Conditions to be met for mortgage tax refund:

1. The property used to apply for tax refund must be the house purchased by myself or my spouse in China;

2. The loan for real estate application belongs to the first home loan, and it is still being repaid in the year of Sun Bu deduction;

3. Users can only choose one of the tax deduction for housing loan interest or the tax deduction for housing rent.

if the user meets the above three conditions, the property can apply for tax deduction. Please note that tax deduction needs to be applied once a year.

personal income tax can be refunded for mortgage loans, but certain requirements need to be met. The family must be the only house and have paid personal income tax. There are also certain requirements on the time for applying for tax refund. One year from the first repayment of the loan is a cycle, and at the same time, the tax refund application is made within three months from the next month after the expiration of one year. If the application is not made within this period, it means automatic abandonment. When you apply for personal income tax refund on mortgage, you need to prepare the first home certificate, and at the same time, you need to prepare the loan certificate issued by the loan bank to stimulate the car and repay the flow, and go to the company to apply for the tax payment certificate, or issue it at the tax authorities, and then go to the tax office to declare the tax refund in the administrative area hall. After submitting the relevant materials, you should prepare a bank card as much as possible, so as to facilitate the collection after the tax refund. Tax refund also reduces the loan pressure of buyers, which is undoubtedly good news for homeowners with a lot of mortgages. Moreover, according to the current temporary method of new tax, no matter how long the loan has been repaid before, it will be deducted for up to 2 years, but it will not exceed the actual repayment period.

how to operate the house tax refund?

1. It meets the requirements of special additional deduction of housing loan interest. The special deduction of housing loan is deducted according to the standard quota of 1 yuan every month, and the longest deduction period cannot exceed 24 months.

2. Users meet the taxpayer standard, because only users who have paid individual taxes can apply for tax refund.

3. Only those who need to purchase the first house in Ming Kai through the loan can enjoy the tax refund.

4. A full year is regarded as a tax refund cycle from the first repayment month.

Legal basis:

Interim Measures for Special Additional Deduction of Individual Income Tax

Article 14 If a taxpayer or his spouse uses a personal housing loan from a commercial bank or housing accumulation fund to purchase a house in China for himself or his spouse, the interest expenses incurred on the first housing loan shall be deducted according to the standard of 1 yuan every month in the year when the loan interest actually occurs, and the maximum deduction period shall not exceed 24 months. Taxpayers can only enjoy the interest deduction of the first home loan once. 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.