Nanchang Optimizes Housing Provident Fund Usage Policies: New Provision for Property Management Fee Withdrawal and Increase in Loan Multiplier

On June 2nd, the Nanchang Housing Provident Fund Management Center issued the "Notice on Adjusting and Optimizing the Housing Provident Fund Usage Policy" (Hong Fang Gong [2026] No. 21), optimizing the housing provident fund usage policy in four aspects: property fee withdrawal, commercial loan withdrawal method, loan amount calculation, and support for green and energy - efficient residential buildings.

It is reported that this policy newly adds the withdrawal for self - owned housing property fees. Employees who contribute to the housing provident fund and their spouses, who have obtained the real estate ownership certificates of self - owned housing within the administrative region of Nanchang, can withdraw the housing provident fund once a year to pay property management fees, with an annual withdrawal limit of 2,000 yuan. At the same time, the withdrawal method for repaying the principal and interest of personal housing commercial loans has been optimized from annual withdrawal to entrusted monthly withdrawal.

In addition, the multiple in the calculation formula for the housing provident fund loan amount has been adjusted from 30 times to 40 times. After the adjustment, the formula is: Loan amount = (the balance of the borrower's provident fund account + the balance of the co - borrower's provident fund account) × 40 times × contribution time coefficient × remaining contribution years coefficient. For employees who contribute to the housing provident fund and purchase green and energy - efficient commercial residential buildings such as star - rated green buildings and prefabricated buildings that meet the standards, the maximum loan amount can be increased by 10%, and this can be used in combination with other policies for increasing the loan amount.

This article is from Viewpoint Network and is published by 36Kr with authorization.