Ukusebenzisa ukusetyenziswa kweSipho sakho kunye nokuKhutshwa kweRhafu yeNdawo
QAPHELA: Imithetho yombuso kunye neyomthetho iyashintsha rhoqo, kwaye ulwazi olulandelayo alukwazi ukubonakalisa utshintsho lwangoku kwimithetho. Ukufumana irhafu yangoku okanye isiluleko sezomthetho, nceda uqhagamshelane nomgcini-akhawunti okanye igqwetha kuba ulwazi olukule nqaku alukho irhafu okanye isiluleko sezomthetho kwaye asinalo indawo yerhafu okanye isiluleko somthetho.
Inzuzo eyinqobo ye-Personal Qualified Residence Trust , okanye i- QPRT emfutshane, ukususwa kwexabiso lezindlu zokuqala okanye ezisekondari ezivela kwindawo yakho kwixabiso elincinci lerhafu.
Oku, kuya kuthi, kususe ixabiso lepropati kwifa lakho kwiinjongo zerhafu . Kodwa ngaphambi kokuba uqonde ukuba i-QPRT isebenza njani ekunciphiseni i-estate taxable yakho, kufuneka uqale ukuqonda ukuba yiyiphi i-QPRT kwaye kwenzekani ngexesha ngalinye kwisigaba ngasinye seTrust ephezulu: Yintoni i-Personal Residence Residence Trust?
Xa uqonda izigaba ezahlukeneyo kunye nemigangatho ehambelana ne-QPRT, uya kuba ulungele ukuqonda izibonelelo zayo.
Ukubala Ixabiso leSipho ku-QPRT
Xa udlulisela ikhaya lakho okanye indlu yeeholide egameni lakho le-QPRT, uthathwa ukuba wenze isipho kubaxhamli bokugqibela be-QPRT ngenjongo yentlawulo yesipho. Kodwa kubalwa njani ukubaluleka kwesipho?
Ekubeni uza kugcina ilungelo lokusebenzisa indawo yokuhlala yengeniso ye-QPRT ngaphambi kokuba ubunikazi buhanjiswe kubaxhamli bokugqibela be-QPRT, ukubaluleka kwesi sipho akunako ukulingana nexabiso elithengisayo lemarike ipropati ngomhla wokudluliselwa.
Ngamanye amagama, uya kuba wenza isipho kubaxhamli abathembekileyo abaya kuba nako ukufumana ubunini bobukhulu beminyaka emininzi. Ngaloo ndlela, ukubaluleka kwesipho sakho kuya kubalwa kwiqhezu lexabiso lemarike elifanelekileyo le propati. Oku kubalwa kuxhomekeke kwiminyaka yakho ngexesha lesipho, ixabiso lentlawulo ngexesha lwenyanga yokudluliselwa, kunye nenani leminyaka oyikhethayo kwisithuba sokufumana ingeniso.
Konke oku kwongezelela ukusetyenziswa kwexesha lokuphila kwakho kwiirhafu zesipho, ukususela, umzi oxabisa i-$ 650,000 unokukuhlawula kuphela i-$ 200,000 yokukhululwa kwesipho sakho sokufumana isipho xa usithumela kwi-QPRT.
Ukususwa kwexabiso leNdawo yokuhlala kwiSakhiwo sakho
Xa ixesha lokungeniswa kwe-QPRT yakho liphela, ubunini bendlu yakho yendlu okanye indlu yeeholide iya kudluliselwa kwabaxhamli bokugqibela oye wachaza kwi-QPRT. Ngaloo ndlela, awuyi kuba nelungelo lobunikazi kwipropati. Ngako oko, i- IRS ayikwazi ukuhlola irhafu yerhafu malunga nento ongekho, ngoko ngokuseka i-QPRT kunye nokuphuma kwexesha lokufumana ingeniso; uya kukhangela ngokufanelekileyo ukusetyenziswa kwesipho sakho kunye nokuxolelwa kweerhafu yezindlu.