The main purpose of implementing housing provident fund loans is to improve the basic living conditions and standards of paid employees, but it cannot involve investment or enjoyment of life. According to the Operating Rules for Personal Housing Provident Fund Loans recently 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. You can't apply for a housing provident fund loan to buy a villa.

The types of housing provident fund loans include:

1, commercial housing (the developer must sign a loan cooperation agreement with the municipal housing provident fund management core);

2, the current housing (that is, housing reform to buy property rights);

3. Second-hand houses (stock houses are listed and traded);

4. Housing reform refers to the built public housing purchased by urban workers in accordance with the policies of the state and local people's governments at or above the county level on the reform of urban housing system;

5. Self-built houses refer to houses invested and built by individuals on state-owned land in accordance with the approval requirements of relevant departments;

6. Relocated houses refer to houses on state-owned land that need to be demolished due to national, provincial and municipal planning and construction, as well as houses acquired by individuals in the form of resettlement through increased investment, and the original houses that have been demolished have no outstanding loans;

7. The house without house ownership refers to the house located on the house property certificate, and the state-owned land on the military land cannot be handled. The house must be the first transaction house;

8, auction house (auction company must sign a loan cooperation agreement with the city housing provident fund management center).

legal ground

Article 24 of the Regulations on the Management of Housing Provident Fund:

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.