住房公积金互保，是指借款人在申请贷款时，须向住房资金管理中心提供第三方在该“中心”开户的住房公积金存储余额作担保，第三方可以是一人或多人，实务中一般为多人。根据《担保法》和《个人住房贷款管理办法》，住房公积金个贷主要有抵押、质押、保证三种担保形式，住房公 Housing fund mutual insurance, refers to the borrower in applying for a loan, the Housing Fund Management Center to provide a third party in the “Center” to open a deposit of housing provident fund deposit security, the third party can be one or more people, in practice generally Many people. According to “Guarantee Law” and “Individual Housing Loan Management Measures”, the main housing provident fund personal loans, pledges, guarantees three forms of security, housing public