First of all, you must pay personal income tax first. Only when the tax is paid first (the threshold is 5000 yuan) will there be a tax refund;

Two, the choice of tax year can not be changed;

Three, if you buy a house, but still renting, "housing loan interest" and "housing rent" can only choose one;

4. The first repayment month is 1 year, which is a cycle of applying for tax refund. If the application is made within 3 months after the first repayment, it will be automatically invalidated (for example, the repayment time is 202 1 year, which is exactly 1 year).

What are the requirements for applying for a housing loan?

1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct and full capacity for civil liability, and has a legal and valid residence certificate;

2. The borrower shall pay the down payment;

Three, the borrower must have a stable legal income, repayment ability;

Four. The Borrower agrees to use the purchased house and its rights and interests as collateral;

5. The property right of the house purchased by the borrower is clear and meets the conditions stipulated by the government for entering the real estate market;

6. The house purchased by the borrower is not within the scope of the demolition announcement;

7. Other conditions required by the lending bank.

Precautions for housing loan:

First, try to avoid job hopping. When a borrower applies for a loan, some banks will require the applicant to issue an uninterrupted bank statement for more than 6 months, and the amount is generally more than twice the monthly payment, so as to evaluate the repayment ability of the applicant. When approving loans, banks need to comprehensively consider the lender's economic ability level, such as job stability, income stability, growth trend and so on. If the buyer resigns before buying a house, it may increase the difficulty of the loan and affect the progress of the loan.

Second, calculate the loan term. At present, the longest term of housing loan in most cities is 30 years, but not everyone can apply for the longest term housing loan. Property buyers need to meet the requirement that the sum of the loan period and the borrower's actual age should not exceed 65 years old (ICBC requires 70 years old). If you are 45 years old, according to the regulations, the longest term of your loan can only be 20 years.

Third, choose a reasonable repayment method. The repayment method of the loan includes equal principal and interest and average capital. The former is to repay the same amount of loans (including principal and interest) every month during the repayment period; The latter is to evenly distribute the total amount of loans during the repayment period, and repay the interest generated by the remaining loans in average capital and that month every month. Property buyers can choose their own way according to their actual situation, such as stable work, equal principal and interest, and ordinary capital if there is room for growth in the later stage of work.