在经历了央行的九次加息之后,住房公积金贷款利率也由4.05%上升到了5.22%,已经高于2004年的个人住房商业贷款利率,给中低收入家庭带来了相当的支付压力。为了更好地发挥住房公积金对我国职工自住住房融资的支持作用,公积金贷款有必要从浮动利率转变为固定利率。分析了住房公积金的准封闭运行模式;并将其与德国成功实施的住房储蓄模式进行比较,认为固定利率住房公积金模式有其运行的可行性。 After experiencing the central bank’s nine interest rate hikes, the housing provident fund lending rate also rose from 4.05% to 5.22%, which is already higher than the personal housing commercial loan interest rate in 2004, which has caused considerable payment pressure on low- and middle-income families. In order to give full play to the housing provident fund for our workers to support their own housing finance, the need for the provident fund loans from floating interest rates to fixed rates. This paper analyzes the quasi-closed operation mode of housing provident fund and compares it with the successful housing saving mode in Germany. It thinks that the fixed-rate housing provident fund mode has its feasibility.