置业提醒 广州日报讯 （全媒体记者龙乐乐）日前，国家税务总局12366纳税服务平台以热点问题答复形式解读了 多项可享受"住房贷款利息个税专项附加扣除"的条件，也使得"买房省税"这一话题进入了置业者的视 野。当前，通过房产置换实现居住改善的置业者越来越多，但许多人不知道的是，在操作过程中若不注 重细节，则很有可能白白浪费了这个"福利"。 如果碰到类似吴小姐这样的问题怎么办？对此，有中介业内人士表示：大多数"收回折扣"都是话术，尤 其在当前市场新房选择充分的情况下，可以确保二手房网签后再下手。"实在是碰到了类似问题，开发 商的网签时间也并非无法沟通。"该业内人士说道，关键是要搞清楚退税的细节。 置业提醒 符合条件的置换客也可申报专项附加扣除 除了个人所得税退税，12366纳税服务平台所提及的住房贷款利息个税专项附加扣除同样是不可忽视 的"省税"利器——以年收入15万元计算，每年可省约1200元。 除了已经给予公开解读的"二套转首套""商转公""贷款置换"等情况之外，符合条件的置换者也可以申请 首套住房贷款的专项附加扣除。"对于个人而言，若置换前的房产未申报过该项专项附加扣除的，且置 换后房产享受首套房贷利率，可以 ...

Domestic News - The draft of the National Development Planning Law has been submitted for review by the Standing Committee of the National People's Congress [2] - JD.com plans to recruit 100,000 full-time delivery personnel in the next three months, with a starting salary of 5,000 yuan [2] - The National Bureau of Statistics reported a 0.8% increase in profits for large-scale industrial enterprises in the first quarter of 2025 [2] - Six departments have issued a document to optimize the outbound tax refund policy, lowering the starting point for refunds and raising the limit to 20,000 yuan [2] - The State Administration for Market Regulation has stated that parties involved in the Longhe Port transaction must not evade antitrust reviews [2] - The approval for domestic nuclear power projects has been opened for the first time in 2025, with the State Council approving 10 new units, potentially driving over 200 billion yuan in investment [2] - The State Taxation Administration announced that those meeting relevant conditions for "second home to first home" can enjoy individual income tax deductions on housing loan interest [2] - The Ministry of Commerce aims to create a number of international consumer aggregation areas and inbound consumption-friendly business circles, with the finance department studying special funding support [2] - A press conference was held by the State Council Information Office on April 28 regarding policies for stabilizing employment and promoting high-quality economic development [2] International News - Sources indicate that the European Central Bank is generally inclined to support a rate cut in June [2] - Polls show that Trump's approval rating during his first 100 days is the lowest for any U.S. president in 80 years [2] - The Pakistani Defense Minister believes that escalating conflicts with India will not lead to mutual nuclear strikes [2] - Trump stated that comprehensive tariff measures will allow him to cut income taxes for individuals earning less than $200,000 annually [2] - Lee Jae-myung has been elected as the presidential candidate for South Korea's Democratic Party, with the Supreme Court expected to rule on his case in May [2] - The Iranian port that experienced an explosion has resumed cargo imports and exports, with improper storage of chemicals in containers being the cause of the explosion [2] - Trump mentioned that U.S. ships should pass through the Panama and Suez Canals for free, and tariffs will significantly reduce income taxes for many [2] - Regarding the Russia-Ukraine conflict, U.S. Secretary of State Rubio stated that the U.S. will not expand sanctions against Russia to avoid disrupting the peace process in Ukraine, while Trump noted positive progress in meetings with Zelensky, with future developments pending observation [2]

Core Points - The National Taxation Administration has clarified that taxpayers who meet certain conditions can enjoy a personal income tax deduction for housing loan interest when converting a second home loan to a first home loan, allowing for a tax deduction of 12,000 yuan annually [1][2] - The policy adjustment aims to stabilize the real estate market by implementing a "recognize house but not loan" standard, enabling some buyers to change their second home loan interest rates to first home loan rates [1][2] - Taxpayers can claim the housing loan interest deduction through the personal income tax APP by providing relevant loan information and documentation [2] Group 1 - The National Taxation Administration's response to public concerns regarding the eligibility for housing loan interest tax deductions under the new policy [1][2] - The "recognize house but not loan" policy allows families without complete housing in the local area to apply for loans under first home conditions, regardless of previous loan usage [2] - Taxpayers can enjoy a maximum of 12,000 yuan tax deduction per year for up to 20 years, based on the provisions of the national policy [2][3] Group 2 - Taxpayers who have conducted a "loan replacement" and signed a new loan contract at the first home interest rate can continue to enjoy the housing loan interest deduction [3] - The National Taxation Administration also states that taxpayers who switch from commercial loans to housing provident fund loans can maintain their eligibility for the housing loan interest deduction if the new loan meets the first home conditions [3]

Core Viewpoint - The National Taxation Administration's 12366 tax service platform has clarified that individuals who meet certain conditions can enjoy personal income tax deductions on housing loan interest when converting a second home loan to a first home loan [1] Group 1: Policy Changes - Recent adjustments in personal housing loan standards have been made to stabilize the real estate market, implementing a "recognizing the house, not the loan" policy [1] - This policy change allows some homebuyers to benefit from a reduction in the interest rate of second home loans to that of first home loans [1] Group 2: Tax Deduction Benefits - There is significant interest in whether these homebuyers can qualify for the personal income tax special deduction on housing loan interest, which could provide a maximum tax deduction of 12,000 yuan per year for up to 20 years [1]