Currently, you can buy a home on a mortgage loan. It is provided by banks, and naturally a citizen pays a loan with a certain interest. Despite the fact that mortgage payments are borrowed, before the loan is repaid, you can get a property deduction of 13% of the amount of interest on the mortgage.
It is necessary
computer, internet, printer, A4 paper, pen, mortgage loan documents, housing documents, 3-NDFL certificate from the place of work, passport, TIN
Instructions
Step 1
Submit your title deeds to the tax authority. If housing is purchased in a house under construction, submit an agreement on the purchase of housing and an act of acceptance and transfer of housing to the ownership of a citizen.
Step 2
Submit your home mortgage loan agreement to the tax authority.
Step 3
Submit payment documents confirming the payment of the mortgage loan. These are receipts of payment, bank statements on the transfer of funds on a mortgage loan to the account of a home seller and other payment documents.
Step 4
Fill out the 3-NDFL declaration for property deduction. Enter your passport details, taxpayer identification number, your last name, first name and patronymic in it.
Step 5
Write an application for granting you a property deduction.
Step 6
Fill in the declaration with information about your income, using the data from the 3-NDFL certificate from your place of work.
Step 7
In the "Deductions" column of the declaration, click the property tax deduction button. In the window that appears, check the box to provide property tax deduction. Fill in the details and purchased housing. Indicate the name of the object, the type of owner, the sign of the taxpayer, the address of the location of the housing, the date of the act of acceptance and transfer of housing into ownership, shares in it, the date of transfer of ownership of the housing to this citizen, the date of the application for the distribution of the property deduction.
Step 8
Enter the amounts spent on the purchase or construction of a home. Enter the amount spent on the mortgage loan. Calculate the mortgage interest for the tax reporting period. Enter the amount of deductions for previous years, amounts transferred from the previous year. State the deduction from the withholding agent (the company you work for) in the reporting year and prior years.
Step 9
Print out the completed declaration and, attaching the necessary documents, submit it to the tax office. After three months, the amount of the interest deduction will be transferred to your current account.
