The difference between the two: First, the objects are different; The provincial provident fund center is generally aimed at enterprises and institutions or employees who reach the provincial level in the province; The municipal provident fund is generally aimed at employees of ordinary enterprises such as private enterprises in Rongcheng town and other social groups. Second, the scope of application is different; The provincial provident fund can be used in the whole province, with a wide scope of application, while the municipal provident fund can only be used in the city, with a narrow scope of application. Third, the repayment methods of portfolio loans are different; If you use a portfolio loan to buy a house and apply for a provincial provident fund loan, you can repay the commercial loan first and then the provident fund loan; The use of city provident fund loans should be repaid at the same time according to a certain proportion, but the specific policies shall be subject to the provisions of the local housing provident fund center. Fourth, the use conditions are different; In some provinces, the first suite has the same provident fund loan, but the second suite is based on the house, and the second suite uses the provident fund to make a down payment of 50%; The city provident fund is based on the number of times the provident fund is used. If the first housing does not use provident fund, then the second housing provident fund loan is based on the first housing, that is, the down payment is 30%.

Legal objectivity:

Housing accumulation fund regulations

Article 11

The housing provident fund management center shall perform the following duties:

(a) the preparation and implementation of housing provident fund collection and use plan;

(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;

(three) responsible for the accounting of housing provident fund;

(four) to approve the extraction and use of housing provident fund;

(five) responsible for the preservation and return of housing provident fund;

(six) the preparation of housing provident fund collection and use plan implementation report;

(seven) to undertake other matters decided by the housing provident fund management committee.