Inkolelo # 1: Abahloli banquma irhafu yepropati
Buxoki. Abahloli baqikelela ixabiso lemarike yepropati. Olu vavanyo lwexabiso lemarike lwandiswa yerhafu yokuhlawula irhafu ukuza kunye nomyinge werhafu yepropati kwerhafu yerhafu yepropati.
Iirhafu zerhafu zepropati zihlala zibekwa nguorhulumente wengingqi, njengama-legislatures asezidolophini, ama-legislature aseburhulumenteni, amabhodi esikolo, njl njl.
Inkolelo # 2: Iimali ziphezulu ngenxa yokuvavanya
Oku kunokwenyaniso, kodwa uvavanyo luyingxenye yomfanekiso. Uvavanyo oluphezulu lunokufaka isandla kwiirhafu zepropati ephakamileyo, kodwa isantya yerhafu yintoni eyiyo imisela inani lemali yerhafu yepropati yakho. Unokuba novavanyo oluphantsi, kodwa ukuba olo vavanyo oluphantsi luphantsi kwentlawulo ephezulu yerhafu, uya kuba neyayilwayo yerhafu ephezulu.
Nangona kunjalo, ukufutshane nokukhalaza kurhulumente wengingqi malunga neerhafu zerhafu okanye ukuvota akukho kwizinga lokunyuka, uvavanyo lwakho luhlala luyingxenye yecala yakho yerhafu yepropati onamandla okuyenza nantoni na. Ekubeni ukuvavanya kunokuba yi-subjective, ubuninzi beendawo zineenkqubo ezikuvumela ukuba ukhankanywe uvavanyo lwakho ukuba unomuvo ophezulu okanye awukho kwixabiso lentengiso.
Hlola nge-ofisi yomhloli wendawo malunga nendlela yokufaka isibheno.
Inkolelo # 3: Ukuqokelela imali eninzi ngeentlawulo zepropati, okanye iirhafu zepropati ziphakamileyo ngenxa yeebhajethi zebhajethi
Iirhafu zepropati ngumthombo omnye wenkokhelo yoorhulumente basekhaya kunye nezithili zesikolo, kungekhona urhulumente.
Ngokomgaqo-nkqubo weRhafu weNkcazo, ufumana imali engaphantsi kwe-2% yengeniso yerhafu evela kwerhafu yepropati. Kwaye amaninzi amazwe athola inzuzo yengeniso yerhafu kwintlawulo yepropati, ukuvumela indawo kunye nezithili zesikolo ukuba zithole yonke ingeniso.
Nangona kunjalo, ithi akukho nto yerhafu yokuthengisa okanye irhafu yengeniso (okanye zombini) ixhomekeke ngakumbi kwiirhafu zepropati. IVermont, i-New Hampshire, i-Wyoming, iWashington, i-Montana, iMichigan kunye ne-Arkansas bafumana ngaphaya kwe-8% yengeniso yabo yerhafu kwiirhafu zepropati. Amanye amazwe, kuquka iMichigan, iVermont kunye neNew Hampshire baye bamisela iirhafu zerhafu ezikhethekileyo zorhulumente ukwenzela ukwandisa imali kwizikolo zikarhulumente.
Umthombo: ICandelo lePolisi yeNkcazo
Inkolelo # 4: Iirhafu zokulinganisa zingalungisa uvavanyo olungalunganga
Iirhafu zokulinganisa zichazwa njengomyinge wexabiso elipheleleyo elivandlakanyweyo kwiipropati kwiindawo zokuthengisa iimpahla zinyaniso.
Izilinganiso zokulingana zilinganiso zomasipala ezijoliswe ukuqinisekisa ukuba iimvavanyo ngaphakathi kumasipala wonke zisondele kwixabiso lemarike. Izilinganiso zokulingana nazo zingasetyenziselwa ukuqinisekisa ukuba iirhafu zepropati, ezifana neelayibrari zoluntu, ezihlawulwa ngabantu abaninzi zihlulwe ngokwexabiso lexabiso lemarike kuluntu ngalunye.
Oku kufezwe ngokufuna ukuhlola okuthile ukulinganisela ixabiso lemali kubo bonke oomasipala.
Le nkolelo yinyani. Izinga lokulingana alisetyenziswanga ukulungisa uvavanyo lwabantu ngabanye.
Inkolelo ye-5: Iirhafu zerhafu zibonakaliso ezintle zenyusa irhafu
Buxoki. Ipropati yerhafu yepropati inezinto ezimbini: ukuhlolwa kwexabiso lepropati kunye nentlawulo yentlawulo. Ireyithi yentlawulo inokunyuka, kodwa ukuba ixabiso lepropati liwa, awukwazi ukubona utshintsho kwi-bill yakho yentlawulo yerhafu. Ngokufanayo, irhafu yerhafu ingawa, kodwa ukuba ixabiso lekhaya liyakhula kakhulu, iindleko zerhafu zinokunyuka. Imali yentlawulo yepropati incike kwizinto zombini.
Inkolelo # 6: Iikota zokuhlola zihlawula irhafu yentlawulo
Iikhonkco zokuhlola zifuna ukuba uvavanyo alukhulumi ngaphezu kwepesenti nganye ngonyaka. Ngempahla yesikhokelo sokuhlola esanda kwindleko ngokukhawuleza kunokuba abanye bangaphononongwa.
Oku kwenzeka ngenxa yokuba ikhefu ayivumeli loo makhaya ukuba ahlolwe kwixabiso lawo lokwenyani.
Ngokomzekelo, masithi kukho izindlu eziqhelekileyo kwindawo ekumgangatho ophezulu okhulayo kwixabiso ngokukhawuleza kunamakhaya asekudala endaweni engathandekiyo edolophini. Amakhaya aphakamileyo anyuke kwixabiso ngelizinga lama-25% ngamnye ngonyaka kwaye amakhaya akhulileyo akhula ngexabiso kwi-10% ngonyaka. Umlinganiselo wemilinganiselo yesikhokelo ukunyuka kuya kuma-15% ngonyaka.
Le nqophe izakukhusela amakhaya aphezulu ekuvavanyeni kwixabiso lawo lokwenene lemarike, ngelixa amakhaya amadala aya kuhlolwa kwixabiso lemarike epheleleyo. Oku kuya kushiya abanini bamakhaya asebekhulile bephethe isikhwama kuba abaphathi bezindlu eziphezulu abahlawulanga isabelo sabo esifanelekileyo. Kakade ke, oku akusoloko kunjalo, kodwa kuyinkohlakalo enokuthi i-caps zovavanyo.
Imigaqo yeRhafu yoLuntu
Iirhafu zepropati ziza kunye ne-jargon kwaye ukuhlenga yonke into kunokushiya ikhanda lakho. Ngoko, ukwenza kube lula siye sachaza iminye imiqathango yentlawulo yepropati eqhelekileyo kwisiNgesi esilula. Ukuze inkcazelo ewandisiweyo iqhosha kwikota yerhafu yepropati.
Ukuthunyelwa - ukuxolelwa kwetyala elipheleleyo okanye inxalenye.
I-Ad Valorem Intlawulo - irhafu e sekelwe kwixabiso, njengerhafu yerhafu.
Iimbuyekezo - Ixesha elisetyenzisiweyo xa irhafu ehlawulwa kunyaka okhoyo ibonisa irhafu efunekayo kunyaka odlulileyo.
Uvavanyo / Uvavanyo -inkqubo yokumisela ixabiso lepropati yeenjongo zerhafu yepropati.
Umqhubi wesiphaluka - nayiphi na irhafu yentlawulo yomhlaba eyenza umda okanye ukunciphisa irhafu yentlawulo kubantu abathile.
Indlela yokuthengisa efaniswayo - usebenzisa ukuthengisa kwezakhiwo ezifanayo ukuqikelela ixabiso lemarike yepropati.
Isilinganiso sokulinganisa - umlinganiselo wexabiso elilinganisiweyo lexabiso lempahla kwindawo yoluntu kwixabiso lexabiso lemarike yinyaniso.
Ukuncitshiswa kwezindlu / ukuxolelwa - ukunciphisa ukuhlolwa okunikezelwa kubanini bezindlu abasebenzisa amakhaya abo njengendawo yokuhlala yokuqala.
- elinye igama lentlawulo yerhafu, iboniswe kwi-1/1000 yedola (eyaziwa njengeyilitha enye).
Isakhiwo somntu siqu esingabonakaliyo - isakhiwo ngaphandle kwepropati engabanjwa kwaye ichukumiswe. Umzekelo imoto okanye ifenitshala yeofisi. Ezinye iindawo kunye needolophu zerhafu ixabiso lepropati yomntu.
Umthombo: Iingoma zenzelwe iSebe laseNew York leRhafu kunye nezeMali