2021房贷退税流程
    英文回答：
    In 2021, homeowners can claim a mortgage interest tax deduction of up to $750,000 of qualified mortgage debt. This deduction is available to both first-time homebuyers and existing homeowners, and it can significantly reduce your tax liability.
    To claim the mortgage interest tax deduction, you must itemize your deductions on your tax return. This means that you will need to have enough other itemized deductions to exceed the standard deduction. The standard deduction for 2021 is $12,550 for single filers and $25,100 for married couples filing jointly.
    If you do not have enough itemized deductions to exceed the standard deduction, you will not be able to claim the mortgage interest tax deduction. However, there are a number of other tax breaks available to homeowners, so you may still be able to save money on your taxes.
    Here are the steps on how to claim the mortgage interest tax deduction:
    1. Gather your mortgage interest statement. This statement will be provided to you by your lender.
    2. Enter the amount of mortgage interest paid on your tax return. This amount can be found on your mortgage interest statement.
    3. Itemize your deductions on your tax return. To do this, you will need to complete Schedule A (Form 1040).
房贷优惠
    4. Enter the total amount of your itemized deductions on your tax return. This amount will be used to calculate your taxable income.
    5. Calculate your tax liability. Your tax liability is the amount of tax that you owe.
    6. Subtract the amount of your mortgage interest tax deduction from your tax liability. This will reduce the amount of tax that you owe.
    中文回答：
    2021年房屋贷款退税流程。
    在2021年，房主可以对高达75万美元的合格抵押贷款债务申请抵押贷款利息税收减免。首次购房者和现有房主都可以享受这项减免，并且它可以大幅减少您的税务负担。
    要申请抵押贷款利息税收减免，您必须在您的纳税申报表上逐项列出您的扣除额。这意味着您需要有足够的其他逐项扣除额才能超过标准扣除额。 2021 年的标准扣除额对于单身申报者为 12,550 美元，对于已婚夫妇共同申报者为 25,100 美元。
    如果您没有足够的逐项扣除额超过标准扣除额，您将无法申请抵押贷款利息税收减免。但是，还有许多其他减税优惠可供房主使用，因此您仍然可以省下税款。
    以下是申请抵押贷款利息税收减免的步骤：
    1. 收集您的抵押贷款利息对账单。此对账单将由您的贷款人提供给您。
    2. 在您的纳税申报表中输入您支付的抵押贷款利息金额。此金额可在您的抵押贷款利息对
账单上到。
    3. 在您的纳税申报表中逐项列出您的扣除额。为此，您需要填写附表 A（表格 1040）。
    4. 在您的纳税申报表中输入您逐项扣除额的总金额。此金额将用于计算您的应税收入。
    5. 计算您的应纳税额。您的应纳税额是您欠的税款金额。
    6. 从您的应纳税额中减去您的抵押贷款利息税收减免金额。这将减少您欠的税款数额。