There is no difference in policy. According to the reform plan of the Ministry of Housing and Urban-Rural Development of the State Council on the establishment of housing provident fund institutions, Shaanxi Housing Fund Management Center (referred to as Shaanxi Housing Provident Fund) has been incorporated into xi Housing Provident Fund Management Center (the so-called territorial management policy of housing provident fund). If Xi 'an real estate developers are willing to use provident fund loans to buy a house, they will generally contact Xi 'an Housing Provident Fund Management Center. Therefore, when buying a house for housing provident fund loans, he can only choose the provident fund agency banking institution designated by Xi Housing Provident Fund Management Center. If your housing provident fund is paid in the province, because the provincial and municipal provident fund systems are not connected to the Internet, the Xi Housing Provident Fund Management Center system cannot query your housing provident fund payment, so you need to provide the provincial housing provident fund payment certificate, which is virtually one more link than buying housing provident fund in the municipal housing provident fund management center. Note: The guarantee companies of the two provident fund management institutions are mainly Xi 'an Real Estate Guarantee Co., Ltd., so the guarantee fees are the same. (Other differences can be ignored and omitted here).