There is no tax on housing loans. Users don't need to pay personal income tax when buying a house with a loan, because this is a house purchase, not a house sale, and personal income tax will only be paid if the house purchase price to be sold is higher than the house purchase price repurchased. The above is the relevant content of mortgage tax.

What does the special additional deduction for individual tax mean?

The special additional deduction of individual tax is the corresponding requirement of individual income tax in China's tax laws and regulations. In fact, it refers to the deduction of children's education expenses, loan interest on housing loans or housing rental expenses and maintenance expenses as special additional items of personal income tax, so as to implement the relevant policies of the latest tax law in these ways. This policy can improve the irregular part of personal income tax and reduce the tax payment pressure of taxpayers. Let the taxpayer's specific income increase, improve the living standard and happiness of residents, stimulate the initiative of residents' consumption and then promote the development of the national economy.

Introduce personal income tax rebate for mortgage loans

First of all, users should know that the category of special additional deduction for personal income tax housing loans is generally the first housing loan under the user name or the husband and wife's joint name, whether it is a commercial loan or a housing provident fund loan. According to the fixed deduction of 65,438 yuan+0,000 yuan per month, that is, 65,438 yuan+0,2000 yuan can be deducted every year for up to 240 months. You can choose either husband or wife to deduct. If you have the first loan before marriage, you can choose one party to deduct it in full or in half. From the month of loan repayment agreed in the contract to the month of loan contract settlement, the deduction period shall not exceed 240 months at most, that is, if the loan period is 30 years, the deduction period shall only be 20 years at most. After reaching the tax refund standard, users can go to the local tax service hall or the surrounding tax bureaus to handle it. Apply for tax refund between March 1 day and June 30 of the second year after the end of the previous year. After the tax refund procedure is completed, the money will be remitted to the user's bank card. It should be noted that if you can apply for housing loan tax refund one year after the first repayment month, if you don't apply for housing loan tax refund within three months after one year, it means that the user will automatically give up the tax refund. This article is mainly about the knowledge of whether there is tax on mortgage, and the content is for reference only.