First, the provident fund is a housing provident fund that is stipulated by the state and paid by units and individuals according to a certain proportion. The funds in the account are owned by individuals and mainly used for housing consumption, such as self-built, self-occupied housing overhaul, repayment of principal and interest of home purchase loans, and subsidies when the rental exceeds the proportion of family income. Houses that pay the provident fund normally can apply for provident fund loans.

Housing fund is a fund set up by various units (units with good benefits) to solve the housing difficulties of employees (units and individuals each have a certain proportion), and its money is left in the unit account, and the financial department has a special "housing fund" account. When using, the regulations of each unit are different. First, as a housing subsidy for employees. Employees who purchase houses can apply for full housing subsidies; Second, interest-free loans are given to employees for buying houses, such as down payment. A fund paid in full to employees when they leave the company (such as retirement). According to the above explanation, the provident fund is handed over to the local provident fund management center and managed by the provident fund management center.

Second, there are two kinds of provident funds: one is the basic provident fund (which must be paid) and the other is the supplementary provident fund (which the unit decides whether to pay according to the situation), so this housing provident fund is also a provident fund, called "supplementary provident fund", which is only provided to units with good benefits. If your unit is like this, then the housing provident fund is also a provident fund, which is called "supplementary provident fund". Whether this housing provident fund is a supplementary provident fund, the principle of difference is: if it is managed by the unit itself, it is called "housing provident fund"; If it is managed by the local provident fund management center, it is called "supplementary provident fund". Their rights and interests belong to individual employees.