Ezinye iindleko zingongeza kwixabiso lakho kunye nokunciphisa i-capital gain
Oku kuthethi, inzuzo yakho ingaba ngaphezu kokukhutshwa okanye ipropathi ongeke uyifanele. Oku kunokukushiya uzibuza ukuba yintoni-ukuba nayiphi na iindleko ezinxulumene nokuthengiswa kweerhafu zichithwe.
Isiseko sakho seNkcitho kunye neNtlawulo yeNgeniso yeMali
Ungabandakanya zonke iindleko zokuthengisa ngeendleko zekhaya lakho. Isiseko sakho seendleko sisisuswe kwixabiso lokuthengisa ukuqikelela ukuba inzuzo engakanani-okanye kwezinye iimeko ilahleko-uyenzile.
Ukongeza iindleko kukwandisa isiseko sakho seendleko, kunye nexabiso eliphezulu liyanciphisa inzuzo yakho. Ukuba unenzuzo encinci, unako ukuwela ngaphakathi komda wokukhutshwa, kwaye ukuba inzuzo yakho ayifakiwe, uya kuhlawula irhafu ngaphantsi. Yinto enhle ngayo yonke indlela.
Unokukrazula nayiphi na iindleko ezifanelekileyo kunye neyesiko ukuze udayise indlu yakho, kuquka zonke ezo ntlawulo ozihlawulayo ekuvaleni kunye naluphina uphuculo olulungisa ubomi obuncedo bendawo.
Iindleko ezininzi ezinxulumene nokucwangcisa ipropathi yokuthengisa nokuthengisa ziyakwanelungelo lokuncitshiswa. Icandelo loLungiso loMgangatho we-IRS Upapasho 523 unikezela uluhlu olupheleleyo lweenguqu ezinokuthi ungenza kwisiseko sakho seendleko ngokungongeza ezi ndleko.
Gcina zonke iirisithi zakho ukuze ungayiboni nto.
UkuKhutshwa kweNdlu yokuThengiswa kweNdleko kwiNkunzi yeNtlawulo yeNgeniso
Uninzi lwabantu alufanele lusixhala malunga nokuhlawula irhafu yerhafu xa bethengisa amakhaya abo ngenxa yokuba izibini ezitshatileyo zingabandakanyi ukuya kwii-500 000 zeenzuzo kunye nabahlawuli berhafu abangabodwa bangabandakanywa ukuya kuma-250,000.
Ewe, njengokuba kukho ezininzi izinto ezinxulumene nentlawulo, kukho imigaqo efanelekileyo.
Bobabini abatshatileyo-okanye omnye umhlawuli-ntlawulo xa engatshatanga-kufuneka ahlale ekhaya ubuncinane ubuncinane kwiminyaka emihlanu edluleyo ngaphambi kokuthengisa. Kumele ube ngumnikazi wepropati ubuncinane ezimbini kwiminyaka emihlanu. Izibalo ze-IRS zenza ukuba indawo yakho yokuhlala.
Ukuba utshatile kwaye uthumela ukubuyisana okuhlangeneyo, kuphela omnye kuni kufuneka adlule uvavanyo lobunini.
Akufanele ube nekhaya kwaye uhlale kuyo ngexesha elifanayo. Usenokuba uhlala ekhaya njengomqeshi okwesikhashana ngaphambi kokuthenga. Akunakufuneka uhlale apho ngexesha lokuthengisa. Ixesha lakho lokuhlala iminyaka emibili linokuthi lenzeke nangaliphi na ixesha xa lide liphakathi kwelo xesha leminyaka emihlanu.
Ukuba unomninimzi-mzekelo, uthenge loo propati nomnye ongatshatanga-ngamnye unokuthatha ukukhutshwa kwakhe kwe-$ 250,000.
Kukhona enye yokugqibela yokubamba: Wena-okanye wena okanye iqabane lakho okanye umnini-mlingane-awukwazi ukumangalela ukufumana inzuzo ekuthengiseni kwelinye ikhaya phakathi neminyaka emibini kwangoko kulandelelaniswa kwindlu.
Yintoni eThatyathwa Njengexesha elide?
Naliphi na inzuzo oyifumayo ngenxa yemali yokukhutshwa iya kubhatalwa njengenzuzo yenkxaso-mali eninzi ukuba unayo indlu iminyaka engaphezu konyaka.
Ingeniso yerhafu kwiingeniso zexesha elide i-0 yeepesenti, iipesenti ezili-15, okanye iipesenti ezingama-20 kuxhomekeke kwiyiphi i-bracket tax tax.
Abaninzi abakhokheli berhafu bahlawula irhafu yexabiso lentlawulo kwi-pesenti ye-15-pesenti, ngoko unokufuna ukubeka eceleni iipesenti ezili-15 zentlawulo yakho ehlawulwa irhafu kwi-IRS ukuba awufaneleki ukukhutshwa ukuba inzuzo yakho ikhulu kunokukhutshwa.
Impembelelo yeRhafu kaRhulumente
Khangela kwixabiso lentlawulo yexabiso lentlawulo kwizinga lakho. Naliphina irhafu yombuso omele uyihlawule ngokuthengiswa kwendlu ayiyi kunciphisa inzuzo yakho, kodwa ungayibandakanya ubuncinane kunye nezinye iirhafu zorhafu ozifunayo kwiShedyuli A ukuba uthe wahlutha imali yakho .
Ukuncitshiswa kwakho kuncinci ku-R10 000, nangona kunjalo, ukuqala ngo-2018, kwaye le ntlupheko isebenza kwiirhafu zerhafu ezihlawulwa kwilizwe lakho nakwiirhafu zendawo.
Unokukhipha kuphela i-$ 10,000 yenani xa udibanisa ndawonye.
Ukuba unomhlaba ongaphantsi konyaka, inzuzo yexesha elifutshane kwaye ayiyi kuba nelungelo lokukhutshwa ngenxa yokuba awuyikuhlangabezana nemithetho yokuhlala okanye yobunini. Olu hlobo lwenzuzo luhlawuliswa kwiirhafu eziqhelekileyo zerhafu kunye neminye imali engenayo. Ngamanye amagama, uya kuhlawula ngokukodwa ipesenteji nayiphi na ibhakha yerhafu oyenayo emva kokuba uthathe zonke iikhredithi zerhafu ezikhoyo kunye nokuncitshiswa.
Kuthiwani Ngezixhobo Ezihlukeneyo?
Kwenzeka ntoni ngefriji yekhaya kunye nazo zonke ezinye izixhobo? Ezi zibonwa zihlukileyo ukusuka kwindlu yakho. Ukuba uthengisa ngokwahlukileyo, kunokwenzeka ukuba uza kwenza oku ngaphantsi kwezinto ozihlawulele zona. Ngelishwa, ukuba uthabatha ilahleko-kwaye mhlawumbi uya kuba-lehleko ayiyikho inkokhelo yentlawulo.
Unako ukubuyisela imali ngokuthengisa, nangona kunjalo. Ukuba izixhobo zisebenza ngokutsha, kufuneka ukwazi ukumba iirisithi kwixabiso lokuthenga. Ukuba izixhobo zisebekhulile, zisenokuba nexabiso elithile, kodwa unokufumana ingcamango yexabiso lemarike elungileyo ngokuphequlula ngezaziso ezikhethiweyo zendawo, eBay okanye kwi-craigslist yezixhobo ezifanayo.
Ngokuqinisekileyo, imali eyimali ibhekisela kwingeniso ehlawulwayo, ngokunjalo, ukuze ufune ukuzinyamezela ngokugqithiseleyo ngokubandakanya nabo kwindlu yentengiso.