Many of us have long dreamed of our own home, and therefore bought an apartment on a mortgage. In this case, you just need to know that the state can return the costs incurred to you in the form of a refund of part of the taxes you pay. To receive a mortgage deduction, you must have income, it can be a salary, a bonus, material assistance, in a word, all payments taxed with personal income tax. These payments do not include pensions, scholarships, as well as the profits of entrepreneurs working on a simplified taxation system. All kinds of casino and lottery winnings are also not taken into account.
Instructions
Step 1
Prepare all relevant documents that prove ownership of the home. This can be - a purchase and sale agreement, an act of acceptance and transfer, as well as a decree on the allotment of land for the construction of a private house. Collect and provide all bank payment certificates, receipts for receipts, cash and sales receipts, acts of purchase of materials for construction, as well as a receipt from the seller of the real estate, which confirms the fact that you have incurred costs. Provide also a passport, tax identification number, pension certificate, 2-NDFL certificate of the recipient of payments.
Step 2
Determine for yourself in what form you want to receive these deductions. If to a personal account, then submit an application only after the expiration of a year. If this deduction is applied at your work, then the notice of the right to apply the deduction is provided to the accounting department without waiting for the end of the year. Prepare all the necessary documents for opening a personal bank account.
Open a personal account in a bank convenient for you to receive mortgage deductions, or you can receive an increased salary on a salary bank card.
Step 3
Fill out the tax return and submit it to the tax office. Submit an application to the tax office to receive funds to your personal account, or provide a notice of the right to apply the deduction to the accounting department at the place of work. Get a deduction decision with the exact amount.
Specify the phone number of the person responsible for transferring funds to your personal account. After all the documents are prepared and submitted to the relevant authorities, you will begin to receive tax deductions on your mortgage.
