Tianjin has introduced a convenience measure allowing eligible contributors,
their spouses and both parents to make a one‑time withdrawal from housing
provident fund accounts to cover downpayments on presale homes. Eligibility
requires purchase of presale housing within Tianjin using a housing provident
fund (combined) loan or a commercial mortgage; the presale project must have the
downpayment‑withdrawal service enabled by the Tianjin Housing Provident Fund
Management Center. If the buyer and spouse have no property and no mortgage
record, they may also simultaneously withdraw from both parents' provident fund
accounts.
