Abanikazi bezindlu bangathabatha irhafu yendawo yokuhlala kwiShedyuli A
Kodwa ezinye iirhafu ziza kunye nokuhlolwa kwimizi kunye nezilinganiso ukwenzela ukuba urhulumente omnye uthathe ntoni, omnye uyabuya. I-Revenue Revenue Service ikuvumela ukuba uchithe indleko zezo ntlawulo zepropati kufuneka uzihlawule.
Kakade, imigaqo ikhona.
I siseko
Nakhu okushiwo i-IRS malunga nayo kwi-Publication 530: "Uninzi lwaseburhulumenteni kunye noorhulumente bendawo bahlawulisa irhafu yonyaka kwixabiso lepropati yangempela, oku kubizwa ngokuba yerhafu yendawo yokuhlala. Unokukrazula irhafu ukuba ihlolwe ngokufanayo njengemali kuyo yonke impahla yangempela kulo lonke uluntu. Imali kufuneka ibe yintlalo jikelele okanye iinjongo zikaRhulumente kwaye ingabi ntlawulo yeli lungelo elikhethekileyo linikezelwa okanye inkonzo enikwe yona. "
Kumele ube ngumnini wepropati ukufaka isicelo sokubanjiswa. Ukuba uhlawula irhafu yepropati yakho kumama ngenxa yokuba ekhulile kwiminyaka kwaye unenkathazo yokufumana iziphelo, le nto ayidaluctible ngenxa yokuba irhafu ayihlawulwanga.
Iirhafu zemihlaba zichazwe kwiShedyuli A. Oku kuthetha ukuba kufuneka ufune ukutsalwa, kwaye ixabiso lakho lonke lehliswayo kufuneka libe ngaphezu kokuncitshiswa komgangatho onelungelo lakho lokufakela.
Ngaphandle koko, ukutsalwa kwelohlwayo mhlawumbi akufanelekanga ngexesha lakho-umrhumo wakho werhafu ngokupheleleyo unokuphela. Unokufuna ukulungiselela ukubuyiswa kweerhafu zakho zombini iindlela zokuqiniseka.
Imirhumo yePropati ihlawulwa ngeAcrow Accounts
Unokukrazula iintlawulo zerhafu yepropati ozenzayo ngqo kumlawuli weerhafu, kwakunye neentlawulo ezenziwe ngeakhawunti yokukhawuleza ekuhlaleni okanye ekuvaleni.
Abanye abahlawuli berhafu baqhubeka behlawula irhafu yabo yepropati ngeentlawulo kwiakhawunti ye-escrow ezibandakanyiweyo kwiintlawulo zabo zokuthenga. Umboleki-mboleko wemali ke uhlawule ukuhlawula kwigunya lerhafu egameni lomninikhaya . Kule meko, unokukrazula kuphela imali leyo umboleki-mali ohlawula ngayo imali yentlawulo-isibonelelo sentlawulo-nangona uhlawula ngaphezulu ekuhambeni kwonyaka.
Ukunikezwa Imirhumo yePropati Xa i-Real Estate Ithengiswa
Iirhafu zepropati zihlala zihlukana phakathi komthengisi kunye nomthengi xa kuthengiswa i-real estate kwaye kuthengiswa. I-IRS inikeza isikhokelo esithile malunga nendlela yokumisela inani lemirhumo yepropati eyabelwe nganye: "Iirhafu zezindlu eziqhelekileyo zihlukeneyo ukuze wena nomthengisi ngamnye hlawule irhafu ngenxalenye yerhafu yerhafu yekhaya. ezi zerhafu zichithwa ngokupheleleyo xa uthe wahlutha. "
Iimirhumo ezithile kwiiBhili zerhafu yePropati
Ngamanye amaxesha umrhumo werhafu wepropati kubandakanya iintlawulo okanye iintlawulo zeenkonzo, okanye ukuhlolwa kweenzuzo zendawo. Ezi azinqunywanga njengerhafu yepropati. Ukutshintshwa okanye irhafu yesitampu okanye iimvavanyo ezenziwe ngumbutho wabanini-mhlaba nazo azichithwa.
Iintlawulo zenkonzo ziquka izinto ezifana nenkonzo yamanzi, inkonzo yenkunkuma, kunye neenkonzo ezenziwa nguRhulumente ezinxulumene ngqo nepropati yakho, kungekhona zonke iipropati zendawo.
Ngokutsho kwe-IRS, "Ukuhlawuliswa kweenkonzo ezihlolwe kwipropati ethile okanye abantu abathile abangekho irhafu, nokuba ngaba ihlawuliswa ihlawulwa kumlawuli onetyala."
Iimvavanyo zengeniso zengingqi zithetha iindleko kwi-bill yakho yentlawulo yerhafu "yeengeniso zengingqi eziye zandisa ukonga kwepropati yakho. Inzuzo zengingqi ziquka ukwakhiwa kwezitrato, iindlela zokuhamba, okanye iindlela zokuhambisa amanzi." Ngenxa yokuba ezi ndleko zihambelana nokunyusa ixabiso lepropati yakho, azinakunyulwa njengentlawulo yepropati.
Ukugcinwa kweeNkcukacha zokuThuthwa kweRhafu yePropati
Gcina iikopi zeerhafu zakho zentlawulo kunye neesheke zakho zokukhansela ukubonisa ubungqina bentlawulo. Kufuneka ugcine kunye nawaphi na amaxwebhu e-escrow ukususela xa ipropathi ithengiwe okanye ithengiswe ngenxa yokuba oku kungabonisa iintlawulo ezongezelelweyo zerhafu yepropati onokuyenza nayo.
Impembelelo kwiNqanaba elincinci leRhafu
Ukuncitshiswa kwentlawulo yepropati yinto yokwenza utshintsho xa ubala inani elithile lerhafu , ngezinye izikhathi libizwa ngokuba yi-AMT. Oku kuthetha ukuba nangona ukuncitshiswa kweerhafu zepropati kunciphisa umvuzo ohlawuliswayo xa ubalwa irhafu yerhafu yengxowa-mali , ayinakucatshulwa xa kubalwa i-AMT. Abathengi abaxhomekeke kwi-AMT baya kufumana ukuba ukuchithwa kweentlawulo zabo zepropati kubangaphantsi okanye akukho ncitshiseko ekuhlawuleni irhafu yabo yentlawulo.
UkuCwangciswa kweRhafu yoNyaka-mali Ukusebenzisa Imirhumo yeZakhiwo
Abathengi banokuhlawula kuqala isitofu esilandelayo yerhafu yepropati phambi kokuphela konyaka ukuncedisa ukuphuculwa kwee-deductions zabo ngokukhawuleza kunyaka ozayo. Kwiimeko ezininzi, ezi ntlawulo zichithwa kunyaka ozihlawulayo, kungekhona kunyaka abaza kusebenza ngayo. Ngokomzekelo, unakho ukuhlawula isitolimende sentlawulo yentlawulo yasentwasahlobo kwangaphambili ngoDisemba ngaphambi kokuba unyaka ophela uphele. Oku kuya kunyusa inani lemali yentlawulo oye uyihlawulela kunyaka kwaye ukwandisa inani lokutsalwa kwakho.