How to get a property deduction

It is possible to get a property deduction quickly and without the help of paid audit companies, but only if you are familiar with the process itself and several important nuances. In this article, we want to tell you about all the stages of obtaining property tax deductions that will help you easily get a refund when buying an apartment or other residential property.

Having bought real estate and becoming its full-fledged owner, you can ask for three years to tax inspection For the property deduction. It is worth keeping in mind that it is impossible to get deduction from the full cost of housing. This digit is a limit that can not be more than 2,000,000 rubles.

On our site you can download the following documents:

To get the deduction you need to collect the following package of documents:

Passport owner of the apartment.
His Inn.
Treaty of sale and act of admission and transfer of housing.
Income certificate for the previous year (form 2-NDFL).
Certificate of housing registration.
Savings book.
Mortgage treaty (if you bought an apartment in the mortgage).

Reference form 2-NDFL here.

Example of reference 2-NDFL we have.

By collected all the necessary documents, you can on one's own Or with the help of accounting services, fill out a 3-NDFL declaration. This can be done by filling out the standard form 3-NDFL or using the free program on the FTS website. The most convenient way is to fill the declaration using the program. It will help you avoid mathematical errors and speed up the fill process.

Blank Declaration 3-NDFL here.

An example of filling declaration here.

By fulfilling all the above items, you can contact your district tax inspection. Do not forget to take with you all the documents, their copies and the completed 3-NDFL declaration. In the inspection you will be asked to fill out an application for the provision of deduction. It is necessary to fill it carefully and picking up. You can do this in advance, at home. However, it happens that this statement should be provided only after passing your declaration of cameral checks.

Application form for the provision of deduction we have.

Example of filling out an application for deduction here.

After your tax inspector has accepted all documents, you will have to wait for the end of the desk check, which lasts no more than 3 months. After that, the money will go to your personal account over the next month.

If you purchased housing using a mortgage program, before going to the FTS, you must take a schedule for paying payments, receipt of interest and debt payment, as well as a certificate from the bank, about paying a certain amount to debt repayment.

From the beginning of 2014, some changes dealt with the preparation of property deduction. In detail with them you can see, reading the law № 212-FZ dated 07/23/13.