Personal income tax loans to buy a house do not need to be in the workplace, as long as you buy a house in China, you can deduct personal income tax. According to Article 14 of the Interim Measures for Special Additional Deduction of Individual Income Tax, if a taxpayer or his spouse uses a personal housing loan from a commercial bank or housing accumulation fund to buy a house for himself or his spouse in China, the interest expenses incurred in the first housing loan shall be subject to the year when the loan interest actually occurs.

Deduct according to the standard quota of 1000 yuan per month, and the maximum deduction period shall not exceed 240 months. Taxpayers can only enjoy a first home loan interest deduction.

Other provisions on individual income tax.

If the Interim Measures for the Special Additional Deduction of Individual Income Tax enjoys the special additional deduction for the first time, it shall submit the relevant information of the special additional deduction to the withholding agent or taxpayer, and timely submit the relevant information to the tax authorities, and the taxpayer shall be responsible for the completeness of the letter submitted. Special additional deduction information shall be provided to withholding agents or tax authorities in a timely manner.

Above-Interim Measures for Special Additional Deduction of Individual Income Tax

Second, will it affect the payment of personal income tax?

According to relevant information, it will not affect personal income tax, and loans are used for personal consumption. Personal income tax is to adjust the social relationship between tax authorities and natural persons in the collection and management of personal income tax, and the two do not interfere with each other.

3. Is there a relationship between personal income tax and loans?

I don't use personal income tax to offset the provident fund loan, but I make a bill in the bank and give it to the accountant after I repay the loan every month. The loan interest is offset by personal income tax. After buying a house, the provident fund loan is 654.38 million yuan, less than 654.38 million yuan per month. I don't know if you're talking about another policy, but all units here implement it this way.

4. Is there a relationship between personal income tax and loans?

I don't use personal income tax to offset the provident fund loan, but I make a bill in the bank and give it to the accountant after I repay the loan every month. The loan interest is offset by personal income tax. After buying a house, the provident fund loan is 654.38 million yuan, less than 654.38 million yuan per month. I don't know if you're talking about another policy, but all units here implement it this way.