最近,住房公积金贷款难的问题成为各媒体和网络关注的焦点。的确,一方面住房公积金个人住房贷款率不高(截至2005年6月底,个贷率为45.16%),困扰着公积金的决策者;另一方面,广大公积金缴存人又渴望得到廉价的公积金贷款。上级有要求,群众又有需求,那是什么原因导致公积金贷款出现 Recently, the problem of housing accumulation fund loans became the focus of every media and network. Indeed, on the one hand, housing provident fund personal housing loan rate is not high (as of the end of June 2005, a loan rate of 45.16%), plagued the provident fund policy makers; the other hand, the vast CPF depositors are eager to get cheap provident fund loans . Higher requirements, the masses have demand, that is what led to the emergence of provident fund loans