How to return 13 percent from buying an apartment? Tax deduction when buying an apartment

Now we will try to figure out how to return 13 percent of the purchase of an apartment. This opportunity attracts many homeowners. After all, 13% of the amount spent is a very good compensation. It turns out that in Russia you can not only give the state, but also receive something in return. There are options for both the usual transaction and a mortgage. But in any case, you need documents from you. How to return 13 percent from buying an apartment? What is required for this? Why prepare yourself?

Not everyone

It should be noted at once - this possibility does not apply to all citizens. Many, but not absolutely the entire population. Deductions for an apartment (they are called property) can be received by every taxpayer who has income. That is, one who pays income tax. Under this concept, it is customary to understand, as a rule, an officially employed citizen.

But those who do not have any declared income, do not have the right to receive deductions. Moreover, a large purchase in the form of real estate will attract the attention of tax authorities. And this is not always good.

Pensioners also have the right to return 13 percent for an apartment. Only for them the list of everything necessary for the operation is somewhat extended. But it's not a problem.

Terms of circulation

In what period of time are you advised to deal with this issue? According to modern laws, you can ask for a deduction for an apartment within 3 years from the date of the transaction, but not later. Only such norms are established by tax laws in Russia.

But in practice everything is somewhat different. Is it possible to return 13 percent for a real estate transaction? Easy! Just do the task as soon as possible. Experts and citizens recommend meeting the end of the tax reporting period. After all, it takes some time to review your case, as well as to transfer money.

How many decisions will be taken to satisfy the request or to refuse? Approximately 1,5-2 months. And in addition, it takes about 60 more days to transfer the deduction. The result - for everything, if you do not take into account the preparation of documents, it takes about 4 months. So, if you are thinking how you can return personal income tax from the purchase of an apartment, you should start solving this task sooner.

Identification

Of course, the first and most important document, which is useful in our business, is an identity card. In general, any approach, but the tax authorities assure that you must submit your passport without fail. More precisely, its a regular copy. All pages must be photocopied and attached to the main list of documents. Without an identity card, you can not answer how to return 13 percent from buying an apartment. You will simply be refused in this case. The passport of the citizen, perhaps - is what is required for any transactions and transactions in Russia.

According to the statement

Pay attention to another very interesting fact - the statement. It must be compulsorily compiled and submitted to the tax authorities. You can say in free form. According to modern laws, you can return VAT from the purchase of an apartment (13% deduction) only if you have a buyer request.

It is mandatory to indicate information about the former owner of the housing, as well as your data, information about the apartment and its cost. Do not forget to attach the details of the account to which it is worth making a refund. If you do not do this, then you will have to report the missing papers, or, as often happens, you will be refused a deduction - you will have to file an application with the documents in the tax from the very beginning.

Reporting

What's next? How to return 13 percent from buying an apartment? Obligatory order to the tax authorities is the so-called tax return. It is called 3-NDFL. You must have only the original, no copies.

What is this report? Information about your income. If you work for yourself, you will have to make a declaration yourself. Otherwise, you can contact the employer for help. But in practice just 3-NDFL is filled by each taxpayer independently. In fact, it is not as difficult as it might seem at first glance.

Income

Regardless of the form of home purchase that took place (mortgage or simple purchase and sale), you need to somehow confirm your income. Here it is necessary to present a certificate form 2-NDFL. As in the past case, only the original paper is needed.

If you work for yourself, you will have to fill this information yourself. Is there an official employer? Then contact the accounting department of your firm, there you will be given 2-NDFL. With this document, there are no problems, in principle. Is that the manufacture of help can in some cases take some time.

About the transaction

A complete list of all the most necessary to return the spent money is almost finished. In fact, one should not forget about the most important thing - information about the concluded transaction. Without some documents you can not get a deduction for the purchase of an apartment.

So what can come in handy? First of all, this is a contract of sale. It is advisable to sign an additional original copy for deduction. Otherwise, a sufficiently authenticated copy.

Then you will need a certificate of ownership of the apartment. Without it, it makes no sense to apply for a deduction. Hence, you will have to wait for a while until you receive this document. The usual copy of the certificate, not sure, will do. Although, as practice shows, citizens are most often reinsured and make an assurance.

Receipts for payment, receipts on the receipt of funds by the former owner - all this must also be attached to the declaration and application. You can make copies. The main thing - make sure that all documents have your initials. If you bought an apartment for someone, to prove your right to a deduction is almost impossible in Russia. All information should indicate that you are the buyer.

Mortgage

Now quite often there is a mortgage. How to return 13 percent in this case for a purchase? It is not too difficult to do this. After all, you only need to supplement the above list with some documents. There are only two of them.

The first is a mortgage contract. As in the case of buying and selling, it is enough or the original, or a certified copy. Without this document, a refund of the deduction will not be performed.

The second is a receipt for payment of interest on the mortgage. With arrears in return, 13% will be refused until maturity. Take into account this feature. No one deducts debtors. In principle, that's all. No more documents will be required from you.

Other

Although there are exceptions. How to return 13 percent from buying an apartment? In some cases, you may request the following documents, but they are not mandatory (it is advisable to prepare them and present them in advance):

• INN;
• Certificate of marriage / divorce;
• Birth certificates of children;
• Pension certificate ;
• SNILS;
• military ID.

With all the above documents, you can apply to the tax authorities at your place of residence. You can apply for a deduction. If properly prepared, there will be no problems and no failures.