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Consórcios devem constar na Declaração de IRPF 2019. Saiba como

O prazo para a entrega da declaração do Imposto de Renda Pessoa Física (IRPF) 2019 vai até o dia 30 de abril. Só no ano passado, mais de 29 milhões de contribuintes enviaram o documento à Receita Federal e cerca de 383 mil foram retidos na malha fina. Um dos casos que levam muitos contribuintes a cometerem erros é o desconhecimento dos bens que precisam obrigatoriamente entrar na declaração como, por exemplo, um consórcio, mesmo que ainda não tenha sido contemplado.

Atualmente, segundos dados mais recentes divulgados pela Associação Brasileira de Administradoras de Consórcio (ABAC), há 7,15 milhões de participantes ativos em consórcio, considerando todos os setores – veículos automotores, imóveis, serviços e eletroeletrônicos e outros bens móveis duráveis – por ser uma modalidade de investimento a longo prazo e flexível. O número de consorciados continua a crescer a cada mês e só em janeiro de 2019 foi detectado um avanço de 4%, quando comparado ao mesmo período do ano anterior.

As vantagens oferecidas pelo consórcio tendem a atrair cada vez mais pessoas, já que o produto oferece a opção de adquirir um bem que se adéqua a diferentes situações financeiras e que auxilia até mesmo aqueles que não possuem a disciplina necessária para economizar dinheiro. “Porém, os consorciados precisam estar atentos ao declarar o IRPF 2019”, explica Fernando Buzzatto, Diretor de Operações da Embracon.

“Um erro comum que deve ser evitado: declarar o consórcio como uma ‘Dívida e Ônus Reais’ ou o bem propriamente dito. O consórcio somente deverá ser declarado como bens e direitos e o contribuinte deve declarar somente os valores efetivamente pagos desembolsados no ano referente a parcelas, juros e multas e lances pagos com recursos próprios”, acrescenta o executivo.

Cotas não contempladas

Caso ainda não tenha sido contemplado, inclua sua cota de consórcio na “Tabela de Bens e Direitos”, sob o código 95. Depois disso, se o grupo ao qual pertence for do ano passado (2018), basta deixar o campo “Situação em 31/12/2017” em branco. Preencha apenas o campo “Situação em 31/12/2018” com a soma das parcelas pagas até essa data.

Em consórcios mais antigos, ou seja, se o pagamento acontece desde 2017, o primeiro passo é preencher o campo “Situação em 31/12/2017” com o valor informado na declaração do ano anterior. Já no campo “Situação em 31/12/2018”, informe o valor total já pago.

Cotas contempladas

Se em 2018 sua cota de consórcio foi contemplada será necessário informar à Receita, por meio da “Tabela de Bens e Direitos”, a mesma utilizada nas cotas não contempladas. Caso a contemplação ocorra através de sorteio no mesmo ano em que adquirir o consórcio, também será necessário usar o código 95 (consórcio não contemplado). Entretanto, nesse caso, os campos referentes aos valores pagos durante os anos de 2017 e 2018 deverão ser deixados em branco.

Agora, se já possuía o consórcio em 2017 e foi contemplado em 2018, o procedimento é semelhante. Usando o mesmo código 95, informe no campo “Situação em 31/12/2017” o valor declarado no imposto de renda de 2018, enquanto o campo “Situação em 31/12/2018” deve ficar apenas em branco.

Fonte: Assessoria

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