Return of the tax deduction when buying an apartment: documents. Duration of tax refund when buying an apartment

So, today we will be interested in the deadline for the return of the tax deduction when buying an apartment, as well as the list of documents that will be required for submission to the appropriate authorities. In fact, this question is interesting and useful to many. After all, when paying taxes and making certain transactions, you can simply return the "unofficial" amount to yourself. A pleasant bonus from the state, which attracts many. But this process has its own terms and rules for registration. Remembering them is not so difficult. How does a tax credit return when buying an apartment? What documents are needed? In what terms, in general, you can take the opportunity? There must be at least some limitations!

How many?

Yes, they are. But about them a little later. After all, to begin with, it is worthwhile to consider in more detail what is being said in principle. How much can you return from the transaction? And is there a certain limit on the return? A tax deduction, as a rule, allows you to get 13% of your expenses. This process has its own limitations on the amount that is returned to the taxpayer. This is 260 000 rubles. To return you have the right only money from the apartment, costing up to 2 000 000 p. So, do not be surprised. Everywhere have their own rules. More than 260 thousand can not be returned in any way. It is illegal.

When?

But do not worry too much. After all, the period for the return of the tax deduction when buying an apartment is not that small. You will definitely have time to prepare for it. And in general, registration with proper collection of documents will seem a trifle.

What are the deadlines for the taxpayer to meet? In general, property deductions, like any other, can be issued within 3 years after the transaction. That is, it is not necessary immediately after the purchase to rush to prepare documents. Yes, you do not need to hesitate, but to panic that you will not have time to implement the idea is not the best method.

In practice, the usual period for the return of a tax deduction when buying an apartment is set at 1 year. No, you can complete it later. But citizens are used to paperwork until the end of the tax reporting period. Therefore, in fact, they are even trying to get rid with deductions as soon as possible. This is not so difficult as it might seem at first. All you need is to collect a certain list of documents, present them to the tax service, and then just wait.

After filing

Now a new question arises. What is the deadline for the return of a tax credit when buying an apartment after the application is submitted? After all, you need to understand how long the tax authorities are considering a case. It's difficult to come to a common opinion here. Especially when you consider that in different regions a varied duration of approval of any deduction is possible, not necessarily a property one.

What can you expect on average? How long does it take to receive a tax credit when buying an apartment? Reviews by the taxpayer often indicate that everything will be allotted about 4 months. This is how much the deduction will be made after you apply. From this period about 2 months only the application is considered. And the rest of the time, money is transferred to the account of the taxpayer. Sometimes this process lasts less, sometimes more. But on the average it is necessary to count on 4 months. This is the deadline for the return of the tax deduction when buying an apartment after you have submitted the documents for review. If you need to re-design, you will have to "reset the counter". And again count about four months. In principle, this is not such a problem.

Statement

Well, now it's time to take a closer look at the immediate list of documents needed to complete the operation. If you think about it, it's not so difficult to return a tax deduction when buying an apartment. You do not need a lot of papers. A few important points are enough. And a drop of patience. So where should we start?

Of course, with the drafting and writing of the corresponding statement. The thing is that any deduction should be provided only if the necessary paper is available. At the request of the applicant. The sample of filling can be viewed on the official website of the Tax Service of the Russian Federation. There is also a form that will help to formulate a request for further use. It is provided in a single original copy.

Personality

Do not forget that any paper red tape is mandatory accompanied by the establishment of your identity. That is, you need the appropriate document. In our case, this is nothing more than a passport. And, more precisely, his copy. Make sure you have a photocopy of all the pages in advance. In particular, 2, 3 and the one where the registration is indicated. Information about the marital status should also be available. The original does not need a deduction. Enough copy. If desired, it can even be certified. But, to be honest, many simply provide a photocopy and do not bother.

Income

The next moment to be taken into account is your income. The tax refund period for buying an apartment can not begin its countdown before you confirm your taxpayer status. That is, do not point to income. Then you have to present a certificate of 3-NDFL. It is filled in by yourself. And at the moment you can do it with a special program on your computer. Also, you must attach to the application form 2-NDFL.

The second document is self-made if you work for yourself. Otherwise (as usual, it happens), the paper is taken from your employer's accounting department. This is a kind of confirmation that you have a taxable income. Only originals of certificates are accepted. They are needed in a single copy. So, keep this in mind. A copy of the work record book is not superfluous.

Expenses and property

How to make a tax refund when buying an apartment? The documents listed above are not all that's needed. Now that the relevant information is available, you must confirm your ownership of the property. And about costs, too, do not forget.

What can I need here? First, a certificate of ownership, a copy, preferably notarized. Secondly, the contract of sale, as well as a variety of receipts from the seller, confirming the fact of transfer-receiving money from you. Checks and receipts (or, more precisely, their copies) are also mandatory items. Without the listed documents, you will not be able to implement the idea of return.

Other

On this business does not end. The return of the tax deduction when buying an apartment for pensioners and not only requires usually even more paper red tape. It does not cause much trouble, but it does. So, for example, it is pensioners who must confirm their status and benefits. They present copies of health certificates (especially with disabilities), as well as a pension certificate. Men must attach a military ticket. This is particularly true for retired servicemen. But this does not end with the list either. What else can come in handy?

For example, very often citizens are asked to produce both birth certificates of children, as well as a paper on marriage and divorce. These are not such important points, but sometimes they can interfere with the design. More precisely, push it for a while. Enough of the most common copies. Attach them just in case, so that there are no unnecessary questions and problems.

Mortgage

However strange it might sound, but when you mortgage, you can also recover some of the money spent. True, here the maximum cost of housing will be no longer 2, but 3 million rubles. But the interest remains the same - 13%. What is the deadline for the return of a tax credit when buying an apartment in a mortgage? Same as in all other cases. You have the right to file a request within 3 years, the duration of the examination will be about 4 months. There are no differences and will not be. Is that in relation to the documents. To the above list, you will also have to attach a mortgage contract together with receipts for payment of interest for the transaction. Without them for a mortgage to return the deduction does not work.

Requisites

The main thing is to provide the requisites for replenishment of your account. Banking data must be specified in the application for tax deduction. Without them, you simply refuse.

In principle, nothing difficult in the requisites there. Specify the account, where to transfer money, directly in the application of the established sample. Once the full list of documents is ready, return them to the tax service for review. And now you can just wait. After a while you will receive a response from the authorities with a decision to grant a deduction or a refusal indicating the cause. If you overtook the second option, fix the situation and try again. In the first case, it remains to wait for the direct transfer of funds to the account.