According to the regulations, it is deducted at a fixed rate of 1000 per month, and the tax of 12000 can be refunded in one year. For applying for mortgage tax refund, it will be deducted according to the standard of 1000 per month. If calculated, the tax of 1.2 million can be reduced or exempted for one year. Is a married person, both parties bought the first suite with a pre-marriage loan, and each party deducted 50% of the standard rent, that is, the monthly 500 yuan. After one year, each person deducted 6000 taxes and fees. The husband and wife agree that the buyer will deduct 100% of the standard rent when choosing a house.

Can the mortgage be fully paid off after one year?

Under normal circumstances, the house purchased by loan can be repaid in one lump sum or in advance after one year, but it must be guaranteed that it has been one year, and then the cooperative bank can go through the formalities of one-time repayment, and the bank can make early repayment only after it is approved successfully. However, some banks will charge additional liquidated damages for early repayment, and different banks have different regulations on early repayment, so it is necessary to consult the cooperative banks for details. Under normal circumstances, normal one-time repayment can be made, but it still needs to be determined according to the actual situation.

Is there a penalty for paying off the mortgage?

1, China Construction Bank, the prepayment of the loan is less than one year, and 3% of the prepayment amount is charged. If the loan is repaid one to two years in advance, 2% of the prepayment amount will be charged. If the loan is repaid two to three years in advance, 1% of the prepayment amount will be charged.

2. Agricultural Bank of China, if the loan is less than one year, it will be charged by multiplying the principal by the monthly interest rate, that is, dividing the annual interest rate of the loan by 12 months, and then deducting the repayment time. Apply for early repayment after one year of loan. As long as there is no record of prepayment before, no penalty will be charged. If you have already had the experience of prepayment, you can apply again one year later without any penalty.

3. ICBC, if the loan is less than one year and applies for prepayment, 5% of the prepayment amount will be charged as liquidated damages. Apply for early repayment after one year of loan, and no penalty will be charged.