顺义公积金：提取、贷款与账户查询

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

国门空港 · 15 号线贯穿东西 · 首都机场临空经济区所在地。公积金是职工最有价值的一笔账户资金，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。顺义 的公积金业务由北京住房公积金管理中心顺义管理部承办，下面是电话、窗口、材料和时限。

Guomen Konggang · Line 15 runs east-west · Home to the Capital Airport Economy Zone. The housing provident fund is one of the most valuable account funds for employees. Whether you can withdraw, how much you can withdraw, and how many days it takes to receive the funds—all three questions have clear rules. Shunyi's provident fund business is handled by the Shunyi Management Department of the Beijing Housing Provident Fund Management Center. Below are the phone number, office windows, required documents, and processing time.

一、先说结论：公积金提取、贷款与账户查询怎么办

1. The Bottom Line: How to Handle HPF Withdrawal, 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顺义管理部承办，窗口在政务服务中心南楼 3 层 A 区（复兴东街 3 号院）；租房提取、无房提取等高频业务线上就能办完（「京通」小程序或公积金中心官网），需要到窗口的只有三类：购房提取（部分情形）、贷款面签、单位汇缴的现场核验。

Bottom line: {cn}'s housing provident fund business is handled by the Shunyi Management Department of the Beijing Housing Provident Fund Management Center, with the service window on the 3rd floor, Area A of the South Building of the Government Service Center (No. 3 Fuxing East Street). High-frequency services such as rental withdrawal and non-owner withdrawal can be completed online (via the "Jingtong" mini-program or the Provident Fund Center website); only three types of matters require an in-person visit: property purchase withdrawals (in some cases), loan face-to-face signing, and on-site verification of employer payments.

公积金业务里最容易踩的坑是「顺序错」。租房提取的前提是本人及配偶在京无自有住房且有租赁备案（或承诺无房）；先买房再按租房提取属于违规提取，会被追回并影响后续业务。第二个坑是「以为贷款利率固定」。公积金贷款利率按北京市统一政策执行，首套与二套利率不同，面签前先在公积金中心官网查当年利率表。

The easiest pitfall in housing provident fund (HPF) business is getting the sequence wrong. Rental withdrawal requires that neither you nor your spouse owns property in Beijing, and you must have a rental registration (or a commitment of no ownership). Buying a home first and then applying for withdrawal under the rental category constitutes an illegal withdrawal — the funds will be recovered and your subsequent applications may be affected. The second common mistake is assuming the loan interest rate is fixed. HPF loan rates follow Beijing's unified policy and differ between first-home and second-home purchases. Check the current year's rate table on the HPF Center website before your face-to-face signing appointment.

还有一个容易被忽略的细节：{cn} 的公积金窗口在政务服务中心南楼 3 层（与社保、医保同院不同区），进门先看分区导视再取号。表中标「官方」的号码来自公积金中心公示，可直接拨打；12329 是不需要找人的兜底通道。

Another easily overlooked detail: the {cn} HPF service window is on the 3rd floor of the South Building at the Government Service Center (same courtyard as social insurance and medical insurance, but a different section). Look at the directional signage upon entry before taking a number. The numbers marked 「official」 in the table come from HPF Center public notices and can be dialed directly; 12329 is a fallback hotline that doesn't require knowing which specific department to reach.

二、谁来办，电话怎么打

II. Who Handles It and How to Call

打电话时不用先想清楚事项名。先说「我要提公积金」还是「我要办公积金贷款」，对方会转到对应窗口。12329 是全国统一热线（人工 8:00-22:00），多数问题热线就能答。表中「出处等级」标「官方」的是公积金中心公示的号码，可直接拨打。

You don't need to have the exact matter name ready when you call. Just say whether you want to withdraw HPF or apply for an HPF loan, and the operator will route you to the right window. 12329 is a nationwide unified hotline (human-staffed 8:00–22:00), and most questions can be resolved over the phone. Numbers marked 「official」 in the table are from HPF Center public notices and can be dialed directly.

三、去哪个窗口办，几点开门

3. Which window to go to and when it opens

公积金窗口在政务服务中心南楼 3 层 A 区（复兴东街 3 号院），与社保、医保窗口同院不同区，进门先看分区导视。周一至周五 9:00-12:00 / 13:30-17:00 对外办理，周六 8:30-12:30 属延时服务，必须提前预约，不能直接过来。

The housing provident fund service window is located on the 3rd floor, Area A of the South Building at the Government Service Center (No. 3 Courtyard, Fuxingdong Street). It shares the same compound as the social security and medical insurance windows but is in a separate area; check the directory signage upon entry. The counter is open Monday to Friday 9:00-12:00 / 13:30-17:00. Saturday 8:30-12:30 is an extended-hour service that requires a prior appointment — walk-ins are not accepted.

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.

• {cn} 缴存职工及所在单位已按时足额缴存公积金的，可以申请提取或贷款。
• 租房提取需要本人及配偶在 {cn} 无自有住房且租赁备案（或承诺无房），按月或按季度提取。
• 购房提取需要本人或配偶名下购房合同（或不动产权证），提取额度不超过购房支出。
• 公积金贷款需要连续足额缴存满一定月份（常见为 6 或 12 个月，以公积金中心口径为准），且征信符合要求。
• 委托他人代办的，提取业务多数支持线上办理；贷款面签必须本人到场，不设代办。
• Employees and their employers in {cn} who have made timely and full housing provident fund contributions may apply for withdrawal or a loan.
• To withdraw for renting, the applicant and their spouse must not own any residential property in {cn}, and the lease must be registered (or a no-property commitment provided). Withdrawals can be made on a monthly or quarterly basis.
• To withdraw for purchasing a home, a purchase contract (or real estate title certificate) under the applicant's or spouse's name is required. The withdrawal amount shall not exceed the actual purchase expenditure.
• A housing provident fund loan requires continuous and full contributions for a specified number of months (commonly 6 or 12 months, subject to the local housing provident fund management center's current criteria), and the applicant's credit record must meet the required standards.
• For proxy applications, most withdrawal services can be handled online. However, the loan face-to-face signing must be completed in person — no proxy is permitted.

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（居民身份证、港澳台居民居住证等）。
• 本人名下的银行储蓄卡（I 类账户），用于接收提取款。
• 租房提取的，需准备租赁备案信息或无房承诺（线上办理时按平台要求填写）。
• 购房提取的，需准备购房合同或不动产权证原件、购房发票或契税完税凭证。
• 公积金贷款的，另需准备婚姻证明（结婚证或单身声明）、征信查询授权书、收入证明（按公积金中心要求）。
• 销户提取（退休、离职离开北京）的，需准备退休证或离职证明。
• 代办时另需提供经委托人签字的委托书、委托人身份证件原件及复印件（贷款面签除外，不设代办）。
• Original valid identification documents (mainland resident ID card, Hong Kong/Macau/Taiwan resident residence permit, etc.).
• A bank savings card (Category I account) under your own name, used to receive withdrawal funds.
• For rental withdrawal, you need to prepare lease registration information or a no-property commitment (fill in according to platform requirements when handling online).
• For home purchase withdrawal, you need to prepare the original home purchase contract or real estate ownership certificate, along with the home purchase invoice or deed tax payment voucher.
• For housing provident fund loans, additionally prepare marital status proof (marriage certificate or single status declaration), credit inquiry authorization form, and income proof (as required by the provident fund center).
• For account closure withdrawal (retirement or leaving Beijing after resigning), prepare your retirement certificate or resignation proof.
• When handled by an agent, additionally provide a power of attorney signed by the principal and the principal's original and copy of ID (except for loan face-to-face signing, which does not allow proxy handling).

公积金业务里最容易踩的坑是「顺序错」。租房提取的前提是本人及配偶在京无自有住房且有租赁备案（或承诺无房）；先买房再按租房提取属于违规提取，会被追回并影响后续业务。第二个坑是「以为贷款利率固定」。公积金贷款利率按北京市统一政策执行，首套与二套利率不同，面签前先在公积金中心官网查当年利率表。

The easiest pitfall in housing provident fund (HPF) business is getting the sequence wrong. Rental withdrawal requires that neither you nor your spouse owns property in Beijing, and you must have a rental registration (or a commitment of no ownership). Buying a home first and then applying for withdrawal under the rental category constitutes an illegal withdrawal — the funds will be recovered and your subsequent applications may be affected. The second common mistake is assuming the loan interest rate is fixed. HPF loan rates follow Beijing's unified policy and differ between first-home and second-home purchases. Check the current year's rate table on the HPF Center website before your face-to-face signing appointment.

还有一个容易被忽略的细节：{cn} 的公积金窗口在政务服务中心南楼 3 层（与社保、医保同院不同区），进门先看分区导视再取号。表中标「官方」的号码来自公积金中心公示，可直接拨打；12329 是不需要找人的兜底通道。

Another easily overlooked detail: the {cn} HPF service window is on the 3rd floor of the South Building at the Government Service Center (same courtyard as social insurance and medical insurance, but a different section). Look at the directional signage upon entry before taking a number. The numbers marked 「official」 in the table come from HPF Center public notices and can be dialed directly; 12329 is a fallback hotline that doesn't require knowing which specific department to reach.

六、办理流程

VI. Processing Procedure

1. 第一步（先分清是哪一类）：租房/无房/销户提取属于高频线上业务，在「京通」小程序或公积金中心官网提交；购房提取部分情形线上可办；贷款必须面签。分错类别是最常见的白跑原因。
2. 第二步（线上查指南）：在北京住房公积金管理中心官网或「京通」小程序按事项名称查到官方办事指南，逐字读受理条件、材料清单与办理时限。
3. 第三步（先做线上能做的）：租房提取支持按月委托提取，线上签约后每季度自动到账；无房提取、销户提取同样线上可办。提交后记下申请编号，后面查询进度要用。
4. 第四步（预约窗口）：需要到场的，先在 12329 或官方渠道预约时间与网点，避开上午刚上班和下午临近下班两个高峰。
5. 第五步（备材料）：按本页第五节逐项准备原件与复印件，银行卡必须为本人名下 I 类账户。
6. 第六步（受理与办结）：窗口核验原件、收取材料，出具受理凭证。提取款按经办流程打款到本人银行账户。
7. 第七步（查进度与领取）：线上提交的可在平台查询进度；提取到账时间通常 1-3 个工作日（以公积金中心口径为准），贷款放款时间以面签时告知为准。
8. Step 1 (first determine the category): Rental/no-property/account closure withdrawals are high-frequency online services — submit via the Jing Tong mini-program or the provident fund center website. Home purchase withdrawal can be done online in some cases. Loans require face-to-face signing. Misclassifying the category is the most common reason for wasted trips.
9. Step 2 (look up guidelines online): Visit the Beijing Housing Provident Fund Management Center website or the Jing Tong mini-program, search for the official guide by service name, and read the acceptance conditions, document checklist, and processing time carefully.
10. Step 3 (do what you can online first): Rental withdrawal supports monthly entrusted withdrawal. After signing up online, the funds are automatically deposited each quarter. No-property withdrawal and account closure withdrawal can also be handled online. After submitting, keep a record of the application number—you will need it to check progress later.
11. Step 4 (book a window appointment): If you must appear in person, book your time and branch in advance through 12329 or official channels. Avoid the early-morning rush right after opening and the late-afternoon period close to closing.
12. Step 5 (prepare documents): Follow the checklist in Section 5 of this page to prepare original documents and photocopies. Your bank card must be a Class I account under your own name.
13. Step 6 (acceptance and completion): The window staff verifies originals, collects documents, and issues an acceptance receipt. Withdrawn funds are transferred to your personal bank account according to the handling process.
14. Step 7 (check progress and receive funds): Applications submitted online can be tracked on the platform. Withdrawal arrival typically takes 1–3 working days (subject to the Housing Provident Fund Center's guidance); loan disbursement time is as stated during your face-to-face signing.

一个能省一趟的习惯：租房提取先在「京通」小程序试一次——租房提取支持按月委托提取，签约后每季度自动到账，不用反复跑窗口。贷款面签则必须本人到场，带齐婚姻证明与征信授权材料。

A habit that saves one trip: For rental withdrawal, try the Jing Tong mini-program first—rental withdrawal supports monthly entrusted withdrawal, with automatic quarterly deposits after signing, so you don't need to keep visiting the window. Loan face-to-face signing requires your personal appearance, so bring your marriage certificate and credit authorization documents.

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 顺义 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 Shunyi service windows; it is recommended to call ahead to confirm whether the window handles this service.

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，顺义 同样适用。

If you are unsure which department is responsible 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 in Shunyi.

十、常见问题

10. Frequently Asked Questions