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住房公积金制度创建以来,正是我国房地产业飞速发展时期,不少城镇居民用住房公积金贷款购买、建造了住房,改善了居住条件,住房公积金的作用愈来愈为大家所认同。然而,由于住房公积金贷款品种单一,使住房公积金受众面不宽,住房公积金使用率不高,限制了住房公积金作用的充分发挥。住房公积金个人住房贷款业务要有大规模发展,需要不断创新其贷款品种,以满足多元化的社会需求。
Housing accumulation fund system has been created, it is the rapid development of China’s real estate industry during the period, many urban residents with housing provident fund loans to buy, build housing, improve living conditions, the role of housing provident fund more and more recognized by everyone. However, due to a single housing loan fund loans, so that the housing provident fund audience is not wide, the housing provident fund utilization is not high, limiting the full play of the role of housing provident fund. Housing provident fund Individual housing loans business to have large-scale development, the need to constantly innovate its loan varieties to meet the diverse needs of the community.