First of all, there are two ways for borrowers to apply for mortgage tax refund. One is to declare through withholding agents, and the other is to declare by oneself in the year of comprehensive income.

The withholding agent's declaration advantage: he can enjoy special tax deduction every month; Disadvantages: the unit is responsible for reporting, which will involve personal privacy. Advantages of annual self-declaration of comprehensive income: protection of personal privacy; Disadvantages: you don't enjoy the special tax deduction every month, and you can only return it in the second year.

Extended data:

Detailed explanation of mortgage tax refund application process in app

1. Download the personal income tax APP- Enter the personal center for real-name registration (please log in directly for registration)-Fill in the personal information and employment information correctly and bind the bank card-Enter the tax page, click the special additional deduction to fill in-Choose to deduct the annual and housing loan interest.

2. Prepare relevant materials according to the prompt information, fill in the form (you can choose one of the property right certificate, real estate registration certificate, commercial housing sales contract and pre-sale contract)-then choose the property right certificate, fill in the loan contract number and house address according to the prompt-choose the deduction year, choose the loan method and fill in the loan information.

The above information can be found in the loan contract, or you can call the bank's customer service phone to inquire. If it is a provident fund loan, you can consult the provident fund center.

3. Next, fill in the spouse information. If not, go directly to the next step-choose whether to choose the deduction ratio with the borrower and choose the declaration method-declare the comprehensive annual income through the withholding agent or declare it by yourself-and click Submit after completing the above steps.

4. Finally, enter the tax payment page again, click on the annual final settlement of comprehensive income-click on the tax refund to apply for, you can view the detailed information of the application record and finally click on the tax refund application to complete.

First, the application conditions for housing loans

1. Applicants need to have legal residence status, permanent residence or proof of residence status of urban residents, so it is best to buy a house in the location of your residence or the city where you live now.

2. The age must be 18 years old.

The applicant must have a legal and fixed job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time.

4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank.

The applicant's credit should be good.

Second, the housing loan application materials

1. Applicants should prepare their own identification documents, that is, valid identification documents;

2. Prepare your own residence certificate, such as household registration book or valid residence certificate;

3. Prepare your work certificate and income certificate;

4. Prepare your own House Sales Contract and related documents;

5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate.

What if I can't choose the tax refund year?

What if I can't choose the tax refund year?

1. Check your income tax details first.

Because you need to fill in the declaration manually later, you need to look at the income tax details and classify each income source.

Step 2 fill in the declaration form

Click "I want to pay taxes", then click the annual calculation of comprehensive income, and finally select the reporting year. If you have special items to deduct, such as mortgage, children's education expenses, house rent, etc. Then fill in these and declare.

How to choose the deduction year for the tax refund of the house bought on 20 15?

The deduction year is generally the previous year.

When taxpayers apply for special additional deduction of mortgage interest tax, the deduction year is generally the previous year.

I have applied for tax for one year, but I haven't finished that year. Therefore, users can only apply for a tax refund for the previous year. And the time of tax refund next year, users can choose to refund tax this year.

What is the deduction year of mortgage tax rebate? 19 or 22 years?

The personal income tax rebate in 2009 can be corrected by 65438+20 years.

When I gave my colleague a tax refund of 2 1 year, I found that his 20-year special supplement was not filled in, and 19 was filled in less. After some practice, I have returned thousands of dollars in the past two years.

Matters needing attention: 1. When filling in the special additional deduction, the year must correspond, and it must be re-filled every year. Second, go back to the home page and do the annual calculation of comprehensive income. Pay attention to whether there is data for the special additional deduction.

The third step, if there is a one-time bonus income throughout the year, the tax refund is different under different circumstances. In some cases, the bonus tax is calculated by comprehensive income for the whole year, so the tax refund is more. In some cases, it is best to choose a one-time bonus tax method. Everyone's situation is different, you can try more.

If it is the revision of the previous year, please note that the number of revisions is limited. First, you need to fill in the corresponding year for the special items of 19 or 20 years, and then do the tax refund #202 1 year personal income tax refund.

Not all taxpayers need to handle the annual settlement, and only taxpayers who meet one of the following circumstances need to handle the annual settlement:

1.20 19 year's advance tax is greater than the annual tax payable, so apply for tax refund.

2.20 19, the comprehensive income exceeds120,000 yuan, and the amount of tax payment exceeds that of 400 yuan.

The specific calculation formula is as follows:

20/kloc-tax payable or tax refund in 0/9 = [(comprehensive income-60,000 yuan-special additional deductions such as three insurances and one gold-special additional deductions such as children's education-other deductions determined according to law-donation) × applicable tax rate-quick deduction]-20 19 withholding tax.