增值税降了！不满2年卖房，500万房产税费可省9万多

Core Viewpoint - The new policy on individual housing sales value-added tax (VAT) aims to reduce transaction costs and stimulate housing demand, effective from January 1, 2026 [1][2][5] Group 1: Policy Changes - The VAT rate for individuals selling homes purchased for less than 2 years will be reduced from 5% to 3%, while homes held for 2 years or more will be exempt from VAT [1][2] - The announcement also includes the cessation of previous transitional policies related to VAT [1] Group 2: Market Impact - The reduction in VAT is expected to lower transaction costs by 2% for properties held for less than 2 years, facilitating smoother transactions and reducing the pressure on sellers to lower prices significantly [2][3] - The policy is designed to alleviate the difficulties faced by short-term sellers and enhance the interaction between the new and second-hand housing markets [3] Group 3: Broader Economic Context - The current tax policies for real estate are at their most lenient stage in history, with various tax reductions and exemptions in place to support housing consumption [4] - The combination of reduced transaction costs, lower down payment ratios, and low loan interest rates is expected to create a favorable environment for housing transactions, leading to a more active market by 2026 [4][5]