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What is a tax deduction when buying an apartment

What is a tax deduction when buying an apartment

To encourage citizens to improve their living conditions, and to formal employment legislation was set deduction when buying an apartment or other housing.

The meaning of the benefits that the owner may recover some funds spent on the purchase.

To put a tax deduction when buying an apartment

The right to property deductionarises on the acquisition of apartments for their own money or a mortgage, as here you can turn on apartment repair costs, if it was purchased from the developer with a "bare walls".
So net, you can use only oneonce in a lifetime, and has the right to select the property to obtain benefits. The amount of the deduction is of utmost importance, in 2014 it was 2 million rubles, that is, with a greater amount of the income tax return will not work.
The right to receive a subsidy from the statehas only the property owner, provided that the payment for the apartment made personally. Seller shall not be interconnected with the buyer, excluded the deduction when buying a home spouses, siblings, parents, employers and others.
All documents associated with the property mustbe available and in perfect condition as the copy will be provided to the tax office and carefully checked. If you find errors, erasures, inaccuracies in the deduction may be denied.

The process of registration documentation

For those who fall under the deduction for a refund you will need the following documents. If the price paid for the apartment immediately without credit:
-; Declaration 3-PIT
-; Reference 2-PIT for the past year
-;contract of sale of an apartment
-; Documents confirming the purchase of housing (payment orders, receipts)
-; The ownership rights registration certificate
-; The act of reception and transmission apartments
-; INN
If the returns of mortgage interest,Facilities: credit agreement, certificate of interest paid during the year (it can take in the servicing bank), payment documents for credit payments.
Refunds are made in two stages. First - Preparation of 3-PIT declaration and supporting documents. The tax office to submit the declaration, applied to it copies of all the documents listed above. Originals will also need to keep with you for verification inspector. It is desirable to have two copies of the Declaration on the second stamp the admission and then to leave at home. Deadline for submission of declaration - once a year, until 30 April. Consider a request to verify the deduction and the declaration will be three months, then the tax will give the answer.
Second phase. If approved, the deduction is written statement in the prescribed form and attached to it a copy of the bank details, which later transfer funds.

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