住房公积金个人住房贷款是提高缴存职工住房消费能力的重要途径,也是缴存职工的基本权益。当前,各地住房公积金个人住房贷款业务发展不平衡,部分城市贷款发放率较高,但多数城市发放率在85%以下,影响了缴存职工的合法权益,也削弱了住房公积金制度的作用。为提高住房公积金个人住房贷款发放率,支持缴存职工购买首套和改善型自住住房,住房城乡建设部、财政部、中国人民银行10月9日联合印发了《关于发展住房公积金个人住房贷款业务的通知》,就发展住房公积金 Housing provident fund personal housing loans is to improve the ability to pay the housing stock of workers an important way to save the basic rights and interests of workers. Currently, housing provident funds around the individual housing loan business development is not balanced, some cities loan issuance rate is higher, but the majority of urban distribution rate of 85% or less, affecting the legitimate rights and interests of deposit workers, but also weakened the role of housing provident fund system. In order to improve the housing provident fund personal housing loan payment rate and support the purchase of workers to purchase the first and improved self-occupied housing, the Ministry of Housing and Urban-Rural Construction, the Ministry of Finance and the People’s Bank of China jointly issued the Circular on Developing Housing Fund Individual Housing Loan Business notice ", the development of housing provident fund