The tax deduction for the perfect purchases can be returned only in real estate: if you bought an apartment, a house, land under development or suffered expenses for the construction of your housing, and also took a mortgage loan. It looks like the procedure looks simple enough: you buy real estate, and the state returns you back income tax in the established amount of 13% of your purchase. However, in practice, everything turns out to be much more complicated and stuck.
What expenses can be obtained by property deduction from shopping
Tax that you return from purchase is called "Property". You can get it exclusively for the purpose of acquiring and building housing, namely:
- Acquisition of land for the construction of your house;
- Buying an apartment or any share in it;
- Repayment of the loan, which is taken for the purchase of an apartment, at home, land;
- Repayment of a credit of refinancing another loan that you took for exactly the same goals of buying housing;
- Mortgage loans are also included in this list.
At the same time, buying housing and land under the contract of purchase - sales and mortgage loan is calculated by different schemes. To begin with, you need to clearly decide how you are going to buy real estate.
How much can the funds from the property deduction
It is worth saying that you can realize your right to receive property tax deductions only once for a lifetime. However, the amount of property deduction can be transferred to several real estate objects, as well as divided into time. For example, you will receive one part now, and the remaining funds - in the future, when you get another object.
The size of the deduction will fully depend on the amount from which the tax is deducted, namely:
- If you are acquiring property in a mortgage loan, the maximum deduction amount is three million rubles;
- Property acquired by other means of the second group, the amount of the deduction that can be deducted from the two million rubles.
Thus, you have two amounts to calculate. Now calculate 13% of them, and you will learn how you can recover all:
- The mortgage loan is the rate at 390,000 rubles;
- For other transactions - 260,000 rubles.
Let's take an example:
- You bought an apartment for 5 million, but because the maximum amount of deduction without a mortgage is 2 million, you can pretend to 260,000 rubles;
- If you took a mortgage for six million rubles, of which 500,000 paid as initial fee, you still can only claim 13% of the three positions of millions, that is, 390,000 rubles.
Another interesting case is when you have multiple objects:
- For example, you want to get a deduction and for the construction of the house, and for the purchase of land. Then you can safely lay claim to the fact, and on the other, but in the amount of the deduction may not exceed the value of 390 000 and 260, respectively.
How to get the property deduction
First of all, fill out the form PIT 3, which can be downloaded here: 
the form. After that, follow the instructions below:
- At work, get a form PIT 2, the form can be downloaded
here; - Prepare the right to property, as well as your contract of sale of real estate. If you took out a loan, the relevant documents;
- Copy all of the documents.
Contact the tax office at the place of your residence. All the formalities are resolved on the spot. The amount can be transferred to your bank card or personal account. The answer you get two weeks later, however, the service workers have the right to extend this period to clarify clarifying the circumstances.
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