Personal income tax can be refunded on mortgage, but certain conditions need to be met. The family must be the only house and pay personal income tax, and the time for applying for tax refund has certain requirements.

One year is a cycle from the first loan repayment, and at the same time, an application for tax refund is filed within three months from the next month after one year. If no application is made within this time limit, it means automatic waiver.