Legal analysis: Yes. Tax refund for personal purchase or real estate tax. The application for mortgage tax refund will be received within three working days at the earliest and thirty working days at the slowest. If you haven't received the tax refund after more than 30 working days, or the system still doesn't prompt that the tax refund failed, it is recommended to contact the tax bureau quickly. Mortgage tax rebate needs to be declared and then passed the tax audit. After the treasury is successfully handled, the money will be returned to the bank card provided by the taxpayer. Taxpayers who need tax refund can declare through online declaration, centralized declaration, entrusted declaration, postal declaration and tax service hall. Whether the housing loan can be refunded requires two conditions: 1. Since the tax threshold is 5000 yuan, personal income tax will be levied only after reaching this standard, so only after paying a tax can you qualify for tax refund. 2. Both husband and wife must have only one property in the tax market, and the property is mortgaged to buy a house.

Legal basis: Interim Measures for Special Additional Deduction of Individual Income Tax

Article 14 If taxpayers or their spouses use individual housing loans from commercial banks or housing accumulation funds alone or jointly to buy houses for themselves or their spouses in China, the interest expenses incurred from the first housing loan shall be deducted according to the standard quota of RMB 1 000 per month in the year when the loan interest actually occurred, and the maximum deduction period shall not exceed 240 months. Taxpayers can only enjoy a first home loan interest deduction. The term "first home loan" as mentioned in these Measures refers to the housing loan that enjoys the interest rate of the first home loan when buying a house.

Fifteenth agreed by both husband and wife, can choose to be deducted by one of them, the specific method of deduction shall not be changed within a tax year. For the first set of housing loans that occur when the husband and wife buy houses separately before marriage, they can choose to buy 1 house after marriage, and the buyer will deduct it according to the deduction standard of 100%, or the husband and wife will deduct it according to the deduction standard of 50%, and the specific deduction method cannot be changed within one tax year.

Can personal income tax be refunded on mortgage?

Personal income tax can be refunded on mortgage, but certain conditions must be met. The family must be the only house and pay personal income tax. There are also certain requirements for the time of tax refund application. 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 the expiration of one year. If no application is made during this period, it means automatic waiver.

Legal basis: Individual Income Tax Law of People's Republic of China (PRC).

Article 13 Where a taxpayer obtains taxable income without withholding agent, it shall report and pay tax to the tax authorities within 15 days of the next month after obtaining the income.

If the taxpayer obtains taxable income and the withholding agent fails to withhold the tax, the taxpayer shall pay the tax before June 30 of the following year; If the tax authorities notify taxpayers to pay within a time limit, the taxpayers shall pay within a time limit.

Income obtained by individual residents from outside China shall be declared and taxed from March/KLOC-0 to June 30th of the following year.

Non-resident individuals who obtain wages and salaries from more than two places in China shall declare and pay taxes within 15 of the following month.

Taxpayers who cancel their domestic accounts due to emigration shall go through tax settlement before canceling their domestic accounts.

Article 14 The tax withheld by withholding agents every month or every time shall be turned over to the state treasury within 15 days of the following month, and a declaration form for withholding individual income tax shall be submitted to the tax authorities.

Where a taxpayer or withholding agent handles the tax refund for the taxpayer, the tax authorities shall, after examination, handle the tax refund in accordance with the relevant provisions on treasury management.

Can the house loan be refunded?

Mortgage tax rebate means that when calculating personal income tax, those who meet the special additional deduction conditions of housing loan interest can apply for mortgage tax rebate. First, open the personal income tax app, select the exclusive surcharge-choose the interest of housing loan-choose the number of years-choose to fill in the information and submit it, and you can declare your corresponding personal income tax.

What is the mortgage tax rebate?

1. According to the relevant provisions of personal income tax, if the special additional deduction conditions of housing loan interest are met when calculating the annual personal income tax, you can apply for mortgage tax refund. When we apply for mortgage tax refund, we must first meet the standard of individual tax payment, and then we can apply for tax refund after paying a tax. Secondly, buyers need to buy the first home through loans to enjoy it.

2. According to relevant policies and regulations, one year from the first repayment month is regarded as a tax refund cycle. Everyone should apply for tax refund to the relevant departments in time within the specified time. If you don't apply for tax refund within 3 months after one year, you can't make up the application.

3. To apply for tax refund, you need to prepare relevant information in advance, such as the first suite, bank mortgage repayment certificate, tax payment certificate and so on. After preparing the relevant supporting materials, you can go to the relevant counter of the local administrative service center for tax refund registration. Generally, it is deducted according to the standard of 12000 yuan per year.

Tax refund is a tax-related policy introduced by the state to reduce the burden on citizens. If we meet the relevant conditions, we can get a tax refund. If we borrow money to buy a house and meet the tax refund conditions, we can refund the tax according to the process.

How much can the mortgage tax rebate be refunded

1. Mortgage tax refund deduction standard: from the first repayment month, it will be deducted according to the standard amount of 1000 yuan per month, that is, the maximum deduction can be 12000 yuan per year.

2. Calculation formula of mortgage tax refund:

If the personal income tax actually paid in the previous year is less than the special deduction for mortgage, the mortgage tax rebate = the personal income tax actually paid;

If the personal income tax actually paid in the previous year is greater than the special deduction of mortgage, the mortgage tax rebate = the special deduction of mortgage.

Can personal income tax be refunded on mortgage?

Generally speaking, no, but if you have proof of housing loan interest, you can apply for some personal income tax relief when you declare personal income tax, and the maximum amount of relief can reach 1 000 yuan.

Yoshiya real estate encyclopedia, buying a house needs more knowledge.