How to get from the state 260 000 rubles: advice. How to get from the state 260 000 rubles for real estate?

How to get from the state 260 000 rubles and is it possible? Yes, it is quite. Many people who have found out about this have a sparkle in their eyes and a burning desire to find out the details as soon as possible. Indeed, a quarter of a million is good money. 99.9% of the population, after hearing about this amount, immediately estimate what they would spend it on. But it's not so simple. Unfortunately, in Russia it's just that nobody gives money to anyone. It is necessary to meet certain conditions.

General provision

The first thing that should be noted with attention, telling about how to get from the state 260 000 rubles, so this is the main condition. And it consists in the following: every citizen of the Russian Federation can become the owner of this amount, but only once in his entire life. Well, the second condition is - this money is given to people who bought housing. Or gather it to take it.

260 000 rubles from the state can get every citizen of the Russian Federation, paying income taxes. They give the amount to the person who buys a home for himself or an underage child.

Specification of funds

Speaking about how to get 260 000 rubles from the state, it is necessary to note one important nuance. The specified amount is the maximum. Generally, as a rule, a citizen is given 13% of the cost of housing, which he laid eyes on, and it should not exceed two million rubles. So it turns out a maximum of 260 000 rubles.

In the event that the apartment / house costs less than 2 000 000 rubles, the missing person can "pick" when he will carry out the next purchase of real estate.

A few words about the mortgage. People who make out this type of loan are especially interested in how to get 260,000 rubles from the state. Well, in addition to the notorious 13%, they have the right to return 13% of the interest paid on the loan. What does it mean? The elementary thing. The person who bought housing in a mortgage has every right to a more "attractive" amount. But here there is a limit. It is equal not to two, but to three million rubles.

Deduction

All documents for the return of money paid on interest are submitted to the tax service. There are several papers to be taken there. You will need a tax return on personal income tax for 12 months, certificates of income from employment, documents for production costs and confirming the right to housing. If all this is, then a person has the opportunity to receive 260,000 rubles from the state. A tax deduction will be made, only before all this, the inspectors must consider the person's application and check the papers. Then the money is transferred to the specified requisites. But you need to understand that everything is going on not for a week. Wait for a long time.

What else can you spend money on?

There are countless other nuances concerning how to get 260 000 rubles from the state. "Everyone is available!" - such a slogan is heard everywhere. In fact, it's not quite like that. Although yes, everyone who intends to build or buy a house, apartment, cottage or other residential property. Money can not be allowed for anything. They can pay for the project and estimates, materials for construction and finishing, labor of repairmen, and the installation and connection of communications.

True, more recently, they began to give permission for so-called re-accreditation. What does it mean? For example, a person learned about the beneficial mortgage offers of another bank. But too late - he had already issued a loan for a long time. Nothing wrong. He can take out a loan there and pay off the mortgage at the expense of these funds. After that, already give the debt on more favorable terms to this bank. What does the material assistance of the state have? Given that it can also be used to pay interest.

Other documents

Many people are interested in how to get 260 000 rubles from the state. The advice of those who have already succeeded, can often help to simplify the task. As practice shows, in the tax it is necessary to bring as much as possible various documents. At itself should be not only the certificate on state. Registration of ownership of property. It is also important to take an agreement on its acquisition. There should be indicated the cost of housing. If this is a plot with a house, then the price should be indicated separately - both for the construction and for the land.

It is also necessary to have an act on the transfer of housing to the taxpayer. In addition, it is important to have a contract of participation in shared construction and assignment of the right to claim for an apartment / house / plot. Finally, it is necessary to provide a judicial decision, which is the final confirmation of the right of property rights.

But even this is not all. All documents for payment of certain expenses must be at the person with him. These are receipts, cash and commodity checks, extracts, receipts, payment orders ... and all of the above must contain the name of the person applying for financial assistance.

Credit papers

If a person made out a mortgage, he will still need to provide additional documents. Together with them, you get a very real weighty folder. So, we need a mortgage / loan agreement, a loan repayment schedule and "dripping" interest, and a certificate issued by the bank. It should contain detailed information on the interest that the citizen has already paid. Proof of this will be an extract from the account. Naturally, it will also need to be presented.

Here's how to get from the state 260 000 rubles for real estate. There are a lot of documents. More than even to get a residence permit in some highly developed country. And it even causes a smile, considering that it is a maximum of 260 thousand rubles.

Example

To understand how everything works, you need to transfer the theory to practice. One example will suffice.

So, there is a person, conditionally it can be called Anton. He is employed and receives 45 thousand rubles a month. But he also pays 13% of this amount as a tax. This amount is 5,850 r. It turns out that in one year Anton will pay 70,200 rubles. And this is exactly the amount that the state will return to Anton in the form of a property tax deduction. But we must remember that the right to receive such a "privilege" is valid only in the year when it acquires property.

Anton decides to buy an apartment for 2 million 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 within three years he will receive a deduction of 70 200 rubles, and then another year - 49 400 rubles. Here's how to get from the state to 260,000 rubles. Simple taxes that a person simply does not pay legally while working - that's what this material aid means. And if you still remember how many papers you need to provide in order to get permission from the tax! As a result, after all, in fact, a person is given the money earned by him. It is not surprising, why many now prefer to work without employment - it really is more profitable.

What else is worth knowing

It is also worth noting that the notorious 13%, hard earned, by the way, can be returned as compensation for paid treatment (an expensive operation, for example) or for study. Naturally, you will need to provide a lot of papers, as in the previously mentioned case. But in addition to acts for the purchase of housing and everything else, you will need to collect a contract for paid treatment / training, a license of the institution (clinic or university), payment receipts and personal income tax. Then - all the same. Submission of documents for tax and long waiting. If you believe the reviews, then the application can be considered up to three months. After making a decision within 30 days a person will be credited to the account.

Well, as you can see, the seductive 260 000 rubles just do not give it to anyone. Only taxpayers and their own means. However, if a person is employed and monthly gives 13% to the treasury of the state, he simply must take advantage of this opportunity and, as they say, take his own. In the end, 260 thousand is also money, and not bad.

By the way, there are more advantageous offers. For example, the "young family". Within the framework of this program, too, they give money for the purchase of housing. Documents and red tape are many, but you can get not 13, but 30 percent or even 35% (if you have a child).