Provide fund loans are not available for public rental housing.

Categories of housing provident fund loans:

New house loans, second-hand house loans, self-built housing loans, housing decoration loans, commercial housing loans converted to provident fund loans, etc.

Housing provident fund loans refer to local housing provident fund management centers using the housing provident funds paid by employees and their units, and entrusting commercial banks to provide housing provident funds to current employees who have paid housing provident funds and to employees who have paid housing provident funds during their employment. Home mortgage loans issued to retired employees.

The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid by the employee's unit for employees are personal savings saved by employees in accordance with regulations and specifically used for housing consumption expenditures, and belong to the individual employees. When an employee retires, the principal and interest balance will be paid in one lump sum and returned to the employee himself.