Nasfund, a little help on housing loans

COULD Nasfund clarify why employer’s contributions cannot be loaned to the contributor for housing loans?
When a contributor retires, he would be paid both contributions anyway.
It would be wise and fair to consider loaning at least 50% of the employer’s contribution, especially for the first housing loan.
With the never-ending surge of rentals, the majority cannot afford them.
It would be good if Nasfund could change it a policies to accommodate this  to enable many “small” contributors to build a descent home.

Bryan Yapa
Lae