Imirhumo ye-US ekuthengisweni kweKhaya langaphandle

Kufuneka unike ingxelo ngokuthengiselana, kodwa unokuphepha ukuhlawula irhafu

Abanye abahlawuli berhafu bafumana ipropati yangempela ekhoyo kumazwe angaphandle, kwaye oku kungabonisa imiba yerhafu ekhethekileyo kunye nexhala. Uyibika njani irhafu kwiNkonzo yangaphakathi yeNgeniso xa uthengisa ikhaya elingekho kumhlaba wase-US? Mhlawumbi uhamba ukusuka kweli lizwe kunye nepropati yakho yindlu ngaphambi kokuba uhambise, okanye mhlawumbi utyalwe khona. Ngayiphi na indlela, uyithengisile kwaye ngoku kufuneka ufumanise indlela yokufaka umthengi kwirejista yakho yentlawulo yase-US.

Impendulo yalo mbuzo werhafu yinkimbinkimbi. Uya kufuna ukuqonda ngokucacileyo kwinkqubo ngelixa usesikweni kwisicwangciso sokulungiselela, ukulungiselela ukuthengisa impahla yangaphandle, ngakumbi ukuba unenjongo yokudlulisela imali kwi-akhawunti yakho yasebhanki yase-US.

Ukubika Ukuthengiswa

Kumele unike ingxelo ngokuthengiswa kwekhaya lakho njengawo wonke umntu, njengokuba uthanda ukuba kwakukhona e-US Kungenxa yokuba iRhafu yaseMelika ihlawulisa abantu bayo kwimali yabo yonke yomhlaba, kungekhona nje into abayifumanayo okanye abaqokelela kuyo.

Kodwa i-Internal Revenue Code inikezela ngokuthe ngqo ukuba ipropati yayikhona ikhaya lakho. Ukuba i-real estate yayiyindawo yokuhlala yakho eyintloko kwaye uhlala kuyo kwaye unayo indlu ubuncinane ezingama-24 kwiinyanga ezi-60 zokugqibela eziphelile ngomhla wokuthengiswa, unganakufaka ngaphandle i-$ 250,000 yeengeniso eziyinkunzi ukusuka kwerhafu. Oku kwenyuka kuma-$ 500,000 kwiingeniso xa utshatile kwaye wena kunye neqabane lakho nifake i-joint joint.

Ukuzuza kwindawo yokuhlala eyimfuneko engaphezulu kwexabiso lokukhutshwa liza kuhlawuliswa njengexesha elide okanye i-short-term gain gain depending on how long you owned property. Inzuzo yangexesha elide isebenza kwiimpahla ezingaphezulu konyaka, kwaye ukuzuza kwexesha elide kuhlawulwa intela ephantsi.

Ukuba indlu yayiyipropati yokuqashisa, kunjalo, kufuneka ubale inzuzo yakho usebenzisa imithetho yokuthengisa izakhiwo zokuqashisa .

Akukho ukukhutshwa kwepropati okanye kwipropati yokuqashisa, kuphela kwiindawo zokuhlala, kodwa unokubamba iindleko ozenzayo ekugcineni indlu kunye nokuqeshisa, kwaye unokukwazi ukubiza ukuhla kwexabiso.

Ngaba Uya kuba neenkokhelo kwilizwe langaphandle?

Kusenokwenzeka ukuba uhlawule irhafu kwintengiselwano kwilizwe apho ipropati ikhona khona ngokwemithetho yerhafu apho, kodwa unokubamba ikhefu lentela apha. Ezi ntlawulo zinokuthi zihlawulwe njengerhafu yengaphandle yerhafu kwi-US yakho yokubuya.

Ngelishwa, awuyi kubanga ityala letyala langaphandle elisekelwe kuyo nayiphi na inzuzo engabandakanyiyo phantsi kwemimiselo ye-Internal Revenue Code Isiqendu 121-i-250,000 $ okanye i-$ 500,000 ngaphandle kokuthengiswa kokuhlala kwakho.

Ezinye izinto

Ngokunika ingxelo yeengeniso zakho kunye naziphi na izibhengezo kwirejista yakho yentlawulo, kufuneka ube neempendulo ezaneleyo zokuqinisekisa ukuba kutheni imali eninzi idluliselwe kwi-akhawunti yakho yasebhanki yase-US. Kufuneka ukhumbule kwakhona ukubika nayiphi na i- akhawunti yebhanki yangaphandle ongayifumana kwi-tax return yakho.

Qaphela: Njalo qhagamshelana neengcali zerhafu malunga nolwazi oluphezulu kunye nolwazi. Imithetho yerhafu kunye nemithetho ingatshintsha rhoqo. Eli nqaku alikho iingcebiso zerhafu kwaye akujoliswanga njengeengcebiso zerhafu.