No need:

Because the mortgage tax rebate has nothing to do with wages, as long as there is a mortgage payment, it will be refunded.

What conditions do mortgage tax rebates need to meet?

The conditions for mortgage tax refund are as follows:

1, first of all, you have to pay personal income tax, and only when you pay the tax first (the threshold is 5000 yuan) will you get a tax refund;

2. It must be that the interest on the first home loan can be deducted;

3. For a house bought by both husband and wife, it can only deduct one party's tax. Changes cannot be made within one year after tax selection;

4. If you buy a house but still rent it, you can only choose one of "housing loan interest" and "housing rent";

5. The period for applying for tax refund is 65,438+0 years after the first repayment month. If the application is made within 3 months after the first repayment month, it will automatically become invalid (for example, the repayment time is 20,265,438+0 years in February, which is exactly 65,438+0 years).

How to fill in the personal mortgage tax refund information?

1. Fill in your personal data. Users enter the homepage of personal income tax APP, and then find the column of "housing loan interest" to fill in the materials. Generally, there will be window prompts, so I won't go into details here;

2. Fill in personal basic information and mortgage information. Personal information will be automatically retrieved at the time of registration, and mortgage information needs to be filled in according to the sales contract of the house.

3. Fill in more detailed mortgage information. Including deducting the year and the loan method of the house. After choosing the loan method, you will be asked to fill in the details of the loan method. For example, housing provident fund loans should be filled out according to the provident fund loan contract. These materials can be found in the loan contract;

4. Fill in the spouse information. If the user is not married, you can skip it directly;

5. There are two ways to declare: through withholding agents and self-declaration of comprehensive annual income. The difference between them is that the withholding agent is responsible for the declaration and the monthly salary will be withheld and remitted. If this option is selected, company information will be reported.

What does the mortgage tax rebate mean?

Mortgage tax rebate means that according to the relevant provisions of personal income tax, when calculating the annual personal income tax, if you meet the special additional deduction requirements of housing loan interest, you can apply for mortgage tax rebate. When applying for mortgage tax refund, we must first meet the standard of individual tax payment, and only after paying a tax can we apply for tax refund. Secondly, property buyers need to buy the first house through loans to enjoy it.

Legal basis: Article 17 of the Law of People's Republic of China (PRC) on the Administration of Tax Collection.

Taxpayers and withholding agents who fail to file tax returns or submit tax withholding and collection reports on time may postpone the processing with the approval of the tax authorities.

Is it okay if the mortgage tax refund salary is not 5000?

If your salary is not 5000 pounds, you have no tax reduction at all. If you haven't deducted the tax at all, you can't get a tax refund no matter what conditions you have, because you haven't paid the tax at all, so how can you get a tax refund?

Conditions for tax refund of personal mortgage loan

Mortgage loans can be refunded under the following circumstances:

Mortgage tax rebate requires taxpayers to meet the tax payment threshold first, with a monthly income of 5,000 yuan or an annual income of 60,000 yuan. And when calculating the personal annual income tax, the special additional deduction of mortgage interest expenses meets the requirements, and the mortgage tax refund can only be applied if there is no tax deduction before.

Among them, the special additional deduction of mortgage interest requires that the housing be the domestic housing purchased by the taxpayer himself or his spouse through provident fund loans or commercial loans, and enjoy the first home loan interest rate. The status is repayment, and the repayment time does not exceed 240 months. The monthly fixed deduction is 1 1,000 yuan.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are: urban residents are used to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, have a down payment of 30% of the funds needed for house purchase, and have a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.