Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter referred to as units) and their employees. Handling provident fund: the borrower's work unit and the borrower must pay the housing provident fund continuously for one year; The borrower has a good credit record, stable income and the ability to repay the loan; If the borrower purchases a commercial house, it must be no less than 30% of the total house price. The materials required for handling the provident fund are: valid identity cards of both husband and wife; Household registration books of both husband and wife; Original and photocopy of marriage certificate; Proof of economic income issued by the employer of both husband and wife; Credit records of both husband and wife; Application form for provident fund loan provided by the provident fund handling center.

Legal basis: Regulations on the Management of Housing Provident Fund (revised on 20 19) Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

Regulations on the Management of Housing Provident Fund (revised on 20 19) Article 13 The housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

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