用于提供贷款的资金来自于储蓄者集体的积累，主要组成部分为储蓄者的存款和还款。

Used to provide loan funds from savers collective accumulation, major components for the savings deposit and loan repayment.

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客户先要进行存款，即其须先为储蓄者集体做贡献，方能赢得储蓄者集体对其的回报，即其可于日后获得低利率的住房储蓄贷款。

Customers to deposit, which shall be for savers collective contribution, in order to win the savers collective on its return, which can be picked up later with low interest rates of housing loans.

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