05-003 · EVIDENCE A · SOURCE-SENSITIVE
Housing provident fund isn’t just for buying a home: it can be used for renting, home renovations, and paying property taxes, effective from September 20, 2026 under new regulations
公积金不只用来买房：租房、装修、物业费都能提，2026 年 9 月 20 日起按新条例办
No cost at all. You only need to complete the withdrawal application once.
The housing provident fund isn’t limited to home purchases. The new regulations list nine eligible scenarios for withdrawals, including renting, renovating a personal residence, and paying property taxes. Once you submit an application, the housing provident fund authority must respond within three days whether your request is approved or not.
A
Move “Housing provident fund isn’t just for buying a home: it can be used for renting, home renovations, and paying property taxes, effective from September 20, 2026 under new regulations” to Future Me's calendar
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What the source says
The source summarizes the return this way: “The housing provident fund isn’t limited to home purchases. The new regulations list nine eligible scenarios for withdrawals, including renting, renovating a personal residence, and paying property taxes. Once you submit an application, the housing provident fund authority must respond within three days whether your request is approved or not.” Evidence grade A. The original states the population, caveats, and sources; this is not a personal forecast.
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THE ENGLISH EDITION
Original recommendation and evidence
3. Housing provident fund isn’t just for buying a home: it can be used for renting, home renovations, and paying property taxes, effective from September 20, 2026 under new regulations
Cost: No cost at all. You only need to complete the withdrawal application once.
In plain terms: The housing provident fund isn’t limited to home purchases. The new regulations list nine eligible scenarios for withdrawals, including renting, renovating a personal residence, and paying property taxes. Once you submit an application, the housing provident fund authority must respond within three days whether your request is approved or not.
Benefit: The updated regulations expand eligible withdrawal scenarios to nine total. These include covering rental payments, funding home renovations, and paying property taxes for a residence you own. The housing provident fund authority must issue a decision on your application within three days of receiving it, either granting or denying the withdrawal request.
Evidence grade: A
Sources: State Council of China (2026). State Council of China's decision on amending the "Housing Provident Fund Management Regulations" (State Council of China Order No. 844, passed at the 93rd executive meeting of the State Council of China on July 31, 2026, "effective from September 20, 2026"): Revised Article 24 "If employees have one of the following circumstances, they can withdraw the balance in the employee housing provident fund account: " Article 25 "The Housing Provident Fund Management Center shall make a decision on whether to allow withdrawal or not within 3 days from the date of accepting the application"; Article 18 "The payment ratio shall not be less than 5% of the employee's average monthly salary in the previous year". <https://www.gov.cn/gongbao/2026/issue_12946/202608/content_7079363.html>
Notes: The funds in your account consist of your own salary contributions plus matching contributions from your employer. If left untouched, these funds earn only a very low rate of interest. The regulations also specify that in cases of employee death or declared death, heirs and legal beneficiaries may withdraw the full account balance. Exact required documents and application procedures are determined locally by each regional housing provident fund authority, so be sure to check your local guidelines before applying.
Source links
- 国务院 (2026). 国务院关于修改《住房公积金管理条例》的决定（国务院令第 844 号，2026 年 7 月 31 日国务院第 93 次常务会议通过，「自2026年9月20日起施行」）：修改后第二十四条「职工有下列情形之一的，可以提取职工住房公积金账户内的存储余额：（一）支付房租的
- （二）购买、建造、翻建、大修自住住房的
- （三）偿还购房贷款本息的
- （四）装修自住住房的
- （五）支付自住住房物业费的
- （六）离休、退休的
- （七）完全丧失劳动能力，并与单位终止劳动关系的
- （八）出境定居的
- （九）国务院批准的其他住房消费情形。」
- 第二十五条「住房公积金管理中心应当自受理申请之日起3日内作出准予提取或者不准提取的决定」
- 第十八条缴存比例「均不得低于职工上一年度月平均工资的5％」. ↗
- Pinned original chapter on GitHub ↗
Read the complete Chinese source and notes
3. 公积金不只用来买房：租房、装修、物业费都能提，2026 年 9 月 20 日起按新条例办
成本: 不花钱。去办一次提取手续就行。
说人话: 公积金不是只有买房才能动。新条例把能提取的情况列了九项，租房、装修自己住的房子、交物业费都算在里面。你交了申请，公积金中心要在 3 天内答复你准不准提。
收益: 修改后的条例把可以提取的情况列到九项。其中包括：支付房租，装修自己住的房子，支付自己住的房子的物业费。公积金管理中心要从受理你申请那天算起，3 日内作出准予提取或者不准提取的决定
证据等级: A
来源: 国务院 (2026). 国务院关于修改《住房公积金管理条例》的决定（国务院令第 844 号，2026 年 7 月 31 日国务院第 93 次常务会议通过，「自2026年9月20日起施行」）：修改后第二十四条「职工有下列情形之一的，可以提取职工住房公积金账户内的存储余额：（一）支付房租的；（二）购买、建造、翻建、大修自住住房的；（三）偿还购房贷款本息的；（四）装修自住住房的；（五）支付自住住房物业费的；（六）离休、退休的；（七）完全丧失劳动能力，并与单位终止劳动关系的；（八）出境定居的；（九）国务院批准的其他住房消费情形。」；第二十五条「住房公积金管理中心应当自受理申请之日起3日内作出准予提取或者不准提取的决定」；第十八条缴存比例「均不得低于职工上一年度月平均工资的5％」. <https://www.gov.cn/gongbao/2026/issue_12946/202608/content_7079363.html>
备注: 账户里的钱是你自己的工资，加上单位给你配的那一部分。这笔钱放着不动，只按很低的利率算利息。条例还写明：职工死亡，或者被宣告死亡的，继承人和受遗赠人可以提取账户余额。办理要交哪些材料、具体怎么办，各地由当地公积金管理中心定。跑之前先查一下本地中心的办事指南。
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