Following deliberation and approval by the Shenyang Housing Provident Fund Management Committee, five housing provident fund loan policies will be optimized starting in January 2026. The five optimized policies include extending the term of the minimum down payment ratio policy, extending the applicability of the 15% minimum down payment ratio for housing provident fund loans—implemented in November 2024—until December 31, 2026; Extending the validity period of the policy regarding the criteria for determining the number of homes owned under housing provident fund loans, extending the applicability of the policy—implemented in July 2025—allowing individuals who have used housing provident fund loans two or more times to take out a new loan after settling their existing debt, until December 31, 2026; Relaxing the requirement regarding the repayment period of the original commercial loan for groups such as the self-employed when converting commercial loans to housing provident fund loans. For self-employed contributors, employees contributing to the fund in a different location, and active-duty military personnel applying for such conversions, there will no longer be a restriction on the repayment period of the original commercial loan; Increase the loan-to-value (LTV) limit for “commercial-to-public” loans: The LTV limit for such loans is raised from 60% of the property value to 80% of the property value; Expand the scope of housing loan support policies for new urban residents and young people: the policy allowing a 1.3-times increase in housing provident fund loan limits for these groups is extended from new commercial housing to include both new commercial housing and second-hand owner-occupied housing. (Shenyang Release)