The withholding agent's declaration advantage: he can enjoy special tax deduction every month; Disadvantages: the unit is responsible for reporting, which will involve personal privacy. Advantages of annual self-declaration of comprehensive income: protection of personal privacy; Disadvantages: you don't enjoy the special tax deduction every month, and you can only return it in the second year.
Extended data:
Detailed explanation of the application process of loan tax refund of Fang Zao Yan Bureau in APP
1. Download the personal income tax APP- Enter the personal center for real-name registration (please log in directly to the bench for those who have registered)-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 the form-Select 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 choose the property right certificate, fill in the loan contract number and house address according to the prompt-choose the deduction year, choose 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 payment page again, click on the annual final settlement of comprehensive income-click on the tax refund to apply for, you can view the detailed information of the application record and finally click on the tax refund application to complete.
First, the application conditions for housing loans
1. Applicants need to have legal residence status, permanent residence or proof of residence status of urban residents, so it is best to buy a house in the location of your residence or the city where you live now.
2. The age must be 18 years old.
The applicant must have a legal and fixed job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time.
4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank.
The applicant's credit should be good.
Second, the housing loan application materials
1. Applicants should prepare their own identification documents, that is, valid identification documents;
2. Prepare your own residence certificate, such as household registration book or valid residence certificate;
3. Prepare your work certificate and income certificate;
4. Prepare your own House Sales Contract and related documents;
5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate.