The following are the general operating steps of housing loan tax refund:
1. Confirm the annual interest amount of the housing loan: At the end of each year, the bank will provide the lender with an annual interest certificate of the housing loan. Lenders need to confirm their annual interest amount according to this certificate.
2. Personal income tax declaration: according to the annual interest amount of the lender, it is necessary to fill in the personal income tax declaration form and submit the declaration form and the corresponding taxes and fees to the local tax bureau.
3. Waiting for tax refund: After the personal income tax is declared, the lender can check his tax refund information through the system of the bank or the tax bureau if there is interest deduction or mortgage repayment principal deduction that meets the tax refund requirements. Personal income tax refund will be received within a certain period of time after declaration.