Yes, I also bought a suite now, the first one. Seeing the introduction of this special deduction housing loan, I originally planned to buy a house in another place in two years and then sell it, just like the landlord's problem. I dare not fill in this loan interest deduction on the software.

For example:

Before 20 18, taxpayers Xiao Wang and Xiao Mei each bought the first loan repayment interest in Nanjing. From 20 19 to 1, you can enjoy the special additional deduction of fixed housing loan interest of RMB 1000 per month.

On June 20 19, Xiao Wang and Xiao Mei got married. According to the regulations, "the interest expenses of the first home loan incurred when the husband and wife buy houses separately before marriage can be deducted by the purchaser according to 100% of the deduction standard after marriage, or by the husband's family according to 50% of the deduction standard, and the specific deduction method cannot be changed within one tax year." Xiao Wang and Xiao Mei can deduct 500 yuan every month, or one party can deduct 1000 yuan every month.

2065438+July 2009, Xiao Wang and Xiao Mei sold the original two houses, but at that time they could enjoy the first home loan interest rate, but according to "taxpayers can only enjoy the first home loan interest deduction once, and then enjoy the mortgage interest deduction once a month."

However, if you don't replace it, you can enjoy a maximum deduction period of 24.

In other words, improper arrangements, housing loan interest deduction may not be as beautiful as it looks. And most families probably won't reschedule their home purchase plans for this deduction. I really haven't figured out the most specific standard of special additional deduction. . .

Practical understanding

1. In order to facilitate the identification of different houses, special houses are recognized in the comprehensive income tax. According to whether the loan enjoys the bank's first home loan interest rate, it directly belongs to the "first home loan interest expense".

2. Understand that "taxpayers can only enjoy the deduction": In a simple and popular sentence, a person can only enjoy the "first home loan interest expense" once in his life.

For example, Nanchang individuals purchase the first home loan interest rate before tax deduction. For example, the interest rate of the first home loan purchased in Nanchang is repaid, and the interest rate of the second home loan purchased in Beijing cannot be subject to special additional deduction.

For young people who will consider buying a house in a different place in the future and only have a set of "bitter money" under their names, the house with existing loans will definitely be sold first, so that they can have enough funds to buy one in other cities. At present, the working stage is still uncertain, and it is not the time to sell their existing houses, but they must be able to sell their houses with existing loans and buy another house with new loans. . . . .

Second, is the mortgage interest rate of 7.5 legal?

Yes, when the People's Bank of China adjusts the deposit and loan interest rates, other commercial banks will adjust accordingly, and your mortgage interest rate will change according to the national guidance interest rate. It will also be written in the contract.

Third, is the mortgage interest rate replacement legal?

Dear users, mortgage interest rate replacement is a common loan method and legal. Generally speaking, mortgage interest rate replacement refers to the borrower converting the original mortgage into a loan with lower interest rate, thus reducing the repayment pressure and interest expenses. This method is also legal in China, and the borrower only needs to operate according to the regulations of the bank.

The specific operation process of mortgage interest rate swap is as follows: First, the borrower needs to find a reliable bank or financial institution to apply for interest rate swap. The bank will evaluate the borrower's credit status and repayment ability and decide whether to agree to the replacement. If agreed, the bank will pay the remaining loan principal to the original lending institution, and then the borrower needs to recalculate the repayment amount according to the new loan interest rate and repayment period.

It should be noted that the replacement of mortgage interest rate requires the borrower to have certain credit and repayment ability, otherwise the bank may refuse to apply or ask for additional conditions such as guarantee. In addition, the borrower needs to know the new loan interest rate and repayment period to ensure that the loan can be repaid on time, otherwise it may lead to overdue or default.

In a word, mortgage interest rate replacement is a legal loan method, but it needs careful consideration and operation by borrowers. If you have any questions or need further consultation, please feel free to consult the bank or financial institution.

Fourth, can it be replaced by a loan?

At the same time, there is a second home loan, and I have never enjoyed the preferential policy of interest discount for the first home loan before. You can choose one of them to declare the additional deduction of housing loan interest, but it must be the mortgage with the bank's first home loan interest rate. The first housing loan mentioned in the special additional deduction method for housing loan interest refers to the housing loan that enjoys the first housing loan interest rate when buying a house.

At the same time, the measures also stipulate that taxpayers can only enjoy a first home loan interest deduction. In practice, it can be grasped according to the situation that taxpayers use loans to buy the first house, that is, the interest expenses of taxpayers using loans to buy houses for the first time can be deducted.