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 Car Parking Spaces Can Now Be Withdrawn For, Plus Heating Fees and Property Management Fees Can Be Paid......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 temporary increase in the maximum loan amount, expanded support for “commercial to public” loan transfers, a temporary removal 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 withdrawal limits for rent, supporting withdrawals for heating costs, 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 withdrawals 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 will further strengthen in the future.

Shenyang Announces 5 New Housing Provident Fund Policies

On March 19, according to “Shenyang Release,” Shenyang held a press conference on optimizing and adjusting housing provident fund 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 meet rigid and diversified housing needs, and ensure stable housing for new residents and young people, the Housing Provident Fund Management Committee of Shenyang approved and implemented five policy adjustments regarding loans and withdrawals.

1. Temporarily increase 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 applying the new maximum loan limits and a 1.2x multiplier, the loan caps for individual, couple, and family contributions 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 see significant increases in their loan limits.

2. Expand the support scope for “commercial to public” loan transfers. To effectively benefit more groups, support new residents, young people, large families, and high-level talents applying for “commercial to public” loans, allowing the same groups to enjoy a loan amount increase of 1.3 to 4 times, based on their repayment ability and property prices.

Li Zan said that compared to previous policies, the loan limits for these key groups will be significantly increased, easing repayment pressure for first-time homebuyers.

3. Temporarily remove 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 payments and loan interest rates. This policy will benefit more home improvement groups.

4. Temporarily support depositors in purchasing parking spaces (garages). To meet full-scenario housing funding needs, starting March 15, depositors and their spouses can use their provident fund to buy their own residence within Shenyang’s administrative area, and for parking spaces or garages without property registration in the same community, they can withdraw funds within one year of purchase to pay for the parking space or garage, with a combined maximum withdrawal of 30,000 yuan for couples. For registered properties in the same community, support will follow existing policies for home purchase loans or withdrawals. Multiple parking spaces or garages for one property can be supported.

5. Increase the withdrawal limit for rent payments. To meet high-quality rental needs of new residents and young people, the rent withdrawal limit for single depositors without rental registration 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 said these five policies will be implemented from March 15, 2026, with parking space and garage withdrawal services starting from April 10, 2026. The policies to increase maximum loan amounts, remove loan count limits, and support parking space/garage purchases are temporary, valid until December 31, 2026. Moving forward, the Shenyang Housing Provident Fund Management Center will continue to optimize policies, expand the scope of 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. Increase withdrawal limits for rent. Employees who have contributed fully and continuously to the housing provident fund for at least three months, and who rent and live in Hohhot without their own property, can withdraw up to 14,000 yuan per person per year, increased by 30% to 18,200 yuan. Families with two or more children (multi-child families) can have their withdrawal limit increased by 50%, up to 21,000 yuan per person per year.

2. Support withdrawals for heating costs. Employees and their spouses who own their own homes in Hohhot can apply to withdraw heating costs for up to two properties, with the total annual withdrawal not exceeding the actual heating expenses paid for the heating season, starting from the 2025–2026 heating season.

3. Support withdrawals for property management fees. Employees and their spouses owning homes in Hohhot can withdraw property management fees for up to two properties, with the total annual withdrawal not exceeding the actual fees paid, starting from 2026.

4. Support withdrawals for residential special maintenance funds. Employees and their spouses, parents, or children who have purchased a home in Hohhot and hold property rights can apply to withdraw funds for residential maintenance during the ownership period, not exceeding the amount paid for such maintenance. The total withdrawal for the individual, spouse, parents, and children cannot exceed the actual maintenance costs paid.

5. Support withdrawals for deed taxes. Employees and their spouses, parents, or children who have purchased a home in Hohhot and hold property rights can apply to withdraw funds for deed taxes, with the total amount not exceeding the actual deed taxes paid during the ownership period.