2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Today we will be interested in documents for the deduction for an apartment. In fact, it is not so difficult to guess what is required of us. However, not all citizens are aware of this list. This means that you have the right to refuse a deduction. Not the most pleasant outcome, is it? Therefore, let's thoroughly study the complete list of everything that is needed to receive funds from the state when making a purchase and sale of real estate. In our case, this is an apartment. Or house/land. Proper preparation will make the process as easy as possible for you.
ID card
Fixing a tax deduction when buying an apartment is not so difficult. Most of you are probably familiar with this process. If you properly prepare for it, then you will not be afraid of any problems. They simply will not arise.
The first document you need to claim your tax credit is your ID. You can use any such document, but, as practice shows, it is best to present a passport. And a copy of it. She isattached to the rest of the list of required papers. Certification is not required.
Perhaps there will be no problems with this document. After all, the passport of a citizen of the Russian Federation should always be with you. It is this document that is always required for any tax transactions. Consider this.
Statement
What's next? Documents for a deduction for an apartment do not make any sense without drawing up an appropriate application. That is, you must submit a request in writing to the tax authorities. You will not receive a deduction without a claim.
It is easy and simple to make - just indicate your details and data, as well as the reason for the return of funds. In our case, this is the purchase of an apartment. That's all. After that, you will have to sign the document, and then attach it to your passport and other papers.
Pay attention to one important factor - the text of the application also indicates the bank details to which you will have to receive funds. If you miss this moment, you can wait for the tax authorities to refuse to refund the money.
Declarations
What else might be useful? Making a tax deduction when buying an apartment without fail includes such an item as the preparation of a tax return. Without it, it is also impossible to pay taxes or recover part of the money spent.
The form we need is 3-personal income tax. Its registration does not cause trouble for citizens. You can use a special program that will helpprepare this declaration and fully prepare it for printing.
Only the original is served. Copies of 3-NDFL are not accepted by the tax authorities. If you need exactly the same document "for yourself", just print it in duplicate. And that's it. Know that with copies of the tax return, they simply will not even talk to you. Such rules are established in Russia at the moment.
2-NDFL
Moving on. Documents for a deduction for an apartment is not such a problematic issue if you prepare well for it. After all the above papers are ready, you need to somehow confirm your income. There is another reference for this. It's called 2-personal income tax.
If you work for yourself, you will have to fill it out yourself. This is done using the same applications where you prepared the 3-personal income tax return. No particular problems arise during operation.
However, more often than not, citizens work for someone else. And this technique saves them from unnecessary paperwork. A 2-NDFL certificate must be issued to you by your employer. Ask for it in the accounting department of the company in which you work. There are usually no problems here.
True, please note - the documents for the deduction for an apartment, namely the 2-NDFL certificate, as well as the tax return, must be submitted in the original. That is, no copy of it will be accepted from you. So make sure that 2-personal income tax is attached only in the original.
Agreement
What else? NowWe proceed to more serious and important documents. The thing is that all of the above papers are the so-called standard. With any tax deduction, they are submitted to the tax authorities. But then for each case there is a list of documents.
It is impossible to get a tax deduction when buying an apartment / house / land, unless you somehow document the transaction. How exactly to do it right? You need a sales contract in your name. It is important that you are listed as the buyer. Otherwise, no deduction will be made.
A certified copy is being submitted. If you want, you can give the original, and keep the second copy of the contract for yourself. But remember - without it, the deduction is impossible. This moment also does not cause any special problems for citizens. After all, a sale and purchase without a contract cannot be considered completed at all.
Testimony
Do you need a deduction when buying an apartment? Documents, no matter how strange it may sound, may not immediately be with you. After all, some will have to receive some time in various instances. For example, we are talking about a certificate of ownership.
You will not have it immediately after buying a property, but only after some time. Approximately one month after the transaction. So there is no need to rush to tax deduction. You will have enough time to complete it.
Certificate of ownership can be submitted as an original or a copy of the document. It's better to use the second option. After all, a duplicate certificate will also have to be obtained if you lose the original. And so you will always have this document. Certified copies must be accepted by the tax authorities.
Payments
Documents for deductions are various. But without fail, all citizens must somehow confirm their expenses. Of course, bills and checks come to the rescue here. It is advisable to present the originals of these, and keep copies for yourself. Or certify duplicates and attach to the tax return.
Usually there are no problems with this moment either. Just make sure that your data is indicated in the payment document. Only the person listed as the payer is en titled to the deduction. And no one else. That is, it is impossible for different citizens to be indicated in the payment order and the contract, as well as in the declaration. It's illegal. In this scenario, you will not be made a tax deduction for the apartment (reimbursement). The tax will be full, and you will not be able to return the money.
Mortgage
In principle, these are all deduction documents for an apartment. True, often such real estate is purchased with a mortgage. Oddly enough, but even in this situation, you have the right to a refund of the money spent on the purchase of housing.
It is enough to supplement the above list of documents with some papers. There are no problems with them either. In any case, this is exactly what many citizens who have already encounteredwith a similar situation.
What should you be required to do? First, the mortgage agreement. It is needed either in the original or in a certified copy. The second option is in great demand among citizens. An exception is if for some reason you have two original copies of the mortgage agreement.
Secondly, you will need receipts confirming the payment of interest on the mortgage. Again, it doesn't matter in what form you attach them - copies or originals. The main thing is that it is you who are indicated in the payment document, and not someone else. This is how easy and simple it is to get a tax deduction for an apartment in one case or another.
Timing and order
What else do you need to know so that there are no problems with the return of money when buying a property? For example, about the deadlines that you must meet with the collection of all documents. As practice shows, if you immediately start processing the deduction, you can be ready in 1.5 months for a visit to the tax authorities. The longest thing to wait is the issuance of a certificate of ownership in your name.
The application itself with the declaration is considered for approximately 2 months. After this period, you will receive a response from the tax authorities with a refusal or approval of the deduction. And, as practice shows, in another month or two, you will receive the required funds to the account indicated in the application. Thus, on average, the process of registration and receipt will be about six months. But you can file a tax return until the end of the tax reporting period. That is, until April 30 eachof the year. In addition, under modern laws, you are en titled to receive deductions for the last 3 years. So you can take your time.
One more thing - if you are a pensioner, you will have to attach to all the above documents also a pension certificate (its copy), as well as certificates that can confirm your benefits, if any. It is also not problematic, especially if you know the complete list of all necessary documents for deductions.
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