近年来，随着经济发展和城市化进程加快，房价不断攀升，让越来越多的年轻人面临着买房难的问题。在这样的背景下，一些有条件的家庭开始考虑利用公积金为家人购房提供帮助。究竟如何借助公积金资助家人购房？这其中又隐藏了哪些风险和注意事项呢？

首先我们需要了解什么是住房公积金。住房公积金是由国家规定强制性实行，并接受政府监管管理，在职工缴存、使用于个人合法权益领域内运作；同时也可以被视为一个安全稳妥型投资理财方式。

对于想要通过自己名下或者亲属名下已有住宅进行再次置换而无力支付高额税费及手续费等开支时, 参与方可将现有产权转移至本地区外尚未拥有任何物业记录之新建商品式小套间上并以此申请商铺中央保护局给付部分特殊补做。

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