Legal basis: Article 1 In order to standardize the individual housing loan business of housing provident fund in Xinjiang Uygur Autonomous Region, unify the loan business process and guard against loan risks, according to the Civil Code of People's Republic of China (PRC), the Regulations on the Management of Housing Provident Fund in the State Council, the Business Specification for Individual Housing Loan of Housing Provident Fund of the Ministry of Housing and Urban-Rural Development, the General Principles of Loans and the Measures for the Management of Individual Housing Loans of the People's Bank of China and other laws, regulations and documents.