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Loan amount is limited, in order to allow more people to use the time to buy a house on the provident fund loans, 'notice' proposed for individual housing provident fund loan rate of 80% of the city, to ensure the rational loan demand effective protection of workers, initiative to carry out housing fund and commercial banks loan portfolio operations. In addition, to actively work for individual housing provident fund loans to commercial banks to transfer individual housing loans, or commissioned by the housing fund management center commercial banks to issue individual housing loan business, housing fund management center spreads give subsidies, housing subsidies included in the fund business expenses . For individual housing provident fund loans ratio below 80% of the city, it should be combined with practical, adjust and improve the housing accumulation fund loan policy. To reasonably determine the loan amount, the loan amount should be considered housing consumption expenditure factor prices, deed, rough housing renovation, residential special maintenance funds. Expand the use of housing provident fund deposit reserve is easier to use difficult, is the common experience of many workers paid. A data show that as of the end of August 2014, the national housing fund balance reached 2.43 trillion yuan, how to make people needed to facilitate the use of the social fund has been a topic of concern. 'Notice' proposed, the city housing provident fund management committee according to the needs of local employees, to further expand the use of housing provident fund. Personal account balance can not meet the demand, which can extract the spouse and parents, children account balance stored inside. The specific measures and the amount determined by the housing provident fund management committee. According to 'notice', the expansion of the fund extraction range. One is allowed to extract housing accumulation fund paid into the employee to pay ordinary family owner-occupied housing property management fees. The second is to allow extraction of housing accumulation fund paid into the employee for the payment of goods purchased from the new general housing renovation costs of housing, pay for 15 years Age of owner-occupied housing maintenance and repair costs. Third, while workers paid into line with extraction and loan terms can be used to extract the housing provident fund to pay mortgage prepayment, according to need to apply for housing provident fund loans. Sleeping housing fund to 'live' According to reports, in order to accelerate reserve