Zibo (Shandong) rolled out housing provident fund policy changes aimed at
boosting housing consumption and supporting rigid and improved demand.
Withdrawal scope widened: down-payments and owner-occupancy withdrawals may now
mobilize funds from a buyer’s spouse, both parents and children; withdrawals
permitted for elderly elevator replacement in old buildings. Lending-side
relaxations include reduced counted housing units for multi-child households,
buyers of high-quality or existing homes, and trade-in upgrades; trade-in
replacement may exempt one prior loan record. The cap on combined second‑hand
property age plus loan term is raised to 50 years and the prior lending ban on
homes >300 sqm is removed. New loan extension/rescheduling services added.
Flexible‑employment residents can access commercial‑to‑public‑fund and
commercial‑to‑group loan conversion channels. Measures are intended to lower
household purchase and repayment costs.
