When buying an apartment, house, share in an apartment, participating in the construction of your own home or taking out a mortgage, you can get a tax deduction. To obtain it, it is necessary to collect a number of documents and comply with the norms and requirements.
It is necessary
- -statement
- -identification document
- -certificate of income
- -tax return
- - a certificate of ownership and a copy of it
- - act of acceptance - transfer
- -contract of sale
- -a receipt from the seller indicating the amount of money received
- -your payment details
- -certificate from the bank about the mortgage loan (if the deduction for the mortgage)
Instructions
Step 1
The deduction can be obtained once in a lifetime only after the purchase is made and all the documents are completed, including the certificate of ownership of the person who is going to use this benefit.
Step 2
There are two ways to get a deduction. The first is that they will no longer deduct income tax from you until the amount of deduction is due to you. The second is a money transfer to your account.
Step 3
In the first case, to obtain this benefit, you can immediately after the purchase contact the tax authority, write a statement and submit documents confirming your purchase. You will be given a certificate, submit it to the accounting department of your company and they will stop calculating tax from you until the deduction you owe is collected.
Step 4
In the second case, you need to contact the tax office one year later or after filing a tax return for the past year. Write a statement and submit documents confirming your purchase.
Step 5
In all cases, you must apply for a deduction no later than three years from the date of purchase. The deduction is calculated based on the amount of two million rubles. If you paid more, there is no tax deduction for the remaining amount. That is, the maximum amount that can be returned is 260,000 rubles, 13% from two million.
Step 6
In order for you to be refunded the tax deduction to your account, it must be paid earlier. A tax deduction at work can be obtained without having previously received tax payments. Having submitted an application to the tax authority, you will be given a document and 13% tax will no longer be withheld from you.
