About the service

          For more convenient personal income tax filing, let SCB submit a certificate of your home mortgage interest payments to the Revenue Department in advance to save you time with document preparation.

           On December 24, 2020, a notification of the Director-General of the Revenue Department regarding personal income tax (PIT) with amendments on criteria and procedure for PIT deduction was released. Highlights regarding home mortgage interest payments are as follows


Borrower’s duty to declare their PIT deduction entitlement

Mortgage contract effective date Borrower’s PIT deduction entitlement PIT deduction entitlement
Declared Not Declared
Before 2021 /   Allowed without a certificate required
  / Allowed with a certificate required
From 2021 onward /   Allowed without a certificate required
  X NOT allowed


Home mortgage contracts made
before January 1, 2021
Home mortgage contracts made
from January 1, 2021 onward
It is optional for borrowers to declare their PIT deduction entitlement to a creditor.

In the event that a borrower does not wish to do so, they are still entitled to PIT deduction, with proof of home mortgage interest payment (Form LY.02) issued by the creditor.
Borrowers must declare their PIT deduction entitlement to a creditor. Otherwise, they will not be entitled to PIT deduction for any paid home mortgage interest.


Borrowers shall give their consent to the bank before December 30 of a tax year, so that the bank can submit information about their home mortgage interest paid during the tax year to the Revenue Department. Consent granted by a borrower shall take effect from the consent granting year until they submit a notification letter to cancel or change their consent, following the process and conditions specified by the bank.

Click to grant consent



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