Tianjin Housing Provident Fund Management Center replied that the provident fund loan business in Tianjin started earlier and the utilization rate of funds was much higher than the national average. On the premise of limited funds, in order to support more employees to solve the housing problem, the available funds are mainly used to support employees to apply for housing provident fund loans directly, so Tianjin has not yet launched the policy of converting commercial mortgage loans into housing provident fund loans. Because the use of commercial mortgage loans does not occupy other employees' housing provident fund funds, Tianjin has given more care to employees who use mortgage loans to buy houses. Employees who use mortgage loans can apply for withdrawal of housing provident fund for the down payment, because the time limit for withdrawal of housing provident fund for repayment is more relaxed than that for employees who use housing provident fund loans.