住房公积金是职工个人和所在单位按规定缴存的一种具有保障性和互助性的住房储金。国家为推进城镇住房制度改革，加快城镇住房建设步伐，适时推出了个人住房公积金贷款，被称为启动住房制度改革的“发动机”。 从对杭州临安市调查反映的情况看，目前临安市个人住房公积金贷款制 Housing provident fund is a kind of guaranteeing and mutual-aid housing deposit that the employee and his employer pay according to the regulations. In order to promote the reform of housing system in cities and towns and speed up the pace of housing construction in cities and towns, the state has launched a loan for personal housing provident funds timely and is called the “engine” for starting the reform of the housing system. From the investigation of Lin’an City, Hangzhou, reflect the situation, the current personal housing provident fund loans in Lin’an City