Rules for allocating subsidies for house construction in 2020 to different categories of citizens

Building a house is a reason to get your 13% tax back

• The actual payment of interest accrued on borrowed funds issued by a bank or microfinance organization. In this case, it is important to spend money on purpose, that is, spending it exclusively on purchasing building materials or paying for workers’ services.
• Based on the actual expenses of the citizen constructing the building, but only if these expenses are documented.
• After purchasing a plot of land allocated for the purposes of individual housing construction, as well as upon providing a certificate of ownership of a private house built on this plot.

The property deduction is due to those citizens of Russia who regularly pay taxes and have not yet had time to exercise their right to issue it. This type of benefit applies not only to the purchase of finished housing, but also to the construction of a private house. In this case, one construction project is identical to one right to a tax deduction for the construction of a house. Moreover, it does not matter during how many tax periods the payments will be made.

Special conditions for villages

A subsidy for the construction of their own housing in the village is a special program that allows a citizen to become the owner of real estate. You can carry out construction work yourself or hire a special team. Any young family, including single-parent families, can
become a participant in the program A citizen under 35 years of age can receive government assistance. Permanent registration must coincide geographically with the place of application. Main condition : assistance is provided 1 time.

A favorable mortgage loan allows you to purchase housing, the cost of which significantly exceeds the amount allocated by the state. A married couple (single mother) who either does not have their own property at all or lives in very cramped conditions (small area) can apply for support.

The amount of monthly income to obtain approval from a credit institution, provided that the family consists of 2 parents and 2 children, must be 45,000 rubles or more. If a family is raising 1 child, then 35,000 rubles will be enough; again, it all depends on the region.

The directions for spending the funds received will, of course, be checked. The procedure for obtaining government financial support involves collecting an impressive package of documents and numerous certificates. By the way, the allocation of funds involves removal from the housing queue.

With state financial assistance you can:

• build your own residential building;
• renovate existing housing in rural areas.

When calculating the amount of support, the following indicators are taken into account:

• price 1 square meter;
• established housing standards;
• waiting duration.

Only an individual can act as a developer. The amount of support depends on various factors, but usually varies from 10% to 70% of the amount spent on purchasing construction materials and paying for work performed.

What benefits are available to a pensioner during the construction of a private house in the village?

Options for travel are especially actively discussed when a baby is born. By the way, the state does not stand aside, but actively participates in resolving this issue by providing free social subsidies for the construction of one’s own home.

Goodluz/Depositphotos Property tax applies to residential buildings, apartments, rooms, cottages, and garages that are owned. Shares of this property are also taxed. Both working and non-working pensioners are exempt from tax - this is stated in Articles 401 and 407 of the Tax Code - but only for one piece of real estate in each category. It turns out that if the property has two apartments and one dacha, then the pensioner may not pay tax on one apartment and one dacha; You will have to pay in full for the second apartment.

What subsidies can you get for building a house?

There are two main types of assistance for building a house:

To receive a targeted subsidy, the applicant must provide a preliminary estimate, according to which the state will understand how much the construction will cost. An application form for a subsidy for building a house is available.

The maximum value in the calculation is set by each federal subject individually. To receive compensation, it can be issued after the start of construction work, but no later than 2 years after the issued permit for such work.

Conditions of registration

The state clearly sets standards for possible area, based on existing standards. However, regions are given the opportunity to increase this permissible square footage upward if they can afford it for their residents.

The basic standards for receiving assistance are as follows:

• a person can get from 36 sq. m or more, depending on the region of residence;
• to provide assistance for two people, 50 sq. m;
• for other compositions or if the family has more than 8 people, then the calculation procedure will be based on the parameter 18 square meters. m for each family member.

There are important nuances that you should know when receiving help:

• construction can only be started in the area where the family lives;
• the permit to build a house must be issued in a year starting from 2012 or later;
• documents for construction and property of the building must be in order, and the house and land are registered in the name of the candidate for assistance;
• only one person can receive help and only once within the framework of such programs;
• the candidate has a permanent residence permit in the region where assistance is being provided and a house is being built.

In the countryside

A subsidy for the construction of their own housing in the village is a special program that allows a citizen to become the owner of real estate.

Construction work can be done independently or you can hire a team of builders. Any family, even single-parent families, can become a participant in the program.

Rural areas and the allocation of assistance have some characteristics regarding the possible size. This is determined individually for each region.

Some of them already have a limit on the allocated amount, which is 150,000 rubles. If the family has the status of a large family, an additional 50,000 rubles are given if the target type is issued.

Large family

The status of a large family gives the family the opportunity to become the owner of a subsidy for the construction of a house.

The amount of payments depends on the living space standards officially established in the region, the waiting period for housing, and the price per square meter of housing in a certain region.

Typically payments range from 10 to 70% of construction costs. To apply for a subsidy for large families, the following conditions must be met:

• official marriage of parents;
• presence of permanent income;
• registration as those in need of improved living conditions;
• the house must be built in the region where the family is registered;
• The house is being built according to a design that complies with construction and sanitary standards.

Benefits for Pensioners During the Construction of a House

• submit an application for the acquisition of ownership rights to the relevant state authority or local government along with a document confirming the fact that a person has been granted a land plot (building) with the right of permanent (perpetual) use or lifelong inheritable possession.

pensioners who, during the Great Patriotic War, worked at facilities related to air defense, were engaged in the construction of defensive structures, airfields, naval bases and other military facilities located both within the rear border of the active front and and on sections of roads or railways;

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Gasification of a private house, benefits for pensioners

According to the law on gasification of the population, certain categories may have various benefits or assistance in gasification. The disadvantage of the federal law on gasification is that it does not have a special control body to coordinate its work. Therefore, issues regarding the provision of benefits are decided by local administrations, and accordingly, each region resolves these issues at its own discretion.

Due to the fact that the amount of gasification for the vast majority of people in the Russian Federation will be unaffordable, since it will be their level of income for several years of work, the state has made sure that they have benefits for this procedure.

The procedure for submitting documents to receive a subsidy

The administration of a civil defense or municipal organization is vested with the right to accept applications and distribute subsidies. The local administration is obliged to inform family members about those documents and deadlines for submitting documents and the need to update and confirm them who are entitled to receive such payments.

On behalf of the family applying for a subsidy, the parent must provide an application (2 copies) with consent to the processing of personal data and attaching such documents:

The application with the attached documents is submitted independently or through State Services, but when submitting via the Internet, the original documents may be requested by the administration for clarification.

How to get a tax deduction when building a house in 2020

1. Already during the construction of the facility, the taxpayer collects all the papers that in the future will give the right to a refund of expenses: payment documents, a loan agreement from the bank, a construction permit, certificates of ownership.
2. The papers are submitted to the personal income tax department in person with a receipt in hand, or sent by registered mail.
3. Within 3 months, tax officials conduct a full-scale desk audit, after which the payer begins to receive funds into his account.

1. Since after retirement a citizen receives only state support, he does not have the right to apply for a deduction. However, if three years before retirement he had an official place of work and paid personal income tax, then he can safely submit deduction documents.
2. If a pensioner begins to receive other income, such as salary, rent for rented real estate, etc., and also pays a 13% personal income tax on it to the treasury, then he will be able to submit an application to the Federal Tax Service for the return of costs for individual housing construction.

How to get a subsidy: step-by-step instructions

One family member can apply for a subsidy. To do this, first of all, he contacts the district administration and finds out about the availability of a support program for building a house in rural areas. If such a program exists, it is necessary to clarify in detail the requirements for the building (material, area based on the number of residents).

After this, the applicant develops a project, contacting the relevant company, and an estimate. Then he comes to the administration again and provides a complete document package:

• passport of each family member;
• certificate of family composition;
• certificates confirming the birth of children;
• certificate confirming marriage registration;
• permits for construction;
• technical and design documentation;
• certificate of ownership of the land plot;
• land acquisition agreement;
• cadastral passport.

The citizen attaches these documents to the application, which is also drawn up in writing. It is usually processed within a few working days (maximum 30). Based on the result, the administration makes a decision to provide a subsidy or to refuse it, providing a written justification.

Benefits for pensioners

The regions are responsible for such assistance. At the local level, depending on the available opportunities, the types and amounts of support and the conditions for receiving it are stipulated in special documents. Therefore, when asking for help, you should first ask for a regulatory act that regulates the provision of targeted assistance where you live.

Since 2013, older citizens (from 60 to 99 years old) must undergo medical examination (see order of the Ministry of Health of Russia dated December 3, 2012 N 1006n). Medical examination is carried out once every 3 years, with the exception of disabled people of the Great Patriotic War, persons awarded the sign “Resident of besieged Leningrad” and recognized as disabled due to a general illness, work injury and other reasons. These groups undergo medical examination annually, regardless of age.

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Refund of 13 percent tax when building a house

In 2020, she can apply to the Inspectorate for a refund of the spent funds. Even though the construction cost 3 million, she will receive a deduction only in the amount of 2 million rubles, and for interest only in the amount actually paid, that is, 480 thousand rubles.

The main deduction can be claimed several times before the limit is used up. That is, if, say, the house was built for 1.5 million rubles, the balance is 500 thousand rubles. You can declare, for example, during the next construction or purchase of an apartment. If the limit has been reached, it will not be presented again.

Subsidy amount

Funds can be received in 2 ways:

1. Before the construction stage (you must first obtain permits, and then apply for a subsidy).
2. Upon completion of construction (you must apply for help no later than 2 years from the moment the building was put into operation).

In the first case, the subsidy amount will be 150 thousand rubles. (for large families, 50 thousand is added for each minor). In the second - from 10% to 70% of the market value (estimated by the number of square meters).

EXAMPLE 1. A large family with 4 minor children plans to build a house in the Ivanovo region with an area of ​​150 m2. After receiving a construction permit, she has the right to expect compensation in the amount of 150 thousand + 4 * 50 thousand = 350 thousand.

EXAMPLE 2. The same family has already built a house and received permission to put it into operation in September 2020. Therefore, she has the right to contact the administration before September 2020 to receive compensation in the amount of 10%-70% of the market value of the property. If we assume that the actual payment will be delayed until 2021 (which is not uncommon), the amount of the subsidy should be recalculated in accordance with real prices in 2021.

Benefit for pensioners when gasifying their home

After all the documentation has been completed, it’s time for the final installation of pipelines and devices. It is best to entrust the work to one organization that specializes in universal work (installation of a gas pipeline into the house and installation of appliances). As soon as all the work is completed, it is necessary to again contact the city gas or regional gas agency with a request to conduct an inspection of the newly installed equipment.

Comment: A subsidy can be provided only after the presentation of documents indicating the possibility of supplying gas and the planning of work. Answers to common questions about who is entitled to compensation for gas Question No. 1: Can each spouse receive a subsidy for gasification at home? Answer: No, the subsidy is provided per family for only one private home.

Conditions for obtaining the status of a large family

At the federal level, rules are fixed according to which families are assigned the status of large families.

The standard minimum for Russia is three children. Some subjects increase the limits to five or more. Municipal regulations should become the main support in resolving the issue. There are other conditions that require additional analysis:

1. A woman and a man are considered a family only if the marriage relationship is officially registered. And a large family is recognized if it has the appropriate documents. Even paying alimony for three or more children does not give the right to the status of having many children.
2. It is not necessary that a couple have all the children in common. You need either confirmation of a biological relationship or a court decision on adoption. In this case, guardianship is not taken into account.
3. All children must legally reside with at least one parent.
4. Only those children who have not reached the age of 16 are taken.
5. Exceptions are made only when entering a university for full-time study. Then the permissible age increases to 23 years. In the state The institution will tell you how to get a subsidy for building a house for a large family, if there are grounds.

How to get money back for building a house through the tax office

They will return 13% of the construction cost if this cost does not exceed 2 million rubles. Thus, the largest deduction amount is 260 thousand rubles. Amendments to the Tax Code of the Russian Federation adopted in 2014 gave the right to exhaust this limit to the end. For example, a house was built at a cost of 1 million rubles. The citizen received a deduction in the amount of 130 thousand rubles. The remaining 130 thousand rubles. he will be able to receive it later when grounds for this arise.

According to current legislation, there is no statute of limitations for submitting an application for a tax deduction to the Federal Tax Service. This also applies to the construction of a private house for personal needs. But it is important for the taxpayer to keep in mind two important payment principles:

How are subsidies transferred?

An employee of the housing and communal services must accept documents for consideration and then make a definite decision. As already mentioned, usually at least ten days pass until this moment. More often than not, it takes longer. The applicant will be informed if no problems were identified and the decision is positive. Then the constructed object is paid for.

Usually they choose the option when the amount of subsidies is transferred to the personal account of the developers. The main condition is to store money only in national banks; working with foreign currencies is prohibited. Money is spent immediately or after construction is completed. But receiving it in person is also prohibited; no one has any rights.

Evidence always becomes an important factor in resolving such issues. Otherwise, there is a high probability of imposing administrative, even criminal fines.

Benefits for pensioners

You must be guided by Law No. 2003-1, the second paragraph of Article 4. To receive a benefit, a pensioner needs to contact the Tax Service at the location of the real estate (if they are located in different parts of the city or different cities) with a request to provide a benefit. And also take the necessary documents. You must bring with you to the tax office:

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According to the law, pensioners of these categories may not pay property tax, regardless of its amount. A pensioner can own various residential and non-residential construction projects and structures and not pay property tax for individuals.

Are there any benefits for pensioners to install gas in the house?

As a result, we have total costs for completing documentation from 300,000 to 700,000 rubles (excluding funds spent on the purchase of gas equipment: boiler, water heater, etc.), 6-9 months of wasted time and a completely gasified house. It sounds a little scary, but the gas method of heating a house does not pay for itself in such a long time.

After all the documentation has been completed, it’s time for the final installation of pipelines and devices. It is best to entrust the work to one organization that specializes in universal work (installation of a gas pipeline into the house and installation of appliances). As soon as all the work is completed, it is necessary to again contact the city gas or regional gas agency with a request to conduct an inspection of the newly installed equipment. Stage No. 5: Checking equipment and starting gas. Representatives of Gorgaz, after a personal request from the owner of a private house, must carry out an inspection. This may take up to 3-4 weeks. If the inspection is successful, a certificate of technical supervision is issued. Next, you need to collect absolutely all the documents (from stages 1 to 5) and resubmit them to the city gas agency.

Basis for receiving a construction subsidy

To regulate such issues related to subsidizing large families, legislative acts have been formed:

Today's Russian legislation on social protection of the population in relation to large families has very serious flaws.

Chairman of the Commission of the Public Chamber of the Russian Federation on Social Issues and Demographic Policy E.L. Nikolaev

Right to social the payment is confirmed by a housing certificate, the forms of which are developed at the legislative level and are also assigned numbers and series, but are not securities. Cash will not be issued. The amount in the certificate depends on the family’s need for payments.

Participation in the program requires an application. Those. if a family does not wish to participate in the program, it is not required by law to participate in the programs.

Before submitting an application, a large family has the right to consult with specialists from the civil defense and municipal administration departments responsible for accounting and distribution of housing, both through personal appeal and through mail and telephone. If the family applies in person, it is recommended to have with you: a passport, a certificate of family composition, a copy of the personal account. These documents make it possible to preliminarily assess how much the family will be able to claim social benefits. payment.

Is it possible to return income tax when building a new house and how?

If the house was registered after 2014, regardless of what kind of property is registered for the housing, income tax is refunded based on expenses incurred. And since all property acquired during marriage is, according to general rules, common, it does not matter which spouse paid the construction costs and to whom the house was actually registered. Both husband and wife will be entitled to a tax refund in the amount of 2 million each.

Citizens who meet the conditions established by tax legislation have the right to a refund of income tax when building a house. For the purposes of obtaining a tax deduction, what matters is the length of stay of a citizen in the territory of the Russian Federation and the fact of receiving income subject to personal income tax.

25 Jan 2020 etolaw 1173

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About young families and regional programs for them

There is not only a federal level program. Each region is trying to create something of its own in this direction. Along with houses, residents can count on receiving land plots:

• Novosibirsk;
• Omsk;
• Irkutsk region;
• Udmurtia.

Allotments with a maximum area of ​​up to 30 acres are provided. If a young family receives such a plot, then construction on it must begin in one year, no later. The city administration has the right to revoke the allotment if this issue has not been resolved after some time. It is considered that the recipient of assistance has missed his opportunity to use the benefit for its intended purpose. This usually happens if the sites are located far from the city center. Not every young family agrees with such conditions. But it is still important to understand how to obtain subsidies for construction.