On June 8, 2026 the Guangzhou Housing Provident Fund Management Center issued
revised individual loan rules adding denied-loan scenarios: properties with
incomplete building structure or that cannot be freely listed/traded (excluding
for‑sale subsidized housing); properties on which a right of residence has been
established; purchases between applicants and parents, children or current
spouses; purchases between applicants and former spouses within one year of
divorce; and repeat provident‑fund loan applications by the same borrower on the
same property. The changes aim to curb hard‑to‑sell assets, fake transactions
and divorce‑based loan extraction, close operational loopholes and protect
provident fund assets.
