上海公积金：提取、贷款与账户查询

Shanghai Housing Fund: Withdrawal, Loans, and Account Inquiry

长三角中心城市，金融科创双核驱动。。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。上海 的公积金业务由上海公积金管理中心各区管理部承办，下面是热线、窗口地址、申请材料和办理时限。

A central city of the Yangtze River Delta, driven by dual engines of finance and sci-tech innovation. The housing provident fund is the most valuable account fund an employee holds. For withdrawals, loans, and account inquiries—whether you can withdraw, how much, and how many days until funds arrive—all three questions are governed by clear rules. Shanghai's provident fund business is handled by the various district management offices of the Shanghai Housing Provident Fund Management Center. Below are the hotline, counter addresses, application materials, and processing timeframes.

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} 的公积金业务由上海市公积金管理中心统筹、各区分部窗口受理，租房提取、贷款与账户查询的条件、材料与到账时限以当次办事指南为准。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 fund services in {cn} are coordinated by the Shanghai Municipal Housing Provident Fund Management Center, with applications handled at branch windows across districts. Conditions, required materials, and processing timelines for rental withdrawals, loans, and account inquiries are subject to the applicable service guidelines. For account and balance inquiries and contribution records printing, you do not need to visit a window—these can be handled via mobile app or hotline. Rental withdrawals, loan withdrawals, and housing fund loans require the applicant in person to appear at a window, and all require a prior account and contribution status check through official channels.

上海作为超大城市，公积金缴存人数和交易量长期位居全国前列，12329 热线常年繁忙，各区窗口排队时间普遍高于普通地级市。建议优先通过“随申办”APP 或“一网通办”线上办理查询类业务，需要到窗口的尽量在工作日上午刚开门时段前往，或提前通过官方渠道预约延时服务。

As a megacity, Shanghai ranks among the top in the country for housing fund contributors and transaction volumes year-round. The 12329 hotline is consistently busy, and queuing times at district windows are generally longer than in ordinary prefecture-level cities. It is recommended to handle inquiry-type services online through the 'Suishenban' app or the 'One Netcom Office' platform. For services that require an in-person visit, go as early as possible on weekday mornings, or book extended-hours service in advance through official channels.

第二个高频踩坑是「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，反而要重新等缴存月份。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。上海公积金政策与全国其他地区不同，例如租房提取有年度限额，具体以官方最新发布为准。

The second common pitfall is 'withdraw first, then think about the loan.' Many people withdraw their housing fund to the down payment, only to find that their account balance and contribution status no longer meet loan eligibility requirements when purchasing, forcing them to restart the contribution waiting period. The correct approach is to obtain a loan qualification pre-assessment before buying a home, confirm how much you can borrow, and then decide the sequence and amount of withdrawal. Shanghai's housing fund policies differ from other regions in China—for example, rental withdrawals have an annual cap. Specifics are subject to the latest official publications.

上海各区管理部网点多分布在区政务服务中心内，没有独立大门脸，前往之前务必通过“一网通办”或拨打 12329 确认当日窗口开放情况及是否需要预约，避免空跑。

Housing fund management offices across Shanghai's districts are mostly located within district government service centers and do not have independent street-facing offices. Before visiting, check the opening status and appointment requirements for the day through 'One Netcom Office' or by calling 12329 to avoid wasted trips.

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、上海市统一执行，所以不必纠结「是不是按某个区的标准」——{cn} 与所有区执行的是同一套规则，差别只在窗口位置和排期。表中标「官方」的号码来自上海“一网通办”总门户 zwdt.sh.gov.cn 及上海市公积金管理中心 gjj.sh.gov.cn 公示，可直接拨打；公积金业务咨询电话为 12329，人工服务时间（8:00-22:00）比窗口长，优先用热线或线上渠道。

Housing fund policy is nationally uniform and uniformly implemented in Shanghai, so there is no need to worry about 'whether a specific district follows different standards'—{cn} and all other districts operate under the same set of rules, with differences only in window location and scheduling. Phone numbers marked 'official' in the table are sourced from Shanghai's 'One Netcom Office' portal zwdt.sh.gov.cn and the Shanghai Municipal Housing Provident Fund Management Center gjj.sh.gov.cn, and can be called directly. The housing fund inquiry hotline is 12329, with human-service hours (8:00–22:00) extending beyond window hours; prefer the hotline or online channels wherever possible.

三、去哪个窗口办，几点开门

3. Which window to apply at, and opening hours

上海各区公积金管理部网点多设在区政务服务中心内，没有独立大门脸，具体地址、办公时间和预约要求必须通过“一网通办”或“随申办”APP查询确认。12329 热线人工服务时间为 8:00-22:00，窗口办公时间一般为工作日 9:00-12:00、13:30-17:00，周末及节假日不办公。

Housing fund management offices across Shanghai's districts are mostly located within district government service centers and do not have independent street-facing offices. Specific addresses, operating hours, and appointment requirements must be verified through 'One Netcom Office' or the 'Suishenban' app. The 12329 hotline's human-service hours are 8:00–22:00; window hours are generally 9:00–12:00 and 13:30–17:00 on weekdays. Windows are closed on weekends and public holidays.

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 neither the applicant nor their spouse own residential property within the city, or that if one property is owned, its floor area does not exceed the prescribed standard. Specific area and unit-count criteria follow Beijing's unified regulations.
• After resignation, if the account has been sealed and the prescribed period has elapsed, withdrawal may be processed according to seal-related provisions; if the sealed period has not yet elapsed, other qualifying withdrawal conditions must be met.
• 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.
• A provident fund loan generally applies to real estate under the applicant's own name, and the property type, age, and area must meet corresponding requirements; combined loans and pure provident fund loans do not have identical documentation and procedures.
• 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 documents in one visit is the key to efficient processing. Below are listed by 'original / photocopy / to be filled on-site' — missing any item may result in being asked to 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.
• A bank savings card under the applicant's own name (for depositing the withdrawn funds into the applicant's account). Cards under others' names are not accepted.
• For rental withdrawal, you need to provide a commitment or supporting document stating that neither the applicant nor the spouse owns residential property in the city, along with a lease contract and rental invoice. Prepare specific materials according to the guidance for each application.
• For withdrawal after account sealing upon resignation, you need to provide a resignation certificate or proof of termination of the labor relationship, as well as documentation confirming that social security has been transferred or is not being paid in the 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.
• We recommend preparing two copies of all photocopies: one for the counter to retain and one for your own records.
• Online processing does not require paper documents, but identity authentication via facial recognition or SMS verification must still be completed.

上海作为超大城市，公积金缴存人数和交易量长期位居全国前列，12329 热线常年繁忙，各区窗口排队时间普遍高于普通地级市。建议优先通过“随申办”APP 或“一网通办”线上办理查询类业务，需要到窗口的尽量在工作日上午刚开门时段前往，或提前通过官方渠道预约延时服务。

As a megacity, Shanghai ranks among the top in the country for housing fund contributors and transaction volumes year-round. The 12329 hotline is consistently busy, and queuing times at district windows are generally longer than in ordinary prefecture-level cities. It is recommended to handle inquiry-type services online through the 'Suishenban' app or the 'One Netcom Office' platform. For services that require an in-person visit, go as early as possible on weekday mornings, or book extended-hours service in advance through official channels.

第二个高频踩坑是「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，反而要重新等缴存月份。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。上海公积金政策与全国其他地区不同，例如租房提取有年度限额，具体以官方最新发布为准。

The second common pitfall is 'withdraw first, then think about the loan.' Many people withdraw their housing fund to the down payment, only to find that their account balance and contribution status no longer meet loan eligibility requirements when purchasing, forcing them to restart the contribution waiting period. The correct approach is to obtain a loan qualification pre-assessment before buying a home, confirm how much you can borrow, and then decide the sequence and amount of withdrawal. Shanghai's housing fund policies differ from other regions in China—for example, rental withdrawals have an annual cap. Specifics are subject to the latest official publications.

上海各区管理部网点多分布在区政务服务中心内，没有独立大门脸，前往之前务必通过“一网通办”或拨打 12329 确认当日窗口开放情况及是否需要预约，避免空跑。

Housing fund management offices across Shanghai's districts are mostly located within district government service centers and do not have independent street-facing offices. Before visiting, check the opening status and appointment requirements for the day through 'One Netcom Office' or by calling 12329 to avoid wasted trips.

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管理部窗口取号受理，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 (Booking a counter appointment): If an in-person visit is required, schedule your appointment through official channels in advance, avoiding the peak hours right after morning opening and just before afternoon closing.
12. Step 5 (Counter submission): Bring your ID, bank card, and all materials to the management office counter to get a queue number. The counter will verify originals, retain photocopies, and issue a receipt of acceptance.
13. Step 6 (Awaiting Review and Fund Disbursement): Loans involve cross-institution processes such as mortgage registration, so the timeline is noticeably longer than for withdrawals; withdrawals enter the review and disbursement stage once all documents are complete.
14. Step 7 (Check Progress and Fund Arrival): Progress can be checked independently through official channels; funds are considered received based on the bank's account entry time, which may differ from the counter processing 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 上海 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 services can be handled at a nearby local service window. Below are the addresses and phone numbers of service windows in Shanghai. It is recommended to call ahead to confirm whether the window handles this service before you go.

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，上海 同样适用。

If you're unsure which department or window to contact, or if the window?S phone line is unreachable, call the hotline below directly. The following hotlines are all national or Beijing municipal unified numbers, also applicable in Shanghai.

十、常见问题

10. Frequently Asked Questions