Translated by Claude, edited by Sinocism.com
Source: Xinhua | August 18, 2026
Xinhua, Beijing, August 18
新华社北京8月18日电
State Council Decision on Amending the Housing Provident Fund Management Regulations
国务院关于修改《住房公积金管理条例》的决定
The State Council has decided to amend the Housing Provident Fund Management Regulations as follows:
国务院决定对《住房公积金管理条例》作如下修改：
1. In Article 1, after “safeguarding the lawful rights and interests of the owners of housing provident funds,” add “better meeting diversified housing consumption needs.”
一、在第一条中的“维护住房公积金所有者的合法权益”后增加“更好满足多样化住房消费需求”。
2. Article 5 is revised to read: “Housing provident funds shall be withdrawn and used in accordance with the provisions of these Regulations; no unit or individual may divert them to other uses.”
二、将第五条修改为：“住房公积金应当依照本条例的规定提取和使用，任何单位和个人不得挪作他用。”
3. Article 6 is revised to read: “Deposit and lending interest rates for housing provident funds shall be determined by the State Council.”
三、将第六条修改为：“住房公积金的存、贷利率由国务院决定。”
4. One item is added to Article 9 as item (7): “(7) Approving applications for the write-off of bad debts in housing provident funds.”
四、第九条增加一项，作为第七项：“（七）审批住房公积金呆账核销申请”。
5. Article 18 is revised to read: “The housing provident fund contribution ratios of both the employee and the unit shall not be lower than 5% of the employee's average monthly wage for the preceding year, and shall not be higher than the maximum contribution ratio prescribed by the State. Specific contribution ratios shall be drafted by the housing provident fund management committee, reviewed by the people's government at the corresponding level, and submitted for approval to the people's government of the province, autonomous region, or municipality directly under the Central Government.”
五、将第十八条修改为：“职工和单位住房公积金的缴存比例均不得低于职工上一年度月平均工资的5%，不得高于国家规定的最高缴存比例。具体缴存比例由住房公积金管理委员会拟订，经本级人民政府审核后，报省、自治区、直辖市人民政府批准。”
6. Article 23 is revised to read: “Housing provident funds contributed by units for their employees shall be entered into the relevant costs and expenses in accordance with regulations; State organs and public institutions shall list them as budget expenditures.”