In recent days, there have been multiple awards of the provident fund
Notification of use policy
Since april, some areas have expanded the scope of the provident fund
Remove the limit on the number of withdrawals of the provident fund
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Zhejiang hangzhou
Increase in loan ceilings
With effect from 1 april 2026, the maximum amount of the housing provident fund loan was raised from 1. 3 million yuan to 1. 8 million yuan, and the individual loanable amount for employees was not more than 900,000 yuan。
The calculation of the individual loanable value of the housing pension workers was adjusted from 15 to 20 times。
The loan lines of some of the population rise
New citizens and young people's family loans can be determined on the basis of a 20 per cent increase in the total amount available at the time the family applies for loans。
Loan lines for families with many children can be determined on the basis of a 50 per cent increase in the total amount available at the time the family applies for loans。
Optimizing the withdrawal of the provident fund
The balance of the account of the housing provident fund may be withdrawn by the employee and his/her spouse at one time to pay for the tax on the house purchased, in a sum not exceeding the amount actually paid。
Employees and their spouses may draw from the housing provident fund to pay for the cost of their own housing in the municipality's administrative area, and they may draw on the actual cost of one dwelling in the family name once a year, for a total amount not exceeding $10,000。
Gansuland
Timing, frequency, volume adjustments
The time limit for extraction was adjusted from “one withdrawal per year” to “one withdrawal or one withdrawal per year”, without limiting the number of withdrawals in the year。
The withdrawal was increased from a “ceiling maximum of $10,000 per person per year” to a “ceiling maximum of $20,000 per person per year”。
The drawing of the housing provident fund for “other housing consumption” is not limited by the existence of a record of withdrawal in the year and may continue in other circumstances in the year following withdrawal. It should be noted that those with outstanding housing fund loans at the centre can only reimbursing their loans and cannot be drawn from “other housing consumption”。
This adjustment was effective from 7 april 2026 until 6 april 2027。
Shenzhen, guangdong
Workers may voluntarily increase their personal contributions
With effect from 1 april 2026, the contribution rate of the individual employee's housing reserve is in principle the same as that of the unit for which the contribution was made. Any voluntary increase in the contribution rate may be selected to be higher than that of the unit for which the contribution was made, but not to exceed the ceiling set by the state。
The housing provident fund shall be maintained at the interest rate established by the state for the deposit of the housing provident fund from the date it is deposited in the employees ' housing provident fund account。
Sichuan chengdu
Limitation on the number of phased cancellations
From 25 march 2026 to 31 december 2026, the number of phased cancellations was limited. During the life of the policy, depositors no longer review the use of historical provident fund loans when applying for such loans. As long as there are no outstanding provident fund loans under the name, the fund can be re-applied。
Optimization of volume, frequency of withdrawal of major diseases
Increase in withdrawal: if the person making the contribution fulfils the conditions for withdrawal of a major illness, the person may apply for full withdrawal of the available balance of the personal housing fund account。
Optimization of the frequency of withdrawal: the contributor may apply for withdrawal within one year from the date of payment of medical expenses, without limitation of the frequency of withdrawal。
Support for intergenerational withdrawal: if the person making the deposit, or his/her spouse, parents, children, is suffering from a serious illness, the full amount of the balance available in the individual housing fund account may be requested. This notification became effective on 25 march 2026。
Jiangsu xuzhou
Optimizing extraction policy
As of 1 april 2026, support was provided for the drawing of the public housing fund to pay the lease tax。
Support is provided for the drawing up of the housing reserve fund to finance specialized residential maintenance。
To ease the payment of property and heating costs. The ceiling on withdrawals was raised from $8,000 to $10,000 per year, and outstanding provident fund loans could also be processed。
Increase in rental rates. The ceiling for renting is $18,000 per person per year, and the maximum for each spouse is $36,000 per year。
