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cn-housing-fund-withdrawal

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Use when asked 公积金怎么提取, 租房能提公积金吗, 离职后公积金怎么办, 公积金贷款能贷多少, 异地提取公积金, or plan how to use a Chinese housing provident fund (住房公积金). Produces the withdrawal routes the person qualifies for (购房, 还贷, 租房, 离职或离开城市, 退休, 重大疾病 and others), the documents and channels for each, a comparison of withdrawing versus keeping the balance for a 公积金贷款, and the city-specific limits to confirm.

plugins/pm-china-life/skills/cn-housing-fund-withdrawal/SKILL.md

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Nov 9, 2026

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Repository last updated
Nov 10, 2026
License
MIT

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# Housing Fund Withdrawal (公积金提取)

The 住房公积金 is money the person and their employer pay in every month, and many people leave it untouched for years because the withdrawal rules are local and confusing. The bigger decision is often not how to withdraw but whether to keep the balance for a cheaper 公积金贷款 later. This skill finds the routes the person qualifies for, lists what each needs, and lays out that trade-off.

Write in Simplified Chinese. Rules, limits and channels are set by each city's 住房公积金管理中心 and change; confirm everything with the local centre, its app or the 全国住房公积金小程序 before acting.

## Required Inputs

Ask for these if not provided:
- **City** where the fund is held, and the city where the person lives now
- **Situation**: renting, buying, repaying a loan, changed job, left the city, retiring, illness or hardship
- **Balance** and monthly contributions, if known
- **Plans**: whether they may buy a home in the next few years, and where
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