Food, clothing, housing and transportation have been essential living conditions for people since ancient times. But now many people have lifelong loans because of their houses. Many people spend their whole lives building a suite in their hometown or buying a suite in the city. Without this ability, many people will have no place to live. Houses are so important to people, but the price is surprisingly high. Even in third-tier cities, a house can reach hundreds of thousands to millions. This is an economic pressure that a large part of ordinary people can't bear. Not to mention some staff. Luoyang City, Henan Province canceled the policy of turning individual mortgage lenders into public lenders to ease the economic pressure on property buyers.

In order to reduce the interest expenses and life pressure of paid-in workers' families to buy self-occupied housing loans. The Housing Provident Fund Management Center of Luoyang City, Henan Province plans to implement the policy of individual lenders turning to public after repayment. In other words, the transfer of commercial loans to provident fund loans means that employees who meet the conditions of provident fund loans apply to Luoyang Housing Provident Fund Management Center for commercialization of outstanding housing ownership certificates, and personal housing loans are converted into housing provident fund and personal housing loans. However, the application amount for transferring commercial loans to provident fund loans shall not exceed the remaining principal of commercial loans. Moreover, the sum of the repayment period of commercial loans and the loan period of commercial loans to provident fund should not exceed 30 years for commercial housing and 20 years for second-hand housing.

The introduction of this policy has effectively played the role of housing provident fund in protecting the lives of employees, and reduced the loan interest expenses and life pressure of employees' families buying houses. At present, employees' wages are relatively stable, which conforms to the local basic living standards, so buying a house is also a great economic pressure for employees. The state has implemented the provident fund policy for public officials, and should give full play to the advantages of the provident fund policy so that employees can really benefit from the purchase process. Because the price of renting a house is too high now, if a family buys a house, it will bear huge debts. A slight change in this family will cause the whole family to have nowhere to live.

We all know that food is the most important thing for people. In addition to having enough food and clothing, people should also have a stable residence as a guarantee of life. If the current housing price is too expensive or there is no corresponding policy to protect people's housing problem, then people's life pressure will be enormous, which is the same for everyone. I hope the country will relax its housing policy so that everyone can live in their own house.