The first step is to open the personal income tax APP and click the personal center in the lower right corner to log in and register;
Step 2, click I want to do tax, and select special additional deduction to fill in;
The third step is to choose the interest of housing loan;
Step 4, choose 202 1 year;
Step 5, prepare the property right certificate (property right certificate, house sales contract) and loan contract (loan contract number is required);
Step 6, fill in personal basic information and loan information;
Seventh, submit information to confirm the tax refund amount;
Finally, bind the personal bank card and transfer the money directly to the bank card when the tax refund is made.
The above is about how to operate the mortgage tax refund process. If the online operation is not good, you can also bring the relevant preparation materials directly, and then provide a bank card number and go to the tax bureau near your home to handle it.
Extended data:
Mortgage loan refers to a loan business carried out by mortgage. For example, housing mortgage loan is a personal housing loan business that buyers use the purchased housing as collateral and the real estate enterprises that purchase housing provide regular guarantee.
The so-called mortgage means that the mortgagor transfers the property rights of the house to the mortgagor, and the beneficiary, as the repayment guarantor, transfers the property rights involved to the mortgagor immediately after the mortgagor pays off the loan, and the mortgagor enjoys the right to use in this process.
Loan process
(1) application. The customer submits a written loan application to the bank and submits relevant materials.
(2) sign a contract. After receiving the loan approval notice from the bank, the loan applicant shall sign a loan contract and a guarantee contract with the loan bank, and handle notarization, mortgage registration, insurance and other related procedures as appropriate.
③ Open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account or a savings card or credit card account at the business outlets designated by the lending bank for repayment. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
(4) issuing loans. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
⑤ Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. There are two repayment methods to choose from: entrusted deduction and counter repayment.
(6) Loan settlement includes early settlement and normal settlement.
Early settlement refers to the settlement of the loan (one-time repayment of principal and interest) or the last loan (installment loan) before the loan maturity date; Normal settlement refers to the settlement of the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment loan).
If the loan is settled in advance, the borrower shall submit an application for early settlement to the loan bank 10 working days in advance after paying off all payables.
After the loan is settled, the borrower receives the "loan settlement certificate" from the loan bank, retrieves the mortgage registration certificate of real estate ownership and the original insurance policy, and goes to the original mortgage registration department for mortgage registration cancellation with the "loan settlement certificate" issued by the loan bank.