What is the tax on an apartment for pensioners

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

Is there a tax on an apartment for pensioners in Russia? This question is of interest to many. And not always directly beneficiaries. In practice, relatives of older people deal with this issue in order to evade paying taxes on an apartment. But is it worth it? Do people who have gone on a well-deserved rest have certain privileges in relation to real estate and property in general? It's worth talking about. After all, the nuances of our today's issue are not known to everyone. Most often, no one knows about them.

Do they always pay

First you need to find out if pensioners have benefits in relation to property taxes (apartments) or not. If not, in what cases is it worth making the appropriate payments.

Answering this question is sometimes difficult. After all, much depends on the specific situation. Property tax (apartments, houses, dachas) is a very delicate point in Russian legislation. And it is possible to draw the appropriate conclusions only taking into account all the accompanying circumstances.

Anyway,we can say for sure - the tax on an apartment for pensioners, in principle, exists. But it doesn't always pay. And there are many things that help you get benefits or completely exempt you from paying. All this remains to be seen further.

Property

For example, there is a so-called property tax. Among the population, it is better known as a property tax. Most often it applies to apartments and houses. Requires annual contributions from taxpayers.

But not in our case. The tax on an apartment for pensioners (property) is completely absent. In any arrangement. Only a few people know about it. And the tax authorities continue to send the relevant payment documents from year to year, which are paid. To stop this phenomenon, it is usually necessary to apply with an application and evidence of your benefits. Remember, pensioners do not pay property tax at the moment. Never ever. No exceptions.

Purchase by employees

The next situation that may concern real estate is its purchase. Very often, citizens have the right to a deduction from a completed transaction. And the tax at purchase of an apartment by the pensioner is not paid. Working seniors are eligible for a qualifying deduction for the specified time period.

This is quite a simple process. For him, you will have to present all the declarations, as well as certificates of spending, of ownership. And you will get 13% of the completed transaction back.

In practice, this possibility is used very often. Nobody wants to miss her. But it is advisable to hurry - the pensioner will have only 3 years to make a request for a tax deduction from the purchase of an apartment. After this period, this right expires. And there is no way to return it.

For the unemployed

By the way, the tax on an apartment for pensioners who do not work also has its own nuances. If an elderly person suddenly buys a property, then he can receive, as in the case described above, a corresponding deduction. In such a situation, many conditions will have to be taken into account.

For example, you can make a deduction for any year preceding the purchase, but no more than 3 years. In addition, you are en titled to a refund of 13% of the completed transaction. Moreover, the maximum amount of the deduction cannot exceed 2 million rubles. These are the rules that exist in modern legislation.

Please note, if a citizen who has retired on a well-deserved rest does not buy an apartment, but land, then he must pay all taxes in full. In this regard, the state does not give any concessions. Land tax is paid by all taxpayers in full. And it doesn't matter who you are - a pensioner or a working citizen.

Sale

Often old people agree to sell their property. This is quite a common case. And many are wondering whether it is necessary to pay tax on the sale of an apartment to pensioners. After all, such citizens do not pay property contributions!

It's nothingchanges. The tax on property (real estate) has nothing to do with the contract of sale. According to modern laws, all taxpayers must pay income contributions. That is, those that are accrued for the income received by citizens.

No one exempts pensioners from them. It turns out that even older people must pay income tax in full. It appears when real estate or any other property is sold. There is no way to get away from him. In Russia, this rule applies to all taxpayers.

How much to pay

How to calculate apartment tax? Everything is very easy and simple. We have already found out that when buying an apartment, all pensioners have the right to get back a certain amount of money spent on the transaction. And what about the sale? How much to pay? What will be the tax on the apartment in this case? The calculation is extremely simple.

It is enough to turn to modern legislation. In Russia, income tax, as you know, leaves 13%. Just this amount from the transaction will have to be transferred to the tax authorities. There is a small exception to the rule when this payment does not make any sense and legal grounds. And not just for retirees. But more on that later.

From what amount should you "start"? There are 2 different values of real estate - cadastral and market. In this sense, it is difficult to answer. According to the laws, a deduction of 13% must be made on the cadastral value of the apartment. But the tax authorities see it differently. Andrequire recalculation at the market price of the apartment. Do not agree to this, this is a direct violation of your rights. Remember, calculations are carried out only on the cadastral value. Pensioners need to "start" from these data.

Exception to rule

What was the exception? There may be no tax on an apartment for pensioners upon sale. This has already been said. But one sacred rule must be observed. Which one?

Owned housing must be owned by an elderly person for at least 3 years. It is desirable that this period be longer. In this case, income tax from the completed transaction is not paid. This means that there will be no monetary pen alties from the pensioner when selling the apartment. Very good news for those who for a long time did not dare to make such a deal. All funds received will be in full. There is nothing difficult to understand in this. Just remember - in order to sell an apartment without paying taxes for a transaction, you will have to wait at least 3 years from the moment you purchase it.

How to claim benefits

The last question remains. We figured out when the apartment tax takes place. Benefits for pensioners are also provided. To get them, you need to contact the tax service with a certain list of documents. And claim your rights. What is the procedure for applying? What does it take to get real estate benefits for retirees? Take with you:

• application for a benefit (if there are several optionsonly one is selected to receive a tax credit);
• passport of a citizen of the Russian Federation;
• SNILS;
• bank account details (for deduction);
• documents confirming your preferential rights;
• pension certificate;
• certificates of income and pension payments;
• certificates of ownership.

That's all. With a complete list of documents, you should contact the tax authorities at the place of your registration (or residence). And you will be given the proper privileges. If you need to make a deduction for property tax, then attach payment documents and declarations confirming the overpayment to all of the above papers. Over the last 3 years. That's all. Now we know everything about tax contributions for pensioners regarding apartments and real estate in general. By the way, when it comes to transport tax, the elderly, as a rule, pay only 10% of the amount indicated in the document. Or nothing at all if the car is equipped with a low-powered engine.