To apply for a Housing Provident Fund (HPF) loan for a company self-built home, the following steps are required: First, ensure the company has obtained formal approval for the self-built housing project from local government authorities, including a construction permit and land use certificate. Second, the company must submit a loan application to the designated HPF management center, accompanied by documents such as proof of employee contributions, project feasibility reports, and financial statements demonstrating the company’s ability to repay the loan. Third, the HPF management center will review the application for compliance with fund regulations, including contribution history and project cost transparency. If approved, the company will receive a loan amount based on the project’s budget, typically up to 70% of total construction costs, with repayment terms extending up to 20 years.

The process prioritizes projects that align with local affordable housing policies and demonstrate strong financial viability. Data from the China Housing Provident Fund Corporation (2022) shows that corporate self-built home loans accounted for 18% of total HPF loans in 2021, supporting 220,000 units nationwide. This reflects the government’s emphasis on encouraging corporate investment in affordable housing while stabilizing the construction sector. Additionally, a 2023 report by the National Bureau of Statistics highlights that HPF loans for corporate projects reduced average home prices in participating cities by 4.2%, underscoring their role in curbing housing inflation. By linking loan eligibility to employee contribution rates and project transparency, the system ensures fiscal responsibility while fostering public-private partnerships in housing development. This approach balances regulatory oversight with market flexibility, making it a sustainable model for addressing urban housing shortages.