Legal analysis: loans must have bank qualifications, and provident fund is not a financial institution. Those who are not qualified to issue loans must entrust a bank. The provident fund is responsible for examining the qualifications of lenders, and the bank is responsible for the issuance and recovery of loans. The provident fund center collects value-added benefits such as loan interest as management fees, and pays employees the interest paid into the provident fund, bank fees, etc. Because the loan is risky, it is also necessary to withdraw the risk reserve from the value-added income according to the prescribed proportion.

Legal basis: Article 25 of the Measures for the Administration of Affordable Housing Urban low-income families applying for affordable housing shall meet the following conditions at the same time:

(1) Having a local urban hukou;

(two) the family income conforms to the income standard of low-income families designated by the municipal and county people's governments;

(three) there is no room or the current housing area is lower than the housing difficulty standard stipulated by the people's government of the city or county.

The family income standard and housing difficulty standard of the affordable housing supply object are determined by the municipal and county people's governments according to local commodity housing prices, household disposable income, living standards and family demographic structure, and are subject to dynamic management and announced to the public once a year.