How to operate?

We don't have to go to the tax bureau to declare. We just need to download the personal income tax APP on our mobile phone. After logging in, click the special additional deduction on the home page to fill in, which includes the option of housing loan interest. Then, fill in the property right certificate, property right certificate number, house location, loan bank, loan contract number and other loan information as required. If the mortgage interest has been reported last year, you can directly confirm the deduction information reported last year.

In order to realize the tax deduction of mortgage interest, we should pay attention to five points.

First of all, taxpayers can only enjoy a mortgage interest deduction.

As long as the buyers fill in the mortgage interest information in the individual tax APP system, regardless of the deduction time and the ownership of the house, the buyers cannot enjoy the mortgage interest deduction of other houses. Take myself as an example. When I bought the 1 suite, I filled in the mortgage interest deduction for this suite before, and later I sold this suite and bought another suite, so I can't enjoy the mortgage interest deduction policy for the newly purchased house.

If both husband and wife buy a second suite after marriage, whether applying for a commercial loan or buying a house with provident fund, the mortgage interest expenses incurred can only be deducted by one of them.

Second, mortgage interest deduction and rent deduction cannot be enjoyed at the same time.

Some people buy an auction house and rent a house while paying the mortgage, so can they enjoy the special additional deduction of mortgage interest and rent at the same time? The answer is no, the deduction standard of mortgage interest is 1 000 yuan per month, but the deduction standard of rent is different in some cities, and the deduction standard in some cities is 1, 500 yuan. Therefore, it is suggested that if there are two deductions at the same time, the property is located in a municipality directly under the central government, a provincial capital city and a city with separate plans, and the rent deduction level is 65,438+0, and 500 yuan can choose the rent deduction and enjoy a bigger bonus.

How to operate the mortgage interest deduction tax? These materials need to be submitted!

; ? Last Saturday, the detailed rules of the special additional deduction policy were released, adding six items that can be deducted from tax, including mortgage interest. So how to operate the mortgage interest deduction tax? Let's talk to you today. If you are interested, please continue reading.

How to deduct the mortgage interest?

According to the newly revised tax law, the deduction of mortgage interest tax means: if you use commercial loans or provident fund loans to buy the first suite, during the loan repayment period, there will be a standard fixed deduction of 65,438+02,000 yuan per month, which is equivalent to 65,438+0,000 yuan of income per month without tax. Each taxpayer has only one deduction opportunity (only the loan interest of the first home can be deducted). In addition, the interest on the first home loan can be deducted by one of the spouses (the deduction method cannot be changed within a tax year).

How to operate the mortgage interest deduction tax?

1. Submission

Taxpayers can submit materials to the tax authorities themselves, or withholding agents (such as unit accountants) can submit materials to the tax authorities. The information includes the personal identity information of taxpayers, spouses, minor children and dependent elderly people, as well as other information related to mortgage interest deduction stipulated by the State Council tax authorities.

2. Information verification

Housing and urban-rural construction departments assist in verifying the repayment expenditure information of housing provident fund loans of housing provident fund management institutions, natural resources departments assist in verifying real estate registration information, People's Bank of China and financial supervision and management departments verify the repayment expenditure information of housing commercial loans, and public security departments verify identity information.

It is worth noting that if the taxpayer does not provide or fill in false information, the relevant departments need to inform the taxpayer to remind him to correct it. If the same situation is found again within five years, it will be included in the taxpayer's credit record.

Summary: The specific operation of deducting individual tax from mortgage interest is probably these. The relevant rules are only draft for comments and will not be implemented until next year. 1, 1. At that time, it will be more clear which department to declare and which materials to submit, so stay tuned.

Personal income tax mortgage loan details

Mortgage tax deduction refers to deducting mortgage interest from wages before paying taxes. Many countries have implemented mortgage tax relief. Specific rules: 1, calculation method Monthly salary should deduct monthly loan repayment interest before tax. Because the base has become smaller, the tax to be paid has also decreased a lot. In this way, the monthly salary can be more. 2. Prepare application materials. If you want to apply for mortgage tax deduction, you must go to the relevant government department. Of course, you need to prepare application materials when you go to the relevant departments for formalities. What information do you need to prepare? Application form, house purchase certificate, ID card, tax payment certificate, property owner's bank card and real estate license. 3. Benefits For individuals, the benefits are obvious, and the actual salary will be more than the original. For the government, the policy of using mortgage to offset tax can effectively alleviate the local tax pressure of local governments. 4. Scope of application The scope of application of the mortgage tax credit is limited. Mortgage is divided into commercial loans and provident fund loans. If it is a commercial loan, you can't enjoy the preferential tax deduction for mortgage loans. Because this rule can only be applied to part of the loan interest for provident fund loans. In the form of tax refund, some people say it is directly reflected in wages, but there are also reports that it is in the form of tax refund. In other words, everyone only needs to go through the formalities with relevant documents, and this part of the money will be returned to the taxpayer's account.