Certificate of actually paid interest to Sberbank. What is a deduction and who is entitled to it? How to get a certificate of paid interest on a mortgage in Sberbank

Getting a tax deduction for mortgage interest is voluntary, but extremely important for most Russians. Today, not every citizen has enough money to purchase housing. For most of them, the only way to buy an apartment or house is to apply for a loan. A targeted loan provides the right to receive a tax deduction for mortgage interest, provided that the documents were drawn up in Russia.

What is a deduction and who is entitled to it?

Reimbursement of personal income tax is possible only for loans focused on the purchase of any type of housing (house, room, apartment, share in the apartment).

A mortgage is a loan issued between two parties (the borrower and the bank).

The maximum amount for calculating the percentage property deduction for a mortgage is 3,000,000 rubles (for 2018). Thus, the "mortgage holders" are entitled to compensation in the amount of 390,000 rubles. (3,000,000 x 13%) on interest paid.

In other words, a deduction is an amount that reduces the amount of taxable income, both on the cost of the purchased home and on the interest paid to the bank for the use of borrowed funds.

Citizens of Russia, foreigners who legally carry out labor activities in the territory of our country and pay personal income tax can apply for a tax deduction.

A citizen receives from the state not the amount of the deduction in monetary terms, but a refund of the 13% income tax paid by him. First, the taxes included in the value of the property are refundable, after which the refund is transferred to the interest paid under the mortgage loan agreement.

It should be noted that the tax deduction for interest does not have to be declared simultaneously with the housing deduction. If you bought a home with a mortgage and have already taken advantage of the deduction for the cost of purchasing it, but forgot about the existence of an interest deduction or did not know about it, or for some time you did not have taxable income, then this does not prevent you later take advantage of the tax deduction for mortgage interest.

The procedure for the return of personal income tax on mortgage interest

The return of interest on a mortgage can be carried out in a total amount and paid either fractionally or in a lump sum. The thing is that the personal income tax refund in total for the calendar year cannot be more than the amount of income tax paid by the citizen during the reporting year in which the real estate object was acquired. For example, a house was bought in 2010 for 2,000,000, then you can apply for a deduction of 260 thousand rubles. But if the total amount of tax paid for this period is no more than 50,000 rubles, then you can only hope for this amount. The rest of the funds due for repayment will be paid out over subsequent years until the entire amount is repaid.

Speaking specifically about receiving a deduction for interest accrued on a mortgage, then their payment at a time is possible only if the loan is fully repaid. If the payment of the loan has not yet stopped, then a deduction will be provided annually at a rate of 13%, which is accrued on the amount of interest paid during the year. The term of such payments is limited only by the period of validity of the mortgage loan, and the amount - by the limit used to calculate the return of personal income tax, which is equal to 3,000,000 rubles, that is, the deduction will be 390,000 rubles.

Calculate the tax deduction for mortgage interest

Example. A potential buyer of a property is planning to buy housing on a mortgage for 20 years and worth 3 million rubles. The bank is ready to offer the client a 12% interest rate on the loan. For the first month of fulfillment of obligations, payment of the principal debt will amount to 12,500 rubles. The amount of accrued interest on the mortgage will be equal to about 30,000 rubles. If you calculate, then the total monthly expenses of the borrower related to repayment of the loan will amount to 42,500 rubles. The borrower will receive a deduction of 13% of the accrued interest (i.e. from 30,000 rubles). Thus, he can pay the bank less by 3900 rubles. And so every month.

List of required documents

Since the documents confirming the ownership of the property were provided during the first filing of a tax return, in order to receive compensation, you will need:

declaration in the form 3-NDFL;
document confirming income - 2-NDFL;
photocopy of the borrower's passport;
application for compensation;
mortgage agreement;
account statement or payment receipt;
loan repayment schedule;
bank statement confirming the amount of interest actually paid.

These documents are submitted to the tax authority at the place of residence.

If you have any difficulties or simply do not have time to fill out all the necessary documents and draw up an application for a tax deduction for mortgage interest, but our online lawyer on duty is ready to promptly help you in this matter.

The tax deduction for mortgage interest and principal debt can be paid in two ways: as mentioned above - through the MIFNS, by allocating the total amount for the year, or through the employer - by making monthly additional payments. To apply this scheme, you need to take a certificate from the tax office on the right to a benefit and submit it to your employer along with the following documents:

a document on state registration of the right to real estate;
purchase and sale agreement;
an application for compensation;
a receipt for the receipt by the seller of funds for housing.

These documents must be submitted to the employer each year in order to receive a tax deduction. If a citizen has repeatedly changed his place of work, then at the last place the return of personal income tax may be issued only from next year.

Example. Mr. Petrov bought a house in 2014 for 7,000,000 rubles, 3,000,000 of which were paid for by means of a mortgage loan concluded for 13 years. Interest accrued on the loan amounted to 1,500,000 rubles. The income of an individual for this period is 900,000 rubles. The principal debt is greater than the maximum deductible amount. Therefore, 2,000,000 rubles are taken into account. Thus, the amount to be returned will be: 2,000,000 times 13% = 260,000 rubles. - from the body of the mortgage; 1,500,000 times 13% = 195,000 percent. Tax withholding amount: 900,000 x 13% = 117,000 rubles. The amount of income tax paid on wages during the calendar year does not cover the tax deduction. Consequently, in 2015 a person will receive compensation in the amount of 117 thousand rubles. And the remaining 143 thousand are transferred to the next period. The mortgage interest deduction in the amount of 195,000 rubles can be used for 13 years, that is, during the period of the loan agreement. Such compensation is provided as interest is paid to the bank. Therefore, every year you need to take the relevant documents, in particular a certificate, which will describe how the loan is repaid, and transfer them to the tax authority.

This example is suitable for cases of single ownership of housing. If there are several owners of the immovable property or this is a shared participation, then the compensation will be distributed among the owners in proportion to the share of each owner. The amount due is transferred to a bank account, and then the funds are used to pay off mortgage debt. They are not handed out. Payment documentation must be issued to the person issuing the return of personal income tax.

Distribution of the percentage deduction when acquiring an apartment by spouses

Each of the spouses has the right to receive a deduction in the amount of the amount of paid interest on the loan, regardless of which spouse the payment documents were drawn up for. The refund will be distributed between them as follows:

if housing was acquired in shared ownership, then on the basis of paragraphs. 2 paragraph 1 of Article 220 of the Tax Code - in accordance with the shares of each spouse in real estate;
if the apartment was registered as joint property, then in the same proportion in which the housing deduction was distributed between the husband and wife at their request (for example, 40% and 60%, 80% and 20%, etc.). Moreover, if before that one spouse had already received a deduction for another housing, then the second family member in relation to their joint apartment has the right to count only on 1/2 of the deduction, both interest and housing.

Who is not eligible to receive a property deduction?

Carrying out labor activity “unofficially”, that is, not paying income tax;
Those who carry out entrepreneurial activities and apply the patent system of taxation or STS;
Citizens who have become full owners of real estate paid for by other persons, which is confirmed by the provided documentation (for example, checks or payment orders);
Citizens who previously applied for a deduction for another or the same real estate, whose value is from 2 million rubles. and more, or for receiving a deduction for interest accrued on the loan.

It is also possible to get a refusal to provide a deduction for mortgage interest if false data was submitted, or an incomplete package of documents that are needed for its execution. In such a situation, the right to return personal income tax will appear after the provision of the missing documentation or correct information.

The refusal of the tax inspectorate to provide a refund of mortgage interest on any other grounds is illegal and can be appealed in court or higher divisions of the tax inspectorate.

A certificate of interest paid on a Sberbank mortgage is needed to apply for a tax deduction. In order to take advantage of the benefit provided by the state and recover part of the funds spent on the purchase of housing, it is important to draw up this document without errors. We are talking about reimbursement of interest paid by citizens on a mortgage loan. A certificate of their payment is included in the package of documents that must be submitted to the Federal Tax Service or the accounting department of the enterprise. An error in its preparation may serve as a reason for refusing to make a tax deduction.

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What does getting help

The borrower has the opportunity to recover part of the money paid according to the annual interest rate on the mortgage. The mechanism is legally regulated by:

220th article of the Tax Code of Russia, which contains the standard for obtaining a mortgage deduction.
Federal Law No. 212-FZ dated July 24, 2009

Every citizen of Russia has the right to, and it would be a mistake on your part not to take advantage of this state support program. The maximum amount paid to a credit institution in the form of interest and taken into account, according to the law, is 3 million rubles.

The return of the funds paid to individuals is carried out by canceling the payment of personal income tax for them at the enterprise where such an individual works. Its size is 13%, the same is the deduction rate. Consequently, the maximum a citizen can receive from the state: 3 million rubles. x 13% = 390 thousand rubles.

Important! Every citizen of the Russian Federation has the right to issue a deduction once in a lifetime. In order not to make a mistake and not lose the funds required by law, reimburse interest to the maximum. Do not rush to receive payments on a smaller mortgage if you plan to take out a mortgage in the future.

Another mechanism for a refund is a direct appeal to the tax office. After checking the submitted documents, the Federal Tax Service will refund you 13% of the amount of interest paid under the loan agreement. In order for the tax authority to check all documents for the absence of errors, it is given a period of 3 months, and for the transfer of money according to the details of the applicant - another month.

How to get a certificate of interest paid in Sberbank

Some borrowers make a common mistake when trying to order a certificate online. The functionality of the official website of Sberbank does not imply the possibility of ordering this document via the Internet. To make a request for a certificate, you must personally appear at the bank branch.

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You can apply for it at the mortgage department. To do this, you must have:

civil passport of the Russian Federation;
loan agreement (or a copy thereof).

The contract itself may not be brought, it is enough to know its number, but in order to exclude a mistake, it is better to have all the papers on hand.

Attention! Borrowers sometimes make the mistake of assuming that they need to account for all the months in which mortgage payments were made. If you applied to the bank in the current year, you need to indicate the period until 01/01/2018. Thus, in each subsequent year, payers receive compensation for the previous one: in 2018 for 2017, in 2019 for 2018, etc. P. The deduction will be carried out until the full repayment of the mortgage loan.

Sberbank provides a certificate free of charge within 1 day, and it can be received by the lender himself or by his co-borrower, who is also indicated in the mortgage contract.

If time is short, then it is better to collect all the other documents, and order the certificate last. Certificate in the form of a bank If the employer does not issue a 2-NDFL certificate, a different type of document will be required. An alternative option for a mortgage is a certificate in the form of a bank, which can be obtained at the nearest branch of Sberbank or downloaded from the company's official website. The certificate is filled out by the management of the company in which you work. Validity - 30 days. A certificate in the form of a bank is accepted only in the case of official employment of the borrower. Unlike a regular certificate, a bank form reveals a person's real income, which can significantly exceed the white salary. This increases the likelihood of mortgage approval and increases the maximum amount that the bank will agree to.

How to get a certificate of paid interest on a mortgage in Sberbank

home » Reference » Documents » What does a sample certificate of interest paid on a Sberbank mortgage look like? To obtain it, you should contact the bank branch and write an application for the provision of a document.

It will be ready within ten days. A sample certificate of interest paid on a Sberbank mortgage clearly demonstrates what information is contained in this form. In the upper right corner of the form it is indicated why the borrower needs it.
The phrase "At the place of requirement" is usually written. After the name of the document, the number of the bank branch and its address are entered. Next, the full name of the borrower, the details of the mortgage agreement and the period that the certificate reflects are indicated.

Certificate to the tax service on the payment of interest on a mortgage

Thus, we recommend that you first carefully study the conditions put forward by various creditors, carefully consider them, and only then decide which organization's services you should use. IMPORTANT! Mortgage conditions must be previously agreed between the borrower and the lender and recorded in writing in the relevant agreement.

Attention

And in the certificate the number of this agreement should be noted. What information is present in the certificate A document confirming the payment of mortgage interest by an individual, as a rule, includes the following information:

Information about the borrower.

This data, namely the surname, name and patronymic of the borrower, is usually indicated at the top of the document.

Dates. Each payment date given by the taxpayer back to the bank is written in a separate column of the certificate.

Information about the contract.

What does a sample certificate of interest paid on a Sberbank mortgage look like

The borrower can obtain complete information on the interest paid on the mortgage at VTB upon request at any branch of the bank. Unlike some credit institutions that accept an application for issuing a certificate online (for example, at Sberbank on the official website through the feedback form), VTB currently can issue a document only upon personal application.

In what cases is a certificate needed?
Help information
Procedure and terms of provision

When you need a certificate There are several reasons why you may need a document on the interest paid on a mortgage.

What does a sample certificate of interest paid on a Sberbank mortgage look like?

Info

Issuing a certificate at Sberbank is completely free. In other banks, they charge from 250 to 1000 rubles for a certificate. Certificate of the balance of the debt To pay for a mortgage loan, young families and two or more children use maternity capital.

Important

The amount of the state benefit in 2017 is 453,000 rubles. To pay a mortgage at Sberbank with the help of maternity capital, you need a certificate of the balance of the debt.

It indicates the debt on the main loan and accrued interest. The bank will issue a certificate within a few days after applying.
When concluding a loan agreement, banks require a certificate of no debt on loans from other organizations.

How to get a certificate of paid interest on a mortgage?

It is the same with the distribution application - if the apartment was purchased before January 2014, then it must be submitted, even if the spouses divide the default deduction of 50 by 50. If after January 2014, then the application is mandatory only when the apartment was purchased for more than 4 million rubles If the purchase price is below 4 million rubles, then the application is optional. Download application

If the owners have a minor child, then the parents can distribute part of the tax deduction in their favor in any proportion for two or one of them (clause 6 of Art.
220
Tax Code of the Russian Federation). The deduction for mortgage interest cannot be distributed. Documents for this:

Birth certificate if the child is under 14 years old, or passport if from 14 to 18 years old.
Need originals and copies;
Application for the distribution of a part of the deduction (original).

What does a certificate on the form of a bank for a mortgage in Sberbank look like

With the help of this program, you can quickly and easily fill out the declaration, because. it is built around simple and clear questions. After filling it out, all that remains is to print it and sign it. If you have any questions during the filling process, there is a free consultant on the site. Select the "Basic" tariff. The cost of preparing the declaration is 599 rubles.

Statement of income in the form 2-NDFL for a year or several years (original); It must be obtained from the accounting department of your employer. They know exactly what it is. It indicates the amount that the employer withheld as personal income tax from the employee's salary for a year (or several years). Do not confuse it with the 3-NDFL declaration, these are completely different documents.
Application for a deduction (original); Of. title - application for the refund of the amount of overpaid tax.

Documents for a mortgage tax refund

Russian tax legislation establishes that a property-type tax credit is accrued first for payments of the principal part of a mortgage loan and only then for expenses incurred by the taxpayer to pay off interest payments. In order to certify the tax agent that the applicant for the return of personal income tax for interest will indeed pay them, there is a certificate of their payment. Where to get a certificate A certificate must be taken from the bank that issued the loan to the applicant for a reduction in the tax base. On the territory of the Russian Federation, there are countless banks that are ready to provide a mortgage loan to individuals. However, each bank sets a different amount of interest payments and their repayment periods.

How to get a certificate of paid interest on a mortgage

Prozhivem.com≫≫≫Documents for obtaining a tax deduction when buying an apartment on a mortgage Article updated: April 2, 2018 Below we have listed a detailed list of documents for processing a property tax deduction (personal income tax refund) that must be submitted to the tax office. The list is current for 2018. It also details where and how to obtain these documents. We remind you that the deduction is paid to the owner every year.

The amount of the part of the deduction is equal to the annual amount of personal income tax paid from the salaries / income of the owner. Therefore, the documents for the return of the deduction must be submitted every year.

Each owner submits his package of documents. A tax deduction and a mortgage interest deduction are due After buying an apartment with a mortgage, you can count on 2 deductions - a tax deduction (on purchase costs) and a mortgage deduction (on mortgage interest costs).

Where to get a certificate of paid interest on a mortgage

In this regard, the tax inspectorate requires a document confirming the withdrawal from the salary of the applicant for the property personal income tax deduction.

Statement. In order to inform the tax office that an individual wants to be reimbursed for the costs associated with paying mortgage interest payments, you need to state the corresponding request in a document such as an application.
Bank agreement. In order to certify the tax agent that the debt was paid in full and on time, it is necessary to attach to all other documentation an agreement that reflects the conditions for granting a mortgage.
Receipts. After each payment made by the borrower, a receipt is issued to him, which testifies to this fact and serves as documentary evidence.

Where to get a certificate of paid interest on a mortgage

Sberbank is obliged to issue a certificate immediately after the mortgage is closed. If a bank employee has not issued a certificate, leave a request to receive it.

In the future, for this piece of paper you will have to pay from 50 to 1500 rubles. Sberbank Previous entries Latest news about mortgages in Sberbank for 2017 Mortgage restructuring How to get a mortgage in Sberbank in 2017: step-by-step instructions Mortgage in Sberbank at the birth of a child Most popular tags Copyright © 2011-2018 informational character and is published for reference and informational purposes.

Text materials are based on the personal point of view of the author.

But there are also banks that issue it for free, but you have to wait about a month. If you want to get faster, you have to pay. The price depends on the policy of the bank.

Loan repayment schedule (original and copy); Usually this schedule is included in the mortgage agreement, or is a separate document.
Documents that confirm the monthly payment of the mortgage for a year or several years (originals and copies); These are usually checks, receipts, or bank statements.
According to the law, a certificate of interest paid is sufficient, and these documents are optional. But tax inspectors will still definitely demand them.

Welcome! With the help of a tax deduction, every citizen of Russia can partially compensate for the costs of acquiring their own housing. For more information on what a tax deduction is, who can expect to receive it, and what documents you will need for a tax deduction on a mortgage, read on.

Speaking about the tax deduction, it is important to understand that we are talking about reducing the tax base (all total taxpayer income from which income tax is levied) or receiving a refund of overpaid personal income tax from the budget. Russian citizens who are officially employed under a civil law or labor contract and who monthly deduct 13% to the state budget are entitled to a partial refund of paid income tax.

In the case of buying an apartment or house with borrowed funds, the borrower can receive 2 tax deductions:

basic;
interest deduction.

The main tax deduction gives the mortgage borrower the right not to pay personal income tax from the amount established at the legislative level. In particular, Article 220 of the Tax Code of the Russian Federation establishes that the maximum amount of tax deduction when buying a house, apartment or land plot is 2 million rubles (excluding the amount of repaid interest on a loan). That is, you can return 13% of this amount - no more than 260 thousand rubles.

The main deduction has the following features:

you can get the right to reimbursement of expenses for the purchase of residential real estate only after registering the right of ownership or receiving an act of acceptance and transfer of housing;
the loan must have a designated purpose, which is confirmed by the conclusion of a mortgage agreement;
the deduction may include both borrowed and own funds of the borrower spent on the purchase of housing.

Since the beginning of 2014, Russian citizens have the opportunity to receive a deduction for mortgage interest paid in accordance with the payment schedule. Interest deduction also has some nuances. Among them:

the maximum amount of the deduction is 3 million rubles, which allows you to return up to 390 thousand rubles;
You can only return the actually paid mortgage interest for previous years;
in case of real estate acquisition before 01/01/2014, a deduction can be received from the entire amount of the client's expenses for paying interest;
in the case of buying a home after 01/01/2014, only the maximum amount under the law (3 million rubles) will be available for return;

The tax deduction for mortgage interest begins to be processed after the main deduction is received - in the year when the last funds for the main deduction were transferred.

Who is entitled to deductions

The legally established right to receive a tax deduction on a mortgage loan is reserved exclusively for Russian citizens with official employment, for whom their employer pays a monthly income tax of 13% to the budget.

You can receive financial compensation through the deduction in the following cases:

When buying residential real estate (houses, apartments) under a contract of sale.
In the case of building a private house.
When the taxpayer carries out any construction and repair work in the designated property (here, proof of all expenses using checks and other receipts will be required).
For the payment of accrued interest on a mortgage loan.

It will not be possible to return personal income tax for purchased housing and for interest if:

if the apartment was purchased before 01/01/2014 and the right to deduct has already been used;
if the property was purchased from a party dependent on the buyer (close relatives);
if employment is not formalized (that is, a person receives a gray or black salary and, accordingly, does not pay income tax);
if the direct employer of the taxpayer took part in the procedure for acquiring housing (for example, he contributed some share of the price of the property);
if residential real estate was purchased in addition to credit funds with the help of state support tools and measures (subsidies, as well as maternity capital funds);
if housing was purchased after 01/01/2014, but the deduction limit has been exhausted.

Non-residents living and employed in the Russian Federation, even in the case of buying an apartment or house here, do not have any rights to receive property tax deductions.

Documents for the deduction for the apartment

The right to receive a deduction is documented. The list of documents for the return of personal income tax includes:

PrEP for an apartment or DDU (copy).
Completed tax return Form 3-NDFL.
The act of acceptance and transfer of residential real estate to the taxpayer.
Russian passport (+copies of all pages).
Income tax refund application.
Certificate of accrued wages form 2-NDFL (if you apply for a personal income tax refund for 2016, then it is for this period that a certificate of income is required).
Certificate of ownership of the property (in the case of buying a home on the secondary market).
Copies of payment documents (receipts, cash receipts, bank statements confirming the transfer of money from the buyer's account to the seller's account, etc.).
TIN certificate (optional).
Loan / mortgage agreement, which contains all the information about the parameters of the loan.

In addition to the above documents, the tax authority may request other additional documents at its discretion (for example, an application for the distribution of a tax deduction between spouses who are officially married).

interest deduction documents

To apply for a tax deduction for mortgage interest, in addition to the standard package of documents, the taxpayer will need to provide a copy of the mortgage agreement and a certificate from the bank on the amount of repaid interest on the loan. Such a certificate should be ordered from the lender in advance, as some banks do not issue it immediately, but after several business days. You should also be prepared for the fact that such a service is provided for an additional fee.

In some cases, the tax office may additionally request documents confirming the payment of mortgage interest. In this case, the client will have to attach copies of receipts, payment orders or a bank statement certified by the seal and signature of an authorized person to the application.

If it is impossible to provide payment documents, the taxpayer can refer to the Letter of the Federal Tax Service of the Russian Federation No. ED-4-3 / 19630 dated November 22, 2012, which indicates that it is not necessary to include certificates of payment of interest and receipts in the set of documents.

In the case of mortgage refinancing in a third-party bank, you can get a deduction for interest paid on both the original loan and the new one. At the same time, an important condition is the indication in the new mortgage agreement of the intended purpose of issuing borrowed funds - refinancing the previous loan.

How to fill out 3-personal income tax

You can learn how to fill out a 3 personal income tax declaration for a mortgage deduction from this video.

An obligatory step in the income tax refund procedure is the completion of the 3-NDFL declaration. This document is compiled in such a way that even a person with an economic education may have questions and difficulties in the process of entering information. In addition to self-filling the declaration, the taxpayer has the right to use all available tools for these purposes. Fortunately, today there are many auxiliary programs, services, firms and private companies that are ready to take on this responsibility for a fee.

Filling out 3-personal income tax for individuals has the following steps:

Filling in the title page.

Here information about the taxpayer is indicated (full name, date and place of birth, TIN, passport data, place of residence) and digital encodings are entered (codes: tax period, fiscal authority, payer category and adjustment number).

Completing Section 1.

The 1st section contains information on the amounts of tax to be returned to the declarant or paid. Additionally, the KBK and the code of the territory according to the all-Russian classifier are indicated.

Calculations in Section 2.

Here the taxpayer makes calculations of the tax base and tax amounts with different rates.

Filling Sheets.

You will need to enter the necessary data in the following sheets:

Sheet A (it records all income received in Russia, and fills in the value of the rate, information about the source of payments, the amount of income and tax);
Sheet B (this reflects the income received by the declarant outside the Russian Federation);
Sheet B (indicates income from doing business);
Sheet D (here the amount of income exempted from income tax is calculated);
Sheets D1, D2, E1, E2, F (information on all types of tax deductions is provided here);
Sheet 3 (it calculates the taxable base for income from operations with securities);
Sheet I (determines taxable income from participation in investment partnerships).

If a person does not understand the concepts listed in the specified list at all, then in order to save time and effort, it is better to turn to professionals or use a special program. the completed document can be easily found and downloaded on our resource.

In any case, it is important here not to rush and very carefully check the specified information for relevance and correctness, since if tax errors are detected by the authority, the declaration will be rejected. And this is fraught with delaying the timing of receiving the amount of compensation.

The reporting declaration can be submitted in paper or electronic form at the choice of a citizen.

The procedure for submitting documents

There are two main ways to make a tax refund:

by applying to the tax authority with the allocation of the total amount for the year for which the tax is refunded;
with the help of an employer who is presented with a notification from the Federal Tax Service Inspectorate of the right to receive a tax deduction, by exempting from the monthly payment of personal income tax.

The first method is the most optimal, since the money will be transferred to the person in one whole amount, which can be spent at your discretion. In accordance with this option, the taxpayer collects the entire list of documents and certificates in advance, fills out a 3-NDFL declaration, an application for a deduction and applies to the tax service. In case of a positive check, the applicant will receive the amount due to his bank account (according to the specified details).

The second method involves a mandatory appeal to the tax office for obtaining a confirming right to a deduction. To do this, you will need to fill out an application of the appropriate type and attach the entire package of documents. Within 30 days, the tax service will issue a notice of the right to receive a tax deduction to the citizen, which then must be transferred to the taxpayer's employer. After that, the accounting department of the organization in which the owner of the deduction works will calculate wages without levying income tax.

The specific method of submitting documents for the deduction largely depends on the taxpayer's free time and the nature of the relationship with the employer.

Every Russian citizen who officially works in the Russian Federation and has bought residential real estate with the help of mortgage funds has the legal right to receive a tax deduction for a mortgage. At the same time, you can return part of the amount spent on the purchase of housing, as well as the cost of paying interest on the mortgage. The maximum amount of compensation is 260 thousand rubles in the first case and 390 thousand rubles for interest. Receiving such assistance can be a serious help in planning a family budget, especially in a situation with an active mortgage loan and a significant credit burden.

You can learn more about how to do it in the next post. The post contains an example of the calculation and the principles by which taxation takes place.

If you need help filling out or have difficult questions. Which require individual consideration, you can ask our mortgage lawyer in a special form.

Today you learned what documents for a tax refund for a mortgage must be submitted to the IFTS. We are waiting for your questions in the comments and we will be grateful for the evaluation of the article.

To obtain a mortgage, a Sberbank client confirms income using a certificate in the form 2-NDFL. It reflects accrued and paid income, income tax and additional information for recording in the tax service. The certificate is received in the accounting department of the employing company within three days after the application.

When applying for a mortgage, the bank requires a 2-NDFL certificate with information on wages for the last 6 months. The document is valid for 1 month. The covered period of income and the validity period of the certificate may differ, so check with the bank employees for the exact dates. If time is short, then it is better to collect all the other documents, and order the certificate last.

Help in the form of a bank

If the employer does not issue a 2-NDFL certificate, a different type of document will be required. An alternative option for a mortgage is a certificate in the form of a bank, which can be obtained at the nearest branch of Sberbank or downloaded from the company's official website. The certificate is filled out by the management of the company in which you work. The validity period is 30 days.

A certificate in the form of a bank is accepted only in the case of official employment of the borrower. Unlike a regular certificate, a bank form reveals a person's real income, which can significantly exceed the white salary. This increases the likelihood of mortgage approval and increases the maximum amount that the bank will agree to.

Help on the form of Sberbank in 2017

So why does everyone use the “2-NDFL” form? A certificate in the form of a bank can bring a lot of problems to your manager if it gets to the tax service. Because of this, some businesses refuse to fill out a bank form. In addition, Sberbank checks the dossiers of such borrowers more carefully, delaying the consideration of the application for a week or more.

Interest statement

Some borrowers fill out a declaration for the tax service in the form of 3-NDFL. Thanks to the declaration, you can get a tax deduction from the purchase of real estate in a mortgage. Upon approval of the declaration, the tax office will deduct 13% of the interest you paid. Simply put, if the amount of interest paid was 1 million rubles, then you will return 130 thousand. To draw up a declaration, it is necessary to obtain a “certificate of interest paid and principal debt on a loan” for a mortgage at Sberbank.

A certificate of interest paid on a Sberbank mortgage will be issued at any office of this bank. Take your passport and credit agreement number. If there is no agreement with you, the bank employee will independently find the number according to the passport data. Issuing a certificate at Sberbank is completely free. In other banks, they charge from 250 to 1000 rubles for a certificate.

Information about the balance of the debt

To pay for a mortgage loan, young families and two or more children use maternity capital. The amount of the state benefit in 2017 is 453,000 rubles. To pay a mortgage at Sberbank with the help of maternity capital, you need a certificate of the balance of the debt. It indicates the debt on the main loan and accrued interest. The bank will issue a certificate within a few days after applying.

When concluding a loan agreement, banks require a certificate of no debt on loans from other organizations. Sberbank is obliged to issue a certificate immediately after the mortgage is closed. If a bank employee has not issued a certificate, leave a request to receive it. In the future, for this piece of paper you will have to pay from 50 to 1500 rubles.