As noted by the employees of the changsha provident fund, the property maintenance funds and the lease tax were finally able to raise the provident fund, which was formally implemented on 25 august, but with a number of changes in the time frame for withdrawal, the conditions of application and operational details, the rules may have run several times in vain。
New rules for the extraction of property maintenance funds
On 25 august 2025, the hunan provincial housing finance management centre issued implementing regulations for the introduction of new property deeds tax and special maintenance funds. The first or second home is purchased by the family of the depositor, and after payment of the tax, deposit of the property maintenance funds, a withdrawal of the amount of the contribution may be made within 36 months of the date of issue, up to the amount of the actual expenditure, both of which are applicable。
In the past, the purchase of houses in changsha, taxes and property maintenance funds had to be paid for by themselves, and the money in the provident fund account had not moved at all. Now it's clear, but watch out for "extract once" instead of the set. For example, you paid $18,000 in taxes, $50,000 in the pool account balance, up to $18,000, and 3,000 in maintenance, up to 3,000。
A uniform extension of the time limit for house acquisition to 36 months
The latest policy extends the withdrawal time frame for the purchase, construction, reconstruction and overhaul of self-occupied houses and additional elevators for existing multi-storey dwellings from 24 months to 36 months. That is to say, you have three full years to apply from the moment you get the relevant papers, and you don't have to pile up the windows for another two years。
An important exception is that a one-time payment for the purchase of used, current and out-market premises must be made within 24 months of the expiration of 12 months from the date of the tax clearance certificate of entry, and the real estate title cannot be written off at the time of withdrawal. In short, we can't just go through the house, wait a year, and the house is still in your name, and we can't。
Young people are at age 45
There is no loan support for employees who are older than young people, and the centre has clearly responded: persons under 45 years of age who have received a full-time degree of specialization and above, who have been in regular paid-up for 12 months, families who have purchased a new commercial house in changsha city to apply for a provident fund loan for improved housing, do not calculate the number of existing housing units, directly execute the interest rate on the first flat, and are not subject to the interest rate for the second flat。
There are two hard thresholds to ignore. The first is that the education must be "full-time specialty and above" and that in-service studies and part-time master's degrees are not included; the second is that the type of housing is limited to "new commodity houses", with second-hand and pre-term rooms not applicable. If you have a house, two interest rates on a regular track, and a first set on a brain track, for example, a million loans, hundreds of dollars a month, tens of thousands a decade。
Month hedge does not release the main borrower
In monthly hedges, i. E., inter-generational mutual loan repayments, immediate family members can automatically transfer a monthly provident fund repayment to the main borrower. However, it is clear to the centre that the month-to-month hedge of relatives does not release the principal borrower and his/her spouse. This means that the three-month coupling between the main borrower, the spouse and the relative can go hand in hand, and that the previous one cannot be withdrawn by adding the relative。
This rule is designed logically to prevent confusion in the order of deductions. The monthly hedge between the main borrower and the spouse is the channel for repayment under the loan contract and the secondary channel for relatives. The banking system may be unable to withhold money if it is allowed to do so at will, resulting in late posting of letters. It is recommended that this be done before the loan bank recognizes the priority of the deduction and avoids a two-month conflict。
Take the material and make it available
The core materials, which are taken from the centre for the management of housing funds in hunan province, are: the tax clearance certificate or the original document for the maintenance of property funds, the real estate certificate or the purchase contract, the personal identity card, the bank card for the collection of public funds. In the case of first-hand homes or out-of-market houses, it is also necessary to provide a record of the time of the tax deposit, showing that it has reached the end of 12 months。
It is recommended to check the status of the personal accounts in advance of the long-salt housing fund micro-link or the "i-salt" app to confirm whether the continuous deposits have been met. The review criteria for the window after 25 august of the new policy may be subject to a transitional period and may be processed as early as possible during the first week of work, avoiding the peak of the end of the month and allowing for one or two hours of on-site queue。
The first set of two can be mentioned, but only once
In the original version of the policy, "purchase of first or second home" is available without distinction. However, the expression "application to withdraw once" is crucial, and the same house purchase is subject to a single tax or maintenance fund. You've got a tax on the first set and a tax on the second set. That's two separate deals. You can't put the money on the two flats together。
The ceiling is the actual amount of money spent on the instrument, and the amount raised is not sufficient to cover the balance of the provident fund account, and will not compensate for the difference. It is therefore recommended that the total amount of tax and maintenance funds should be calculated before the purchase of the house, that the balance of the provident fund should be covered, that the pace of repayment should be planned in advance and that the balance of the account should be found to be small。
How much did you spend on tax and property maintenance when you bought the house? Welcome to the comment area to talk about your actual expenditure, and if you find it useful, send it to your friends who are buying a house in changsha。
