Xi'an Housing Provident Fund Management Center issued a notice widening
withdrawal scope, effective Sept. 20, 2026. Renovation: for owner-occupied homes
in Xi'an bought within the past 1 year (inclusive) or held as owner-occupied for
at least 15 years, owners and their spouses may make a one-time withdrawal of
their provident fund balance to pay renovation costs for one residence; amount
is calculated at 1,500 yuan per sq. meter (certificate area), capped at 200,000
yuan. Property fees: owners and spouses may apply once every 12 months to
withdraw funds to pay annual property-management fees for one residence; caps
are 3,000 yuan/year for ≤90 sq. m and 4,000 yuan/year for >90 sq. m.
Dilapidated-house renewal: owners in Xi'an who meet renewal criteria, plus their
spouses, parents and children, may withdraw funds to cover renewal costs up to
actual renovation expenses.
