深圳公积金：提取、贷款与账户查询

Shenzhen Housing Provident Fund: Withdrawal, Loans, and Account Inquiry

大湾区中心城市，科创与金融双核驱动。。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。深圳 的公积金业务由深圳市住房公积金管理中心承办，南山科技园与福田 CBD 上班族大多通过 12329 热线或“i深圳”APP 办理提取与贷款预审，各区设管理部窗口提供线下服务。

A central city in the Greater Bay Area, driven by dual engines of tech innovation and finance... The housing provident fund is one of the most valuable accounts for workers. Whether you can withdraw, how much, and how many days until the funds arrive—these three questions all have clear rules. In Shenzhen, housing provident fund services are handled by the Shenzhen Housing Provident Fund Management Center. Commuters in Nanshan Kejiyuan and Futian CBD mostly use the 12329 hotline or the 'iShenzhen' app for withdrawals and loan pre-approval, while each district's management office provides in-person counter services.

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} 的公积金业务由深圳市住房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，通过广东政务服务网或「i深圳」APP即可办理；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。

One-sentence conclusion: Housing provident fund services for {cn} are coordinated by the Shenzhen Housing Provident Fund Management Center, with application windows in each district's branches. Conditions, required materials, and processing times for rental withdrawals, loans, and account inquiries are subject to the current service guidelines. Balance checks, account and deposit detail queries, and statement printing can be handled without visiting a window, via the Guangdong Government Services Network or the iShenzhen app; rental withdrawals, loan withdrawals, and housing provident fund loans require in-person visits, and all require a prior account and deposit-status check through official channels.

深圳作为粤港澳大湾区中心城市，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。建议优先通过广东政务服务网或「i深圳」APP 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 the central city of the Guangdong-Hong Kong-Macao Greater Bay Area, Shenzhen has consistently ranked among the top cities in the country in both the number of provident fund contributors and transaction volume. The 12329 hotline is busy year-round, and queue times at district windows are generally longer than in ordinary prefecture-level cities. It is recommended to handle query-type services online first via the Guangdong Government Services website or the iShenzhen app. If you must visit a window in person, go as early as possible on weekday mornings, or book extended-service appointments 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。深圳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 apply for a loan.' Many people withdraw their provident fund to before buying a home, only to find that their account balance and contribution status no longer meet the loan requirements, forcing them to wait and rebuild their contribution months. The correct approach is to get a loan eligibility pre-assessment before buying, confirm how much you can borrow, and then decide on the withdrawal sequence and amount. Shenzhen's provident fund policies differ from those in other parts of China; for example, rental withdrawals are subject to an annual limit. Specifics are subject to the latest official announcements.

深圳各区公积金管理部网点多分布在区政务服务中心内，没有独立大门脸，前往之前务必通过广东政务服务网或拨打 12329 确认当日窗口开放情况及是否需要预约，避免空跑。

Provident fund management offices across Shenzhen's districts are mostly located within district government service centers and do not have standalone storefronts. Before visiting, be sure to check the Guangdong Government Services website or call 12329 to confirm daily window availability and whether an appointment is required, 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、{cn} 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」的号码来源为广东政务服务网 www.gdzwfw.gov.cn 及深圳市住房公积金管理中心 szgjj.com 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。

Provident fund policy is uniform at the national level and uniformly implemented across Shenzhen, so there is no need to worry about 'which district's standard applies' — all districts in Shenzhen follow the same set of rules; the only differences lie in window locations and scheduling. Numbers marked 'Official' in the table are sourced from the Guangdong Government Services website www.gdzwfw.gov.cn and the Shenzhen Housing Provident Fund Management Center szgjj.com, and can be called directly. The provident fund business consultation hotline is 12329, with human service hours (8:00-22:00) longer than window hours, so the hotline or online channels should be used first.

三、去哪个窗口办，几点开门

3. Which window to apply at, and opening hours

{cn} 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广东政务服务网或「i深圳」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、14:00-17:45，周末及节假日不办公。

Provident fund management offices across Shenzhen's districts are mostly located within district government service centers and do not have standalone storefronts. Specific addresses, office hours, and appointment requirements must be verified through the Guangdong Government Services website or the iShenzhen app. The 12329 hotline human service hours are 8:00-22:00; window office hours are generally 9:00-12:00 and 14:00-17:45 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深圳市统一规定为准。
• 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。具体月数以深圳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 you nor your spouse own any self-occupied housing in Shenzhen, or if you own one property, its floor area must not exceed the prescribed standard. Specific area and unit-count standards follow Shenzhen'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 and full contributions for a prescribed number of months (typically 6 months or more), an account in normal status, and active contributions at the time of application. The exact month requirement is as published by the Shenzhen Management Center.
• 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.

深圳作为粤港澳大湾区中心城市，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。建议优先通过广东政务服务网或「i深圳」APP 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 the central city of the Guangdong-Hong Kong-Macao Greater Bay Area, Shenzhen has consistently ranked among the top cities in the country in both the number of provident fund contributors and transaction volume. The 12329 hotline is busy year-round, and queue times at district windows are generally longer than in ordinary prefecture-level cities. It is recommended to handle query-type services online first via the Guangdong Government Services website or the iShenzhen app. If you must visit a window in person, go as early as possible on weekday mornings, or book extended-service appointments 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。深圳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 apply for a loan.' Many people withdraw their provident fund to before buying a home, only to find that their account balance and contribution status no longer meet the loan requirements, forcing them to wait and rebuild their contribution months. The correct approach is to get a loan eligibility pre-assessment before buying, confirm how much you can borrow, and then decide on the withdrawal sequence and amount. Shenzhen's provident fund policies differ from those in other parts of China; for example, rental withdrawals are subject to an annual limit. Specifics are subject to the latest official announcements.

深圳各区公积金管理部网点多分布在区政务服务中心内，没有独立大门脸，前往之前务必通过广东政务服务网或拨打 12329 确认当日窗口开放情况及是否需要预约，避免空跑。

Provident fund management offices across Shenzhen's districts are mostly located within district government service centers and do not have standalone storefronts. Before visiting, be sure to check the Guangdong Government Services website or call 12329 to confirm daily window availability and whether an appointment is required, to avoid wasted trips.

六、办理流程

VI. Processing Procedure

1. 第一步（先查账户状态）：在广东政务服务网或「i深圳」APP 上查账户状态、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）：需要到场的先在广东政务服务网或「i深圳」APP 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）：进度可在广东政务服务网或「i深圳」APP 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 one (check account status): Look up your account status, contribution details, and whether there are any pending applications on the Guangdong Government Services website or the iShenzhen app. An abnormally contributing account status will directly affect both withdrawals 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 those who need to appear in person, schedule an appointment in advance on the Guangdong Government Services Network or the "i Shenzhen" APP, avoiding the two peak periods of early morning and late afternoon.
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 Receipt of Funds): The progress can be queried online through the Guangdong Government Services Network or the "i Shenzhen" APP; fund receipt is based on the bank's credited time, which does not coincide with the time the window processes the application.

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。广东政务服务网与「i深圳」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 going in person—it can save you a completely wasted trip. Both housing provident fund withdrawals and loans first review your account status: whether contributions are being paid normally, whether there are any arrears, and whether you already have a pending withdrawal or loan application. Contribution details and account status can be checked on the Guangdong Government Services Network or the "i Shenzhen" APP; once you understand your situation beforehand, the document approval rate on the first attempt is significantly higher.

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 深圳 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 local service windows near you. Below are the addresses and phone numbers for Shenzhen service windows; we recommend calling ahead to confirm whether a given 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，深圳 同样适用。

Not sure which department handles this, or can't get through to the service window? Call the hotline below directly. All the hotlines listed are national or Beijing-standard numbers, and they all apply in Shenzhen as well.

十、常见问题

10. Frequently Asked Questions