Legal analysis: The special residential maintenance funds are paid by all owners and belong to all owners jointly.

Under normal circumstances, maintenance funds are established under the unified supervision of the real estate management department where the property is located, and the property management company or management unit applies for withdrawal and use.

After the owners' committee is established, if more than two-thirds of the owners' households and building area agree, the maintenance funds can be transferred to the owners' committee, and the owners' committee will exercise management rights.

Legal basis: "Housing Provident Fund Management Regulations" Article 26 Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.