1. Loan method. Fill in "portfolio loan", and fill in "provident fund loan" and "commercial loan" in two lines respectively.
2. Lending bank. The loan bank of the provident fund loan does not need it. For commercial loans, fill in "Industrial and Commercial Bank of China" and do not fill in the specific handling branch.
3. The loan contract number. Please contact the provident fund management center to confirm the provident fund loan contract number; The contract number of some commercial loans needs to contact the loan handling outlets for inquiry, not the number on the paper loan contract. 4. Date of first repayment. For provident fund loan, please contact the provident fund management center of this loan for confirmation; The commercial loan shall be filled in according to the actual time of the first repayment.
5. Term of the loan. For provident fund loan, please contact the provident fund management center of this loan for confirmation; Commercial loans should be filled in according to the loan term clause in the loan contract.
Please refer to the following rules for mortgage interest tax deduction information:
1. Loan ContractNo.: The commercial loan contractNo. is not the number on the paper loan contract. Please inquire or contact the loan branch through our self-service channel; Please contact the provident fund management center for the contract number of provident fund loan.
2. Loan type: choose "commercial loan" or "provident fund loan"; Portfolio loan (that is, the combination of provident fund loan and commercial loan) Select portfolio loan, and fill in the information of provident fund loan and commercial loan respectively.
3. Loan bank: commercial loans should be written as "Industrial and Commercial Bank of China"; Provident fund loans do not need to be filled in.
4. First repayment date: fill in according to the actual time of first repayment.
5. Loan term: Fill in according to the loan term clause in the loan contract. Commercial loans can be inquired through self-service channels, and provident fund loans can be inquired by contacting the provident fund management center.
How to check your own loan contract number for tax treatment?
First, the mobile phone query
1. Log in to ICBC's mobile APP and click Loan-My Loan;
2. Click on the total contract amount, and then click on the contract status (distribution completed);
3. At this time, a loan number will appear on the page, which is the loan contract number.
Second, the network query
I took my ID card to the ICBC outlet to check the loan contract number.
Third, telephone inquiries.
Call the customer service hotline of ICBC, press 1 to inquire about financial services, press 3 for other businesses, and press 6 for loans to inquire about loan contracts, loan numbers and other information.
Basic characteristics of loan contract:
1. Lenders must be professional financial institutions approved by the state, including the People's Bank of China and professional banks. Specialized banks refer to China Industrial and Commercial Bank, China People's Construction Bank, China Agricultural Bank, China Bank and credit cooperatives.
National credit business can only be handled by national financial institutions, and no other unit or individual has the right to have a loan relationship with borrowers.
2, the borrower generally refers to the implementation of independent accounting, self financing enterprises owned by the whole people and collective ownership. State organs, social organizations, schools, scientific research institutions and other units that implement budgetary allocations have no right to apply for loans from financial institutions.
Under special circumstances, urban and rural individual industrial and commercial households and farmers who implement the production responsibility system can also become the main body of loan contracts and sign loan contracts with banks and credit cooperatives.
3. The loan contract must meet the requirements of the national credit plan. Credit plan is the premise and condition for signing a loan contract. The borrower must apply for a loan from the lender according to the credit plan approved by the state; The lender must sign a loan contract with the borrower under the condition of complying with the credit policy of the national credit plan. Over-planned loans must be strictly controlled.
4. The subject matter of the loan contract is RMB and foreign currency. RMB is the legal tender in China and the main target of loan contract. Foreign currency is mainly used for Sino-foreign joint ventures and other units that need foreign exchange loans. In the foreign currency loan contract, it should be clearly stipulated in what currency to borrow and return (including interest).
5. The loan contract must provide a guarantee or guarantee. When a borrower applies for a loan from a bank, it must have sufficient materials as a guarantee or provided by a third party. Otherwise, the bank has the right to refuse to provide loans.
This kind of guarantee or guarantee is a guarantee measure that enables the loan to be repaid on schedule.
6. The loan interest rate of the loan contract shall be uniformly stipulated by the state and managed by the People's Bank of China. When the borrower repays the loan, it usually repays the loan interest, and the interest rate must be calculated and paid in accordance with the unified provisions of the state. Both parties have no right to agree, and neither party has the right to change or modify the interest rate stipulated by the state.