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我国住房公积金贷款是指由各地住房公积金管理中心运用职工以其所在单位所缴纳的住房公积金,委托商业银行向缴存住房公积金的在职职工和在职期间缴存住房公积金的离退休职工发放的贷款。个人住房公积金贷款的主要目的是为中、低收入家庭提供资金支持,在实施过程中确实对解决职工家庭住房困难方面发挥了极其重要的作用。
China’s housing provident fund loans refer to the loans made by the central government through the housing provident fund management center around the use of their units paid by the housing provident fund, commissioned commercial banks to pay the housing provident fund employees and the working period to pay the housing provident fund retired workers loans. The main purpose of individual housing provident fund loans is to provide financial support for middle and low income families, and indeed play an extremely important role in solving the housing difficulties of employees’ families in the implementation process.