1. Provide proof of the first house. If both husband and wife own two or more houses, they cannot apply;

2. With the purchase contract and the down payment invoice, issue a personal income tax payment letter in the financial department of the unit, and keep the copy and the original, and then register after handling the property right certificate;

3. If the title certificate has been mortgaged in the bank, you need to go to the bank to issue relevant certificates, and provide the date of issuance of the title certificate and a copy of the title certificate stamped with the official seal;

4. Proof of payment for house purchase issued by the loan bank, and print the monthly repayment flow;

5. After the property tax process is completed, go to the local transaction for tax refund registration. After completion, wait for the account to arrive.

Mortgage prepayment process:

1. The repayment person refers to the loan contract signed when purchasing the house to inquire whether it is necessary to pay liquidated damages;

2. The repayment person calls the bank in advance to make an appointment to handle the prepayment business;

3, according to the requirements of the loan bank to the relevant departments for early repayment;

4. The repayment person carries relevant information to the bank counter to handle the prepayment business;

5. The repayment person shall pay the amount due for prepayment in full (including possible liquidated damages);

6. After the mortgage is fully paid off, you can go through the escort formalities.

To sum up, it should be noted that if you apply for mortgage tax refund within one year from the first repayment month, and you don't apply for tax refund within three months from the next month after one year, it means that you will give up automatically.

Legal basis:

Article 5 of People's Republic of China (PRC) City Real Estate Management Law

Real estate owners shall abide by laws and administrative regulations and pay taxes according to law. The legitimate rights and interests of real estate owners are protected by law, and no unit or individual may infringe upon them.

Article 6

In order to meet the needs of public interests, the state can expropriate the houses of units and individuals on state-owned land, and give compensation for demolition according to law to safeguard the legitimate rights and interests of the expropriated people; Expropriation of individual houses should also guarantee the living conditions of the expropriated person. Specific measures shall be formulated by the State Council.