广州公积金：提取、贷款与账户查询

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

千年商都、大湾区核心引擎，食在广州与岭南文化名城。。公积金是职工最有价值的一笔账户资金，住房公积金缴存、提取、贷款与转移接续能不能提、能提多少、几天到账，三个问题都有明确规则。广州 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。

Year 、 ， Guangzhou 。。Housing Provident Fund ， Housing Provident Fund 、 、 、 、 ， 。Guangzhou Housing Provident Fund Housing Provident Fund Center ， 、 、 。

一、先说结论：住房公积金缴存、提取、贷款与转移接续怎么办

I. Key Takeaways: Contributions, Withdrawals, Loans, and Transfers

广州住房公积金业务覆盖缴存（单位缴存+灵活就业人员自愿缴存）、提取（购房、租房、还贷、离职销户等场景）、贷款（购房公积金贷款与组合贷）与异地转移接续。广州住房公积金管理中心官网提供网厅办理与额度试算，热线 12329 已与 12345 双号并行归并。

Guangzhou Housing Provident Fund covers contributions (employer payments + voluntary payments by flexible workers), withdrawals (home purchase, rent, loan repayment, resignation account closure, etc.), loans (provident-fund home loans and combined loans), and cross-city transfers. The Guangzhou Housing Provident Fund Management Center website offers online services and loan-capacity calculations. The hotline 12329 has been merged into the unified 12345 service line.

二、谁来办，电话怎么打

2. Who Handles It, How to Call

提取条件、贷款额度与缴存口径以广州住房公积金管理中心当期政策为准；政策咨询拨 12329 或 12345（公积金条线）；单位汇缴问题先问单位经办，个人缴存与提取直接约网厅或窗口。

Withdrawal conditions, loan limits, and contribution standards are subject to the current policies of the Guangzhou Housing Provident Fund Management Center; for policy inquiries call 12329 or 12345 (provident-fund line); employer remittance issues should first be directed to your company's handler, while individual contributions and withdrawals can be booked via the online hall or in person.

三、去哪个窗口办，几点开门

3. Which counter to use and what are the opening hours

中心本部位于白云区振兴路 137 号，各区县管理部与经办网点受理属地业务；市级综合咨询兜底窗口在广州市政务服务中心（珠江新城华利路 95 号，020-38920123）；提取与贷款类业务优先网厅预约办理。

Main campus at 137 Zhenxing Road, Baiyun District; district/county management offices and handling outlets process local-area business; the municipal comprehensive advisory counter is at Guangzhou Administrative Service Center (95 Huali Road, Zhujiang New Town, Tel: 020-38920123); withdrawal and loan services are prioritized via online appointment.

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.

• 单位缴存职工：与广州用人单位建立劳动关系的在职职工，单位按规定比例与基数按月汇缴
• 灵活就业缴存人：符合条件的灵活就业人员可自愿参加公积金制度，享缴存与贷款同权口径
• 提取申请人：购房、租房、偿还住房贷款、离职销户等情形符合提取条件的缴存职工
• 贷款申请人：连续足额缴存达规定期限、账户状态正常的购房缴存职工（含符合口径的异地缴存职工）
• Employed contributors: Current employees with an employment relationship with an employer in Guangzhou, whose employer makes monthly contributions at the prescribed proportion and base
• Flexible employment contributors: Eligible flexible workers may voluntarily participate in the housing provident fund system, entitled to the same deposit and loan eligibility criteria
• Withdrawal applicants: Contributors who meet the withdrawal conditions for purchasing a home, renting a home, repaying a housing loan, or closing their account upon resignation
• Loan applicants: Home-purchasing contributors who have made continuous full contributions for the required period and have a normal account status (including out-of-town contributors meeting the eligibility criteria)

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.

• 本人身份证与公积金联名卡或I类银行卡
• 租房提取：无房承诺书、婚姻状况口径证明（按口径提供）
• 购房提取：网签购房合同或不动产权证、付款票据
• 贷款申请：购房合同、首付款凭证、收入与征信材料（组合贷另按银行口径）
• 异地转入：原缴存地缴存证明与账户信息
• My own ID card and a housing provident fund co-branded card or a Class I bank card
• Rental withdrawal: A commitment letter confirming no property ownership, proof of marital status (provided per the applicable criteria)
• Home purchase withdrawal: Online-signed purchase contract or real estate ownership certificate, payment receipts
• Loan application: Purchase contract, down payment voucher, income and credit report materials (combined loans additionally follow bank-specific criteria)
• Out-of-city transfer: contribution certificate and account information from the original contribution location

六、办理流程

VI. Processing Procedure

1. 第一步：注册登录广州公积金网厅，完成实名认证，核对本息余额与缴存明细
2. 第二步：按场景选业务——租房/购房提取在线提交，系统直审的秒级到账，需复核的按提示补材料
3. 第三步：贷款需求的先做额度试算，再约管理部面签，同步向银行提交组合贷申请
4. 第四步：异地缴存转入的，经全国住房公积金小程序或网厅发起转移申请，联办办结
5. 第五步：缴存人变更单位时，督促新单位及时启缴并办理账户转移，避免断缴影响贷款资格
6. Step 1: Register and log into the Guangzhou Housing Provident Fund online portal, complete real-name authentication, and verify your balance and contribution history
7. Step 2: Select your transaction by scenario — apply online for rent or home purchase withdrawals; cases approved directly by the system are credited in seconds, while those requiring review will prompt you to submit additional documents
8. Step 3: For loan needs, first run an eligibility calculation, then schedule an in-person signing at the management office and simultaneously submit a combined loan application to your bank
9. Step 4: For out-of-city contribution transfers, initiate the transfer application via the National Housing Provident Fund mini-program or online portal and the joint processing will complete
10. Step 5: When changing employers, urge the new employer to activate contributions promptly and process the account transfer to avoid contribution gaps that could affect loan eligibility

租房提取是被忽视的普惠项：在广州无房且实际租房的缴存职工，可按当期口径定期提取公积金支付房租，材料仅需无房承诺与婚姻口径证明，网厅提交到账快——比放着不动强得多。

Rent withdrawal is an overlooked universal benefit: contributing employees without property in Guangzhou who are actually renting can periodically withdraw their housing provident fund to cover rent under current guidelines — the materials required are only a no-property commitment and a marriage-status certificate, and online submissions are credited quickly. Far better than leaving it idle.

七、多久办完、要花多少钱

7. Processing time and cost

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 广州 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 a local service window nearby. Below are the addresses and phone numbers for various windows across Guangzhou; we recommend calling ahead to confirm whether the window handles your specific matter.

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，广州 同样适用。

If you're unsure which department handles it, or can't get through to the window phone, call the hotline below directly. The following hotlines are national or Beijing unified numbers, also applicable to Guangzhou.

十、常见问题

X. Frequently Asked Questions