2. Select "special additional deduction declaration", select "housing loan information", and then select the year in which the user wants to file tax returns;
3. Prepare property right certificate (property right certificate, house purchase contract) and loan contract, and fill in personal information and loan information;
4. Submit and determine the tax refund amount. Generally, if the tax refund amount is 0, there will be no tax refund. If there is a tax refund amount, it can be refunded. Users can choose a personal bank card for a refund, which will generally be returned to the bank card left by the user within one week.
The above is how to refund the mortgage.
Matters needing attention in mortgage tax return
1. The housing loan can be a house bought by a single person or a house bought together after marriage, but it needs to be purchased through commercial loans or provident fund loans, and it needs to be the first real estate under the user name. If there are more than one suite with outstanding loans under the user name, only the house bought with the first loan will be counted;
2. The subject of deduction can be an individual, the other half, one party or both parties, but the tax deduction standards are different. For example, if it is deducted from only one party, it will be deducted by 100%, that is, after one party applies for a tax deduction of 1000 RMB, the other party cannot apply. If it is deducted by both parties, the proportion of both parties' applications is 50%, and each party will be deducted 500 RMB.
When can the mortgage tax refund be declared?
After the user submits the application for housing loan tax refund, the local taxation bureau will immediately examine and approve it, which will probably be completed within 15 to 20 working days. It will take about 7 to 15 working days after the approval, and then the tax refund will be transferred to the user's bank card. Generally speaking, it takes about a month. For this matter, users only need to wait patiently. If you haven't received the tax for more than one month, you can take the initiative to contact the local taxation bureau for consultation.
When will the personal income tax refund arrive?
The arrival time of tax refund is not fixed, but according to the relevant regulations, the final settlement time of tax refund is generally 10 working days from the date of application. In case of special circumstances, the arrival time will be relatively extended, which can generally be extended to 30 working days. It should be noted that when handling personal tax refund, users should contact their own bank card account, and the tax refund amount will be directly credited to the bank card account. When there is a problem with the tax refund, the user should go to the tax department to make corrections and re-apply for the tax refund. This article is mainly about how to refund the mortgage, and the content is for reference only.