | What it handles | 服务时间 | Hours | 出处等级 | Source tier | | 12345 | 12345 | 政务服务便民热线（政务咨询、城市运行与民生诉求 24 小时统筹受理） | Government Services Convenience Hotline (24-hour integrated handling of government consultations, urban operations, and public livelihood requests) | 7×24小时 | 7×24 hours | city | city |
| 12333 | 12333 | 人力资源和社会保障热线（社保参保缴费、养老待遇、劳动关系仲裁） | Human Resources and Social Security Hotline (Social Insurance Enrollment and Payment, Pension Benefits, Labor Dispute Arbitration) | 7×24小时（人工服务工作日 09:00-17:00） | 7×24 hours (Human service on working days 09:00–17:00) | national | national |
| 12329 | 12329 | 住房公积金热线（成都公积金租房提取、贷款额度测算与账户查询） | Housing Provident Fund Hotline (Chengdu Gongjijin Rental Withdrawal, Loan Amount Estimation and Account Inquiry) | 人工工作日 09:00-17:00；自助 7×24小时 | Human service on working days 09:00–17:00; Self-service 7×24 hours | national | national |
| 12393 | 12393 | 医疗保障服务热线（医保报销比例、异地就医直接结算、职工医保转接） | Medical Insurance Service Hotline (Medical Insurance Reimbursement Ratio, Out-of-region Medical Treatment Direct Settlement, Employee Medical Insurance Transfer) | 人工工作日 09:00-17:00 | Human service on working days 09:00–17:00 | national | national |
| 12123 | 12123 | 公安交管便民热线（车辆违章记分查询、外牌尾号限行申诉、驾照换证） | Public Security Traffic Management Convenience Hotline (Vehicle Violation Points Inquiry, Out-of-tow Plate Restricted Driving Appeal, Driver's License Renewal) | 人工工作日 09:00-17:00 | Human service on working days 09:00–17:00 | national | national |
| 12315 | 12315 | 消费者投诉举报热线（餐饮文旅宰客消费争议、假冒伪劣举报） | Consumer complaint and reporting hotline (food and tourism overcharging disputes, counterfeit goods reporting) | 工作日 09:00-17:00 | Weekdays 09:00–17:00 | national | national |
| 12301 | 12301 | 全国旅游服务热线（景区违规运营、导游欺诈纠纷调解） | National Tourism Service Hotline (scenic area operation violations, tour guide fraud mediation) | 工作日 09:00-17:00 | Weekdays 09:00–17:00 | national | national |
十、常见问题
X. Frequently Asked Questions
成都 常见问题Chengdu FAQs| 问题 | Question | 回答 | Answer | | 在成都租房，公积金一个月能提多少钱出来？ | If renting in Chengdu, how much housing fund can you withdraw per month? | 成都市大力支持新市民青年人租房消费！成都市无房职工按规定每月可直接申请提取公积金，只要账户里有余额且在成都无房，系统按月自动将房租补贴直接打到你的银行卡上，极大缓解年轻人房租现金流压力。 | Chengdu strongly supports new residents and young people in their rental housing! Eligible Chengdu housing fund account holders who do not own property in the city can apply for monthly automatic withdrawals, with the system directly depositing the rent subsidy into your bank account each month, greatly easing cash flow pressure for young renters. |
| 离开成都去其他城市工作，原来成都公积金账户怎么处理？ | What happens to my Chengdu housing fund account if I leave for another city to work? | 两套方案：① 若新工作地已开立新公积金账户并正常缴费满半年，可在新城市公积金中心申请“全国异地转移接续”，成都的公积金余额全额自动合并转移至新城市；② 若为外地户籍且不打算继续缴存，成都账户封存满 6 个月后直接在手机端点击【离职提取】，全部余额连本带息一次性提现打入银行卡！ | Two options: ① If your new employer has opened a housing fund account and you have contributed for at least six months, you can apply through the new city's housing fund center for the 'National Cross-Region Transfer,' and your Chengdu balance will be automatically and fully transferred to your new city; ② If you are a non-Chengdu resident and do not plan to continue contributing, after your Chengdu account has been sealed for 6 months, you can click [Resignation Withdrawal] on the mobile app to withdraw your entire balance (principal plus interest) in one lump sum to your bank card! |