How to get 260,000 rubles from the state law. What is the amount of refundable funds when buying a home

If you became the owner of a new apartment or bought it on the secondary market, you should know how to get 260,000 rubles from the state when buying a home, and this can be done right away!

In any case, you can get back up to 13% of its value.

For buying an apartment

Each resident has the opportunity once in his life to claim compensation after buying an apartment. This right was given to him by the government and enshrined in the Tax Code. Simply put, the owner of the apartment can return 13% of its price.

Of course, this is not just a gift from the state treasury - the return is due to income tax (personal income tax), which is paid by the owner of the property.

There are a number of conditions for receiving a deduction. Firstly, the amount from which you receive 13% is limited to two million rubles - the largest deduction is 260 thousand rubles.

Secondly, the receipt of money is limited by the time that has passed since the date of purchase of the apartment and the salary that you received during this time. Since the refund directly depends on the personal income tax (income tax) you pay.

Let's try to explain with a specific example. The apartment was bought by you for 1,700,000 rubles 13 months ago. So, you have the right to return 221 thousand (13% of 1.7 million). For 12 months you received 500 thousand rubles of official income. Making a tax deduction, this time you will receive only 65 thousand rubles - 13% of your half-year earnings. 156 thousand rubles is the balance that the state owes you. You can get this amount in the following years, over and over again submitting documents to the tax office and drawing up a new deduction. And so, until 221 thousand rubles are collected.

That is, the money is returned annually in the amount in which you paid personal income tax.

The right to return personal income tax comes no earlier than one year after the purchase of housing.

There is one more nuance. If more than three years have passed since the purchase, income tax is refunded immediately for 36 months. If this amount does not cover 13% of the value of the apartment, you will receive the rest in the same way in subsequent years.

New trends

But what if you have purchased cheap real estate (in the regions there is an opportunity to buy apartments within a million rubles on the secondary housing market)? I would like to issue a tax deduction, but it will be no more than 130 out of 260 thousand maximum possible. In 2014, the Tax Code was amended to protect the interests of just such owners.

Previously, the object was an apartment. Now it has become a man. In practice, this makes it possible to issue a personal income tax refund from several properties at once.
The main thing is that they have one owner. For example, you purchased three apartments for 800 thousand rubles each. From the first two, you make a deduction for 208 thousand rubles (13% of the total cost of two apartments), and you get the remaining 52 thousand deductions from the third.

The changes also affected apartments that are jointly owned. Now each of the owners of the apartment has the right to a tax deduction. This is convenient when, for example, spouses purchase housing for 4 million or more. If earlier it was possible to receive only 260 thousand rubles from him, now both the husband and wife can apply for a personal income tax refund for this amount.

Each of the owners of the apartment can issue a deduction only from the value of his share.

Where without restrictions

There are some factors that make it impossible to get a tax deduction. This applies to transactions between close relatives: an apartment is bought by a son from his father or a brother from his sister. Real estate changes owner within the family, then the actual enrichment does not occur. In the same way, 13% of the cost of housing cannot be returned if it is purchased by colleagues (for example, a manager to a subordinate). In these cases, transactions are also often fictitious. Therefore, the exemption does not apply to them.

There are a few more subtleties:

when returning personal income tax, interest on the loan is also taken into account if the apartment was bought with a mortgage;
sometimes it is beneficial to give up the right to deduct one of the property owners in favor of another, if that one has a larger official income (and, therefore, he can return a larger amount at a time);
with a deduction, you need to contact the tax office of the locality where the purchased housing is located. Your place of registration does not play a role here.

It is worth mentioning the alternative possibility of obtaining a tax deduction when buying an apartment. You can get not money, but tax savings - do not pay personal income tax at work.
Personal income tax will not be withheld from the salary until an amount equal to 13% of the cost of housing is accumulated. This method is not very popular, since it requires the participation of the employer in the process of processing the deduction. In addition, most apartment owners prefer to receive a large amount at once, instead of “stretching” the tax refund over several years.

Where without documents

You can make a deduction at any time of the year - the main thing is that at least 12 months have passed from the moment of the transaction. The tax office will check your documents for about two to three months. In April, the financial year ends for many enterprises and organizations. The tax authorities are busy until about mid-summer with work to verify their statements. Therefore, it is better to apply for a personal income tax refund either at the very beginning of the calendar year, or already in July, when the audit will subside.

To process the deduction, we will need a package of the following documents:

an application for a deduction;
homeowner's passport;
certificate 2-NDFL on income (needed from all places of work where the applicant worked during the time from which the deduction is made);
TIN (you need not just a number, but a certificate; if it is lost, then a new one is issued in half an hour);
certificate of registration of ownership of housing;
contract of sale;
confirmation of payment for the transaction (receipt, payment order or receipt);
a completed tax return (form 3-NDFL, submitted for each year; if the deduction is made for three years, three declarations must be submitted accordingly);

For more information about all aspects and innovations of obtaining a property deduction when buying an apartment through a mortgage, during housing construction since 2014, watch the video material - Step-by-step instructions to receive 260,000 rubles from the state:

When buying an apartment on a mortgage, the tax service will request additional paperwork:

loan agreement with the bank;
certificate of withheld interest;
receipts confirming that you repay the loan regularly.

There is no need to be afraid to go for a deduction - this right is guaranteed to you by the state. And the tax authorities have long worked out the mechanism for the return of personal income tax. All documents, if prepared in advance, can be submitted at a time, and then just wait a couple of months. Before submitting documents, carefully study the correctness of filling out the tax return - this paper is given special attention.

If you are not confident in your ability to do everything yourself, then you can contact a private agency, it will help. This, of course, will entail insignificant costs, but it will save you time and help you avoid mistakes.

Deduction when buying a home

Education and health

Retirement and charity

Deduction "for yourself"

Oleg Potapov

The duck that Russian President Vladimir Putin ordered to distribute 4,000 rubles to everyone has been walking around the expanses of social networks and instant messengers for more than a week. And everything would be fine, but there were quite a few, or rather, a lot of Russians who believed in this myth. And the question: “how to get 4,000 rubles from the state?” on numerous forums and answer services it sounds with enviable constancy. So where did the myth come from, and who benefited from launching it?

4000 rubles, 4500 rubles, 30000 rubles...

When the news appeared that the Russian authorities decided to distribute 4,000 rubles to the Russians, it is difficult to establish. Gradually, it spread throughout the entire segment of the Russian Internet. The source of the rumor was dubious Internet sites posing as the media, as well as publics on social networks. There was an active mailing by messengers: WhatsApp and Viber. Even trendy Instagram has gone into action. Moreover, a screenshot of the program of TV presenter Dmitry Kiselev was used as a photo, behind which Internet craftsmen posted a photo of Putin and the text “Putin ordered to distribute 4,000 rubles to each Russian.”

Comments on dubious news, as a rule, were critical. But there were also those who, in all seriousness, asked how to get 4,000 rubles from Putin on a bank card.

Having not received sensible answers, the Russians began to turn to specialists for help. Lawyers on the Internet were literally inundated with questions about how to get 4,000 rubles from the state. They advise everyone the same thing: do not be fooled by Internet hooligans.

Outright scammers have already begun to use a wave of excitement. For example, an article allegedly posted on a major federal channel claims that there was not enough money in the budget to pay everyone 4,000 rubles, so an organization designated as an authorized platform provided assistance. In fact, this platform is a conspiratorial online casino.

Many people know the proverb about free cheese in a mousetrap, but they continue to believe in a freebie. In 2017, a story already appeared in Runet that the authorities of the country would pay 30,000 rubles to each Russian. Then, allegedly, it was about the inhabitants of the Russian Federation, born between 1970 and 1993. Allegedly, a special one indicated that it was signed and the money is about to “shower” on the Russians. The fake news was then believed in exactly the same way as the fact that Putin ordered to distribute 4,000 rubles to everyone. Once again, lawyers were forced to upset many Russians by calling all such reports nothing more than a bike.

Share and distribute

Distribution of money to ordinary Russians was also offered at the official level, but such proposals never came from the authorities. In September 2017, deputies of the Communist Party faction in the State Duma submitted to the lower house of parliament a bill on the distribution of the share of income from mining among the population. The Communists proposed to distribute 20 percent of federal budget revenues from mining to the Russians. But not for everyone, but for those who are either officially employed and worked for at least 9 months a year, or were registered with the employment service and did not receive unemployment benefits. Deputies from the Communist Party of the Russian Federation preliminary considered that if the document was adopted, every Russian who was entitled to receive a payment could count on 10,000 rubles.

The Russian government gave a negative review of the draft law of the communist deputies. In the conclusion of the Cabinet of Ministers, in particular, it was stated that "the right of every citizen to receive income from the use of natural resources is realized." We are talking about the fact that part of these funds is spent on protecting the rights and freedoms of a citizen, the formation of the Reserve Fund and the National Welfare Fund.

4 million rubles each

State Duma deputies also made more radical proposals.

In 2007, deputies Viktor Alksnis and Sergei Baburin submitted a document to the lower house of parliament that would distribute 4 million rubles to each Russian citizen as compensation for savings lost during privatization in the early 1990s.

Many people called the idea populist, because at that time the amount that in total was proposed to be distributed to the Russians exceeded the annual US budget. The proposal of the deputies received a comment from President Putin. The head of state called it a "good project" and then ironically suggested "give everything away and leave."

Whatever the size of the amount - 4,000 rubles, 4,500 rubles, 10,000 rubles, 30,000 rubles and even 4,000,000 rubles - know that when it comes to distributing money for no reason or reason, this is a 100 percent myth. It's good if it's just an innocent deception, but it can hide real fraud and divorce. In this case, you will not only not receive material assistance, but also lose your own money.

Few people know that every Russian has the right once in a lifetime to receive 260 thousand rubles from the state. How does it work, and in what cases can you count on this amount?

We all pay taxes. And in some cases, our state returns to us part of the taxes that we paid. This possibility is spelled out in the Tax Code of the Russian Federation. The return of the tax we paid from the budget is called the provision of a tax deduction. Most often, those who buy housing use the right to receive it.

Deduction when buying a home

Such a deduction is provided once in a lifetime and is a very nice bonus if you use it. The amount is due to any citizen of the Russian Federation who pays income tax and buys real estate for himself or for a minor child.

How much you can get: 13% of the cost of the apartment, but not more than 2 million rubles. If there are two owners, then everyone can receive a deduction. That is, if the apartment costs 4 million, then each of the owners will receive 260 thousand rubles, in total - 520 thousand rubles. Note that this is true for apartments purchased after 01/01/2014.

How to get money from the state when buying real estate

If housing costs less than two million rubles, then you can "get" the missing amount at the time of the next purchase of real estate.

If the home was bought with a mortgage, then in addition to 13% of the cost of housing, you are also entitled to receive 13% of the amount of interest paid on the mortgage. Thus, those who buy real estate with a mortgage have the opportunity to receive more than 260 thousand (limit - 3 million rubles).

Documents are submitted to the tax service at the place of permanent registration. This can be done after registration of ownership or - in the case of buying an apartment in a house under construction - from the moment of signing the acceptance certificate.

However, this is not the only way to get 13 percent of legally paid taxes. There are many more types of deductions.

Education and health

If you study for a fee (full-time, part-time, in the evening, etc.), improve your skills, learn foreign languages, or just at a driving school, return some of your money back. You can also get your child's education tax refund.

If you are treated for a fee, you can return part of the money to your pocket, even if you paid not only for your treatment, but also for your spouse, children or parents. This category includes the cost of purchasing a voluntary medical insurance policy, a contract for childbirth, paid surgeries, prosthetics, IVF, medicines, and more.

Retirement and charity

If you are thinking about the future, namely about a pension, and transfer additional contributions or have entered into a voluntary agreement, you can also return part of the money to your wallet.

If you donate money to charity, the state will return some of this money to you. Sometimes goodness is rewarded.

Deduction "for yourself"

You can also get a deduction "for yourself" - it is provided to "Chernobyl victims", disabled since childhood, parents and spouses of dead servicemen.

Recall that any resident of the Russian Federation, as well as a person who has income subject to a rate of 13%, from which the tax was withheld, can apply for a deduction.

Cannot qualify - unemployed who receives unemployment benefits, as well as entrepreneurs who do not have income at a rate of 13%.

Oleg Potapov

Tax benefits when buying a home

or How to get money back when buying a property

(Property tax deduction)

As amended by Federal Law No. 212-FZ of July 23, 2013, Art. 220 of the Tax Code of the Russian Federation,

initial situation

You have purchased real estate: an apartment, a room, a residential building, a part of a residential building or a share that has a separate cadastral number. Perhaps I had to use a mortgage loan ... When buying a home, a citizen has the right to use the property tax deduction provided for by Article 220 of the Tax Code of the Russian Federation.

From January 1, 2010, the tax deduction rules also apply to situations related to the purchase of a residential building (or its share) with a land plot or a land plot intended for individual construction. In this case, the deduction is provided only if the individual has documents confirming the ownership of the land plot or its share, as well as a certificate of ownership of the house.

The property deduction also applies to the cost of paying interest on targeted loans (credits) received and spent on the purchase of an apartment, room, part of a residential building (or shares in the specified type of real estate), as well as a land plot with a house (or its share) . The property deduction in full can also be applied to interest on bank loans granted for the purpose of on-lending loans used for the construction or purchase of residential buildings, apartments, rooms or shares in them, land plots for individual development and land plots with houses (or their share).

How much can be returned

According to the Tax Code (Article 220), when buying a home, you are entitled to a refund of the paid income tax - 13%. The maximum amount from which payment is possible, from January 1, 2008. limited to 2 million rubles, that is, you can return a maximum of 260 thousand rubles. (2 million rubles x 13% = 260 thousand rubles)

If the ownership right arose before January 1, 2014, a tax deduction can only be claimed for one property, even if its value is less than the 2 million rubles provided for by law, the unused balance of the deduction in this case "burns out".

The new rules (since January 1, 2014) establish the right to claim a property deduction for expenses for the purchase of housing for several real estate objects in the total amount of 2 million rubles. This is especially true for families in which real estate is acquired in shared ownership by several citizens at the same time - in this case, each of the taxpayers can exercise their right to a deduction until they use the entire tax "limit" provided for by law. Important: The new rules apply if the documents confirming the emergence of ownership of the object are issued after January 1, 2014 and the taxpayer has not previously received a property deduction.

If the housing was purchased using a mortgage loan, you can additionally return 13% of the amount spent on interest payments (meaning the amount of interest on the loan, and not the loan amount itself). Since January 1, 2014, a limit of 3 million rubles has been set for calculating 13% of the amount of bank interest on a mortgage. Such a deduction will be provided only once in relation to a single property, regardless of whether this amount has been fully exhausted or not. The tax deduction for mortgage interest is provided as they are paid to the bank, that is, for each year.

If a housing under construction was purchased

In the case of construction or acquisition of an unfinished residential building (if the value of the property does not exceed 2,000,000 rubles), the following expenses may be included in the amount from which the 13% deduction is determined:

— expenses for the development of design and estimate documentation;

- expenses for the purchase of building and finishing materials;

- expenses associated with works or services for construction (completion of a house that has not been completed) and finishing;

— the cost of connecting to networks of electricity, water, gas supply and sewerage or the creation of autonomous sources of electricity, water, gas supply and sewerage.

Acceptance for the deduction of expenses for the completion and finishing of the acquired house or the finishing of the acquired apartment, room is possible if the contract on the basis of which such an acquisition was made specifies the acquisition of exactly unfinished construction of a residential building, apartment, room (rights to an apartment, room) without finishing or share(s) in them.

Until January 1, 2010, the costs of developing design and estimate documentation were taken into account as part of the property deduction only when building or acquiring a residential building (share), and such a right was not provided for finishing the purchased apartments (rooms). Since 2010, taxpayers have been able to apply a deduction not only for the costs of finishing materials and payment for the work of builders, but also for the costs of developing design estimates for finishing work in an apartment or room purchased on the secondary housing market (paragraph 15 of paragraph 2, paragraph 1, article 220 of the Tax Code of the Russian Federation). These changes apply to situations that arose after January 1, 2010.

The right to receive a property deduction when buying a home in a house under construction is confirmed by the act of transferring the apartment. When acquiring land plots provided for individual housing construction, or a share (shares) in them, a property tax deduction is provided after the taxpayer receives a certificate of ownership of the house.

Conditions under which you can exercise your right

1. The presence of citizenship of the Russian Federation.

2. You can use your right only once in a lifetime (with the exception of taxpayers who used a similar income tax benefit before 2001, that is, before Chapter 23 of the Tax Code of the Russian Federation came into force).

3. A citizen must be employed, have official earnings or other income from which tax is deducted to the budget, because. the tax payment is equal to the amount of income tax withheld from the citizen. A pensioner has the right to receive a property deduction if he has income subject to personal income tax at a rate of 13 percent (pension does not apply to such income). According to the Letter of the Ministry of Finance of the Russian Federation of December 16, 2009 No. 03-04-05-01 / 1013, a property deduction for the purchase of housing is not provided for tax periods preceding the emergence of the right to this deduction. In other words, if at the time of applying to the tax authorities an individual is unemployed, it is possible to claim a tax property deduction only on the condition that from the moment the right to deduction* arises until the moment the person applies for it, the person worked or received other income from which income tax was deducted. The property deduction will be provided in the amount of taxes transferred to the budget for this time period. From January 1, 2012, pensioners who have purchased housing are entitled, in the absence of income subject to personal income tax at a rate of 13 percent, to transfer the balance of the unused property deduction for expenses for the purchase of housing to previous tax periods, but not more than three.

4. If the apartment is acquired in the ownership of several people, the maximum possible amount of return is divided in proportion to the acquired shares among all homeowners, each owner has the right to receive money within the amount due to him, i.e. 260 thousand rubles for all (but from January 1, 2014, you can claim a property deduction for the cost of purchasing housing for several real estate objects - until the amount provided for by the tax deduction is completely exhausted). If the apartment is acquired in common joint ownership, the amount of the deduction is distributed among the co-owners in accordance with their written application.

5. Compensation of interest and value of real estate is made only in the case of the purchase of residential real estate (ie does not apply to commercial real estate).

6. If the purchase of real estate is made using bank credit funds, monetary compensation is possible only upon confirmation of the intended use of funds. Until 2005, only interest paid on mortgage loans was taken into account. Now, credits "for the purchase of housing" are also taken into account. Interest on a loan issued for the purpose of "personal consumption" is not included in the property deduction, even if the loan is actually used to purchase an apartment.

7. With a mortgage loan, it is possible to compensate for a part of the interest paid on the loan only if they are actually paid, documented after the end of each year.

8. A transaction for the sale of an apartment should not be made between close relatives or at the expense of the employer, the federal budget (a citizen has the right to apply a property tax deduction to the amount of expenses for the purchase of an apartment, reduced by the amount of funds received from the federal budget).

9. In accordance with paragraph 22 of paragraphs. 2, Clause 1, Article 220 of the Tax Code of the Russian Federation, the title documents necessary to confirm the right to a property tax deduction when acquiring an apartment in a house under construction is an act on the transfer of an apartment, and in an existing house - a certificate of state registration of ownership.

10. Since January 1, 2014, the right to a property tax deduction for parents who purchase housing in the ownership of minor children has been enshrined: tax deductions now apply to children under 18 years of age, in whose ownership parents or guardians acquire housing or land.

With regard to purchase and sale transactions involving minors, for which the right of ownership arose before January 1, 2014, there are various explanatory Letters of the Ministry of Finance:

- If the apartment is purchased in common shared ownership with a minor child (half of each share), then the parent has the right to receive a property deduction for himself and his child. (See Letter No. 20-14/4 of the Federal Tax Service for Moscow dated September 10, 2009/ [email protected]). This right follows from the Resolution of the Constitutional Court of the Russian Federation of March 13, 2008 N 5-P. The provisions of Decree No. 5-P apply exclusively to the case of the acquisition of an apartment in common shared ownership by one parent and a minor child (children).

- If the apartment is acquired in the common joint property of spouses, one of whom has already taken advantage of the property deduction when buying another home, then the second spouse is given a deduction in the amount of half of the property deduction (LETTER from the Ministry of Finance of the Russian Federation dated March 18, 2010 N 03-04-05 / 9 -112).

* The right to a property deduction arises from the moment information about the registration of ownership of a real estate object is entered into the Unified State Register of Rights to Real Estate and Transactions with It.

What documents are needed

Copies (originals of all documents to have with you for verification):

1. Tax return on income for the expired tax period;

2. Application for a property tax deduction (for a tax refund in full, do not forget to indicate the account number to which the money will be returned);

3. Certificate of ownership of the purchased apartment;

4. Loan agreement (if the apartment was purchased with mortgage funds);

5. Contract of sale;

6. Certificate of acceptance of the apartment;

7. Receipt from the seller on receipt of funds for the apartment;

8. Bank's certificate of interest paid on the mortgage loan (receipts of actually paid amounts), loan interest repayment schedule;

Tax "refund": how to get up to 260 thousand rubles from the state when buying an apartment.

Help 2-NDFL from the place of work.

10. Birth certificate of the child (children) - if one of the owners of the acquired housing is a minor; marriage certificate - when buying real estate with a spouse.

11. Passport of a citizen of the Russian Federation.

Where to go

To receive a property tax deduction, you must contact the Tax Inspectorate at the place of residence. It is better to have time to do this no later than April 30 of the year following the expired tax period (in order to get the spent for the year).

The taxpayer can exercise his right to provide a property tax deduction at any time from the moment such a right arises, the legislation does not provide for a time limit for filing an application.

Terms of consideration

For a full tax refund (if applicable) - at least 3 months (Tax Code, art. 78, 79).

To return the tax in installments (for employees) - after 30 days you can receive a Notification of the right to deduction from the tax office, which should be given to the accounting department at the place of work. The employer provides an individual with a property deduction starting from the month in which the taxpayer submitted the relevant application and a notification from the inspection confirming the right to the deduction, regardless of the date of registration of ownership of the apartment. Personal income tax withheld prior to receipt of these documents is not refundable.

If the property tax deduction is not used in full in the current year, its balance can be transferred to subsequent years until it is fully used (you will have to submit documents to the tax service annually).

information from the site:

http://www.n-s-k.net/instruction/group/10

Credit papers If a person applied for a mortgage, then he will still need to provide additional documents. Together with them you get a real weighty folder. So, we need a mortgage / loan agreement, a repayment schedule for the loan and dripping interest, and also a certificate issued by the bank. It should contain detailed information about the interest that the citizen has already paid.

How to get 260,000 rubles from the state? tax deduction without problems!

Anton decides to buy an apartment for 2,000,000 rubles. And, in accordance with the law, he is entitled to the notorious 13 percent deduction - 260,000 rubles. If Anton's salary remains the same, then for three years he will receive a deduction in the amount of 70,200 rubles, and then another year - 49,400 rubles.

Here's how to get up to 260,000 rubles from the state. Simple taxes that a person simply does not legally pay while working - this is what this material assistance implies. And if you remember how many all kinds of papers you need to provide in order to get permission from the tax! In the end, after all, in fact, a person is given the money he has earned.
It is not surprising why many now prefer to work without employment - it is really more profitable.

How to get 260,000 rubles from the state?

Collect documents on the purchase of housing or land. Just in case, take a certificate of income received in the form of 2-NDFL from the accounting department, and details of the organization indicating the TIN, checkpoint, address of the location. Write a statement about receiving a notification approximately according to the following model: for the deduction for personal income tax, you must attach: - Tax return for personal income tax for the year. Certificates 2-personal income tax from each place of work (issued by the accounting department at the request of the employee). - Documents confirming the right to housing.

How to get 260,000 rubles from the state

How to get 260,000 rubles from the state?
How to get 260,000 rubles from the state? tax deduction without problems!
260,000 from the state for every Russian how to get
How to get 260,000 rubles from the state
How to get 260,000 rubles from the state
An easy way to get 260,000 ⃏ from the state
How to get 260,000 rubles from the state is available to every Russian
How to get 260,000 from the state to a Russian once in a lifetime
How to get 260,000 from the state to a Russian

How to get 260,000 rubles from the state? Important Not all citizens of Russia know that 260 thousand rubles can be received from the state when buying real estate in the form of a tax deduction. This right is available to every Russian on a declarative basis.

How to get 260,000 from the state to a Russian once in a lifetime

Judging by the name, the income received by the taxpayer is taxed at several rates, the main rate is 13%. Every working citizen knows perfectly well what personal income tax is, because the employer regularly deducts 13% from his salary.

In this case, all concerns about the calculation, withholding and payment of tax fall on the shoulders of the employer's accounting department. She also reports to the tax on all amounts of personal income tax withheld.

Attention

A citizen does not need to interact with the tax office. Tax deductions for personal income tax are benefits that the state provides for income tax.

This topic is very large and ambiguous, contains many nuances.

260,000 from the state for every Russian how to get

A tax agent is an organization or individual entrepreneur who withholds income tax from your income and transfers it to the budget.

260 thousand from the state when buying a home in a mortgage how to get

Providing a deduction from your employer means that you will not have income tax withheld from your salary for the entire year, or until the deduction is exhausted.
Step 1. Collect documents on the purchase of housing or land. Just in case, take in the accounting department a certificate of income received in the form of 2-NDFL, and the details of the organization indicating the TIN, KPP, address of the location.

Write an application for receiving a notification approximately according to the following model: An application for a personal income tax deduction must be attached: - A personal income tax return for the year. - Certificates 2-NDFL from each place of work (issued by the accounting department at the request of the employee). - Documents confirming the right to housing. Step 2

Few people know that every Russian has the right once in a lifetime to receive 260 thousand rubles from the state. How does it work, and in what cases can you count on this amount?

Deduction when buying a home

How much you can get: 13% of the cost of the apartment, but not more than 2 million rubles.

260 thousand from the state when buying a home how to get

If there are two owners, then everyone can receive a deduction. That is, if the apartment costs 4 million, then each of the owners will receive 260 thousand rubles, in total - 520 thousand rubles. Note that this is true for apartments purchased after 01/01/2014.

If housing costs less than two million rubles, then you can "get" the missing amount at the time of the next purchase of real estate.

However, this is not the only way to get 13 percent of legally paid taxes. There are many more types of deductions.

Education and health

Retirement and charity

If you are thinking about the future, namely about a pension, and transfer additional contributions or have entered into a voluntary agreement, you can also return part of the money to your wallet.

If you donate money to charity, the state will return some of this money to you. Sometimes goodness is rewarded.

Deduction "for yourself"

You can also get a deduction "for yourself" - it is provided to "Chernobyl victims", disabled since childhood, parents and spouses of dead servicemen.

Recall that any resident of the Russian Federation, as well as a person who has income subject to a rate of 13%, from which the tax was withheld, can apply for a deduction.

Cannot qualify - unemployed who receives unemployment benefits, as well as entrepreneurs who do not have income at a rate of 13%.

Oleg Potapov

Not all citizens of the Russian Federation know that they have the legal right once in a lifetime to receive compensation from the state in the amount of 260,000 rubles.

This right comes into force when buying a home for yourself or a minor child, paying income tax.

A refund for the purchase of real estate is entitled to receive:

officially employed citizens of the Russian Federation;
employed pensioners;
parents of children under the age of 18.

A number of other conditions for obtaining:

be a citizen of the Russian Federation;
live in the territory of the Russian Federation for at least 183 days;
buy a home;
not previously receive a tax deduction, the amount of which would exceed 2 million rubles.

The tax legislation of the Russian Federation provides for the return of this amount to officially employed citizens whose employers systematically make personal income tax deductions to the tax service.

The maximum possible one-time compensation is 13% of the cost of the apartment, which does not exceed 2,000,000 rubles, that is, 260,000 rubles. There are cases when the cost of an apartment is much less than the specified limit, then an “addition” is possible in the event of the next purchase of real estate.

In the case of purchasing an apartment on a mortgage loan, it is possible to receive not only 13% of the cost of housing, but also 13% of the amount of interest paid on the loan. In this case, there is also a restriction, in total, the entire amount should not exceed 3,000,000 rubles.

To receive 260,000 rubles from the state, you need to contact the tax office

First of all, you need to contact the tax office at the place of registration after registration of the right to own the apartment. If the housing is still under construction, you need to apply after receiving the acceptance certificate. Before submitting an application, first of all, you need to obtain a certificate of form 2-NDFL. It is drawn up by the accounting department of the enterprise-tax agent.

After you need to make copies of the package of documents:

real estate purchase agreements;
a document certifying payment;
document on the right of ownership;
in case of a mortgage - a loan agreement;
agreements of all apartment owners;
bank account where the payment will be transferred.

The payment of one-time compensation will be carried out by the state not at one time, but in several steps. An exception may be the payment of the full amount of compensation to those citizens whose salary is 2,000,000 rubles a year. Then the personal income tax received from them to the treasury is 260,000 rubles.

In cases where there are several owners for one apartment, then each of them has the right to a tax deduction.

Based on the above information, we can conclude that the process of receiving 260,000 rubles from the state once in a lifetime is not as complicated as many residents of the Russian Federation think.

Starting this year, all working pensioners can take advantage of the tax deduction when purchasing a home. That is, to receive up to 260 thousand rubles.

2014 brought innovations in the rules for obtaining a property deduction. There are also items related to pensioners. How can working and non-working pensioners receive a property deduction for personal income tax (PIT)?

13 percent up

In Russia, income tax (also called personal income tax) is 13% and is considered one of the smallest in the world. And the right to tax deductions in our country are individuals who buy ready-made housing, build it themselves or participate in shared construction.

The essence of this deduction is that every citizen who acquires ownership or builds on his own a residential building, apartment or other housing is exempt from taxes on part of the funds invested in this housing. The amount of property deductions is calculated based on the actual costs of construction or purchase. At the same time, the maximum of such a deduction is limited - no more than 2 million rubles for residential real estate.

Thus, after submitting all the necessary documents to the tax inspectorate or at the place of work, the newcomer can receive a refund from the tax inspectorate of up to 260 thousand rubles (13% of 2 million rubles).

Only for pensioners!

What are the features of obtaining a tax deduction for non-working pensioners who have only one financial source of income - a pension? By law, it is not subject to income tax.

In this case, working pensioners have at least two sources of income: pension and earnings, from which the employer withholds the very 13% of personal income tax.

Actually, now there are no features. As Sergei Varlamov, a partner at Nalogovik, explained, at present, both working and non-working pensioners have the right to use property tax deductions when buying an apartment or other housing (share in it) or during its construction.

The expert recalled that from January 1, 2012, an addition was made to the Tax Code, according to which non-working pensioners without income can transfer the balance of the property deduction to previous tax periods.

There should be no more than three. And the three-year period is counted starting from the period preceding the year in which the balance of the deduction was formed. For example, if the right to deduct was created in 2012 and you applied for it in 2013, then the unused balance could be carried over to 2011, 2010 and 2009. But if this is done in 2014, then it will be possible to transfer the balance only to 2011 and 2010.

Applying in 2015, the balance can only be carried over to 2011. And in 2016, the right to transfer the balance is already canceled.

And from January 1, 2014, the transfer of the balance was extended to working pensioners. Before that, the remainder burned. Now working pensioners can apply for the transfer of the balance of the deduction, for example, for 2012, 2011 and 2010, if in 2013 they purchased or built any housing (share).

Attention! If a housing deal was registered in 2010 or earlier, Anton Sonichev, an expert of the Public Duma project, warns, then working pensioners, alas, cannot apply for the use of the balance of the property deduction.

Cases from life

Since December 2012, Alexey Petrovich Ivanov retired, since then he has not worked. In 2014, he buys an apartment with equity participation (together with his son). The right to deduction arises in 2014, but in fact he cannot use it for this year, because he does not work, and the source of personal income tax for 2014 was not formed. But he can transfer the deduction to the previous three years. True, only 2012 and 2011, when he was still working, will be counted.

The same option, but Ivanov retired back in 2010. Only 2013, 2012 and 2011 will be taken into account. However, since there were no taxable incomes in these years, there is nothing to provide a deduction from. Total deduction - zero rubles.

Another option. Ivanov has been retired since 2002, but still works. This means that he receives a deduction in the general order, that is, for 2014, 2015 and beyond until full use. Total: maximum 260 thousand rubles.

You asked...

In what situation is a non-working pensioner allowed to exercise his right to transfer the balance of the tax deduction?

Answer:

The unused balance of the deduction for those who receive a pension may appear if they once started using the property deduction, but could not receive it in full due to the lack of income subject to personal income tax.

This situation is possible when:

The taxpayer has retired;

A working pensioner quits;

A non-working person received a one-time income subject to personal income tax (from renting an apartment), which was not enough for a full deduction.

Your legal right once in a lifetime to receive compensation from the state in the amount of 260 000 rubles everyone has Russian citizen but not everyone knows about it.

The right comes into force when buying a home for yourself or a minor child, as well as about income tax payment. Everyone citizen of the Russian Federation can become the owner of this amount only once in a lifetime. The next condition is that these money will be received by people who buying a home, or intending to purchase it.

A refund for the purchase of real estate is entitled to receive:

officially employed citizens of the Russian Federation;
employed pensioners;
parents of children under the age of 18.

In addition to the above conditions, a number of others are added:

be a citizen of the Russian Federation;
live in the territory of the Russian Federation for at least 183 days;
buy a home;
not previously receive a tax deduction, the amount of which would exceed 2 million rubles.

Maximum possible one-time compensation- 13% of the cost of the apartment, which does not exceed the mark of 2,000,000 rubles, that is, 260,000 rubles. If an apartment / house costs less than 2,000,000 rubles, then a person can “get the missing amount” when he makes the next purchase of real estate.

Mortgage applicants are particularly interested in how to get the from the state 260 000 rubles. In addition to 13%, they are entitled to a return of 13% of the interest paid on the loan. This means that a person who bought a home with a mortgage has every right to a more “attractive” amount. But even here there is a limitation. It is equal to not two, but three million rubles.

To receive 260,000 rubles from the state, you need to contact the tax office

After you need to make copies of the package of documents:

real estate purchase agreements;
a document certifying payment;
document on the right of ownership;
in case of a mortgage - a loan agreement;
agreements of all apartment owners;
bank account where the payment will be transferred.

Pay one-time compensation will be carried out by the state not at one time, but in several stages. An exception may be the payment of the full amount compensation those citizens whose salary is 2,000,000 rubles a year. Then the personal income tax received from them to the treasury is 260,000 rubles.

In cases where there are several owners for one apartment, then each of them has the right to a tax deduction

True, quite recently they began to give permission for the so-called re-crediting. What does it mean? For example, a person found out about profitable mortgage offers from another bank. But it's too late - he already issued a loan a long time ago. It's OK. He can take out a loan there and pay off the mortgage at the expense of these funds. After that, already repay the debt on more favorable terms to this bank. What is the financial assistance of the state? Even though it can also be used to pay interest.

Based on the above information, it can be concluded that the process receiving from the state 260,000 rubles once in a lifetime not as complicated as many residents of the Russian Federation think.

What else is worth knowing?

It is also worth noting that 13% can be returned as compensation for paid treatment (expensive surgery, for example) or for studies. True, you will need to provide a lot of paperwork. In addition to acts for the purchase of housing and other things, it will be necessary to collect an agreement on paid treatment / education, a license from an institution (clinic or university), payment receipts and personal income tax. Then - all the same. Submission of documents to the tax office and a long wait.

If you believe the reviews, then the application can be considered up to three months. After the decision is made, the money will be credited to the person's account within 30 days. If a person is employed and monthly gives 13% to the state treasury, he can take advantage of this opportunity.

By the way, there are better deals. For example, "young family". As part of this program, they also give out money for the purchase of housing. There are a lot of documents and red tape, but you can get not 13, but 30 percent or even 35% (if you have a child).