Article 1 In order to strengthen the management of housing provident fund loans (hereinafter referred to as provident fund loans), standardize the behavior of housing provident fund loans, improve the ability of employees to pay for housing consumption, and support employees to solve the problem of owner-occupied housing, according to the Regulations of the State Council Municipality on the Management of Housing Provident Fund, the General Principles of Loans of the People's Bank of China and the Interim Measures for the Management of Housing Provident Fund in Shenzhen (hereinafter referred to as the Interim Measures) and other relevant regulations, combined with the actual situation of this Municipality, it is formulated.

article 2 these provisions shall apply to the activities of handling provident fund loans within the administrative area of this municipality.

the provident fund loans mentioned in the preceding paragraph include ordinary provident fund loans, commercial housing mortgage loans to provident fund loans and provident fund portfolio loans.

ordinary provident fund loans refer to simple provident fund loans. Commercial housing mortgage loans to provident fund loans (hereinafter referred to as business-to-public loans) refer to employees who purchase houses in this city and handle commercial housing mortgage loans (excluding provident fund portfolio loans), and then repay part or all of the commercial housing mortgage loans with provident fund loans. Provident fund portfolio loan refers to the portfolio loan of provident fund loan and commercial housing mortgage loan that employees entrust commercial banks (hereinafter referred to as entrusted banks) to apply for from the provident fund center when ordinary provident fund loans can't meet the housing demand of employees.

article 3 provident fund loans shall adhere to the principle of gradual and sustainable progress, and follow the principles of capital safety, fairness and convenience.

article 4 the Shenzhen housing provident fund management Committee (hereinafter referred to as the provident fund management Committee) is responsible for the provident fund loan policy of this municipality and related major housing provident funds.