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How to declare a loan in the Income Tax. Step by step



Declaring or not a loan in the Income Tax (IR)? Many people still have this doubt and we will help to clarify how to declare loan in Income Tax.

First of all, you can not forget that the deadline for submitting your declaration in 2019 is until April 30. If you are still sure whether to declare or not, see who fits that order .

From what amount do I need to declare my loan?

From what amount do I need to declare my loan?

You only need to declare a loan in the income tax if the total amount acquired is greater than five thousand reais. Whether for business activity with financial firms or in particular, it is usually done with familiar and familiar people, for example.

How to declare loan on Income Tax?

How to declare loan on Income Tax?

To understand how to declare a loan on Income Tax, know where to file.

This amount must be registered individually in the Form of Debts and Real Charges. That is, if you have applied for more than one loan, each loan must be declared separately. This included the information of value and Individual Taxpayer’s Registry (CPF) or National Registry of Legal Entity (CNPJ) from whom the importance was granted.

But I anticipated the repayment of the loan, shall I declare?

Yes. This information will ensure that you have no pending or irregularities regarding this loan for the following year’s return.

I who performed the loan, shall I declare?

I who performed the loan, shall I declare?

Yes. And the rules are the same. That is, the amount borrowed must exceed five thousand reais. In the discrimination of the action, you must inform the name and the CPF of the beneficiary.

But attention, the value declared by both, who lent the importance and who received, should be the same. If there is a divergence between the declarations it is possible that the taxpayers fall into the fine mesh .

Special check is also loan?

Special check is also loan?

Yes, special check also fits this item. It must be declared in IR as a loan following the same rules. That is, if you were negative in your bank account, during the year to be declared, in a value above R $ 5 thousand, you must record this information.

Credit card debts

Credit card debts

Credit card debts fall under the same rules as overdrafts. They should also have their importance recorded separately from other debts.

Financial Services

Financial Services

If you have a security that has security as well as mortgages and pledges, for example, these amounts are not considered loans or debt. Thus. do not fit into this statement format.

Learn more on how to declare in IR the purchase and sale of real estate.