Tip 1: How to make a tax deduction when buying an apartment

Tax deduction granted to all citizens of the Russian Federation at buying an apartment or house (its construction) in the Russian Federation.Such deduction put citizens whose income is subject to 13% withholding tax, and includes the amount spent on the purchase of property or interest on a mortgage.
Guide
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To issue a tax deduction , you will need to provide the tax authority at the place of residence the following documents.First, you should write a statement to the head of the institution about getting a tax deduction and the purchase, construction or mortgage lending.You must have the original certificate of ownership of the apartment, a contract of sale, the act at EMA transmission apartments, all payment documents confirming the transfer of money (it can be released seller, a copy of the receipt on payment fee receipt to when Khodnev orders, cash and receipts, etc.).
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These documents at lozhite income tax return for the last year and the credit agreement, if the ap
artment at is acquired in the mortgage.Meaning to issue tax deduction is only when you get the official salary.Take the employer certificate 2NDFL wage and at attach it to other documents.
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If you want to get a tax deduction at work, you can not file a tax return.Employees tax inspection on your application within 30 days give your hands a certificate on the situation of privileges.The document you at wear in the accounting, and on its basis to not have income tax withheld for a specified time.The certificate is issued for the current period, and every year the need to renew it.
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Thus, all documents must provide annually to the tax authority to confirm their eligibility, as long as it will be paid at all summa.Esli -found the apartment you do not pay as well,on at measures, the employer, the tax deduction you is not available.The limitation period for the registration of the tax deduction but not provided.If annual salary does not make a lump sum deduction and its payment is transferred to the next year.
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Tax deduction can get once in a lifetime.If the apartment is purchased in fractional ownership each of the owners shall be entitled to deduct , which is calculated on the basis of 50% the size of the purchase price.
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make out the tax deduction to the apartment through a tax deduction advantageous when you do not want to know about it a wide circle of people you are working several jobs, you need a large sum of money srazu.Oformlyat deduction in the workplace is good when you get a small salary, or vice versa.When there is a large salary, then you get the whole deduction faster.
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If you arrange tax deduction to buy an apartment through a mortgage, apart from the loan agreement, you must provide a bank statement on the payment of interest for each year, a statement of cash flows to repay the loan from the date ofits registration until today.
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After that, the tax authority will review your application to at proposal and give an answer within three months from the filing date.Cash can be obtained at the expense of the same period of the current year.Every year you must renew your right to benefits and provide new documents to the tax authority.

Tip 2: How to make a deduction for the purchase of apartments

you bought an apartment.According to the law, according to the Tax Code of the Russian Federation, you have the right to receive property deduction .The annual amount of its cost depends on the purchase of housing and the amount of income tax you paid during the year in the workplace.
How to make a deduction for the purchase of apartments
Guide
1
maximum amount of property deduction when buying apartments since 2008 - 2 000 000.Thus, if your apartment is worth 2 million rubles.or more, you will get 260 000 p.(13%) of compensation.The deduction you can get a year registration of ownership of an apartment or a year, issuing an act of reception and transmission home - under the Treaty of share participation in construction (investment agreements).Payments will be made adequate yearly amount of income tax (13%), paid by you for help (Help) 2-PIT (monthly salary).
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For example, you bought small families for 1 million rubles.in 2009.You have the right to receive 130 000 p.For example, the income tax paid: in 2009 - 32 120 p., In 2010 - 40 880 p., Total 73 000 p.Thus, the remaining 57,000 will get you in the coming years.
For deduction when buying apartments must pass the tax office at the place of residence (registration!) 3-PIT declaration.
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for its registration needed documents (copies):
1. Passport (c reversal photos and page with registration).
2. The certificate of registration with the tax authority - INN.
3. FAQ (Help) income (Form 2-PIT) of employment (original).
4. The certificate of registration of property rights to housing.
5. The contract of sale apartments (home) or a contract of investment.Receipts, bank money orders, and other financial documents for housing.
6. Acceptance protocol apartment (house), the receipt of that seller about getting your money (with an indication of the amount of passport data and addresses of the parties at the time of the transaction) - in the case of buying an apartment from an individual.
7. passbook to the person receiving the deduction.Need: bank name, branch number of the bank, its details (INN, BIC, correspondent account, etc.), № your account.
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If the apartment-building value of less than 2 million rubles.purchased without finishing, and it is recorded in the contract, - provide documents purchase necessary building materials (trade and cash checks) contracts related to work on finishing with the relevant documents for their payment (starting from year to conclude the agreement before the date of registration ofproperty).13% of the money spent and returned (to the total price of housing 2 million p.).
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If you take the target credit for purchase housing (loan for emergency needs are not taken into account), provide: a loan agreement, receipt of loan repayment in the fiscal period, a summary letter from the lending institution for contributions to taxperiod.This certificate is required breakdown of contributions to the principal and interest - by month and year.After payments of compensation for the purchase of apartments you put 13% refund of the amount paid to repay the interest on the loan - above the limit of 260 thousand p.
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money transferred to the savings account.As a rule, three months from the tax goes to check declarations month - for the transfer of money.You can check out the property deduction at work: with you simply will not withhold income tax.What is written in the application of this procedure, you will explain to the tax office.The documents required are the same.
Note
legislation changes!Specify information about privileges and the list of documents required to obtain it in his tax office.
Helpful Hint
Deductions are available for the three previous years.That is, if you bought a house, for example, in 2006 (and then "ceiling" was 1 million p.), And choose to receive a deduction in 2011, the reference 2-PIT zachtut 2008, 2009, 2010.The money you will not lose, but the timing of the return (if a small salary) stretch.
Sources:
  • Tax Code, Part II, gl.23, Article 220.

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