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两会以来,听到关于房贷利息抵扣个税的消息不少。目前,由于房地产税改革存在困难,2016年个税改革之住房按揭贷款利息纳入个税抵扣,可能会率先启动。所谓房贷利息抵税,一般是指在计征个人所得税时,将房贷产生的利息作为税前减除项扣除,对扣除后的收入部分课以个人所得税。这意味着,房贷利息抵税一旦推行,将显著减轻房屋持有人的税务负担。事实上,在普通老百姓买不起房的大环境下,“购房退税”对普通老百姓根本就是一个无法兑现的美丽泡影。而富人往往
Since the two sessions, I heard a lot of news about mortgage interest deducting a tax. At present, due to the difficulties in the real estate tax reform, a tax deduction for interest on mortgage loans in a tax reform in 2016 may be the first to start. The so-called mortgage interest tax credit, generally refers to the personal income tax in the levy, the mortgage interest generated as a deduction before tax deductions, after deductions income part of the class with personal income tax. This means that once the debit of interest on mortgage loans is implemented, the tax burden on homeowners will be significantly reduced. In fact, under the environment where ordinary people can not afford housing, “house tax rebate ” is simply a beautiful bubble that can not be honored to ordinary people. The rich often