As for Zhengzhou housing provident fund, starting from 20 15, due to the large funding gap of Zhengzhou housing provident fund, the "business-to-business" loan business was suspended. Until today, the "business-to-business" loan business has not been liberalized. Most of the employees who have paid in Zhengzhou provident fund management are enterprise employees, and many people have applied for provident fund loans. In addition, with the popularization of the provident fund system in recent years, the demand for provident fund loans has increased rapidly. The utilization rate of Zhengzhou provident fund funds is relatively high, and the balance of funds is relatively small, which is only enough for new buyers to apply for provident fund loans directly. Continuing to open the "business-to-business" business will affect new buyers' application for provident fund loans.

Zhengzhou 123 15 government service hotline responded that "business-to-public" business is an innovative business carried out by urban provident fund management centers according to their own financial situation. Zhengzhou Provident Fund Management Center once carried out the business of "changing from commercial to public" before 20 15, but it is tentatively scheduled due to the shortage of funds.

Legal basis:

Article 15 of the Regulations on the Management of Housing Provident Fund

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts. Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 24

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.