Multiple Regions Optimize Housing Provident Fund Policies! Car Parking Spaces Can Now Be Withdrawn For, Plus Heating Fees and Property Management Fees Can Be Paid......

Recently, many regions have adjusted and optimized their housing provident fund policies.

On March 19, Shenyang announced new policies for the housing provident fund, including a phased increase in the maximum loan amount, expanded support for “commercial to public” loan conversions, a temporary suspension of the limit on the number of provident fund loans, support for depositors to purchase parking spaces (garages), and increased withdrawal limits for rent payments.

On March 13, Inner Mongolia adjusted its housing provident fund withdrawal policies, including increasing the withdrawal limit for rent, supporting withdrawals for heating fees, property management fees, residential special maintenance funds, and deed taxes.

According to incomplete statistics from the China Index Research Institute, since the beginning of this year, over 30 cities nationwide have adjusted and optimized policies related to the provident fund, making it an important tool for policy adjustments, optimization, and promoting housing consumption. Recently, many regions have focused on expanding the scope of provident fund withdrawal when adjusting loan policies.

The China Index Research Institute believes that broadening the use of provident fund withdrawals can effectively improve the efficiency of fund utilization, reduce residents’ housing purchase costs, and stimulate housing consumption. The trend of promoting housing consumption through policy adjustments to the provident fund will further strengthen in the future.

Shenyang Announces 5 New Provident Fund Policies

On March 19, according to “Shenyang Release,” Shenyang held a press conference on optimizing and adjusting housing provident fund usage policies.

Li Zan, Deputy Director of the Shenyang Housing Provident Fund Management Center, introduced that to further expand the scope of provident fund use, support investment in people and the construction of “good houses,” better support rigid and diversified improvement housing needs, and ensure housing for new residents and young people, the Shenyang Housing Provident Fund Management Committee has approved and implemented five policy adjustments regarding provident fund loans and withdrawals.

1. Phased increase in the maximum loan amount. Starting March 15, 2026, for employees who contribute solely to the housing provident fund, the maximum loan amount will be increased from 650,000 yuan to 900,000 yuan; for couples both contributing, from 850,000 yuan to 1.5 million yuan; for families with three or more members contributing jointly, from 1.05 million yuan to 2.1 million yuan.

Li Zan stated that after the new maximum loan limits are combined with a 1.2 times coefficient, the loan limits for single contributors, couples, and families will increase by approximately 25,000 to 105,000 yuan. Key groups such as new residents, young people, high-level talents, and families with multiple children will also see significant increases in their loan limits.

2. Expansion of “commercial to public” loan support. To effectively expand the benefit groups for “commercial to public” loans and support new residents, young people, families with multiple children, and high-level talents, these groups will enjoy a policy where the loan amount can be increased from 1.3 to 4 times the standard, depending on individual repayment ability and property prices.

Li Zan said that compared to the original policy, the loan limits for these key groups will be significantly increased, effectively reducing repayment pressure for first-time homebuyers.

3. Temporary suspension of the limit on the number of provident fund loans. From March 15, 2026, to December 31, 2026, if depositors purchase new homes or apply for “commercial to public” loans, and their family members have fully repaid previous provident fund loans, there will be no limit on the number of loans, and they can enjoy first-time home purchase down payment ratios and first-time loan interest rates. This policy will benefit more improvement-oriented homebuyers.

4. Phased support for depositors to purchase parking spaces (garages). To meet the full spectrum of housing funding needs, starting March 15, depositors and their spouses can use their provident fund to pay for parking spaces or garages in their residential community within Shenyang. If purchasing a space or garage without property registration in the same community within one year of buying a home, they can withdraw up to 30,000 yuan jointly. For spaces or garages with property registration, support will follow existing policies for home purchase loans or withdrawals. Support is also available for multiple properties, with one space or garage supported per home.

5. Increased withdrawal limits for rent payments. To meet the high-quality rental needs of new residents and young people, the rent withdrawal limit for single depositors who have not registered their rental agreements will be increased from 1,600 yuan/month to 2,000 yuan/month. Depositors who have already withdrawn under the original limit before the policy change will continue to withdraw at the new limit.

Li Zan explained that these five policies will be implemented from March 15, 2026, with parking space and garage withdrawal services starting from April 10, 2026. The policies on increasing the maximum loan amount, suspending loan limits, and supporting parking space purchases are temporary, valid until December 31, 2026. Moving forward, the Shenyang Housing Provident Fund Management Center will continue to optimize policy supply, expand the scope of provident fund use, and better meet residents’ diverse and full-scenario housing needs.

Inner Mongolia Adjusts Housing Provident Fund Withdrawal Policies

On March 13, Inner Mongolia adjusted its housing provident fund withdrawal policies.

1. Increased withdrawal limit for rent. Employees who have contributed fully and continuously to the housing provident fund for at least three months, and who have no self-occupied housing and rent for residence within Hohhot city, can withdraw up to 30% more than the annual limit of 14,000 yuan, increasing to 18,200 yuan per person per year. For families with two or more children, the withdrawal limit will be increased by 50%, up to 21,000 yuan per person per year.

2. Support for withdrawals to pay heating fees. Employees and their spouses who own self-occupied housing within Hohhot can apply to withdraw heating fees for up to two properties. The total annual withdrawal for both spouses cannot exceed the actual heating costs paid in that year, starting from the 2025–2026 heating season.

3. Support for withdrawals to pay property management fees. Employees and their spouses who own self-occupied housing within Hohhot can apply to withdraw property management fees for up to two properties. The total annual withdrawal cannot exceed the property management fees paid that year, starting from 2026.

4. Support for withdrawals to pay residential special maintenance funds. Employees and their spouses, parents, or children who have purchased self-occupied housing within Hohhot and hold property rights, and whose withdrawal period has not expired, can apply to withdraw housing provident funds to pay for residential maintenance funds. The total amount withdrawn by the individual, spouse, parents, or children cannot exceed the amount paid for maintenance funds.

5. Support for withdrawals to pay deed taxes. Employees and their spouses, parents, or children who have purchased self-occupied housing within Hohhot and hold property rights, and whose withdrawal period has not expired, can apply to withdraw housing provident funds to pay deed taxes. The total amount withdrawn by the individual, spouse, parents, or children cannot exceed the deed taxes paid.