How to get 260 000 rubles from the state and is it possible? Yes, it is quite. Many people who find out about this have a gleam in their eyes and a burning desire to quickly find out the details. Indeed, a quarter of a million is not bad money. 99.9% of the population, having heard about this amount, immediately figure out what they would spend it on. But it’s not so simple. Unfortunately, in Russia people don’t give money to anyone just like that. It is necessary to meet some conditions.
General position
The first thing worth noting attention when talking about how to get 260,000 rubles from the state is the main condition. And it consists in the following: every citizen of the Russian Federation can become the owner of this amount, but only once in his entire life. Well, the second condition is that this money is given out to people who have bought housing. Or going to get it.
Each citizen of the Russian Federation paying income taxes can receive 260,000 rubles from the state. They give out the amount to those who purchase housing for themselves or a minor child.
Specification of funds
Speaking about how to get 260,000 rubles from the state, one important nuance should be noted with attention. The indicated amount is the maximum. In general, as a rule, a citizen is given 13% of the cost of housing on which he laid eyes, while it should not exceed two million rubles. So it turns out a maximum of 260,000 rubles.
In the event that an apartment / house costs less than 2,000,000 rubles, then the person can “get” the missing amount when he makes the next purchase of real estate.
A few words about the mortgage. People applying for this type of loan are especially interested in how to get 260,000 rubles from the state. Well, in addition to the notorious 13%, they are entitled to return 13% of the interest paid on the loan. What does it mean? An elementary thing. A person who has bought housing on a mortgage has the full right to a more “attractive” amount. But there is a limitation. It is equal not to two, but to three million rubles.
Deduction
All documents for the return of money paid on interest are submitted to the tax service. It is necessary to include several papers there. You will need a personal income tax return for 12 months, a certificate of income from the place of work, documents for production costs and proof of the right to housing. If all this is there, then a person has the opportunity to receive 260,000 rubles from the state. A tax deduction will be made, only before all this, inspectors must consider the person’s application and check the paper. Then the funds are transferred according to the specified details. But you need to understand that everything is done far from in a week. It will take a long time to wait.
What else can you spend money on?
There are countless nuances regarding how to get 260,000 rubles from the state. “Accessible to everyone!” - such a slogan is heard everywhere. In fact, this is not quite so. Although yes, to everyone who intends to build or buy a house, apartment, cottage or other residential property. Money cannot be spent on whatever you want. They can pay for the project and estimate, materials for construction and decoration, repair work, the conduct and connection of communications.
True, more recently, they began to give permission for the so-called re-crediting. What does it mean? For example, a person found out about profitable mortgage offers of another bank. But too late - he had already issued a loan a long time ago. Nothing wrong. He can take a loan there and repay the mortgage using these funds. After that, already repay the debt on more favorable terms to this bank. What does the state’s financial assistance have to do with it? While it can also be used to pay interest.
Other documents
Many people are interested in how to get 260,000 rubles from the state. The advice of those who have already succeeded can often help simplify their task. As practice shows, you need to bring as many various documents as possible to the tax office. It should be with you not only a certificate of state. registration of ownership of property. It is also important to take an agreement on its acquisition. There should be indicated the cost of housing. If this is a plot with a house, then the price should be indicated separately - both for the construction and for the land.
It is also necessary to have an act on the acceptance and transfer of housing to the taxpayer. In addition, it is important to have an agreement on participation in shared construction and assignment of a claim to an apartment / house / land. Finally, it is necessary to provide a court decision, which is the final confirmation of a person’s property right.
But even that is not all. All documents for payment of certain expenses should be with a person. These are receipts, cash and trade receipts, statements, receipts, payment orders ... and all of the above must contain the name of the person applying for material assistance.
Credit papers
If a person registered a mortgage, then he will still need to provide additional documents. Together with them you get a real weighty folder. So, we need a mortgage / loan agreement, a repayment schedule for the loan and “dripping” interest, as well as a certificate issued by the bank. It should contain detailed information about the interest that a citizen has already paid. Proof of this will be an account statement. Naturally, she will also need to be presented.
Here's how to get 260,000 rubles from the state for real estate. There are a lot of documents. Even more than obtaining a residence permit in some highly developed country. And it even causes a smile, given that we are talking about a maximum of 260 thousand rubles.
Example
To understand how everything works, you need to transfer theory to practice. One example will suffice.
So, there is a person, conditionally it can be called Anton. He is employed and receives 45 thousand rubles a month. But he also pays 13% of this amount as tax. This amount is 5 850 p. It turns out that in one year Anton will pay 70,200 rubles. And this is exactly the amount that the state will return to Anton in the form of a property tax deduction. But we must remember that the right to receive such a “privilege” is valid only in the year when he acquires property.
Anton decides to buy an apartment for 2,000,000 rubles. And, in accordance with the law, he is entitled to the notorious 13 percent deduction - 260,000 p. If Anton’s salary remains the same, then for three years he will receive a deduction of 70,200 rubles, and then another year - 49,400 rubles. Here's how to get up to 260,000 rubles from the state. Simple taxes that a person simply doesn’t pay legally while working are what this financial aid implies . And if you recall how many all kinds of papers you need to provide in order to get permission from the tax! As a result, after all, in fact, a person is given the money they earned. It is not surprising why many now prefer to work without employment - it is really more profitable.
What else is worth knowing
It is also worth noting that the notorious 13% earned hard-earned, by the way, can be returned in compensation for paid treatment (an expensive operation, for example) or for study. Naturally, you will need to provide a lot of papers, as in the previously mentioned case. But in addition to acts on the purchase of housing and everything else, it will be necessary to collect an agreement on paid treatment / training, a license of an institution (clinic or university), payment receipts and personal income tax. Then - all the same. Submission of documents in tax and long wait. If you believe the reviews, then the application can be considered up to three months. After making the decision, money will be credited to the person within 30 days.
Well, as you can see, the seductive 260,000 rubles just do not give anyone. Only to taxpayers and from their own means. However, if a person is employed and pays 13% to the state treasury every month, he is simply obliged to take this opportunity and, as they say, to take his own. In the end, 260 thousand is also money, and not bad.
By the way, there are more advantageous offers. For example, a "young family." As part of this program, they also give out money for the purchase of housing. There are a lot of documents and red tape, but you can get not 13, but 30 percent or even 35% (if you have a child).