Whether I am a borrower refers to whether the applicant is a borrower, and refers to the person who initiated the declaration, not whether the spouse is a borrower.

For example, Xiao He and his spouse borrowed money to buy a house. When Xiao He applied for tax deduction of housing loan interest, he should select "Yes" in the "Am I a Borrower" column of the spouse information office, because he is a borrower himself.

This "I am the borrower" should choose "Yes" or "No" according to the actual situation, that is to say, when the person who declares the deduction of housing loan interest is the borrower, he should choose "Yes". If it is a personal loan or a joint loan between you and your spouse, you belong to the borrower, so you should choose "Yes" in the column of "Am I a borrower" when reporting.

However, if the loan is not from you, but from your spouse, then you should choose "No" in the column "Am I a borrower" when you declare.

1. Information required for personal mortgage tax refund:

In the application procedure, the property owner shall apply to the district finance bureau where his personal income tax is paid, and provide the following information:

1. written application of the owner. The property owner shall declare in line with the principle of honesty and law-abiding, explain the relevant situation and clearly explain whether to buy a house for the first time in the main city of Chongqing, whether to enjoy the relevant government support or incentive policies for personal income tax in the main city of Chongqing, and whether the information provided is true and legal;

2. The first purchase certificate (including improvement) issued by the real estate transaction management institution in the area where the house is purchased;

3. Copy of ID card (check the original and keep the copy);

4. A copy of the house title certificate;

5. Housing mortgage contract between the property owner and the bank (review the original and keep a copy);

6. Proof of payment of mortgage principal and interest recognized by the mortgage bank.

Second, the mortgage tax refund process:

1. Provide proof of the first house. If both husband and wife own two or more houses, they can't apply;

2. With the purchase contract and the down payment invoice, issue a personal income tax payment letter in the financial department of the unit, and keep the copy and the original, and then register after the property right certificate is completed;

3. If the title certificate has been mortgaged in the bank, you need to go to the bank to issue relevant certificates, and provide the date of issuance of the title certificate, the co-owner page and a copy of the title certificate stamped with the official seal;

4. Proof of house payment issued by the loan bank, and print the monthly repayment flow.