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房贷利息抵个税可以能省多少钱？

浏览：55次 | 提问时间： 06-26 09:39
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3个答案
懵懵懂懂旳椛季づ 06-26 09:40

个人所得税根据不同的征税项目，分别规定了三种不同的税率： 工资、薪金所得，适用7级超额累进税率，按月应纳税所得额计算征税。该税率按个人月工资、薪金应税所得额划分级距偶然所得和其他所得，按次计算征收个人所得税，适用20%的比例税率。

烟刺鼻却难离 06-26 09:48

你好，据我所知，房贷利息抵个税：如果工资10000，社保2000.；3500是免税额度。如果当月房贷还款4000；其中利息1500。实际纳税工资金额从4500减少到3000。税率10%，实际能省150左右。如果工资高，房贷多，省的多点。

烟刺鼻却难离 06-26 09:56

房贷利息未来或可抵扣个税 最多能省45%。对于超过免征额1500元但不足4500元的人来说，按照10%的税率计算，每1元的房贷利息可抵扣0.1元，即每1000元房贷可抵扣100元。也就是说，该政策对高收入人群和大城市的购房者更为有利。总之，该税率调整收入差距的作用比较有限。给工薪阶层大的实惠，仍然是提高起征点。

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