How do I get a tax deduction on your mortgage?

For several years in Russia, you can get a tax deduction. True not everyone knows what it is and most importantly, how to exercise his right. We will try to shed light on "dark places". If literally, then the tax deduction - it is every citizen's right to get paid back before income tax of 13%. Exercise their right can only be opredlennyh conditions. For example, when buying a home. Disbursements size benefits will depend on the value of the purchased property, the truth is provided a limit of 2 million rubles. So, if your apartment is worth 3 or 5 million rubles, the residue will be considered only on the 2 million is believed as follows: 2000000 * 13% = 260 thousand rubles. This amount and you will return. If your apartment is worth less than 2 million, 13% will be considered with it. To get a tax deduction, you must contact the tax office with the documents. List of documents • Copies of certificates of ownership of real estate • a contract of sale certificate of acceptance • Real Estate • payment documents confirming payment of the purchase (bank statement) • conclude a treaty on mortgage (if the accommodation is taken on credit) • Help from job 2-PIT (if you do not pay tax or you did not have official sources of income, the right to a refund of 13% of you do not have) • a statement with a request to return 13% of the personal account (make sure in advance that you have it was). Tips If in the future, your family is planning to get another deduction, then the first property is better to issue at one of the spouses, the second one to the other. Spouses may also increase the tax deduction, if will issue an apartment in fractional ownership. Then each spouse applies for a tax deduction, and returns to 260 thousand rubles, resulting in a total number of 520 thousand rubles.