Can I get a personal income tax refund for buying a house with a loan?

Most people now buy a house with a loan, but many of them don’t know that personal income tax can be refunded for buying a house with a loan, but the prerequisite is that it must be the only home of the family and personal income tax has been paid. Personal income tax can be refunded for buying a house with a loan, but certain requirements need to be met. The family must be the only home and have paid personal income tax. There are also certain requirements for the time for tax refund application. One cycle is within one year from the first loan repayment, and at the same time, Application for tax refund must be made within three months starting from the month following one year. If no application is made within this period, it means that the application will be automatically given up. When applying for a personal income tax refund for a mortgage, you need to prepare a certificate for your first home, a loan certificate from the loan bank and a repayment statement, go to the unit to apply for a tax certificate, and then file a tax refund declaration.

What are the precautions for personal tax refund? 1. Please check the information carefully and handle the annual settlement report in good faith according to the law. The information that needs to be filled in for annual settlement mainly includes personal basic information, such as personal identity document number. , effective contact information, annual settlement place, etc. This is to identify the taxpayer's identity so that we can safely handle tax refund or tax repayment for you in the future; there is also information about income, deductions, tax benefits and other information, which is used to calculate the taxpayer's complete The basis for the annual tax payable. 2. It is recommended that the annual final settlement of personal income tax and the annual final tax refund be processed as much as possible within the time period agreed between the tax authority and the unit. Necessary verification procedures must be carried out. The tax, finance, treasury, bank and other departments must jointly handle the process. In order to ensure that taxpayers can safely After receiving a tax refund, it is necessary to verify whether the bank account reported by the taxpayer is true and valid. If the data reported by taxpayers is inaccurate, there are omissions, individual taxpayers make false declarations, or a large number of taxpayers apply for tax refunds together resulting in excessive business volume, it will affect the progress of tax refunds in time. 3. Please ensure that the bank account you fill in meets the conditions so that you can receive your tax refund in a timely manner. To ensure that taxpayers receive your tax refund in a timely and safe manner, you must fill in your eligible bank account in China when applying for a tax refund. Under normal circumstances, bank cards opened at bank counters can successfully receive tax refunds, among which the first category accounts are the best. If you are unable to determine the type of bank card, please consult the bank where you opened your account. 4. Do not trust unofficial or non-professional tax refund “secrets”. When handling annual tax refunds, taxpayers need to declare themselves. Individuals must be responsible for the authenticity, accuracy and completeness of the declared information. If taxpayers have any questions when making declarations, they can consult tax authorities, units or tax professionals in a timely manner, and do not believe in so-called tax refund "secrets" transmitted online or orally to avoid erroneous or false declarations that violate tax laws. 5. The tax authorities will not ask for bank account and password information from taxpayers through unofficial tax processing terminals or channels for tax refunds. Taxpayers can apply through the Natural Person Online Taxation Bureau (official mobile personal income tax APP, Natural Person Electronic Taxation Bureau webpage) Annual tax refund can also be processed at the tax service office or by mailing the declaration form to the designated tax authority. No matter which of the above channels is used, taxpayers only need to fill in their bank account number when making declarations. The tax authorities will not ask for bank account and password information from taxpayers through any other channels (such as phone calls, text messages, etc.). Taxpayers please Improve security awareness and beware of scams.