First of all, if the borrower chooses to apply for a mortgage tax refund, there are two ways to apply. One is to declare through the withholding agent, and the other is to declare the comprehensive income by yourself on an annual basis.

Advantages of withholding agent declaration: You can enjoy special personal tax deductions every month; Disadvantage: The unit is responsible for declaration, which involves personal privacy. Advantages of annual self-declaration of comprehensive income: protection of personal privacy; Disadvantage: no special monthly personal tax deductions, which cannot be refunded until the second year.

Extended information:

Detailed explanation of the tax refund application process for Fangzaoyan Bureau Loan on the APP

1. Download the personal income tax APP-enter the personal center to register with your real name (already If you are registered, please log in directly) - correctly fill in your personal information, employment information and bind your bank card - enter the tax processing page, click on the special additional deduction report - select the deduction year and housing loan interest.

2. Prepare relevant materials according to the prompt information and enter the form (choose one of four property rights certificates, real estate registration certificates, commercial housing sales contracts, and pre-sale contracts) - then select the property rights certificate item and fill in the loan form according to the prompts Contract number, house address - select the deduction year, select the loan method, and fill in the loan information.

The above information can be found in the loan contract, or you can call the bank's customer service number to inquire. If it is a provident fund loan, you can consult the provident fund center.

3. The next step is to fill in the spouse information. If not, you will go directly to the next step - select whether you are the same borrower as *** - you need to select the deduction ratio - select the reporting method - declare through the withholding agent Or self-declare comprehensive annual income - after completing the above steps, click Submit.

4. Finally, enter the tax processing page again, click on the annual summary of comprehensive income - click on the tax refund to be applied to view the application record details, and finally click on the application for tax refund to complete.

1. Application conditions for house purchase loans

1. Applicants need to have legal residence status, and have a permanent urban resident registration or residence identity certificate, so it is best to buy a house with your household registration A house in the city where you are located or where you currently live.

2. Must be over 18 years old.

3. Applicants must have a legal and regular job and a stable source of income, so that the lender can ensure that you have the ability to repay the principal and interest of the loan on time.

4. You need to sign a "House Sales Contract" and have paid the down payment ratio stipulated by the bank.

5. The applicant’s credit must be good.

2. Application materials for home loan

1. Applicants must prepare their own proof of identity, which is a valid ID document;

2. Prepare your own proof of residence, such as household registration book or valid proof of residence;

3. Prepare your own work certificate and income certificate;

4. Prepare your own "House Sales Contract" and related documents;

5. Prepare proof of your marital status. If you are married, you need to bring your marriage certificate. If you are unmarried or divorced, you need to prepare a single certificate.