According to the policies and requirements of the national and local government on housing system reform, CCB accepts the entrustment of local housing fund management departments to provide financial services such as the establishment, deposit, withdrawal, settlement, inquiry and reconciliation of housing fund accounts for individual employees (owners) according to the entrustment agreement. Including: (1) housing provident fund account: the long-term housing savings paid by each unit and its employees according to the specified proportion or amount are owned by the employees themselves; (2) Housing subsidy account: the housing subsidy paid by the monetized housing subsidy unit for employees according to the specified proportion or amount is used for housing consumption and included in the employee's personal account; (3) Housing maintenance fund account: special housing funds for housing property maintenance paid by individual owners of commercial housing, public housing selling units and employees according to a certain proportion or amount. The individual account of the housing fund shall bear interest on an annual basis, with June 3th as the interest settlement date. It is divided into two parts: the current year's collection and the last year's carry-over. The current year's collection bears interest according to the deposit interest rate listed on the interest settlement date, and the last year's carry-over bears interest according to the three-month lump-sum deposit rate listed on the interest settlement date. The customer operation process of individual account of housing fund is as follows:

① account establishment. Individual employees belong to the unit, according to the provisions of the housing fund management department to deposit registration, to the Construction Bank for housing fund unit accounts and personal accounts set up procedures.

② verification and deposit. Units or owners regularly (on a monthly basis) to the Construction Bank to submit deposit vouchers and personal inventory of employees, the Construction Bank approved the deposit amount and the number of depositors, and went through the formalities of fund deposit.

③ extract and use. Individual employees submit the application materials for extraction, and after the approval of the subordinate unit or the housing fund management department, the Construction Bank will handle the fund transfer procedures for employees' customers.

④ account transfer. Workers due to job transfer, etc., into the unit for individual employees to submit an application for account transfer, after the approval of the housing fund management department or the audit of the Construction Bank, for individual employees to handle the procedures for account transfer and change of the housing fund unit.

⑤ account sealing. The unit where the individual employee works submits the change list of individual account for the employee, and after the audit by the Construction Bank, the individual account of the housing fund will be sealed for the employee customer.

⑥ radix adjustment. The unit to which the individual employee belongs shall submit the inventory of the individual account of the employee for adjusting the base. After the Construction Bank has verified it, it shall go through the formalities for adjusting the deposit base of the individual account of the employee housing fund.

⑦ interest settlement reconciliation. The Construction Bank shall settle interest on employees' personal accounts according to regulations and requirements, and regularly check the deposit and withdrawal of personal accounts of housing funds with customers.

8 account inquiry. The Construction Bank issues dragon cards and special bankbooks for housing funds to individual employees, and individual employees go to the outlets of the Construction Bank to inquire about the personal accounts of housing funds or use the electronic channels of the Construction Bank for self-inquiry.