Silver tree provident fund loans are formal. Yinshu Loan is a loan service provided by Shanghai Yinshu Technology. It is a formal company in industrial and commercial registration and its industry is formal, belonging to the business service industry. Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The units here include state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations. 201110/On October 27th, Miracle, Vice Minister of Housing and Urban-Rural Development, said that the Ministry of Housing and Urban-Rural Development was working with several departments to revise the regulations on provident fund and liberalize the provision that individuals should withdraw provident fund to pay housing rent.