Three withdrawals from the 2026 provident fund are officially on the groundMaintenance fundPayProperty costsIt was possible to draw on the provident fund, but many people went for nothing without knowing the specific conditions and points of operation。
The whole house is finally on the payroll
As of 1 may 2026, the purchasers of their own homes, whether new or second-hand, in full-cost housing in the administrative area of my city, can be drawn up once a year, provided that the purchasers or their parents or children in their municipality contribute to the housing fund, and that the cumulative total does not exceed the total purchase price. For example, you bought a house with a total cost of 1. 5 million dollars this year and a further half million next year, in three years, with a much more flexible funding arrangement than in the past。
The construction of a new commodity house would allow for the direct purchase of premises from the provident fund, without the need to advance the full amount before returning for reimbursement. Second-hand houses are required to have the real estate title certificate after the transfer date of 1 may 2026, after which time the contract network for the construction of new houses must be signed. If the balance of his or her account and that of his or her spouse is insufficient, the difference may then be covered by drawing on the pool of the parents or children。
The parents' and children's pension can help
The new deal extended the withdrawal from the person and spouse to parents and children, provided that parents and children had no outstanding housing fund loans. For example, you buy a full house of 1. 2 million, with only 80,000 in your own account and in your spouse's account. The rest can be taken from your parents' or children's account, and the family can only mention it once a year。
Note that this "one time" is counted by both spouses and their parents and children, not by each person. Accumulated withdrawals cannot exceed the total purchase price, such as the $2 million raised this year in a total of $1 million, and a maximum of $1 million next year, leaving no remaining amount for the second year after full maturity。
Maintenance fundTaxesI can mention it now
Previously, the housing special maintenance fund and the deeds tax had been paid out of their own pocket, and the provident fund was available as of 1 may 2026. The amount of the contribution is not greater than the amount actually paid。
If you are in the process of paying off a loan from the provident fund, you can draw up a mutual pension once, including a monthly contribution from the spouse, if the loan is overdue. This policy was introduced on a trial basis for one year, starting on 1 may 2026, and is subject to a follow-up announcement by the municipal provident fund centre, recommending that it not be delayed until the end of the year。
It's the first time that property fees are withdrawn
This is..Provident fund withdrawalsFor the first time, the policy included property management fees. The spouses of the depositors pay the property management fee of their own municipality for the year 2026, and on the basis of an official tax invoice they may apply for a lump sum of their own and their spouses' contributions, which may not exceed the sum actually paid. Each depositor may draw only one set of property charges。
If both spouses contribute to the public fund and each have two housing units in the municipality, they and their spouses may draw a separate property fee. However, each dwelling is allowed only once, the address on the invoice must be identical to the address on the real estate or home title certificate, and the time period must be clear, and the address cannot be checked。
Don't mix the order and the timing
The order of withdrawal is clearly defined and must be preceded by a reference to the personal and spouse's pension, leaving insufficient balance to refer to the parents and children. The maintenance fund is to be withdrawn within one year of the date on which the invoice is issued, and the tax is to be paid within one year of the date on which the tax certificate is issued, which is not due. While there is no one-year limit for the full purchase of premises, the purchase time must be after 1 may 2026。
It is recommended that the purchase contracts, real estate certificates, maintenance fund invoices, tax clearance certificates, property billings, etc. Be prepared in advance and photocopied in a copy. When the originals are taken to the window, it is necessary to reschedule the missing materials, especially since the address and time period on the invoice must be matched with the title certificate information, so as not to make any trouble。
When can we do it
The maintenance fund in the central urban area, the deed tax, the withdrawal of property charges and the purchase of the entire amount of the house are taken on an annual basis and have all been processed since 1 may 2026. However, the withdrawal of property costs in the counties (municipalities) did not begin until 1 july, i. E. Only the central city could do it in the first two months of july, and the residents of the counties would have to wait another two months to submit their submissions to the window。
The list of details and materials may be consulted on the official public and official networks of municipal housing fund centres, or directly through the offline service window. If the follow-up policy is adjusted, the official channel will update the notice first, and before doing so, it will be free to run and the materials will be ready。
How much property and maintenance money did your family pay this year? Are you going to put it in the pool or do you want to carry it yourself? Let's talk about your situation in the comment section。
