The relationship between provident funds and housing loans is as follows: Provident funds can be used to pay the down payment or repayment of a housing loan, and can also be used as one of the conditions for applying for a housing provident fund loan.

1. Provident fund loans refer to personal housing provident fund loans. The housing provident fund management center uses the housing provident funds paid by employees to entrust commercial banks to issue housing mortgage loans to qualified employees;

2. House buyers who are not married to each other can also apply for provident fund loans, but only one provident fund loan is supported for the same house, and the loan amount is calculated based on ***’s share of property rights;

3. Provident Fund The measurement of the loan limit should be determined based on four factors: loan repayment ability, house price, housing provident fund account balance and local loan maximum limit. The minimum value among the four is taken as the maximum loanable amount;

4. Housing The risk of provident fund loans is borne by the housing provident fund management center. The management center should decide whether to grant the loan within 15 days after accepting the application, and the entrusted bank will handle the loan procedures.

Regulations on the use of provident funds:

1. Provident fund withdrawal conditions: must meet the withdrawal conditions specified by the local housing provident fund management center, such as house purchase, renting, decoration, loan repayment, etc.;

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2. Provident Fund loan qualifications: Applicants must have a certain payment time and amount, and have a good credit record;

3. Provident Fund loan amount: usually based on the personal provident fund account balance, payment The ratio and deposit time are determined;

4. Provident fund loan interest rate: lower than commercial loan interest rate, which is a policy preferential interest rate;

5. Provident fund co-branded card use: available in some areas Repayment will be directly debited through provident fund co-branded card.

To sum up, the relationship between provident funds and housing loans is that provident funds can be used to pay the down payment or repayment of housing loans, and can be used as one of the conditions for applying for a housing provident fund loan. Provident fund loans are housing mortgage loans entrusted by commercial banks issued by the Housing Provident Fund Management Center to eligible employees. House buyers who are not married to each other can also apply for provident fund loans, but only one provident fund loan is supported for the same house. The measurement of provident fund loan limit is determined based on four factors: loan repayment ability, house price, housing provident fund account balance and local borrowing maximum limit. The maximum loanable amount is the minimum of the four. The risks of housing provident fund loans are borne by the housing provident fund management center, and the loan procedures are handled by the entrusted bank.

Legal basis:

"Regulations on the Administration of Housing Provident Fund"

Article 26

Employees who contribute to the housing provident fund shall When purchasing, constructing, renovating or overhauling a self-occupied house, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.