Workflow
换购住房个人所得税退税
icon
Search documents
先买房还是先卖房?房产置换多处可省税
Guang Zhou Ri Bao· 2025-05-08 21:56
Core Insights - The article discusses the tax benefits associated with housing loan interest deductions and the importance of understanding the conditions to avoid losing potential tax refunds when engaging in property exchanges [1][4]. Group 1: Tax Refunds and Conditions - A case study illustrates how a property exchange can lead to a loss of tax refund if the sequence of transactions is not properly managed, resulting in a 1% loss of the selling price in tax refunds [2]. - The tax refund for property exchange requires that the sale of the original property and the purchase of a new property occur within specific timeframes, emphasizing the need for careful planning [2][3]. Group 2: Tax Deductions for Home Loans - The article highlights the potential for significant savings through the housing loan interest tax deduction, which can amount to approximately 1200 yuan annually for individuals with an income of 150,000 yuan [4]. - Conditions for claiming the housing loan interest deduction include not having claimed it previously on the original property and ensuring that the new property qualifies as a first home loan [4].