China expands housing provident fund to cover flexible workers and new uses by 2030
On September 18, China’s MOHURD announced plans during the 15th Five-Year Plan (2026-2030) to expand housing provident fund coverage to self-employed and part-time workers, increase eligible withdrawal scenarios from six to nine (including home renovation and property management fees), simplify withdrawal procedures, shorten loan processing times, and strengthen fund safety through enhanced regulations and digital tools.
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China to Expand Housing Provident Fund Coverage to Flexible Workers During 15th Five-Year Plan
On September 18, Zhang Xuetao, Director-General of the Department of Real Estate Market Supervision at China's Ministry of Housing and Urban-Rural Development (MOHURD), announced at a State Council Information Office press conference that during the 15th Five-Year Plan period (2026-2030), the government will expand coverage of the housing provident fund system. The initiative aims to support individual business owners, part-time workers, and other flexibly employed individuals in making voluntary contributions to their housing provident funds. This move is intended to enhance the inclusiveness of the provident fund system and promote its high-quality development, according to the official statement reported by Cailian Press.
Read sourceChina's Housing Ministry Announces Measures to Strengthen Housing Provident Fund Safety
On September 18, Zhang Xuetao, Director of the Real Estate Market Supervision Department of China's Ministry of Housing and Urban-Rural Development, announced at a press conference hosted by the State Council Information Office that the ministry will implement multi-pronged measures to strengthen the safety defense line for the housing provident fund. These measures include enhancing institutional regulations, improving management mechanisms, and diversifying supervisory tools. The goal is to ensure the safety of housing provident fund assets. The announcement reflects the Chinese government's ongoing efforts to safeguard public housing funds amid broader real estate market adjustments.
Read sourceChina to Simplify Housing Provident Fund Withdrawals, Shorten Loan Times During 15th Five-Year Plan
On September 18, Zhang Xuetao, Director-General of the Department of Real Estate Market Supervision at China's Ministry of Housing and Urban-Rural Development, announced at a State Council Information Office press conference that during the 15th Five-Year Plan period (2026-2030), the government will improve the quality and efficiency of housing provident fund management services. Key measures include leveraging digital technology to simplify withdrawal procedures, shorten loan processing times, promote nationwide mutual recognition and trust of contribution records, and advance efficient handling of cross-regional services such as fund transfers and continuation. The announcement signals a continued policy push to streamline housing finance and support labor mobility in China.
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China to Expand Housing Provident Fund Use for Rent, Purchase, and Home Maintenance
On September 18, Zhang Xuetao, Director of the Real Estate Market Supervision Department at China's Ministry of Housing and Urban-Rural Development, announced at a State Council Information Office press conference that during the 15th Five-Year Plan period (2026-2030), the scope for withdrawing housing provident fund contributions will be expanded. The eligible withdrawal scenarios will increase from six to nine, adding common daily needs such as home renovation and payment of property management fees. The official stated that further efforts will be made to leverage the housing provident fund's role in supporting rental housing, home purchases, repairs, and maintenance, aiming to serve housing consumption throughout the entire life cycle. This policy shift is intended to boost housing-related spending and support the real estate market.
Read sourceChina to Simplify Housing Provident Fund Withdrawals, Shorten Loan Times in 15th Five-Year Plan
On September 18, Zhang Xuetao, Director of the Real Estate Market Supervision Department at China's Ministry of Housing and Urban-Rural Development, announced at a State Council Information Office press conference that during the 15th Five-Year Plan period (2026-2030), the government will improve the quality and efficiency of housing provident fund management and services. Key measures include simplifying withdrawal procedures and shortening loan processing times through digital empowerment. The ministry also plans to promote nationwide mutual recognition and trust in contribution records, and advance efficient handling of housing provident fund transfers and cross-regional loans. The announcement was reported by Jin10 Data and e-Company.
Read sourceChina's MOHURD to Expand Housing Provident Fund Use for Renting, Buying, Repairs
On September 18, Zhang Xuetao, Director-General of the Real Estate Market Supervision Department at China's Ministry of Housing and Urban-Rural Development (MOHURD), announced at a State Council Information Office press conference that during the '15th Five-Year Plan' period, the scope of housing provident fund withdrawals will be expanded. The number of eligible withdrawal scenarios has increased from six to nine, now including home renovation and property management fees. In the next phase, MOHURD will further leverage housing provident funds to support renting, purchasing, repairing, and maintaining homes, aiming to ensure these funds serve housing consumption throughout the entire life cycle. The announcement signals a policy shift to broaden the utility of housing provident funds beyond traditional home purchases.
Read sourceChina's MOHURD to Expand Housing Provident Fund Coverage for Flexible Workers During 15th Five-Year Plan
On September 18, Zhang Xuetao, Director of the Real Estate Market Supervision Department of the Ministry of Housing and Urban-Rural Development (MOHURD), announced at a State Council Information Office press conference that during China's 15th Five-Year Plan period (2026-2030), the government will promote high-quality development of housing provident funds. The coverage of the housing provident fund system will be expanded to include self-employed individuals, part-time workers, and other flexibly employed persons, allowing them to voluntarily contribute to their housing provident funds. This initiative aims to further enhance the inclusiveness of the provident fund system, extending benefits beyond traditional salaried employees to a broader segment of the workforce.