In 2019, Anna bought a one-room apartment worth 4.5 million rubles. A year after the purchase, the girl submitted documents for a tax deduction refund. She attached a certificate of personal income tax paid to the treasury to the application. The amount of tax withheld from her salary for the year was 100 thousand rubles. This is the amount that was returned to Anna's account three months after filing the application. In 2021, the owner of the apartment repeated the procedure and received another 100 thousand rubles into her account. In 2022, Anna submitted documents again. But this time she was returned 60 thousand rubles. The tax deduction limit has been exhausted. But now the girl can move on to the next stage - returning personal income tax from the interest paid on the mortgage. The money will also be returned to the account in several stages until the amount reaches the limit - 390 thousand rubles.
Each violation of the terms is fraught with the accrual of fines and penalties. This will lead to the fact that you will have to pay more on the loan than you initially planned. In addition, your credit history will be damaged. In the future, it will be more difficult to borrow money at interest from a large reliable bank.
You insured your loan but repaid it early? You have the right to russia mobile database return part of the amount paid for insurance (for the unused period). Contact the insurance company, write an application, attach a copy of the contract and a certificate from the bank confirming full repayment of the loan. In the application, indicate the details of the account where the money should be transferred.
When a borrower takes a loan from a bank, he must understand that he will have to repay the debt with interest. The amount of overpayment can be calculated independently, or you can simply look at the first page of the loan agreement. It indicates the full cost of the loan including interest. The easiest ways to reduce the overpayment are to repay the debt early or refinance on more favorable terms.
You can apply at Bank Sinaracreditup to 3 million ₽ with a 0% rate. To do this, you need to connect the service package "Manage easily" and fulfill several conditions. If they are met, after the loan is fully repaid, the bank will return all the interest paid to you.
The information in the article is current at the time of publication. Financial conditions may change. Please check the current data on the page of the product you are interested in. The Bank is not responsible for the use of outdated information.