1. Download the personal income tax APP- Enter the personal center for real-name registration (please log in directly for registration)-Fill in the personal information and employment information correctly and bind the bank card-Enter the tax page, click the special additional deduction to fill in-Choose to deduct the annual and housing loan interest.

2. Prepare relevant materials according to the prompt information, fill in the form (you can choose one of the property right certificate, real estate registration certificate, commercial housing sales contract and pre-sale contract)-then select the property right certificate, fill in the loan contract number and house address according to the prompt-select the deduction year, select the loan method and fill in the loan information.

The above information can be found in the loan contract, or you can call the bank's customer service phone to inquire. If it is a provident fund loan, you can consult the provident fund center.

3. Next, fill in the spouse information. If not, go directly to the next step-choose whether to choose the deduction ratio with the borrower and choose the declaration method-declare the comprehensive annual income through the withholding agent or declare it by yourself-and click Submit after completing the above steps.

4. Finally, enter the tax page again, click on the annual settlement of comprehensive income-click on the application for tax refund to view the details of the application record-and finally click on the application for tax refund to complete.