Documents for a deduction for an apartment. Making a tax deduction when buying an apartment

Today we will be interested in documents for a deduction for an apartment. In fact, it's not so hard to guess what will be required of us. Nevertheless, not all citizens are aware of this list. So, you have the right to refuse a deduction. Not the most pleasant outcome, is not it? Therefore, let's thoroughly study the full list of all that is needed to receive money from the state when buying and selling real estate. In our case, this is an apartment. Or a house / plot of land. Proper preparation will make it easier for you to process to the maximum.

Identification

Making a tax deduction when buying an apartment is not so difficult. Perhaps, many know this process. If you properly prepare for it, then no problems will not be terrible for you. They simply will not arise.

The first document you need to receive a tax deduction is your identification card. You can use any such document, but, as practice shows, it is best to present a passport. And its copy. It is attached to the rest of the list of necessary papers. Do not need to certify.

Perhaps, with this document, there will be no problems. After all, the passport of a Russian citizen must always be with you. This document is always necessary 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 without fail. Without a statement you will not make a deduction.

It is made easy and simple - just specify your details and data, as well as the reason for the refund. In our case, this is buying 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 - in the text of the application, you also specify bank details, to which you will be required to receive cash. If you miss this moment, you can wait for the refusal of the tax authorities to refund the money.

Declarations

What else can come in handy? Registration of a tax deduction for the purchase of an apartment necessarily includes such a point as the preparation of a tax return. Without it, you can not pay taxes either, or recoup some of your money.

The form that we need is 3-NDFL. Registration of it does not cause trouble for citizens. You can use a special program that will help to compile this declaration and prepare it completely for printing.

Only the original is served. Copies of 3-NDFL are not accepted by tax authorities. If you need exactly the same document "for yourself," just print it in two copies. And that's all. Be aware that with copies of the tax return you will simply not even talk. Such rules are established in Russia at the moment.

2-NDFL

We move on. Documents for a deduction for an apartment - the question is not so problematic, if you prepare for it properly. After all of the above listed papers are ready, you need to somehow confirm your income. For this, another reference is made. It is called 2-NDFL.

If you work for yourself, you will have to fill it yourself. This is done with the help of the same applications where you made a tax return of 3-NDFL. No special problems arise during the work.

Nevertheless, most often citizens work for someone. And this method removes them from unnecessary paper red tape. You must give your 2-NDFL certificate to your employer. Apply for it to the accounting department of the firm in which you work. As a rule, there are no problems.

True, please note - documents for deduction for an apartment, namely a certificate of 2-NDFL, like a tax return, must be filed in the original. That is, no copy of this you do not accept. So take care that 2-NDFL was applied only in the original.

Agreement

What else? Now we start more serious and important documents. The thing is that all of the above mentioned papers are the so-called standard. With any tax deduction, they are submitted to the tax authorities. But further for each case there is a list of documents.

Tax deduction for the purchase of an apartment / house / land can not be obtained unless you document the transaction in some way. How to do it right? Need a contract of sale in your name. It is important that you are the buyer. Otherwise, no deduction will be made.

A certified copy is sent. If you want, you can give the original, and leave yourself a second copy of the contract. But remember - without him a deduction is impossible. This moment also does not cause any special problems for citizens. After all, buying and selling without an agreement at all can not be considered held.

Certificate

Do you need a deduction when buying an apartment? Documents, however strange it may sound, may not be immediately available to you. After all, some will have to get some time in those or other instances. For example, we are talking about a certificate of ownership.

It will not be for you immediately after the purchase of real estate, but only after some time. About a month after the transaction. So there is no need to hurry up with the tax deduction. You will have enough time to decorate it.

A certificate of ownership can be presented either as an original or as a copy of the document. It is better to use the second option. After all, a duplicate of the certificate will also have to be received if you lose the original. And this document will always be with you. Certified copies of the tax authorities must accept you.

Payments

Documents for deductions are varied. But without fail all citizens must somehow confirm their expenses. Of course, here come to the aid of payments and checks. It is advisable to present the originals thereof, and leave a copy for yourself. Or to certify duplicates and attach to the tax return.

Usually, with this moment, too, there are no problems. Unless, make sure that your payment details are indicated in the payment document. Only those who are listed as payers are entitled to a deduction. And no one else. That eats it is impossible, that in the payment and the contract, and also in the declaration different citizens have been specified. It is illegal. In this scenario, you will not be given a tax deduction for an apartment (compensation). The tax will be complete, but you can not return any money.

Mortgage

In principle, these are all documents for a deduction for an apartment. True, often such a property is purchased in a mortgage. Strangely enough, but even in this scenario, you have the right to refund the money spent on the purchase of housing.

It is enough to supplement the above list of documents with some papers. They also do not have any problems. In any case, this is how many citizens who already faced such a situation assure.

What should you require of you? First, the mortgage contract. It is needed either in the original or in a certified copy. The second option is in great demand among citizens. Exception - if you for some reason had two original copies of the mortgage agreement.

Secondly, you will need a receipt confirming the fact of paying interest on the mortgage. Again, it does not matter in what form you attach them - copies or originals. The main thing is that in the payment document you are specified, and not someone else. That's so easy and simple you can get a tax deduction for an apartment in this or that case.

Terms and order

What else you need to know in order that with a refund of money when buying a property did not have any problems? For example, the timing in which you must meet with the collection of all documents. As practice shows, if you immediately deal with the registration of a deduction, you can be ready in 1.5 months to visit the tax authorities. The longest that can be expected is the issuance of a certificate of ownership of your name.

The declaration itself is considered for about 2 months. After this period you will receive a response from the tax authorities with a refusal or approval of the registration of the deduction. And, as practice shows, a month or two later, you will receive the funds due 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 before the end of the tax reporting period. That is until April 30 of each year. In addition, according to modern laws, you have the right to receive deductions for the last 3 years. So you can not hurry.

One more thing - if you are a pensioner, you will have to attach to all the above-mentioned documents a pension certificate (a copy of it), as well as certificates that can confirm your benefits, if any. Also not problematic, especially if you know the complete list of all the necessary documents for deductions.