According to the individual income tax law, in the annual tax return, as long as the special additional deduction conditions for housing loans are met, the tax refund for housing mortgage loans can be handled.

According to relevant policies, a tax refund cycle is calculated within one year from the first loan month. Please go to the relevant departments for tax refund on time. If the tax refund formalities are not completed after three months, the formalities will not be completed.

When handling the tax refund, you need to provide the first suite, bank mortgage repayment certificate, tax payment certificate, etc. We can go through the formalities of tax refund at the tax window. Generally speaking, the annual fee is 12000 yuan.

Tax refund method for housing loans: 1. Provide the first set of housing certificates. If both husband and wife have two or more houses, they may not apply;

2. With the purchase contract and purchase invoice, go to the financial department to issue a tax return, and keep a copy and the original. After the real estate license is completed, it can be registered;

3. If the house title certificate is mortgaged in the bank, he must go to the bank to issue relevant certificates and provide the time and copy of the title certificate;

4. The housing loan certificate issued by the loan bank shall be paid monthly;

5. After completing the property tax formalities, you can go to the local bank to go through the tax refund formalities, and then wait for the funds to arrive.

At present, many banks can handle mortgage loans, so it is best to find a big bank when handling loans. In this way, their reputation will be much better, their financial products will be richer and their services will be better. Choose famous banks with safe funds and good service quality, such as the five major banks.

Mortgage interest rate is very important, because mortgage interest rate will affect loan interest. Although the bank's loan interest rate is 5 years to 4.9%, because the policy of the real estate market is different from that of the real estate market, buyers will encounter the problem of raising interest rates when buying a second suite, so buyers should compare and choose one that is more suitable for them.