Kukho ukufumana irhafu yengeniso, irhafu yerhafu kunye neminye imiphumo.
Kodwa "igama elilodwa" ligama eliphambili apha. Le meko inokuhluka uma i-akhawunti yebhanki i-akhawunti edibeneyo kwaye omnye umnini uyafa.
I-Akhawunti ehlangeneyo isebenza njani?
Nge- akhawunti yebhanki edibeneyo , omnye okanye abantu abaninzi banokufikelela ngokugcwele kuyo yonke imali equlethwe kuyo, kungakhathaliseki ukuba ubani ovula i-akhawunti okanye owenza ezininzi okanye zonke iipositi. Aba bantu banokudityaniswa, njengomzali nomntwana omdala, okanye bafanele babe ngabafazi, kodwa akufanele babe. Unokuvula i- akhawunti kunye kunye nommelwane wakho okanye umhlobo wakho omhle xa ufuna. Iingxelo ezidibeneyo zivame ukusekwa phakathi kwabazali kunye nabantwana abadala ukulungiselela iinjongo zocwangciso lwezindlu okanye ukuze umntwana ahlawule ngokulula umrhumo womzali xa umzali engakwazi ukukhubazeka.
Into ebalulekileyo ukuyiqwalasela kukuba nonke unako ukufikelela ngokulinganayo kwiimali, kwaye kunjalo nawuphi na wakho kumboleki. Ukuba ngaba umnini-mlingani weakhawunti yakho ulandelwa ukuba ahlawule ngemboleko, kungenzeka ukuba umbolekisi angathatha yonke i-akhawunti, nangona oku kuxhomekeke kumthetho ngamnye wombuso.
Ama-akhawunti ahlangeneyo namaLungelo okuPhucula
Iingxelo ezininzi ezidibeneyo ziza "namalungelo okusinda," ilungiselelo elithi "abaqeshi ngokubanzi" kwezinye iindawo.
Ukuba omnye wabanikazi be-akhawunti uyafa, lowo osindayo angathatha ubunini bobugcini be-akhawunti nje ngokubonisa isitifiketi sokufa somnini-ntloko esweleyo kwiziko lemali apho i-akhawunti ibanjwe khona.
Iingxelo ezihlangeneyo ngokuqhelekileyo azibandakanyi kwisakhiwo se-probedent's probate , oku kuthetha ukuba imigaqo ye-akhawunti iphakamisa intando yomntu.
Ngokuqhelekileyo akakwazi ukushiya loo mali kunoma ubani.
Ukuba ucinga ukuvula i-akhawunti edibeneyo okanye ukuba sele unayo, jonga kwiziko lemali ukuze ufumane ukuba lithwala amalungelo okuzenzekelayo. Kusenokwenzeka ukuba usayine amaxwebhu angaphezulu ukuze ubonise ukuba yilokho oyifunayo. Kodwa nangona nje ithwala la malungelo, umnini ohlalayo uya kuqhubeka nokufikelela ngokugcwele kwimali nangona umnini-mlingani we-akhawunti ejongene nokuhlola ifa.
Ingeniso yerhafu yeNgeniso yeHlabathi iAgcount Joint
Kukho ityala kunye neminye imiphumo yokufumana i-akhawunti xa umnini-mlingani efa.
Xa uthatha ubunini bodwa be-akhawunti, uya kuba noxanduva ngokupheleleyo ukuhlawula nayiphi na irhafu ezayo ngenxa yengeniso efunyenwe yi-akhawunti emva komhla wokufa. Oku kunokungabi nantoni nge-akhawunti yokugcina imali, kodwa kuninzi kunye ne-akhawunti enotyalo-mali.
Naliphi na imali engenayo efunyenwe yi-akhawunti edibeneyo ngaphambi kokuba uthathe ubunini bodwa buya kuxelwa ngendlela efanayo njengoko kwabikwa ngaphambi kokuba uthathe i-akhawunti. Oku kuthetha ukuba ukuba umnini-fileyo wayexela i-100 yepesenti yengeniso ye-akhawunti ngaphambi kokufa kwakhe kwaye ukuba ezinye iimpahla zakhe zingekho phantsi kweengxaki, imali engenayo ngaphambi kokuba uthathe ubunini bodwa ingabikwa kwingxelo yakhe yokugqibela yentlawulo .
Ukuba ezinye iimpahla zakhe zinokungqinisisa okanye ukuba ushiye ithemba lokuphila, ungase ufune ukusebenza kunye nomphathi wefa lakhe okanye umphathiswa .
Ukuba wena kunye nomnini-fileyo ukwahlula umrhumo werhafu yengeniso, imali engenayo ngaphambi kokuba uthathe ubunini bodwa uza kuxelwa ngokulinganayo kwimbuyekezo yakho yerhafu yengeniso kunye nokubuyiswa kwengxelo yerhafu yokugqibela.
Iziphumo zeNtlawulo zeZakhiwo zeHlabathi iAgithi ye-Akhawunti
Nangona i-akhawunti ayiyi kuhlolwa okanye iyingxenye yendawo yokuhlala ye-probedent, i-akhawunti iya kuba negalelo kwi-estate taxable yayo. Iziza kunye neziza ezihlawulwayo zizinto ezimbini ezihlukileyo.
Ixabiso elipheleleyo lemarike okanye uhla lokufa komhla we-akhawunti edibeneyo iya kufakwa kwixabiso lempahla yomnini-fileyo yeenjongo zokuhlawulwa kweerhafu ukuba umnikazi odibeneyo ayingomntu ohlala naye.
Ipesenti ezingama-50 kuphela zexabiso lemarike elungileyo okanye ibhalansi yokufa komhla iya kufakwa kwixabiso lomnini womnini oshonile ukuba umnikazi odibeneyo ngumlingane ohlalayo.
Kwakhona, ukuba kukho i-probate property, uya kufuna ukubonisana nomphathi . Njengomxholo othile, kodwa ke, iindawo ezinkulu kuphela eziphantsi kweerhafu zepropati kwi-federal level-ezo zixabisekileyo ezingaphezu kwe-11.2 yezigidi ngonyaka ka-2018. Oku kubonisa inani elincinane kakhulu leendawo, ngoko akunakwenzeka ukuba ukhathazeke malunga nabani na ohlawula irhafu yerhafu enxulumene neakhawunti edibeneyo enefa.
Imirhumo yeerhafu yomhlaba ingaba ngaphantsi kakhulu, nangona kunjalo, kwaye iyahluka ngombuso, ngoko uya kufuna ukubonisana nerhafu yendawo okanye umcwangcisi wezabelo ukufumanisa apho umi khona.
Impembelelo yeRhafu yeRhafu yeNzuzo yeAgcount Joint
Intela yentlawulo yipesenti ehlawulwa kwixabiso lempahla yexabiso eliqhelekileyo, eliqhelekileyo elihlawulwa lifa. Ireyithi yerhafu ihlawulwa kuphela ngesipho esithile okanye i-bequest, kwaye iyahlawulwa ngumntu ofumana i-asethi, kungekhona ifa.
Iindaba ezilungileyo kukuba akukho ntlawulo yerhafu kwinqanaba le-federal ukwenzela ukuba oku kungabikho nkxalabo. Kwaye zithandathu kuphela zibeka i-tax tax njenge-2017. Imithetho yombuso apho umnikazi we-akhawunti efa khona uya kuqinisekisa ukuba uya kufuneka uhlawule irhafu yefa kwi-akhawunti. Ireyithi yerhafu ngokuxhomekeka ngokuxhomekeke kwindlela obenxulumene ngayo ngokukhawuleza. Abatshatileyo bahlala bafumana i-tax free. Isihlobo esisondeleyo sihlawula ipesenteji eyancitshisiwe, ngoko uya kuba netyala ngaphantsi ukuba umnini-mlingane we-akhawunti ungumzali wakho. Abaxhamli abanxulumene nabo bahlawula iirhafu eziphezulu.
Ingaba Unakho ukuhlawula nayiphi na i-Bills Final Final Bills?
Impendulo yalo mbuzo yiyo ayiyiyo. Umhlaba we-probedent's probate estate unoxanduva lokuhlawula iindleko zakhe zokugqibela kunye namatyala. I-akhawunti kunye namalungelo okulondoloza idlulileyo iqhubela umhlaba kwaye ihambela ngqo kwi-akhawunti yomnini-akhawunti, ngoko loo mali ayifumaneki kwifa ukuba ihlawule iindleko kunye neendleko zokugqibela.
Okukuphela kwendlela ukuba umnini-mlingani weakhawunti enze ntoni ukuba abhalisele kunye okanye ngaphezulu kwala matyala. Kule meko, umthetho wabathengi uthabatha umthetho wefa. Uya kuba noxanduva lokuhlawula loo matyala athethekileyo ngenxa yokuba uvumelekile ukwenza njalo xa wena kunye ne-decedent uwathatha. Kuyafana nokuba ngaba umnini-mlingani wakho wahlala kodwa wayeka ukuhlawula kuloo akhawunti. Uxanduva lwamatyala luya kutshintsha ngokuzenzekelayo kuwe.