1. Download and register the personal income tax APP to ensure that the real-name registration has been completed.
2. Click "I want to do tax" on the homepage of the APP.
3. Select "special additional deduction declaration", and then select "housing loan interest" option.
4. Select the deduction year (such as 2024), and then click the "Prepare" button to enter the report.
5. Fill in the housing information and loan information according to the prompts, and select the deduction ratio after confirmation (usually there are two options: 50% and 100%).
6. After confirming the tax refund information, select the bank card for tax refund and submit the application.
7. Bind your bank card in the personal center, so that the tax refund can be directly credited to the account. In addition, users may need to prepare relevant documents when filling in, such as house purchase contract and loan contract, so as to upload them. It should be noted that only one of the two special additional deductions for housing loan interest and housing rent can be declared. If the user has declared the special additional deduction in 2024, he can directly apply for the annual tax refund of comprehensive income.