Legal analysis: the provident fund loan policy is: if the first self-occupied house is purchased with a construction area of less than 90 square meters, the down payment ratio of the housing provident fund loan shall not be less than 20%; For families with a building area of over 90 square meters, the down payment for housing provident fund loans shall not be less than 30%. In terms of loan amount, the maximum loan amount for each household housing provident fund is 500,000 yuan. In addition, for the purchase of a second house to improve living conditions, the maximum loan limit of each family housing provident fund is 400,000 yuan. The down payment ratio of the loan shall not be less than 50% of the total amount.

Provident fund, also known as company reserve fund, refers to a sum of money drawn from the company's profits according to law in order to enhance its own property capacity, expand production and operation and prevent accidental losses, and is not used as part of income or dividend distribution income. Mainly used for: making up the company's losses, expanding the company's production and operation, and increasing the company's capital.

The housing accumulation fund system is actually a housing security system and a form of monetization 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 housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees.

Legal basis: Regulations on the Management of Housing Provident Fund

Thirty-third housing provident fund management center shall accept the audit supervision of the audit department according to law.

Thirty-fourth housing provident fund management center and employees have the right to urge units to perform the following obligations on time: (1) registration of housing provident fund deposit or change or cancellation of registration; (two) the establishment, transfer or sealing of the housing provident fund account; (3) Pay the housing accumulation fund in full.

Thirty-fifth housing provident fund management center shall urge the entrusted bank to handle the business agreed in the entrustment contract in time.

The entrusted bank shall provide relevant business information to the housing provident fund management center on a regular basis in accordance with the entrustment contract.

Thirty-sixth workers and units have the right to inquire about the deposit and withdrawal of their housing provident fund, and the housing provident fund management center and the entrusted bank shall not refuse.