In fact, the housing accumulation fund is only a kind of welfare provided by the unit to employees, because the amount paid by the unit and the individual is the same, and after the payment, the part of the unit will become its own money, which has nothing to do with the household registration. Loan/kloc-you can apply for provident fund loan for buying a house for more than 0/2 months, and you can withdraw all the paid provident fund after buying a house. If you have no plan to buy a house, farmers from other places can cancel their accounts and withdraw their provident fund when they leave. In this way, the part handed in by the company can also be extracted. To put it bluntly, the other part is "salary", but this part of "salary" is in your provident fund account, and you can withdraw it at any time as long as you meet the conditions.

The function of mutual loan of provident fund in different places mainly benefits from the advantages of provident fund loan itself:

First, the interest rate of provident fund loans is lower than that of commercial loans, which can reduce the purchase cost of buyers;

Second, you can make full use of the property buyers' own provident fund loan quota to avoid the waste of the provident fund quota of employees in different places.

Third, some cities can also enjoy the 20% down payment policy when purchasing the first home with provident fund loans, which will also greatly reduce the entry threshold for buyers. For some self-occupied property buyers, they can purchase real estate in advance to cope with the rising house prices in the future, and they can't afford to buy houses more and more. These policies should be able to stimulate this part of the demand to enter the market to buy houses, and also protect the purchase opportunities of this part of the buyers.