There are two personal income tax deduction rates for housing loans, 50% for one spouse and 100% for one spouse. You can choose according to your actual situation. The specific operation method is as follows: log in to the individual tax mobile APP, enter I want to do tax, click on the deduction declaration, select the deduction year, click on the housing loan interest, fill in the basic information and mortgage information, click on whether I am a borrower, select Yes, click OK, select whether to deduct 50% from the quota, click Yes or No, and finally click OK. After selecting the deduction ratio, click Next, select the declaration method and submit it.

Operating environment:

Brand model: Glory x30 Max

System version: magic UI 5.0

App version: v 1.7.9

Tax deduction standard for mortgage loan:

First of all, the two figures must be clear. One is the monthly deduction amount 1 1,000 yuan, and the other is the longest deduction period of 240 months. Secondly, the number of housing units is needed. Only the first home loan can enjoy the special deduction of housing loan interest, which can be a personal mortgage before marriage or a house with a loan after marriage. For example, if you sell the first suite before buying it, because you have enjoyed the interest rate of the first home loan before, it may not be within the scope of declaration. You should ask the bank you borrowed. There is also whether you are eligible to declare a tax deduction, that is, your monthly income reaches 5000 yuan or your annual salary reaches 60000 yuan.

After the borrower repays all the loans in advance, the original individual housing loan contract of Jiabao is also terminated in advance, and the mortgage can also be refunded. According to relevant regulations, the borrower can pay off the loan in advance with the original insurance policy and loan certificate, and return the premium paid in advance to the insurance company on a monthly basis. Paying off the loan in advance and returning the insurance premium must be based on whether the original house is an existing house or an auction house, the actual term of the insurance premium of the auction house (the insurance term of the auction house exceeding half a year is generally calculated by 1 year minus the loan term), the discount rate of the original one-time payment of insurance premium and the quick calculation coefficient.

The calculation formula is: paying off the loan in advance and returning the insurance premium = the present value of the insurance premium paid when returning in advance-the present value of the insurance premium occupied before returning in advance. When purchasing a commercial house, all the refundable family members should be written into the purchase contract as real estate owners, and immediately after signing the agreement and paying the house price, they should apply for "deducting the personal income tax paid by the buyer" and obtain my General Tax Payment Book. If you repay all the loans in advance, you can get the real estate license, and promise to go to the tax authorities for tax refund within 6 months after completing the real estate license.