Ishedyuli E Iingcebiso Zentela
Abanikazi bezindlu kufuneka bagcine iirekhodi ezifanelekileyo malunga neendleko, inzuzo kunye neendleko, kunye nenombolo enye yeyona ndlela efanelekileyo yokugcina ngayo zonke ezi zinto kukuseta ispredishithi - i-akhawunti yakho yerhafu ingaba nayo itemplate ongayisebenzisa.
Nazi izinto ofuna ukuzenza:
- Intengo yokuthenga yendlu, idoti, okanye isakhiwo sezindlu oqeshisayo
- Ukuhla kwexabiso, kunye nokuhla kwexabiso lonyaka kwipropati yakho
- Ingeniso yengeniso
- Ukhuseleko olufunyenweyo
Uyakufuna kwakhona ukulandelela iinkcitho ezahlukeneyo ezinxulumene nepropati yakho yokuhlala, kuquka:
- Iikhomishina okanye iimali zokulawulwa kwepropati
- Iindleko zokuthengisa
- Ukucoca, ukugcinwa kunye nokulungisa iindleko
- Iinshurensi zabanini-makhaya kunye ne-HOA
- Iirhafu zezindlu kunye neendleko zentengo yempahla
- Iifomethi zokukhuseleka zibuyiselwa kumqeshi
- kunye nezinye iindleko, ezifana nezibonelelo, ukulungiswa komhlaba nokuqokelela udoti
Ukuba ulandelela le ndleko usebenzisa isofthiwe yemali yomntu okanye i-spreadsheet yekhompyutheni, iingxelo zakho zenyanga kunye neye-end-end ziza kulungelelanisa zakho kwaye ungaziphrinta kalula.
Imiqathango yokulahleka kwemisebenzi
Nanku umgaqo we-IRS ovulekile # 1: Ukuba enye yepropati yakho yokuqashisa inokulahleka kwintlawulo yonyaka, ilahleko leyo ingahlawulwa ngokulahlekelwa kunye neenzuzo zazo zonke ezinye izakhiwo zokuqashisa.
Nantsi ke iindaba ezilungileyo-ezingenjalo-ezilungileyo: Ukuba ixabiso elipheleleyo kuzo zonke iipropati zakho alibi - ukulahleka kwenetha - ilahleko leyo inokuthi iphelele, inxenye okanye ayinakuhluthwa nxamnye nayo yonke ingeniso yakho yonyaka ngenxa umda wokulahlekelwa kwemisebenzi.
Ukuqeshiswa kwepropati yepropati ngokuqhelekileyo kubonwa njengomsebenzi ongenamsebenzi, nangona uchitha ixesha elininzi lokukhetha abaqeshi abalungileyo, ukulungiswa kweyunithi yokuqeshisa nokuhlola ipropati yokugcinwa rhoqo.
Ukulahlekelwa yimisebenzi engenziwanga kukukhawulelana nokunciphisa inzuzo engenziwanga.
Ukuba uthatha inxaxheba kwimisebenzi yokuqeshisa, nayiphi na ilahleko zokuqashisa inokudityaniswa ukuya kwii-25,000 zamawaka ngonyaka ngokubanzi kuzo zonke iindawo zakho zokuqashisa. Abantu abatshatileyo abafakela ngokwahlukileyo banomda wokulahlekelwa kwerenti ukuya kwii-12,500 zamaRandi xa umntu ehlala ngaphandle kweqabane lakhe ngamaxesha onke kunyaka werhafu. Ixabiso lelahleko yokuqeshisa evumelekileyo ukuba abathathi-nxaxheba abakwiindawo zokuqashisa bahluka ngokusekelwe kwingeniso yakho epheleleyo echitshiweyo (MAGI):
- Kwi-MAGI ye-$ 100,000 okanye ngaphantsi (i-$ 50,000 okanye ngaphantsi xa utshatile ukutshatyalaliswa ngokwahlukileyo), ukulahlekelwa kwerenti kunokuncitshiswa ngokupheleleyo, ukuya ku-$ 25,000 ($ 12,500).
- I-MAGI phakathi kwe-$ 100,000 kunye ne-150,000 (phakathi kwama-$ 50,000 kunye ne-$ 75,000 xa utshatile ukutshatyalala ngokwahlukeneyo), ukulahlekelwa kwerenti kunokunciphisa ukuya kumda we-50% wohlukwano phakathi kwe-$ 150,000 (i-75,000 zamawaka angama-75,000 xa utshatile ukufakela ngokwahlukileyo) kunye ne-MAGI.
- Kwi-MAGI ngaphezu kwe-150,000 zamawaka (i-$ 75,000 xa utshatile ukutshatyalaliswa ngokwahlukileyo), akukho nenye yelahleko yokuqashisa inganqunyulwa kwenye into engenayo.
Unako Ukuthwala Ukulahlekelwa
Oku kusenza sibe nomthetho ovulekileyo we-IRS # 2: Ukulahleka kwerenti eyanqunyanyiswe ngumlinganiselo wokulahlekelwa kwemisebenzi unokuqhutyelwa phambili kunyaka werhafu olandelayo xa unokuthi unqumle inzuzo yerenti.
Umlinganiselo wokulahleka komsebenzi osebenzayo unyaka ngamnye, kodwa ilahleko zokuqashisa ziyaqhubeka ziqhubeka kunyaka emva kokuba ilahleko zisetyenziswe ngokunciphisa inzuzo yerenti okanye ngokuchithwa kweminye ingeniso.
IFomu 8582 isetyenziselwa ukubala imida yokulahlekelwa kwemisebenzi kunye nokugcina ilahleko zokurenta eziqokelela ngonyaka ngamnye kwipropati nganye.
Ukucwangciswa kweRhafu kwabaNini-mhlaba
Abanini bempahla ngamanye amaxesha benza inzuzo encinci xa imali yokuqashisa ingenele ukuhlawula umboleko kunye neerhafu zepropati, i-inshorensi kunye nokulungiswa. Kodwa abanikazi bezindlu bahlawula ixabiso lokuthengwa kwepropati yokuqeshisa, kwaye oku kunokubangela ukuba inzuzo encinci yezoqoqosho ilahlekelwe yintlawulo encinci yentlawulo - iindleko zingaphezu kwemali engenayo emva kokunciphisa ukuhlaziywa.
Njalo, ngokuqhelekileyo, abanikazi bezindlu bajongana neendleko ezinkulu, ezifana nokutshintshwa kwephahla okanye ukutsala indlu emva kokuphuma kwexesha elide.
Kule meko, kungenzeka ukuba umninikhaya unelungelo lokulahleka ngaphezu kwama-25,000, kodwa umyalelo wokulahleka komsebenzi wokunciphisa ukulahlekelwa ukulahleka kuma-25,000. Intsalela iya kuqhutyelwa kunyaka ozayo xa umninikhaya enethemba lokuba unokufumana inzuzo kwaye uya kukwazi ukufumana ilahleko ezingaphezulu kweerhafu.
Ukuthengisa iimpahla zerhafu
Ukulahleka kwerenti ethile kwipropati ethile kuvunyelwe ngokugcwele kunyaka apho ipropathi ithengiswa kwisimo esipheleleyo kumthengi ongathintana.
Ukuthengisa indlu, isakhiwo sezindlu okanye enye indawo yokuqashisa ayifani nokuthengisa indawo yakho yokuhlala. Kanye nje xa ubala i-capital income, ifomula yokubala inzuzo okanye ukulahlekelwa kwepropati yokuqeshisa ibandakanya ukukhupha isiseko seendleko kwixabiso lakho lokuthengisa.
Isiseko seNkqubo yokuHlaba kweMpahla yoRhawulo
I-formula yokubala isiseko seendleko kwipropati yerenti yile ndlela ilandelayo:
- Ixabiso lentengo
- Iindleko zokuthenga ezithengiweyo (isihloko kunye neendleko zokuhlawula, ii-commissions ze-arhente yezindlu, njl.
- Ukuphucula okunye (ukubuyisela uphahla, isithya esitsha, njl.)
- Iindleko zokuthengisa ezithengiswayo (isihloko kunye neendleko zokuhlawula, ii-commissions e-estate agent, njl.
- Ukunciphisa ukuqokelela (njengoko kuxelwe kwiifom zakho zerhafu)
- Ulingana neendleko zakho
Ukubala inzuzo yakho okanye ukulahleka kuya kuba:
- Ixabiso lokuthengisa
- Nciphisa isiseko sakho seendleko
- Ulingana nenzuzo okanye ukulahleka kwakho
Ukuba inani elibangela ukuba lihle, wenza inzuzo xa uthengisa impahla yakho yokurenta. Ukuba inani eliphumayo libi, ulahlekelwe yilahleko. Ukuzuza kwipropati yokurenta inokuhlawulwa ngenye indlela njengokunciphisa ukuhlaziywa kwinqanaba eliphezulu lentlawulo yepesenti ezingama-25 kunye nenye njengenzuzo eyinkunzi . Ukuthengiswa kwepropati yepropati kubhalwe kwiFomu 4797, kwaye nayiphi na imali yokubala iindleko zichazwe kwiShedyuli D.
Ipropati yangempela kunye noXanduva oluNcinci
Abanini bezindlu abaninzi bajonga ukuba benza amaqumrhu, iinkampani ezinobuncwane okanye iinkampani zokusebenzisana ukuba zibe nezakhiwo zabo zokuqashisa. I-corporation ingase ibe yintlekele ngenxa yokuba iinkampani zingenayo ixabiso lentlawulo ekhethiweyo kwiinzuzo zengqesho elide.
Ikhampani ejongene nokunyaniseka iya kukwazi ukugqithisa i-long-term gains to its members so uzuzo luya kuba lufanelekile kwizinga elikhethiweyo lepesenti ezili-15 kwiinzuzo zangexesha elide. Abanikazi bokuhlala kufuneka baxoxe ngale ndlela kunye neminye imiqathango esemthethweni yokwenza inkampani kwiindawo zokuqashisa kunye negosa ukuze ziqonde zonke iimpembelelo zezomthetho nezemali zesicwangciso esinjalo.