Refund of tax deduction when buying an apartment: documents. Deadline for tax refund when buying an apartment

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

So, today we will be interested in the deadline for the return of the tax deduction when buying an apartment, as well as the list of documents that will be required to provide to the appropriate authorities. In fact, this question is interesting and useful to many. After all, when paying taxes and making certain transactions, you can simply return the “nth” amount to your account. A nice bonus from the state, which attracts many. But such a process has its own deadlines and rules for registration. It's not that hard to remember them. How is the tax deduction refunded when buying an apartment? What documents are required? How long does it take to take advantage of the opportunity? There must be at least some restrictions!

How much?

Yes, there are. But about them a little later. After all, to begin with, it is worth considering in more detail what, in principle, we are talking about. How much can you get back from a deal? Is there a return limit? The tax deduction, as a rule, allows you to receive 13% of your expenses. This process has its limits on the amount that is returned to the taxpayer. This is 260,000 rubles. You have the right to return only funds from the apartment, worth up to 2,000,000 rubles. So don't be surprised. Everywhere has its own rules. More than 260 thousand will not be returned in any way. This is illegal.

When?

But don't worry too much. After all, the period for the return of a tax deduction when buying an apartment is not so short. You will definitely have time to prepare for it. And in general, registration with the correct collection of documents will seem like a trifle.

How long will the taxpayer have to meet? In general, property deductions, like any other, can be issued within 3 years after the transaction. That is, it is not necessary to rush to prepare documents immediately after the purchase. Yes, you don’t need to hesitate either, but panicking that you won’t have time to implement the idea is not the best trick.

In practice, usually the period for the return of a tax deduction when buying an apartment is set at 1 year. No, you can do it later. But citizens are used to paperwork until the end of the tax reporting period. Therefore, in fact, they even try to get rid of the deductions as soon as possible. It's not as difficult as it might seemat first. All you need is to collect a certain list of documents, present them to the tax office, and then just wait.

After submission

Now a new question arises. What is the deadline for the return of the tax deduction when buying an apartment after submitting an application? After all, you need to understand how long the tax authorities are considering a particular case. It's hard to come to a consensus here. Especially when you consider that in different regions there is a varied duration of approval of any deduction, not necessarily property.

What can you expect on average? What is the deadline for the return of the tax deduction when buying an apartment? Reviews by the taxpayer most often indicate that about 4 months will be allotted for everything. This is how much the deduction will be issued after you submit the application. Of this period, about 2 months, only the application is considered. And the rest of the time, the money is transferred to the taxpayer's account. Sometimes this process takes less time, sometimes more. But on average, it is worth counting on 4 months. This is the deadline for the return of the tax deduction when buying an apartment after you have submitted the documents for consideration. If you need to re-register, you will have to “reset the counter”. And again count about four months. In principle, this is not such a problem.

Statement

Well, now it's time to take a closer looka direct list of documents required for the transaction. If you think about it, then the return of the tax deduction when buying an apartment is not so difficult. You don't need a lot of paperwork. A few important points will suffice. And a bit of patience. So where do you start?

Of course, with the preparation and writing of the relevant statement. The thing is that any deduction should be provided only if the necessary paper is available. At the request of the applicant. A sample filling can be viewed on the official website of the Tax Service of the Russian Federation. There is also a form that will help you make a request for further use. Provided in a single copy - the original.

Personality

Do not forget that any paperwork is necessarily accompanied by the establishment of your identity. That is, you need the appropriate document. In our case, this is nothing more than a passport. Or rather, a copy of it. Make sure you have a photocopy of all pages in advance. In particular, 2, 3 and the one where the registration is indicated. Information about marital status should also be available. The original is not required to receive the deduction. Enough copy. If desired, it can even be certified. But to be honest, many people just provide a photocopy and don't bother.

Income

The next thing to consider is your income. The tax deduction refund period for buying an apartment cannot start counting before you confirm yourtaxpayer status. That is, do not point to income. Here you will have to present a certificate of 3-NDFL. It fills in on its own. And at the moment you can do this with the help of a special program on a computer. You must also attach Form 2-NDFL to the application.

The second document is self-produced if you work for yourself. Otherwise (as it usually happens), the paper is taken from your employer in the accounting department. This is a kind of confirmation that you have taxable income. Only original certificates are accepted. They are needed in a single copy. So take that into account. A copy of the work book will not be superfluous.

Expenses and property

How to get a tax refund when buying an apartment? The documents that were given above are far from all that is needed. Now that you have the relevant certificates, you must confirm your ownership of the property. And don't forget about expenses.

What might be required here? First, a certificate of ownership, a copy, preferably notarized. Secondly, the contract of sale, as well as various receipts from the seller, confirming the fact of the transfer and receipt of money from you. Checks and receipts (or rather, their copies) are also mandatory items. Without the listed documents, you will not be able to implement the return idea.

Other

This is not the end of the matter. Tax refund forbuying an apartment for pensioners and not only usually requires additional paperwork. It does not cause much trouble, but it takes place. So, for example, it is pensioners who must confirm their status and benefits. They present copies of he alth certificates (especially in case of disability), as well as a pension certificate. Men must attach a military ID. This is especially true for retired military personnel. But the list doesn't end there either. What else might come in handy?

For example, very often citizens are asked to present birth certificates of children, as well as marriage and divorce papers. These are not so important points, but sometimes they can interfere with the design. More precisely, move it aside for a while. Enough of the most ordinary copies. Attach them just in case, so that there are no unnecessary questions and problems.

Mortgage

No matter how strange it may sound, but with a mortgage, you can also get back part of the money spent. True, here the maximum cost of housing will be not 2, but 3 million rubles. But the percentage remains the same - 13%. What is the deadline for the return of the tax deduction when buying an apartment on a mortgage? The same as in all other cases. You have the right to submit a request after a maximum of 3 years, the duration of the review will be approximately 4 months. There are no differences and never will be. Unless in relation to the submitted documents. To the above list, you will also have to attach a mortgage agreement along with receipts for paymentpercent per transaction. Without them, there is no way to return the deduction for a mortgage.

Requisites

The main thing is to provide the details for replenishing your account. Bank details must be indicated in the application for a tax deduction. Without them, you will simply be refused.

In principle, there is nothing difficult in the details. Specify the account where to transfer money, directly in the application of the established form. As soon as a complete list of documents is ready, submit them for consideration to the tax service. And now you can just wait. After some time, you will receive a response from the authorities with a decision to grant a deduction or refusal, indicating the reason. If you are overtaken by the second option, correct the situation and try again. In the first case, it remains to wait for the direct transfer of funds to the account.