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Construction Corps Construction Bureau, the Finance Bureau, the People's Bank of China branches and business management departments, provinces (capital) city center branch, sub-provincial city center branch, municipalities and Xinjiang Production and Construction Corps, the housing provident fund management committee, the housing provident fund management Center: this year, around the implementation of the country to strengthen the spirit of the housing provident fund management teleconference, according to 'on the development of individual housing provident fund loan business notice' (Jian Jin [2014] No. 148), 'on the liberalization extract the housing provident fund to pay the rent notification conditions '(Jian Jin [2015] No. 19) and' on the individual housing loan policy issues related to notice '(YF [2015] No. 98) requirements, adjust the housing provident fund use policies, streamline business process flow, capital efficiency have improved. But in some areas the housing fund usage conditions remain tight, complicated formalities, the balance of funds larger scale, restricted the role played housing fund. To effectively improve the efficiency in the use of housing provident fund, according to the State Department's inspection requirements for the use of policy to accelerate the implementation of housing accumulation fund, we hereby notify the relevant issues as follows: First, improve the actual loan amount. The end of August 2015, the housing fund of funds is less than 85% of the Shequchengshi to consider local price level, demand for loans and the borrower's repayment ability, increase individual housing provident fund loans to the actual amount. In ensuring the basic living expenses of the borrower premise, the monthly payment and monthly income than the upper limit control 50% -60%. Loan repayment period can be extended to the borrower after the statutory retirement age five years, the maximum loan period of 30 years. The implementation of a monthly transfer of the housing accumulation fund loan principal and interest punching operations. Second, the overall use of funds Shequchengshi. Shequchengshi same housing fund management center and sub-centers should be harmonized and extract housing accumulation fund loan policy to co-ordinate the use of loan funds. Insufficient housing fund management center or sub-center loan funds, should allow workers paid to city housing provident fund management institutions to apply for a loan. Third, broaden the financing channels for the loan. Conditional city should actively promote individual housing provident fund loans to asset securitization business and revitalize the housing accumulation fund loan assets. Fourth, the full implementation of different