In 2026, the city of the building received a great deal of good news. The ministry of finance and the general tax administration issued a joint communication to optimize the value added tax policy for personal sales and to reduce the cost of trading in used houses directly, whether in front-line cities or in small counties。
There's a new policy for 2026
The core change in the new deal is particularly real: personal housing is sold for two years (including two years) and vat is directly exempted; if not, the collection rate has dropped from 5 per cent to 3 per cent. More importantly, the new deal has completely removed geographic and household restrictions, and the previous two years of pay-off tax on non-ordinary housing in the north and the north are no longer repeated。
The collection rate dropped from 5% to 3%
How great is the money saved? Let's figure it out. A package of 3 million small households with 1. 5 years in demand and approximately 14. 29 million prior value added tax (vat) is now available for only 874 thousand direct savings of 555,000, which is sufficient for ordinary families to pay one year's worth of property and additional improvements; a 5 million improved housing unit with one year's possession, which has been reduced directly from 2381 million to 1456,000, and a 9. 25 million saving, which is more than enough for a single home-wide smart home; if you had a large household with a line-line city, sold over two years, you would have to pay the difference tax, which is now paid directly, amounting to a single purchase of electricity。
A real new policy for the good of the people
For sellers, the saved taxes are net profits; for buyers, the lower pressure on the seller's taxes can reduce the transfer of taxes from the house price, indirectly lower the cost of buying the house, and make the buyers and seller win-win。
A real new policy for the good of the people
However, in order to benefit from the benefits, the three key points must be kept in mind and not stomp on the pits. First, the “two-year” determination, the date of registration of the property certificate or the date of tax clearance, the date of purchase of the property and the date of delivery of the property, the date of purchase of the property, the date of purchase of the property by the original owner, the date of succession, gift, the date of purchase of the property by the original owner, and, second, the new deal, which is only for personal housing, and the commercial properties such as shops, writing buildings and apartments, are not enjoyed; finally, the exemption is granted with a property certificate, tax clearance certificate, identification card and proof of marriage for the couple's joint property, if the difference of several months is two years, the transaction may be made later, without major loss。
Grab three points. Don't step on the pit
According to industry experts, this adjustment of the value added tax policy will effectively activate the demand for second-hand houses and break the chain of “selling old and buying new”, creating a virtuous cycle in the market for second-hand houses. It is now the policy dividend period, and friends who are planning to sell their property are quick to sort out their property and seize the market window at the beginning of the year; friends who buy their houses prioritize the two-year-old housing stock, while carefully screening the clarity of property rights, identifying the various cost-bearers and avoiding hidden expenditure。
