The state's provident fund new dealTaxesAndMaintenance fundIt's in "other housing consumption" and a lot of people ask if and how. Official answers were available as of 1 july, but the process is still on the way。
What are the costs of other housing consumption
According to the administration of the state housing provident fund issued in april 2026 (2026) 2) article 5 refers to "other housing consumption" withdrawals, which refer specifically to two situations: the payment of funds for the exclusive maintenance of housing, and the purchase of property deeds. These costs were formally included in the drawing of the provident fund from the date of the policy and no longer fall within the grey area of "unextractable"。
The policy has been in force since 1 july 2026. In its response to the "questioning the state" platform, the municipal housing provident fund management centre confirmed that the operational rules based on the three documents of the " deprivation management scheme " and the " personal housing loan management scheme " were being prepared and would be made public through the official "state provident fund" website or the micro-intelligence public number。
Can the tax be drawn from the provident fund
The tax is a lump-sum tax paid for the purchase of a dwelling, calculated as a percentage of the tax price, and the state has a housing stock of about one million, usually ranging from tens of thousands to tens of thousands. Previously, the money had to be paid out of its own pocket, and after 1 july 2026, citizens could pay the balance of the provident fund account, provided that the tax certificates were kept and checked。
By way of practical example, in february 2026, citizens paid a tax and maintenance fund for a fully-funded housing unit, which was then drawn from the public provident fund of the québec platform. The municipal provident fund centre of the canton replied explicitly that withdrawal was available, but only after the formal entry into force of the policy on 1 july, and that by-laws were still pending。
Maintenance fund included in provident fund drawdown
The funds for specialized housing maintenance are a public fund paid for the building area at the time of purchase, which is generally charged by the canton at the rate of several dozen yuan per square metre, and a flat of about 90 square metres is usually paid between 1,000 and 2,000 yuan. Previously, payments had been made only in cash or bank transfers, and the new deal would now be able to draw directly from the provident fund and save a liquidity。
The new deal combines the maintenance fund with the tax due, subdivided into the "other housing consumption" category and applies the same extraction rules. That means the citizens don't have to save alone. Cash to cover this expenditure allows the balance in the provident fund account to be covered directly, effectively reducing the short-term liquidity pressure on the purchase chain。
The rules of procedure haven't landed yet
In its response, the municipal housing provident fund management centre stated that specific operational rules were being prepared, covering reception conditions, processing processes, materials required, time frames for review, etc. The publication channels are the official website of the state provident fund and the micro-credit public number, which are regularly accessible to citizens to avoid delays in the processing of information。
Prior to the official publication of the rules, the citizens may prepare for the preparation of documents such as tax clearance certificates, maintenance fee receipts, etc., in chronological order, and take photographs. Applications can be submitted quickly as soon as the process is online, without the need to flip over and look for bills。
What do you think you're going to do with the extraction
Under the general process of drawing from the provident fund, the original identity card, the bank card attached to the provident fund account, the corresponding contribution certificate (tax clearance certificate or maintenance fund receipt) is usually required, in part in support of which the purchase contract or real estate title certificate is provided and it is recommended that the above documents be prepared in advance and rerun the window。
The list of specific materials is subject to the operational rules. Citizens are advised to request an additional official invoice or receipt at the time of payment, and an electronic and paper copy at the time of the payment, so as to avoid any delay in following up on the window because of incomplete documentation or lack of information。
To someone who's going to pay for it with a pool
If the tax or maintenance fund has not been paid, a cash deposit may be saved until the policy has been implemented, and if the payment has been completed, the retention of a contribution certificate may also be applied for withdrawal and the transfer of the money back to the provident fund account would have saved a sum of money that would have been paid out of its own pocket。
It is recommended that attention be paid to the public name of the state provident fund and to the timing of the rule and to online access. The balance of the provident fund on the books was added to its actual purpose, which was no longer used only on the day of retirement, such as "in the accounts"。
Have you ever thought about covering it with a pool fund after you paid a tax or maintenance fund in the state? The comment section is welcome to comment on your situation and to suggest that it is useful to pass it on to a friend who is ready to buy a house。
