When buying an apartment for ourselves on a mortgage, we often ask ourselves the question - is it possible to return part of the amount spent on the purchase of housing?
You can, because it doesn't matter whether you bought an apartment with your own money or took out a mortgage.
It is necessary
Certificate 2-NDFL from the place of work, a copy of the payment order - payment by the bank of the cost of the apartment to the mortgage agency, copies of the passport and TIN
Instructions
Step 1
To apply to the tax office for a tax refund on a mortgage, you will need a 2-NDFL certificate from the place of work for the past year. If you have worked no more than 12 months with the deduction of personal tax, and less - the refund will be made only for these months. It is easy to calculate the refund amount: multiply 13% of your official salary by the number of months in the past year for which you personally or your employer paid personal income tax.
Step 2
Based on the 2-NDFL certificate, the tax office will make you a 3-NDFL form, which will be the main document for consideration. This form, as a rule, is issued not by the tax inspectorate itself, but by an organization providing additional services to the population. Such organizations are currently available in almost every tax office. The form is done within 1 day.
Step 3
Submit Form 3-NDFL to the window for receiving documents for the return of income from individuals to the tax office at the place of residence. A document review date is set, usually 1-2 months. After the expiration of the period for checking the taxes paid by you for the past period, you apply for a refund of your funds. You must attach your personal bank details to the application - the number of the personal account of a bank card or savings book. You must also provide copies of your passport, TIN and a copy of the bank's payment order on the transfer of funds for your apartment to the mortgage agency. An approximate refund date is assigned.
Step 4
After the expiration of the period appointed by the tax office, you can receive the amount due to you. It is best if you provide your bank card details. In this case, it is easy to check the fact of crediting funds at an ATM. In the case of a savings book, you will have to spend time queuing at branches of the Savings Bank to check the fact of receipt of money.
