So today we will be interested in the termtax refund for the purchase of an apartment, as well as a list of documents that will be required for submission to the appropriate authority In fact, this question is interesting and useful to many. After all, when paying taxes and making certain transactions, you can simply return the “unlimited” amount to your account. A nice bonus from the state that attracts many. But this process has its time and rules for registration. Remember them is not so difficult. How do I get a tax deduction when I buy an apartment? What documents are required? At what time, in general, you can take the opportunity? There must be at least some restrictions!
How many?
Yes, any. But about them a little later.After all, for a start, it is worthwhile to consider in more detail what is being discussed in principle. How much can you return from the transaction? And is there a certain limit on the return? Tax deduction, as a rule, allows you to get 13% of their expenses. This process has its limitations on the amount that is returned to the taxpayer. This is 260,000 rubles. You only have the right to return funds from an apartment with a value of up to 2,000,000 r. So, do not be surprised. Everywhere established their own rules. More than 260 thousand can not be returned. It's illegal.
When?
But do not worry too much.After all, the deadline for tax deduction when buying an apartment is not so small. You must have time to prepare for it. And in general, the design with proper collection of documents will seem a trifle.
What time it will have to meettaxpayer? In general, property deductions, like any other, can be issued within 3 years after the transaction. That is, it is not necessary to rush to prepare documents immediately after purchase. Yes, it is also not necessary to delay, but to panic that you will not have time to carry out the idea is not the best method.
In practice, usually the tax refund perioddeduction when buying an apartment is set at 1 year. No, you can do it later. But citizens are accustomed to engage in paperwork until the end of the tax reporting period. Therefore, in fact, they are trying to get rid of even with deductions as soon as possible. It is not so difficult as it may seem at first. All you need is to collect a certain list of documents, submit them to the tax office, and then just wait.
After filing
Now a new question arises.What is the tax refund period for buying an apartment after submitting an application? After all, you need to understand how long the tax authorities consider a particular case. Here it is difficult to come to a common opinion. Especially when you consider that in different regions there is a varied duration of approval of any deduction, not necessarily property.
What can you expect on average?What is the tax refund period when buying an apartment? Testimonials by taxpayers often indicate that about 4 months will be allotted for everything. That is how much will be deducted after you make an application. Of this period, about 2 months is considered only the application. And the rest of the time there is a transfer of funds to the taxpayer. Sometimes this process lasts less, sometimes more. But on average it is worth counting on exactly 4 months. This is the deadline for tax refund when buying an apartment after you have submitted the documents for consideration. If you need to re-design, you have to "reset the counter." And again, counting about four months. In principle, this is not a problem.
Statement
Well, now it's time for more details.consider the immediate list of documents required for the transaction. If you think about it, then the return of the tax deduction when buying an apartment is not so difficult. You do not need a lot of papers. A few important points are enough. And a bit of patience. So where should you start?
Of course, with compiling and writingrelevant statement. The fact is that any deduction should be provided only if the necessary paper is available. At the request of the applicant. A sample of filling can be viewed on the official website of the Tax Service of the Russian Federation. In the same place there is a form which will help to make a request for further use. Available in a single copy - the original.
Personality
Do not forget that any paperwork inmandatory accompanied by the establishment of your identity. That is, you need the appropriate document. In our case, this is nothing but a passport. And, more precisely, its copy. Take care in advance that you have a photocopy of all pages. In particular, 2, 3 and the one where registration is indicated. Information about marital status must also be available. The original for the deduction is not needed. Enough copy. If desired, it can even be certified. But, honestly, many simply provide a photocopy and do not worry.
Income
The next point to consider isyour income. The deadline for tax deduction when buying an apartment cannot start your countdown before you confirm your taxpayer status. That is, do not indicate income. There will have to present a certificate 3-NDFL. It is filled by yourself. And at the moment you can do it with a special program on the computer. Also, you must necessarily attach to the application form 2-NDFL.
Второй документ самостоятельно изготавливается, if you work for yourself. Otherwise (as is usually the case) the paper is taken in the accounting department of your employer. This is a kind of confirmation that you have taxable income. Only original references are accepted. They are needed in a single copy. So, keep this in mind. A copy of the workbook will not be superfluous.
Costs and property
Как осуществить возврат налогового вычета при buying an apartment? The documents that have been cited above are far from all that is needed. Now that the relevant certificates are available, you must confirm your ownership of the property. And the costs also do not forget.
What may be needed here?First, a certificate of title, a copy, preferably notarized. Secondly, the contract of sale, as well as a variety of receipts from the seller, confirming the fact of the transfer-receipt of money from you. Checks and receipts (or rather, copies of them) are also mandatory items. Without the listed documents, you will not be able to implement the idea of a return.
Other
На этом дело не заканчивается.Returning a tax deduction when buying an apartment to pensioners and not only usually requires additional paperwork. It does not cause much trouble, but it does occur. So, for example, it is the pensioners who must confirm their status and benefits. They present copies of health certificates (especially in case of disability), as well as a pension certificate. Men must attach a military ID. This is especially true of retired military personnel. But this also does not end the list. What else can be useful?
For example, very often citizens are asked to present andbirth certificates of children, as well as a paper on marriage and divorce. These are not such important points, but sometimes they can interfere with the design. More precisely, move it away for a while. Enough most ordinary copies. Attach them just in case, to avoid any unnecessary questions and problems.
Mortgage
However strange it may sound, but with a mortgageYou can also get back some of the money spent. True, here the maximum cost of housing will be no longer 2, but 3 million rubles. But the percentages remain the same - 13%. What is the tax refund period when buying an apartment in the mortgage? Same as in all other cases. You have the right to submit a request in a maximum of 3 years, the duration of consideration will be about 4 months. There are no differences and never will be. Is that in relation to the documents. The above list will also have to attach a mortgage agreement along with receipts for the payment of interest on the transaction. Without them for a mortgage to return the deduction does not work.
Requisites
The main thing is to provide details for replenishing your account. Bank data must necessarily be indicated in the application for tax deduction. Without them, you simply refuse.
In principle, nothing difficult in the details there.Specify the account where to transfer money, directly in the statement of the established sample. As soon as the complete list of documents is ready, submit them to the tax office for consideration. And now you can just wait. After some time, you will receive a response from the authorities with a decision on the provision of a deduction or refusal, indicating the reason. If you are overtaken by the second option, correct the situation and try again. In the first case, it remains to wait for the direct transfer of funds to the account.
