Ngoko ke, kuthathwa njengento yentengiso kunye nesipho sesahlulo.
Uninzi lwabantu ababuza le mbuzo bacinge ukuba ukuthengiswa okunjalo kuya kunceda ukuphepha ifa kunye neerhafu zerhafu. Nangona kunjalo, ifa kunye neerhafu zerhafu kwipropati kuxhomekeke ekubeni ngaba umthengisi / umnikeli uyaqhubeka nokusebenzisa loo propati.
Isimo esisodwa: Intengiso ayisebenzisi ukuthengiswa kwePropati yePropati
Masithathe ityala elilula kuqala. Umnini woqobo uthengisa ikhaya lakhe le-$ 200,000 nge $ 1 kwaye akasasebenzisi okanye uhlala kuloo propati. Isixa esisele se $ 199,999 asibaleki intela yokudlulisa i-federal ngenxa yokuba i-IRS ithatha i-$ 199,999 njengesipho. I-$ 14,000 yerhafu yokunikezelwa kwerhafu iyasetyenziswa kwaye isipho esingaphezu kwe-14,000 iqala ukusebenzisa i-$ 5.43 yezigidi zemali ezixhasayo. Ukukhululwa kuphezulu kangangokuba abaninzi abantu abanakukhathazeka ngale nto.
Ilifa lombuso kunye neenjongo zerhafu yexabiso, umphumo uya kuxhomekeka ekubeni ingaba urhulumente ulandela irhafu ye-federal tax, okanye inemithetho yayo.
Xa ipropathi idluliselwa ngesipho, ummkeli uthatha iindleko zerhafu yengeniso okanye isiseko. Ukusebenzisa umzekelo wethu ngasentla, ukuba umthengi uthengisa indlu i-$ 200,000 kwaye indleko yendlu yayingama-$ 50,000, ngoko ummkeli kufuneka abike kwaye ahlawule irhafu kwi-capital $ 150,0000. Ayikho imbono engcono.
Ukuba umnikeli wayebambelele kwipropati kwaye yayifakwe kwifa lakhe, bekuza kuba yinyathelo-mali kwiholo lokufumana umvuzo, kwaye ukuba ipropathi ithengiswa ngomhla- xabiso lokufa-mali , akukho nzuzo enkulu yokuhlawula irhafu.
Iimeko ezimbini: Umthengisi uyaqhubeka nokuSetyenziswa kweSithuba sePropati
Ngoku kwimeko enzima. Sifumana isiphumo esihlukile ukuba umnini-ntlandlolo wendlu uyaqhubeka nokusebenzisa indlu emva kokuba uthengise i-$ 1 kunye ne-199,999. Ukuhlawulwa kweerhafu zomhlaba, ukuhlala ngokuhlala kweendawo kubangela ukuba ixabiso elipheleleyo lepropati lifakwe kwi- estate estate kwaye ihlawulwe irhafu. Amagunya erhafu athembisa ukuba indawo yokuhlala ngokuqhubekayo yepropati yayiyinxalenye yolu daba.
Ngamanye amazwi, kukho ukuqonda phakathi kwamaqela amabini ahamba into enje: Ndiza kukuthengisa indlu yam idola enye, kodwa uya kundivumela ukuba ndihlale kuyo ngokude ndifuna. Nangona oku kuqondwa akubhaliweyo, izikhulu zerhafu zigcinwe ngempumelelo ukuba isivumelwano sikhona kuba, oko kunjalo, oko kwenzeka. Akuyiphumo elibi kuba ukhumbule, kukho ukukhutshwa kwe-$ 5.43 kwerhafu ye- federal tax tax ($ 5.45 yezigidi ngonyaka we-2016).
Abanye abantu bacinga ukuba ukuhlawula irente liyimpendulo. Oku akusayi kunceda. Umgaqo oqhelekileyo kukuba xa nayiphi na impahla ishukunyiswa ngexesha lobomi, kwaye umntu othe wahambisa loo propati ugcina ingeniso kwipropati okanye ukusetyenziswa kunye nokuhlala kwipropati, ngoko ke inani elipheleleyo lepropati ehanjisiwe lifakwe kwifa lomthengisi.
Kukho okungafaniyo. Ukuba ukutshintshwa kwepropati kwakungeniso elipheleleyo, oko kukuthi, ukudluliselwa kwakuye kuthengiswa kwaye umtshintshisi wathola enye impahla okanye imali elinganayo nexabiso elithile lemarike elifanelekileyo lepropati. Ukuhlawula irenti akuyixabiso elipheleleyo lokutshintshwa. Kungabaluleka ukusetyenziswa kunye nokuhlala, kodwa oko akunakunceda umbuzo werhafu wezindlu.
Kukho ubuchule bokucwangcisa iindawo ezibandakanya ukutshintsha isihloko kwiindawo zokuhlala.
Qinisekisa ukuba ufumana iingcebiso ezifanelekileyo kwiingcali ngaphambi kokuba uzame naluphi na u-cwangciso lwakho lwezindlu.