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Whether the year for housing loan interest deduction is 2021 or 2022?

Fill in 2021 for housing loan interest deduction year. It is now 2022, and if you apply in 2022 and choose the year to deduct the housing loan interest, then the year we choose to deduct should be 2021, so fill in 2021 as the year to deduct the housing loan interest. Loan interest refers to the principal amount borrowed from the bank at the bank interest rate.