Legal analysis: First, employees who have paid the housing provident fund in full for more than 6 months (inclusive) can apply for personal provident fund loans, and the years of payment in different places can be calculated together. Two, the use of provident fund loans to buy ordinary housing, the minimum down payment ratio of 20%, the loan period can be extended to 5 years after retirement. 3. The extraction conditions of housing provident fund are relaxed. Family members who purchase ordinary housing can withdraw the housing accumulation fund of other family members with their consent and valid certificates. 4. It is to carry out off-site loan business in the region. In the autonomous region, employees who have paid the housing provident fund normally can apply for loans to purchase houses in different places from the housing provident fund management center where the house is purchased, and can apply for withdrawing the housing provident fund from their own and their spouses' accounts with the purchase procedures. Fifth, cancel the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee fees, and reduce the burden on loan workers. The sixth is to optimize the loan processing process. The housing property registration institution shall complete the mortgage registration formalities within 10 working days from the date of accepting the mortgage registration application, and the housing provident fund management center shall complete the loan issuance within 5 working days after the mortgage registration. Real estate development enterprises shall not refuse to pay employees to use housing provident fund loans to buy houses. Refuse to use, according to the bad behavior recorded in the enterprise credit files.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.