Whether the auction house is capped or not affects the time of provident fund loan and delivery. If the bank's normal lending time is before the auction is capped, it must wait until the auction is capped before lending.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.