2. The main purpose of implementing housing provident fund loans is to improve the basic living conditions of paid employees and improve their basic living standards, but it cannot involve investment or enjoyment of life.

3. According to the latest operating rules for individual housing provident fund loans promulgated and implemented by the Housing Provident Fund Management Center, those who purchase villas, multi-storey conjoined villas, commercial and residential dual-use houses (including apartments) and invest in speculative housing may not apply for housing provident fund loans.