"Opinions on Further Improving the Management of Housing Provident Fund" stipulates that as long as there is the relevant housing provident fund deposit certificate issued by the housing provident fund management department of this Municipality, housing loans can be handled, which provides greater convenience for more citizens who buy houses in different places. At the same time, it is stipulated that citizens who have paid provident fund in other places and have household registration in this city can also apply for provident fund loans in Qingdao.

In the past, this city stipulated that citizens could not apply for loans with personal provident fund when buying houses in other areas outside this city. Recently, the "Regulations on the Administration of the Use of Provident Funds" promulgated by this Municipality has cancelled this restriction. It is stipulated that employees who paid housing provident fund in this city in the past apply for housing provident fund loans in different places because of buying houses in different places, and the housing provident fund management office will issue a unified certificate of housing provident fund payment to the employees who paid, and citizens can apply for loans with relevant certificates.

In addition, for some citizens who have paid provident fund in other places and have household registration in this city to apply for provident fund loans in Qingdao, the restrictions have also been lifted. The new regulations point out that employees who have registered in this city but have not paid the housing provident fund in this city need to apply for housing provident fund loans in Qingdao to buy self-occupied houses. If they meet the prescribed loan conditions, they can apply for housing provident fund loans in this city with the proof of payment issued by the housing provident fund management center at the place of deposit and the proof of income issued by the unit, but the down payment ratio of house purchase should be increased by 10 percentage point on the basis of the original regulations. Among them, the down payment ratio of commercial housing loans is 40% ~ 60% according to different requirements, and the down payment ratio of second-hand housing loans is 40% ~ 80% respectively.