JC Master News | Major New Policy for Nanjing Housing Provident Fund! Effective immediately!
Release Date:
2026-04-17
Today (April 16), the Nanjing Housing Provident Fund…
Issuance of the “Notice on Optimizing the City’s Housing Provident Fund Usage Policies”
Involves housing provident fund loans, loan repayments, and related matters.
The editor has compiled the key points for you.
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Notice on the Optimization of Nanjing’s Housing Provident Fund Usage Policies in This Municipality
Source of information:
①https://gjj.nanjing.gov.cn/zwgk/tzgg/202604/t20260415_5824364.html
②https://gjj.nanjing.gov.cn/zwgk/tzgg/202604/t20260415_5824360.html
⏩ Policy implementation period:
This shall take effect from the date of its promulgation. Valid until December 31, 2028. 。
Key points are as follows↓
01
Reduce the minimum balance maintained in the individual housing provident fund account for the monthly withdrawal service to repay the loan.
The minimum retained balance in the individual housing provident fund account for the monthly withdrawal‑and‑repayment service. Reduced from 12 times the monthly housing provident fund contribution of the contributor to 6 times.
Following the adjustment, the contributor may make a one-time supplementary withdrawal, with the withdrawal amount not exceeding the difference between the balance in the individual housing provident fund account at the time of signing the monthly repayment‑by‑deduction agreement and six times the contributor’s monthly housing provident fund contribution at that time.
⏩Instructions:
✅ Adjustment method for the monthly entrusted withdrawal agreement for loan repayment:
Effective April 16, 2026, for newly executed housing provident fund monthly repayment‑by‑withdrawal agreements, the retained balance will be set at six times the contributor’s monthly housing provident fund contribution amount as of the date of agreement signing. For agreements already in effect as of April 16, 2026 (excluding that date), a uniform adjustment pursuant to this policy will take effect automatically starting May 1, 2026.
Following the adjustment, the contributor may make a one-time supplementary withdrawal, with the withdrawal amount not exceeding the difference between the balance in the individual housing provident fund account at the time of signing (or amending) the monthly repayment‑by‑withdrawal agreement and six times the monthly contribution amount. Moreover, after the withdrawal, the remaining balance in the housing provident fund account must be no less than six times the contributor’s monthly contribution amount as of the date the valid agreement was signed.
✅ Ways to use funds that can be additionally withdrawn from an individual’s housing provident fund account:
For agreements that have been signed and remain valid as of April 16, 2026 (excluding that date), with respect to the supplementary withdrawal funds in the individual housing provident fund account, contributors may independently choose one of the following methods of use:
A one-time supplementary withdrawal may be processed:
Specific withdrawable amount: Starting April 17, 2026, you can log in to the “Nanjing Housing Provident Fund” app and access the “Monthly Repayment Supplementary Withdrawal” section to check your status, or receive an automatic notification from the system when processing a supplementary withdrawal.
May be retained in the individual housing provident fund account:
① Used to add a monthly repayment mandate. If the contributor’s monthly contribution is less than the loan’s monthly repayment amount, starting May 1, 2026, the system will automatically use any available supplementary withdrawal funds to make additional monthly loan‑repayment deductions, continuing until such funds are fully exhausted.
② Stored in the individual housing provident fund account. At present, the interest rate on funds retained in individual housing provident fund accounts is set at the benchmark rate for one-year fixed deposits in China (1.5%). The Housing Provident Fund Management Center settles the annual interest as of June 30 each year and credits it to the contributor’s personal account, where it is automatically rolled over.
✅ Processing time for supplementary withdrawals:
Supplementary extraction Processing will commence on May 7, 2026. 。
Contributors who intend to apply for supplementary withdrawals between May 7 and June 30, 2026, must, starting April 17, 2026, do so through… Nanjing Housing Provident Fund App Make a reservation in the “Monthly Loan Repayment Supplementary Withdrawal Reservation” section. After a reservation is successfully conofficeed, the procedure must be completed on the scheduled appointment date. If no reservation is made by June 30, 2026, or if the procedure is not carried out on the appointed date, the contributor may submit an online application for supplementary withdrawal between July 1, 2026, and June 30, 2027. After July 1, 2027, such applications may be processed at a housing provident fund service outlet.
✅ Procedures for processing supplementary withdrawals:
Contributors who meet the eligibility criteria may log in to the “Nanjing Housing Provident Fund” app, access the “Monthly Loan Repayment Supplementary Withdrawal” section, and complete the withdrawal process without submitting any additional documents. Upon successful processing, the withdrawn funds will be credited to the contributor’s personal bank account within three business days.
☀Editor’s note: Scan the QR code below to follow. Nanjing Ben Di Bao , reply with [ in the backend dialog box Housing Provident Fund 】You can access the latest Nanjing housing provident fund policies, loan application guidelines, and procedures for handling housing provident fund matters, among other resources.
02
Optimizing intergenerational mutual assistance through the use of housing provident funds
If the homebuyer does not meet the eligibility requirements for a housing provident fund loan, or if the loan amount eligible under the housing provident fund falls short of the household’s maximum loan limit, Supports their parents (or children) in applying for a housing provident fund loan as co-borrowers. 。
If the buyer’s parents (or children) withdraw housing provident fund to pay the down payment for a home purchase, they may also use the housing provident fund to repay that housing loan (including monthly repayment by entrustment).
The “Detailed Rules for the Implementation of Regulations on Optimizing the Relevant Provisions Concerning the Withdrawal of Housing Provident Fund in Nanjing to Pay for Home Purchases” (Nanjing Housing Provident Fund Administration Regulation No. 1 [2023]) (revised in 2025) The validity period has been extended to December 31, 2028.
✅ Support intergenerational mutual assistance through housing provident fund loans.
Conditions for intergenerational mutual aid loans:
Homebuyers who fall into one of the following three categories may apply for an intergenerational mutual‑assistance housing provident fund loan:
At this time, your individual housing provident fund contribution period does not meet the eligibility requirements for applying for a housing provident fund loan.
The loan amount eligible for the contributor’s housing provident fund does not reach the city’s household‑level maximum.
Students enrolled in colleges, universities, and vocational schools who have reached the age of 18.
Requirements for intergenerational mutual aid loans:
As a borrower under the housing provident fund loan program, the homebuyer must meet the eligibility criteria for individual housing loans.
The parents or children of the homebuyer, who have made regular, continuous contributions to the housing provident fund for at least six months, have no outstanding housing provident fund loans nationwide, and have not entered into a monthly repayment agreement with the housing provident fund, may apply for a loan as co-borrowers.
Rules for intergenerational mutual aid loans:
Loan amount. The maximum loan amount for intergenerational mutual assistance loans is capped at the city’s maximum housing provident fund loan limit for households, namely: 1 million yuan. Applicants who meet the city’s eligibility criteria for stacking housing provident fund loan limits may have their loan amounts calculated on a stacked basis.
Loan term. The actual loan term for intergenerational mutual‑assistance loans is determined by the longest eligible term among the borrowers (including co‑borrowers).
Loan repayment. The borrower (the homebuyer and their spouse) and any co-borrowers shall jointly assume responsibility for repaying the loan.
Loan repayment withdrawal. Co-borrowers under an intergenerational mutual assistance loan may withdraw from their housing provident fund to repay that housing loan (including the monthly automatic repayment arrangement).
✅ Supports intergenerational mutual assistance, extending from covering the down payment to financing mortgage repayments.
Effective April 16, 2026, when the buyer’s parents or children apply to withdraw housing provident fund to pay the down payment for a home purchase, and if the purchased property is subject to a housing loan, the buyer’s parents or children may, in accordance with local regulations, withdraw their housing provident fund to repay that housing loan, including through the monthly entrusted repayment arrangement.
03
Expand the scope of out-of-city housing provident fund loans to cover the entire Anhui Province.
On the basis of the existing 17 cities in Jiangsu and Anhui, The scope of cross-city housing provident fund loans has been expanded to cover the entire territory of Anhui Province. Homeowners in all 29 cities across Jiangsu and Anhui provinces may apply for a housing provident fund loan from the Nanjing Housing Provident Fund Management Center when purchasing a home in Nanjing.
Housing provident fund contributors in Nanjing who purchase self-occupied housing in cities across Anhui Province may, by analogy with the relevant policies applicable to home purchases in Nanjing, apply for withdrawals of their housing provident funds for home purchase and for loan repayment. It is not subject to restrictions based on the depositor’s place of employment or registered domicile.
✅ Operating Instructions
1. Scope of Business.
Building on the existing cross‑city housing provident fund loan network—covering Wuxi, Xuzhou, Changzhou, Suzhou, Nantong, Lianyungang, Huai’an, Yancheng, Yangzhou, Zhenjiang, Taizhou, Suqian, Wuhu, Ma’anshan, Chuzhou, and Xuancheng—the scope has been expanded to include Hefei, Bengbu, Huainan, Huaibei, Tongling, Anqing, Huangshan, Fuyang, Suzhou, Lu’an, Chizhou, and Bozhou in Anhui Province. Accordingly, housing provident fund contributors from all cities in Jiangsu and Anhui Provinces may apply for a housing provident fund loan through the Nanjing Housing Provident Fund Management Center when purchasing a home in Nanjing.
2. Policy extraction.
Housing provident fund contributors in Nanjing who purchase self-occupied housing in cities across Anhui Province may, in accordance with the relevant policies applicable to home purchases in Nanjing, withdraw their housing provident funds for home purchase and loan repayment, without being subject to restrictions based on their place of employment or household registration.
3. Processing Method.
Applicants seeking out-of-city housing provident fund loans may obtain a “Personal Housing Provident Fund Service Electronic Code” through the WeChat mini-program “National Housing Provident Fund Public Service” and submit their application to the bank handling housing provident fund loan services. The eligibility criteria, application procedures, loan amounts, down‑payment ratios, and post‑loan management for out-of-city housing provident fund loans shall be governed by the “Nanjing Municipal Housing Provident Fund Implementation Measures for Individual Housing Loans in the Nanjing Metropolitan Area” and relevant regulations.
04
Increase support for housing provident fund loans for active-duty and retired military personnel.
Active-duty military personnel during their period of service (including non‑active‑duty civilian personnel who enjoy the same benefits as active‑duty service members) and retired military personnel. Within six months (inclusive) after retirement, it shall be deemed that the individual has made continuous contributions to the housing provident fund. When purchasing a home in Nanjing, you may apply for a housing provident fund loan as the primary borrower, subject to the maximum individual housing provident fund loan limit.
✅ Operating Instructions
1. Service Recipients
Active-duty military personnel (including non‑active‑duty civilian staff who enjoy the same benefits as active-duty service members) who have been discharged for no more than six months (inclusive) and have no record of local housing provident fund contributions shall be deemed to have made continuous housing provident fund contributions.
2. Required Documents
Provide valid identification documents, including an ID card, military ID, proof of discharge from active duty, and documentation conofficeing that there are no outstanding loans under the military housing provident fund.
3. Loan Amount
When purchasing a home in Nanjing, you may apply for a mortgage as the primary borrower, or have your spouse participate in the calculation of the loan amount as the primary borrower’s spouse. The housing provident fund loan amount shall be subject to the city’s maximum individual housing provident fund loan limit. For those who have already made contributions to the housing provident fund after discharge from military service, the applicable provisions currently in force in this city shall apply.
05
Relaxing the conditions for withdrawing housing provident fund to cover major illnesses
The contributor himself/herself, as well as the spouse, parents, and children. If, in the year of medical treatment for an illness, the individual’s expenses meet the payment threshold for Nanjing’s employee and resident serious‑illness insurance, the contributor may apply to withdraw housing provident fund on an annual basis. , the withdrawal amount shall not exceed the individual’s share of that year’s medical expenses.
✅ Operating Instructions
1. Extraction conditions.
According to the “Notice on Adjusting Relevant Policies for Employee and Resident Critical Illness Insurance” (Ning Yi Fa [2023] No. 104), if medical expenses incurred due to illness meet the payment threshold for critical illness insurance—specifically, if the detailed medical expense statement of the insured person shows a payment amount under the critical illness insurance category—eligible individuals may apply to withdraw funds.
2. Extraction scope.
The patient, their spouse, parents, and children are all eligible to make withdrawals.
3. Withdrawal limit.
Total Withdrawal The amount shall not exceed the individual’s share of annual medical expenses.
4. Application Procedure.
The contributor may, upon presenting the medical expense statement for the current or preceding year issued by the medical insurance agency, their own identification, and documentation establishing their relationship to the patient, visit a branch of the housing provident fund‑depositing bank to process a withdrawal, with no limit on the number of withdrawals.
( Reposted from: Nanjing Ben Di Bao)
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