HF
Housing Fund Withdrawal (公积金提取)
🔵 Stable🕐 updated 2026-10-04⚖️ rules checked 2026-10-04
🔷 SkillSpec L3
pm-china-life
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.
🗣 Say this to your agent
“我在杭州租房，公积金能提吗？一个月能提多少？”“离职回老家了，上海的公积金怎么办？”“准备两年后买房，现在要不要把公积金提出来？”“How do I withdraw my Chinese housing fund after leaving the city?”
What to give it
▸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
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓Every route's conditions and limits are marked to confirm with the local centre
✓Each route lists documents, channel and frequency
✓The withdraw-or-keep comparison is tied to the person's own buying plans
✓Moving between cities is covered when the person has moved or may move
✓No rate, cap or limit is stated as current without a source to check
✓Rent withdrawal caps are attributed to the city, not given as national figures
⚠️ What it refuses to do
**National answers to a local question.** Caps and conditions differ by city.
**Withdrawing everything by reflex.** It can shrink a cheaper loan later.
**Agents who promise to "unlock" the fund for a fee.** Some are fraudulent; use official channels.
**Old rates.** Loan rates are adjusted; look them up on the day.
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="cn-housing-fund-withdrawal"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Housing Fund Withdrawal (公积金提取) is one of 1297 open-source professional AI agent skills — all SkillSpec L3.
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