How much money can I get back in 2022 mortgage tax refund? How to do it specifically? Attached is the latest policy!

Starting from March 1, 2022, my country's personal income tax for 2021 can be applied for a refund. Some can get a refund of thousands of yuan, and some can get a refund of hundreds of yuan. So how much money can be refunded for the 2022 mortgage tax refund? How to do it specifically? Attached is the latest policy!

1. How much mortgage tax refund can I get in 2022? Attached is the latest policy!

How much mortgage tax refund you can get in 2022 depends on your salary last year. For example, if the amount of personal income tax you actually paid last year was less than the special deduction for mortgage loans, then the amount of mortgage tax refund in 2022 will be the actual personal income tax you paid, which means you will get a refund of the same amount of tax you paid. If the amount of personal income tax you actually paid last year was greater than the special deduction for mortgage loans, then the amount of mortgage tax refund in 2022 will be the special deduction for mortgage loans, which means you will get a refund of 1,000*10=10,000 yuan. The 2022 mortgage tax refund policy is as follows:

1.2022 mortgage tax refund policy 1: deduction of 1,000 yuan per month

Starting from the month when the taxpayer makes the first repayment on his or her first home, a standard fixed deduction of 1,000 yuan per month can be made, meaning a maximum of 12,000 yuan can be deducted each year.

2.2022 mortgage tax refund policy 2: You can only choose one between the mortgage interest deduction and the housing rent deduction

When applying for a tax refund, users can only choose to deduct personal income tax from housing loan interest or housing rent.

3.2022 mortgage tax refund policy three: must be the first home

When users apply for a tax refund, the loan they apply for must be the first home loan, and the loan must still be repaid in the deduction year of 2021.

2. How to implement the mortgage tax refund in 2022?

The 2022 mortgage tax refund can be processed on the personal income tax APP or at the local tax service office. Here, taking the personal income tax APP as an example, the tax refund operation process is introduced:

2022 mortgage tax refund process 1: Download the personal income tax APP, register and log in, go to the homepage and click "I want to pay taxes."

2022 mortgage tax refund process 2: Select special additional deduction reporting, select housing loan information, and select 2021.

2022 mortgage tax refund process three: prepare property rights certificate (property certificate, house purchase and sale contract) loan contract, fill in personal information and loan information.

2022 mortgage tax refund process 4: Submit information and confirm the amount of tax refund. Generally, if the refund amount is zero, no refund is required. If you have money to refund, choose the corresponding bank card for the refund. Generally, it will be refunded to the bank card you left within a week.

Summary: How much money you can get for your mortgage tax refund in 2022 depends on your salary last year. For example, if the amount of personal income tax you actually paid last year is greater than the special deduction amount for your mortgage, then the amount of your mortgage tax refund in 2022 is the actual personal income tax paid. You can get a refund on the personal income tax APP.