1. How to handle the mortgage tax-there are two ways to make a mortgage, one is a loan and the other is a commercial loan. Mortgage credit is only applicable to provident fund loans. Therefore, everyone must not deduct the commercial loan part when calculating. If you use a pure commercial loan, then of course it can't be deducted.

2. How to handle the mortgage tax deduction-wages need to meet the tax payment standard. Not everyone needs to call personal income tax. At present, the starting tax salary in China is 3,500 yuan. Those less than 3500 yuan do not need to pay taxes, and of course, the mortgage can not be deducted from personal income tax. The calculation method of mortgage tax deduction is actually to subtract the monthly mortgage tax from the original calculation formula, and then multiply it by the tax rate.

3. How to handle the mortgage tax deduction-Deduction by tax refund For employees who are at work, personal income tax is paid by the enterprise in a unified way, without personal handling. However, the purchase of houses is separate from the enterprise, and the monthly interest may be different due to different repayment methods such as equal principal and interest or average capital. Therefore, if the mortgage is deducted from the tax, the lender needs to take his own bank flow to the relevant departments for tax refund.

4. How to deal with the mortgage tax deduction-the purchase information needs to be kept at the time of purchase, and the bank loan contract and other documents prove that you have bought a house, and these materials must be prepared. This will help the relevant institutions to review whether you are eligible for personal income tax by mortgage, and it will also help the process of tax deduction to go on smoothly.

5. How to handle the mortgage tax deduction-you need to issue a tax payment certificate because the mortgage tax deduction is likely to be in the form of tax refund, so you still need to pay taxes according to the original standard in the early stage. Then, when you apply for tax refund, you must of course provide proof that you have paid the tax. The tax payment certificate can be inquired by the tax bureau or the records can be found in the center, which can be entrusted to the personnel of the company.

Legal basis:

Article 35 of the Measures for the Administration of Individual Housing Loans

If the borrower is under any of the following circumstances, the lender shall hold the borrower liable for breach of contract according to the relevant provisions of the General Rules for Loans of the People's Bank of China:

1. The borrower fails to repay the loan principal and interest on schedule; 　　

Two, the borrower provides false documents or information, which has caused or may cause loan losses; 　　

3. Without the consent of the Lender, the Borrower dismantles, sells, transfers, donates or repeatedly mortgages the property or rights and interests with mortgage or pledge; 　　

4. The borrower arbitrarily changes the purpose of the loan and misappropriates the loan; 　　

Five, the borrower refuses or obstructs the lender to supervise and inspect the use of loans; 　　

Six, the borrower and other legal persons or economic organizations signed a contract or agreement that is detrimental to the rights and interests of the lender; 　　

VII. The guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, the collateral is not enough to pay off the principal and interest of the loan due to accidental damage, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, while the borrower fails to implement the new guarantee or new mortgage (pledge) as required.