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Whether I am a borrower refers to whether the applicant is a borrower, and refers to myself, that is, the person who initiated the declaration, rather than whether the spouse is a borrower.

For example, when Xiao He and his spouse borrow money to buy a house, Xiao He should choose "Yes" in the column of "Am I a borrower" in the spouse information office when applying for tax deduction of housing loan interest, because he is a borrower himself.

This "I am the borrower" should choose "Yes" or "No" according to the actual situation, that is to say, when the person who declares the deduction of housing loan interest is the borrower, it should choose "Yes". If it is your own loan, and you and your spouse have the same loan, it belongs to the borrower, so choose "Yes" in the column of "Am I a borrower" when you declare.

However, if the loan is not made by you, but by your spouse, then you should choose "No" in the column "Am I a borrower" when you declare.

1. Information required for personal mortgage tax refund:

In the declaration procedure, the property owner shall apply to the District Finance Bureau where he pays individual income tax, and provide the following information:

1. Written application of the property owner. Property owners should declare in line with the principle of honesty and law-abiding, explain the relevant situation and clearly explain whether the house purchased for the first time in the main city of Chongqing, whether they enjoy the relevant government support or incentive policies for personal income tax in the main city of Chongqing, and whether the information provided is true and legal;

2. The first-time (including improved) purchase certificate issued by the real estate transaction management institution where the house is purchased;

3. A copy of the ID card (leave a copy of the original inspection);

4. A copy of the house title certificate;

5. Housing mortgage contract signed by the property owner and the bank (review the original and keep a copy);

6. Proof of payment of mortgage principal and interest recognized by the mortgage bank.

Second, the mortgage tax refund process:

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.

Can I get a tax refund after paying off my mortgage?

Legal analysis: Yes. Tax refund for personal purchase or real estate tax. The application for mortgage tax refund will be received within three working days at the earliest and thirty working days at the slowest. If you haven't received the tax refund after more than 30 working days, or the system still doesn't prompt that the tax refund failed, it is recommended to contact the tax bureau quickly. Mortgage tax rebate needs to be declared and then passed the tax audit. After the treasury is successfully handled, the money will be returned to the bank card provided by the taxpayer. Taxpayers who need tax refund can declare through online declaration, centralized declaration, entrusted declaration, postal declaration and tax service hall. Whether the housing loan can be refunded requires two conditions: 1. Since the tax threshold is 5000 yuan, personal income tax will be levied only after reaching this standard, so only after paying a tax can you qualify for tax refund. 2. Both husband and wife must have only one property in the tax market, and the property is mortgaged to buy a house.

Legal basis: Interim Measures for Special Additional Deduction of Individual Income Tax

Article 14 If taxpayers or their spouses use individual housing loans from commercial banks or housing accumulation funds alone or jointly to buy houses for themselves or their spouses in China, the interest expenses incurred from the first housing loan shall be deducted according to the standard quota of RMB 1 000 per month in the year when the loan interest actually occurred, and the maximum deduction period shall not exceed 240 months. Taxpayers can only enjoy a first home loan interest deduction. The term "first home loan" as mentioned in these Measures refers to the housing loan that enjoys the interest rate of the first home loan when buying a house.

Fifteenth agreed by both husband and wife, can choose to be deducted by one of them, the specific method of deduction shall not be changed within a tax year. For the first set of housing loans that occur when the husband and wife buy houses separately before marriage, they can choose to buy 1 house after marriage, and the buyer will deduct it according to the deduction standard of 100%, or the husband and wife will deduct it according to the deduction standard of 50%, and the specific deduction method cannot be changed within one tax year.

Can the mortgage be refunded?

The loan to buy a house can be refunded, but the loan must be paid off before the tax refund can be made. After paying off all the loan principal and interest, you can cancel the mortgage at the district/county real estate trading center where the property is located with the bank loan settlement certificate of the collateral and other real estate rights certificates.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Loan application information:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

note:

First, the loan can only be made if there is collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

Two, a long-term and stable source of income, enough to pay the monthly loan principal and interest;

3. Guarantor;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.

Loan amount:

1. residence: the maximum loan amount can reach 70%-80% of the appraised price.

2. Apartment: The maximum loan amount shall not exceed 60% of the appraised price.

3. Villa residence: The maximum loan amount shall not exceed 70% of the appraised price.

4. Commercial house: The maximum loan amount shall not exceed 60% of the appraised price.

Is there a tax refund for mortgage?

Legal analysis: If you apply for a mortgage tax refund within one year from the first repayment month, and don't apply for a tax refund within three months after the first repayment month, it means that you give up automatically. There is no tax refund for mortgage, but it needs to meet certain conditions and meet the tax refund procedures. For example, you need to pay a tax. At the same time, you need to submit a tax refund application within the tax refund application cycle, usually within three months after the loan repayment of 1 is over one year, and you should also meet the needs of both husband and wife for the only local housing. The fee refund policy introduced this time can not only reduce people's living costs, but also be a preferential policy generally adopted at present. Eighty-two countries around the world have implemented the tax deduction policy for mortgage interest, which not only optimizes the tax system, but also reduces the burden on families. However, in terms of tax deduction in China, the concept of the first home loan is relatively clear. If it is not the expenditure of interest on the first home loan, then the tax cannot be deducted. Each taxpayer can only enjoy the interest deduction of the first home, and the husband and wife can deduct one of them after consultation, which cannot be changed within one tax year.

Legal basis: Measures for the Administration of Individual Housing Loans

Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

Article 8 The loan amount issued by the lender shall not exceed the value of the house purchased by the real estate appraisal agency.

Article 9 If an applicant applies for using the housing provident fund loan to purchase a house, after the loan application is approved, the lender will transfer the funds to the bank account opened by the selling unit according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members.