According to the Notice of the State Council Municipality on Printing and Distributing the Interim Measures for Special Additional Deduction of Individual Income Tax, the special additional deduction of housing loan interest is fixed at 1 000 yuan per month, regardless of how much loan interest taxpayers actually pay each month, the special additional deduction is fixed at 1 000 yuan, and the maximum deduction period is no more than 240 months.
If it is the first housing loan that occurs when the husband and wife buy houses separately before marriage, they can choose to buy 1 apartment after marriage, and the buyer will deduct it according to 100% of the deduction standard, or the husband and wife will deduct it according to 50% of the deduction standard.
First, online lending.
Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.
The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
Second, investment risk.
Qualification risk
Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from several hundred million to more than one billion or even billions. Moreover, registered capital is not used for doing business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought platform virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.
Managing risk
Peer-to-peer lending seems simple, but it is actually a more complicated model than financial institutions such as banks. P2P online lending is a new industry and an innovative model of the financial industry. Its development process is only a few years, and the market has not yet reached a mature stage. Many investors and borrowers do not treat this kind of financial product correctly, but only pursue high returns, while those who need funds rush to tx.
Let's go As an online loan company itself, because the original intention of its establishment is only to make profits, its organizational structure lacks professional credit risk management personnel, and it is difficult to grasp and deal with the problems in the operation of the platform, resulting in a large number of bad debts, and finally it can only close down.
Capital risk
Paying attention to a P2P online lending platform is also crucial for investors' capital flow. Many online lending platforms not only do not use third-party fund management platforms, but also can use investors' funds. In particular, some online lending platform bosses borrow tens of millions from the platform for their own operations, so as to realize self-borrowing and self-use. The risks are not controlled by anyone and are not borne by anyone. The huge financial risk hidden behind it can only fall on investors, which is why many platforms can run away. At present, the safest way is to put investors' funds on the third-party payment platform for supervision. As a platform, it is necessary to strictly control the use of funds by investors. Only in this way can investors' funds be given. "
How much can personal income tax with mortgage be reduced?
Personal income tax can be deducted every month 1000 yuan.
To apply for special additional deduction of housing loan interest, a fixed deduction will generally be made according to the standard of 1000 per month, and the maximum deduction period will not exceed 240 months (note that taxpayers can only enjoy the first home loan interest deduction once).
Of course, if you are married and both husband and wife bought a house before marriage, then after marriage, you can choose to deduct a set of houses you bought separately according to the deduction standard of 100%, that is, 500 yuan per month.
How much tax can be deducted from a 6000 mortgage? Can the mortgage tax only be 1000 a month?
Tax is personal income tax. Many things in everyone's life are related to a tax. I don't know if you know this. In fact, taxes can be deducted in many ways. Bill, your mortgage can be used for tax deduction. Then, how much tax can a mortgage of 6000 be offset, and the mortgage tax can only be 1000 a month? Come and find out!
How much tax can be deducted from a 6000 mortgage?
In the newly revised Individual Income Tax Law of People's Republic of China (PRC), the meaning of deducting individual housing loan interest from the six new special additional deductions is that not all the mortgage amount of an individual's first suite can be deducted in full, but the interest in the repayment of principal and interest of the housing loan for up to 240 months is deducted in a fixed amount, that is, 1 000 yuan is deducted every month regardless of the individual's monthly repayment. This is a national unified regulation. If there is no mortgage repayment, there will be more deductions and less deductions.
Can the mortgage tax only reach 1000 a month?
The mortgage tax can only reach 1000 per month. This amount is stipulated by the state, and it is a special privilege enjoyed by every taxpayer after purchasing the first house, so the amount that can be deducted every month is also fixed, and it is not something that banks or individuals can change at will. Mortgage tax deduction is a special privilege given by the state to taxpayers, but it can only be enjoyed when purchasing the first house mortgage. If you buy a house in the future, you won't get this treatment.
What is the standard of mortgage tax deduction?
Mortgage tax deduction can only be handled when each taxpayer buys the first house. If the husband and wife jointly buy a house, or buy a house before marriage, and both of them jointly repay the loan after marriage, they can choose one person to bear the deduction of 100%, or they can choose both husband and wife to bear 50%. However, if you want to make adjustments halfway, you must go through the tax deduction formalities for one year before you can make any changes.
Mortgage tax deduction is a privilege and convenience provided by the state to taxpayers, but the term of this special deduction of loans cannot exceed 240 months, that is, 20 years. Generally speaking, the repayment period of mortgage will not exceed 20 years, so this service can be repaid by mortgage.
How much tax can be deducted from a 6000 mortgage, and the mortgage tax can only be 1000 a month? All the contents are arranged here for everyone. Nowadays, mortgage is no stranger in our life. Many people will get loans when they buy a house, and naturally they will have mortgages. We should also understand that mortgage loans are tax deductible.