Provident Fund Withdrawal Calculator: 7 Cities, 6 Scenarios
Check housing provident fund withdrawal limits for Beijing, Shanghai, Guangzhou, Shenzhen and 3 more cities. Covers 6 withdrawal scenarios — home purchase, loan repayment, rental, resignation, serious illness and retirement — with required materials and frequency rules.
Overview
Many people are unsure how to withdraw from their housing provident fund account. This tool covers 7 major Chinese cities (Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Chengdu, Wuhan) and 6 common withdrawal scenarios. It instantly shows the maximum withdrawal amount, annual limit, allowed frequency and required materials — all computed locally in your browser.
How to use
- Select the city where your provident fund is registered (7 cities available).
- Choose your withdrawal scenario (Purchase / Repayment / Rental / Resignation / Illness / Retirement).
- Enter your account balance and scenario-specific amounts (property price, rent, medical expenses, etc.).
- Results instantly show the maximum withdrawal, annual limit, frequency and required documents.
Formula
1. Home Purchase: withdrawal = min(balance, contract price × city ratio) Beijing/Shanghai/Hangzhou ratio 100%; Guangzhou/Shenzhen/Chengdu/Wuhan 90% 2. Loan Repayment: annual limit = min(annual payments, city annual cap, balance) Beijing: city cap = monthly contribution × 12 Shanghai: up to actual repayment receipts, quarterly installments allowed 3. Rental: annual limit = min(annual rent, city rental cap, balance) Beijing fixed ¥18,000/yr; Shanghai fixed ¥24,000/yr Guangzhou/Shenzhen/Hangzhou/Chengdu/Wuhan: cap = personal annual contribution 4. Resignation: full balance if local hukou or locally purchased; restricted cities allow only personal portion (~50%) for non-local without property 5. Serious Illness: withdrawal = min(out-of-pocket medical expenses, balance) 6. Retirement: full balance withdrawn upon reaching statutory retirement age
Common scenarios
Scenario 1 · Beijing purchase clears the full account
Beijing allows a one-time full-balance withdrawal for home purchase. After withdrawal the account balance is zero and no further purchase-based withdrawal is allowed in the same year.
Scenario 2 · Shanghai rental monthly withdrawals
Shanghai's rental cap is ¥24,000/year. You may withdraw monthly (¥2,000/mo) or as a lump sum. If actual annual rent is below ¥24,000, the actual rent figure applies.
Scenario 3 · Guangzhou/Shenzhen resignation for non-locals
In Guangzhou and Shenzhen, non-local residents who have not purchased property locally may only withdraw their personal contribution portion (~50% of balance). Purchasing property locally removes this restriction.
FAQ
What documents do I need for a home-purchase withdrawal? How is the amount calculated by city?
Core documents: ID card, signed purchase contract (registered online), purchase invoice or property certificate, bank card. Calculation: Beijing/Shanghai/Hangzhou allow up to 100% of contract price; Guangzhou/Shenzhen/Chengdu/Wuhan allow up to 90%. Final amount cannot exceed account balance.
What is the annual repayment-withdrawal cap? What documents are required?
Beijing: monthly contribution × 12 (not exceeding actual annual payment), once per year. Shanghai: based on actual repayment receipts, quarterly installments allowed. Other cities: annual repayment amount is the cap. Documents: ID, loan contract, recent repayment statement, property certificate, bank card.
What are the annual rental withdrawal limits for each city?
Beijing: fixed ¥18,000/year, once a year. Shanghai: fixed ¥24,000/year, monthly or annually. Guangzhou/Shenzhen/Hangzhou/Chengdu/Wuhan: capped at personal annual contribution (monthly contribution ÷ 2 × 12). Guangzhou allows 2 withdrawals per year; others allow 1.
What medical documents are needed for a serious-illness withdrawal? How is the out-of-pocket amount calculated?
Documents: ID card, hospital inpatient or major-surgery certificate, original medical invoices, social insurance settlement sheet (showing out-of-pocket amount), bank card. Out-of-pocket = total medical cost − insurance reimbursement, as stated on the settlement sheet.
What procedures are needed for a retirement withdrawal? How does the retirement age differ by gender?
Documents: ID card, retirement certificate or social security bureau confirmation, household registration booklet, bank card. Statutory retirement ages: males 60, female cadres 55, female workers 50. Upon reaching statutory age the full account balance (both personal and employer contributions with interest) can be withdrawn in a lump sum.
Can I withdraw all my provident fund after resigning? Are there restrictions for non-local residents?
Most cities (Beijing, Shanghai, Hangzhou, Chengdu, Wuhan) allow full-balance withdrawal for local hukou holders or those who own property locally. Guangzhou and Shenzhen restrict non-local, non-property holders to only the personal contribution portion (~50%). The employer portion may be withdrawn after the account lock-in period expires.
Can spouses withdraw from each other's provident fund accounts? What is required?
Yes. Spouses may use each other's accounts as supplementary funds. Required documents include the marriage certificate and both parties' ID cards. The primary applicant's account is drawn first; the spouse's account covers any shortfall. Specific rules vary by city housing fund centre.
Can I still withdraw after contribution interruptions? How long before eligibility is affected?
Beijing and Shanghai suspend rental withdrawal applications when contributions have been interrupted for more than 3 consecutive months. Purchase, repayment, resignation, retirement and illness scenarios are not affected by interruptions. Eligibility for rental withdrawals typically resumes after 3 months of resumed contributions.
Does withdrawing provident fund affect my ability to apply for a provident fund mortgage?
Yes. Withdrawals reduce your account balance, which directly lowers your provident fund loan eligibility (usually calculated as balance × 12 or 15). After a full purchase withdrawal with zero remaining balance, you must resume contributions and rebuild a minimum balance before applying for a new provident fund mortgage. Repayment withdrawals do not affect loan eligibility since the loan is already in repayment.
Are my files or data uploaded?
No. All calculations run entirely in your browser. No data is sent to any server.
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