The Interim Measures for Deduction stipulates that:
Article 14 If the taxpayer himself or his spouse alone or * * * jointly causes the Lianghe Commercial Bank or the housing accumulation fund or his spouse to purchase houses in China, the interest expenses incurred by the first home loan shall be deducted according to the actual standard of 1 000 yuan per month, and the maximum deduction period shall not exceed 240 months. Taxpayers can only enjoy the first home loan interest deduction.
The first home loan as mentioned in these Measures enjoys the interest rate of the first home loan.
Fifteenth agreed by both husband and wife, one party can choose to deduct, and the specific deduction method shall not be changed within a tax year.
After marriage, the interest expenses of the first home loan generated by the husband and wife buying houses separately before marriage can be deducted by one of the buyers according to the deduction standard of 100%, or the houses purchased separately by the husband and wife cannot be changed within a tax year.
Second, how to handle mortgage loans
The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower. After the mortgage registration, the bank can issue loans to the borrower's personal savings account. If you want to know more about mortgage loan, please consult Morlon. Moerlong platform covers 37 1 cities nationwide, with more than 2 million registered users, and provides tens of billions of loans to various customers every year. 20 15 Softbank China capital becomes Morlon shareholder. Softbank China Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and IWC.
Third, housing mortgage loan.
1. Yes, but we will provide discount loans according to the old and new housing and market value, which does not conflict with housing loans.
2. The amount of proof of loan income should be the same, but what is given to your father is * * * and the name of the lender. So you need to provide proof of your relationship with him. As for the income, it is generally more, and it is basically a bank process.
If the house is in your father's name, he can get a mortgage.