IMigaqo eSeko
Imali ye-IRA ihlawulwe irhafu . Ukuba uthengisa i-real estate ne-IRA ngokungafanelekanga, unako ukungafanelanga i-IRA, ukwenza yonke imali ihlawulwe.
Oku kwakuyiphutha elikhulu. Nantsi imigaqo ebalulekileyo ekufuneka ilandelwe ukuba ibe nokuthenga okufanelekileyo:
- Awukwazi ukuhlawula ipropati.
- Awukwazi ukusebenza kwipropati ngokwakho ukuze uhlawule umntu ozimeleyo ukwenza nayiphi na indlela yokulungisa.
- Awufumani ikhefu zerhafu ukuba ipropati isebenza ekulahlekelweni, kwaye awuyi kubanga ukuhla kwexabiso.
- Kumele uhlawule zonke iindleko ezihambelana nepropati ngaphandle kwe-IRA kwaye ubeke zonke iingeniso kwi-IRA-ukuba unayo imali eyaneleyo kwi-IRA yakho kunye neendleko ezinkulu zepropati ezikhulayo, oku kungakubeka kwindawo engalunganga.
- Awunakufumana nayiphi na inzuzo evela kwipropati - awukwazi ukuhlala kuyo okanye ukuyisebenzisa nangayiphi na indlela. I-real estate ene-IRA yakho kufuneka ibe yinjongo yokutyalomali.
Akukho Basebenzisa Ubuntu
Xa abantu beqala ukuva banokuthenga ngokusemthethweni i-real estate ngemali ye-IRA, bafumana ukucinga okuvuyisayo ukuba bangasebenzisa iimali zabo ze-IRA ukuthenga ipropati yeholide okanye indlu abangayiqeshisela abantwana babo.
Uxolo, ayisebenzi ngaleyo ndlela.
Nakuphi na utyalo-mali olwenziwe yi-IRA yakho kufuneka kuthathelwe ingqalelo kwintengiselwano yokuhamba kwengalo. Oko kuthetha ukuba awukwazi ukusebenzisa imali kwi-IRA yakho ukuthenga okanye ukuthengisa i-real estate kuyo okanye kumalungu okanye entsapho, kwaye awukwazi ukufumana nayiphi na inzuzo evela kwipropati. Yifumane? Akunakuba yintonga yepropati oyisebenzisayo kuyo nayiphi na indlela, ukuma, okanye ifom.
Awukwazi ukufumana nayiphi na inzuzo engekho ngqo. Umzekelo, awukwazi ukuzihlawula okanye ilungu lentsapho ukuba ube ngumphathi wepropati. Ukugcina izinto ngeencwadi ozifunayo ukuqesha umntu ozimeleyo ukwenza nayiphi na isondlo okanye umsebenzi wokulungisa ofunekayo.
Kuthiwani ngeenzuzo zerhafu?
Njengawo nawuphi na utyalo-mali kwi-IRA yakho, ingeniso ehlawulwayo irhoxisiwe kuze kube yimini oya kuhoxisa kuyo, okanye ukuba yiRoth IRA, nayiphi na inzuzo yokutshala imali iqokelela ikhefu kwaye unako ukuyihoxisa irhafu. Le mithetho iyasebenza naluphi uhlobo lotyalo-mali oluphantsi kwe-IRA.
Enye yeenzuzo eziphambili zokutyalo-mali kwi-propati yexabiso lexabiso, kufuneka uhlahlise irhafu. Nangona kunjalo, ngaphakathi kwe-IRA yakho awukwazi ukubanga ukutsalwa kwemali, ukwehla kwexabiso okanye ukulahleka. Awufumani le mibhalo ebhaliweyo yerhafu kunye ne-real estate ngaphakathi kwe-IRA.
Ukongeza kwi-IRA yendabuko xa ufikelela kwi-70 1/2, kufuneka uthathe isabelo esincinci esincinci . Ukuba unomhlaba ongeyena mhlaba awunakuyithengisa ngezocandelo, ngoko ke ukuba kukho imali enganeleyo kwi-akhawunti yakho ye-IRA ukukhawulela iimfuno zakho ezifunekayo oku kunokubangela iingxaki.
Kuzo zonke izizathu, ndicinga ukuba abaninzi abantu baphumelele ekusebenziseni imali engeyiyo i-IRA yezoqoqosho zabo zangaphandle.
Ngaphandle kweRoth. Ukuba ungumtyalo-mali we-real estate kwaye ungasebenzisa imali ye-Roth IRA yokuthenga kwakho, unako ukuqokelela imali eyinzuzo kwaye bonke baya kuhlawulwa irhafu. Ukuhamba ngokuhlakanipha.
Ngubani omele athenge i-estate ye-IRA?
Ukuba ungumnini-mali-mali onamava, kwaye uyazi ukuba unokufumana imbuyekezo ekhangayo ngokuthenga umhlaba ongcolileyo, izakhiwo zokuqhafaza, okanye ukuqokelela ixabiso lokuqeshiswa kwezindlu, ngoko-ke ukusebenzisa i-IRA imali iyakwenza ingqiqo kuwe. Kumele ugxothe ukuhoxisa inzuzo okanye uzuze kwiminyaka engama-59 / 1/2, kodwa ngaphakathi kwe-IRA ungagxotha imali ukusuka kwiprojekthi enye ukuya kwenye engekho miphumo yerhafu.
Ukufumana umgcini we-IRAs ye-estate
Njengoko ii-IRA zineenzuzo ezizodwa zerhafu, i-IRA kufuneka ibe nomgcini-mgcini ogcina ingxelo kunye neengxelo kwi-IRS kwiimali zokufaka imali, ukuhoxiswa, kunye nemali yokugqibela yeminyaka.
Abagcini baninzi baya kukuvumela ukuba uvule into ebizwa ngokuba yi-IRA ejongene ne-self-directed. Bahlawula umrhumo wonyaka okanye wekota ukwenzela ukunika ingxelo ebalulekileyo. Uninzi lwaba bahlali banika iincwadi kunye neenkcukacha kwiimigaqo ze-IRS ezisebenzayo, kodwa abaninzi babo abanakukunika iingcebiso zomthetho okanye zerhafu, ngoko kuya kuba kuwe ukuqinisekisa ukuba ulandela imithetho. Ukuba awuyithobeli imithetho, uthatha ingozi yokuba yonke i-akhawunti yakho ye-IRA iya kuqwalaselwa ngeniso engenayo.