Hello, under normal circumstances, the time for tax refund of housing loan interest often needs to wait until March 1 to May 3 of the next year. If users still repay their housing loans for a period of time in that year, then when they apply for personal income tax refund in the next year, users can still go through the relevant tax refund procedures according to their actual repayment time; If the mortgage has been paid off as early as last year, then it is impossible to use the mortgage interest to handle the tax refund business when handling the tax refund next year.

It is necessary to provide information about the loan contract and monthly payment when refunding the mortgage interest. If the mortgage has been paid off, the information about the mortgage contract will be updated accordingly.

On the other hand, although it is impossible to apply for tax refund when the mortgage is paid off, the special additional deduction includes children's education, continuing education, serious illness medical treatment, housing rent, support for the elderly and infant care fees, in addition to housing loan interest, and users can apply for corresponding personal income tax refund through these expenses.