How to refund the personal pension tax rebate

According to the individual pension tax policy, the annual limit of the funds stored in the individual pension account is 12000 yuan, and this part of the funds can enjoy tax deferred preferential treatment.

This means that if you want to deduct the tax in 2022, you need to deposit the corresponding amount in the next ten days.

State Taxation Administration of The People's Republic of China said that at present, the royalty system has been optimized and upgraded, and there are two ways to enjoy tax benefits through personal pension accounts.

One is to enjoy deduction when paying monthly salary, and the other is to make pre-tax deduction when filing the annual declaration of personal income tax settlement.

If you have opened an individual pension account and saved money in it, there are three steps to enjoy tax benefits.

Step 1: Obtain payment voucher.

There are two ways to obtain payment vouchers, one is the bank where our personal pension account is opened, and the other is the national social insurance public service platform.

Let's start with the bank where the account is opened. At present, most bank apps will set up a "personal pension zone", where we can find tax extension coupons.

For example, the bank I choose can download the voucher for the month of 2022 1 1. Just fill in the information such as year, month and email address, and a pdf document will be sent to your email address.

This pdf document looks like this when it is opened:

Name, payment information, etc. Both. What we need is the QR code in the upper right corner.

After that, through the operation of the bank, let's talk about another way to obtain payment vouchers.

That is to log in to the national social insurance service platform (you need to register your account first, pay attention to the case of the password, and it is more than 8 characters.

Then find the "Personal Pension" page on the home page, with "Payment Voucher" in the drop-down menu, and click "Query and Print Payment Voucher".

On the next page, we first click the "Query and Print Payment Voucher" button in the "Service List", and then enter the payment year and month. Click "Query" and the "Download Payment Voucher" button will appear.

I compared the payment vouchers of banks and the national social insurance public service platform, and they are the same.

In addition, it should be noted that from the 8th of each month, the insured can query and download the personal pension payment voucher of last month through the national social insurance service platform; From February 1 day every year, the insured person can query and download the personal pension payment voucher of the previous year.

Step 2: Scan the code and enter the deduction information.

Next, we need to use the Personal Income Tax APP.

There are also two ways to scan the code, one is the scanning function in the upper right corner of the APP.

The other is to click the "Tax" button at the bottom, and then enter the "Personal Pension Deduction Information Management".

Click "Scan Code Input" on the next page.

Of course, if we save the QR code of the payment voucher on the mobile phone, we can open the photo of the payment voucher through the photo album in the lower right corner when scanning the code.

Step 3: Choose the declaration method.

After scanning the code, the deduction information confirmation page will appear.

After we click "Next", there will be an optional declaration method.

At present, there are two kinds of declaration methods, one is "declaration through withholding agents" and the other is "annual self-declaration".

"Declaration through withholding agent" means declaration through our unit, which can be deducted monthly.

"Annual self-declaration" is declared together with our other deductions, such as supporting the elderly, mortgage, education and so on.

Finally, I used these two methods to operate, and you can have a look at the comparison chart.

If you feel that the required information is wrong, you can click "Modify"; If you feel that you need to change the mode, you can also click "Invalid" directly, and then scan the code again to enter your choice.

The above is the complete step of personal pension tax deduction, and I hope it will help everyone.