1. Loan target: qualified employees and units;

2. Loan amount: comprehensively calculated according to the lender's deposit period, deposit amount, purchased housing area, housing location and other factors;

3. Loan term: up to 30 years;

4. Loan interest rate: the market interest rate is implemented, and the current benchmark interest rate rises by10%;

5. Repayment method: equal principal and interest repayment, monthly repayment;

6. Application conditions: Meet the application conditions for housing provident fund loans in Jiyuan City, and provide relevant application materials;

7. Application process: The employee applies to the unit where he works. After the initial review of the unit, the employee himself submits the application materials to the housing provident fund management center, and the provident fund management center approves the loan after review.

Housing accumulation fund is a compulsory savings system established in Chinese mainland to encourage and help employees to buy houses, aiming at alleviating the pressure on residents to buy houses and improving housing conditions. There are certain regulations and restrictions on the deposit and withdrawal of housing provident fund.

Both enterprises and employees are required to pay the housing provident fund according to a certain proportion, in which enterprises pay according to a certain proportion of the total monthly wages of employees and individual employees pay according to a certain proportion of the total monthly wages. The paid housing provident fund can be used for housing-related expenses such as purchase, construction, decoration and loan repayment. Housing provident fund can also be used to pay rental deposit or raise rental standards.

To sum up, there are certain restrictions on the withdrawal of housing provident fund, which can only be used for housing-related expenses such as purchase, construction, decoration and repayment of loans. Workers can also withdraw housing provident fund when they retire or leave their jobs. Housing accumulation fund is the long-term savings and investment of employees and enterprises, which is helpful to improve the living conditions of employees and the sense of social responsibility of enterprises.

Legal basis:

The "Regulations" of People's Republic of China (PRC) city housing provident fund management thirty-second.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, according to the relevant provisions of the People's Bank of China on individual housing loans, make a decision on whether to grant loans within ten working days from the date of accepting the application. If the loan is granted, the entrusted bank shall handle the loan formalities; If the loan is not approved, notify the applicant in writing and explain the reasons. The risk of housing provident fund loans shall be borne by the housing provident fund management center.