According to the law of the Russian Federation, every person has the right to return income tax once in a lifetime when buying an apartment, which is 13% of the cost of housing, but not more than 260 thousand rubles. To receive this money, you will need to collect a set of documents and contact the tax office at your place of residence.
It is necessary
- - tax declaration 3-NDFL;
- - certificate of income 2-NDFL;
- - passport and copy;
- - TIN certificate and copy;
- - documents on the ownership of the apartment;
- - payment documents;
- - application;
- - passbook.
Instructions
Step 1
Remember that income tax paid is refunded only for the last three years. Those. by September 30, 2012, you can apply for tax deductions for 2009, 2010 and 2011. If the apartment was bought by you on a mortgage, then you can additionally return 13% of the interest paid to the bank every year. The tax deduction can be obtained from the tax office at your place of residence or at your workplace.
Step 2
Fill out the 3-NDFL tax return on your own or using the services of firms that specialize in this. Obtain a 2-NDFL certificate from the employer on income for the past period. Please note that the refundable 13% is taken from the amount of taxes paid by you. For example, if your official salary is 100 thousand rubles, then the amount of income tax paid by you, the maximum possible return, is 13 * 12 = 156 thousand rubles. With a small official salary, the tax refund can take many years.
Step 3
Make copies of documents confirming the purchase of an apartment: purchase agreement, ownership certificate, bank statements, checks or other papers confirming payment. Do not forget to take the original documents with you to the tax office so that the employee can certify them on the spot. You will also need a passport, TIN certificate and their copies.
Step 4
To refund the tax on mortgage payments (excluding the body of the loan), you will need: a mortgage agreement with a bank, a certificate from the bank about the interest paid for the year, a loan repayment schedule, statements confirming the payment of the loan. Remember that there is no maximum amount to be refunded on interest paid to the bank, i.e. 13% will be from the entire amount you spent on it.
Step 5
Write an application for a property tax deduction and hand over the prepared set of documents. The tax inspector is required to review your application within 3 months, after which you will receive a notice by mail of a decision on your issue. If the result is positive, you will need to write a statement to the tax office indicating the details for the transfer of funds. Within 30 days, the paid tax is transferred to your account.
Step 6
To receive a deduction at the place of work, you need to receive a notice to the employer from the tax office, on the basis of which the tax already paid in the current year will be returned to you and will not be withheld from your salary until the end of the year. This notice is valid for one year, so you will have to apply for it to the tax office annually.
