【实用】个税年度汇算时提示“住房贷款可能已结清或为非首套房贷款”该如何处理？看过来→操作步骤

Core Viewpoint - The article discusses the implications of a tax system prompt indicating that a housing loan may have been settled or is not a first-home loan, and provides guidance on how to address this situation during the annual individual income tax reconciliation process [2][3]. Policy Regulations - Taxpayers can deduct interest on loans for their first home, with a maximum deduction of 1,000 yuan per month for up to 240 months, applicable only once [3]. Processing Steps - Step 1: Confirm Loan Status - Taxpayers should verify with their lending bank whether their loan qualifies as a first-home loan and check the loan details [5]. - Step 2: Verify Loan Information Accuracy - If the loan qualifies, taxpayers should ensure that the loan information entered in the tax app is correct, including the loan contract number and loan term [7][8]. - Step 3: Confirm Information and Continue Filing - If all information is accurate and the loan is still active, taxpayers can proceed with the filing process [10][12]. Additional Notes - Taxpayers are advised to keep supporting documents, such as loan contracts and repayment receipts, for future verification by tax authorities [12]. - There are mechanisms in place to verify the accuracy of housing loan interest deductions, and taxpayers found to have submitted false information may face penalties [19].