Indlela yokufumana ilungelo lokukhutshwa kwentlawulo kwi-home tax.
Umthetho Omdala:
Kuze kube ngo-1997, xa usufikelele kwiminyaka engama-55 ubudala, ube nekhetho elilodwa lokungabandakanyi ukuya kwii-125,000 zeenzuzo zokuthengiswa kwekhaya lakho ukubonelela ukuba kwakukuhlala kwakho okuphambili.
Umgaqo omtsha:
Ngoku, nabani na, kungakhathaliseki ubudala, bangabandakanywa ukuya kwii-250,000 zamaRandi okanye i-$ 500,000 kwisibini esitshatileyo esibandakanya ngokuthengiswa kwekhaya.
Oku kuthetha ukuba abantu abaninzi abayi kuhlawula irhafu ngaphandle kokuba bahlala khona ngaphantsi kwe-2 kwiminyaka emihlanu edlulileyo
Ngubani ofanelekileyo kwiRhafu yeNtlawulo xa iThengisa ikhaya labo?
Ukuze ufanele ukufumana ukuhlawulwa kweerhafu ngokutsha kwintengiso yakho ekhaya, kufuneka uhlangabezane neemfuno ezilandelayo ze-IRS.
- Unomntu ubuncinane ubuncinane iminyaka emi-2. (uvavanyo lobunini)
- Wahlala ekhaya njengekhaya lakho eliphambili ubuncinane iminyaka emi-2. Olu luvavanyo lokusetyenziswa. Ukuba uceba ukurenta ikhaya lakho inxalenye yonyaka, funda olu vavanyo lokusetyenziswa ngokucophelela. Isixa senzuzo onokuyikhetha ngaphandle kwerhafu sinokulinganisela ukuba ungayisebenzisa kangakanani ngokuyichitha.
- Ngexesha eli-2 leminyaka eliphela ngomhla wokuthengiswa, awuzange ufake ngaphandle kwintengiso ekuthengiseni kwelinye ikhaya.
Ungasebenzisa ukufumana inzuzo enkulu ekukhuseleni ukukhusela irhafu kwintengiso yekhaya ngokuphindaphindiweyo.
Ukuzuza okanye Ukulahlekelwa Kukho njani?
Bala i-capital benefit kwikhaya lakho ngokuthatha intengo yokuthenga yasekhaya yokuqala kwaye ususe nayiphi na indleko yokuthengisa, ngaphandle kwexabiso lesiseko.
(oko uhlawulele ikhaya kunye neendleko zalo naluphi na uphuculo lwekhaya olulungeleyo.)
Ngokomzekelo, masithi ukhokhele i-$ 100,000 kwaye uchithe imali engama-20,000 kwiingongeza. Isiseko sakho seendleko ngu-$ 120,000. Emva koko uthatha intengo yakho indlu ithengisa ngaphantsi nawaphi na amashishini. Masithi indlu yakho ithengisa ii-250,000 zamaRandi kunye nee-commissions kunye nemirhumo ibe yi-$ 6,000.
Ufumana i $ 244,000. Ukwahlula phakathi kwe-$ 244,000 kunye ne-$ 120,000 yintlawulo yakho. Ukuba uhlala ekhaya iminyaka emi-2 eyadlulayo, kwaye udibana nezinye iimfuno, awuyi kuhlawula irhafu kule ntlawulo.
Ukuba unelahleko-okuthetha ukuba ikhaya lakho lixabiso elingaphantsi kwezinto ozihlawuleyo - awufumani ilahleko njengokwehliswa kwentlawulo.
Kuthekani Ukuba Unayo imali engaphezulu kwama-250k (i-$ 500k xa utshatile)?
Uya kuba neerhafu yerhafu ngenani lemali engenayo ngaphezulu kwama-250,000 okanye i-$ 500,000 xa utshatile. Olu hlobo lwenzuzo lukarhoxiswa kwizinga lokuhlawula irhafu . Ukuncedisa ukunciphisa inani lemali ehlawulwa irhafu, gcina iirisithi kunye neirekhodi zaluphi na uphuculo olwenziwe ekhaya. Ezinye iintlobo zokuphucula ikhaya zingongezwa kwixabiso lakho, kwaye kuya kunciphisa inani lexabiso elibiweyo.
Kuthiwani Ukuba Awuzange Ube Nawe kwaye Uhlala Kwikhaya Ngamabini Emibini?
Ukuba unayo indlu engaphantsi komnyaka owodwa, nayiphi na inzuzo ngaphezu kwexabiso elingabandakanyiyo lihlawuliswa kwisantya esiya kufana nesilinganiso sakho sentlawulo epheleleyo. Ukuba unayo ikhaya elide kunomnyaka owodwa, isantya sentlawulo yexabiso lentlawulo iya kusebenza, okuya kuba yinto ephantsi kunezinga lakho lokuhlawula irhafu .
Indlela yokusebenzisa i-Equity Ekhaya yasekhaya engenakho iRhafu ukuqokelela umnotho weRhafu
Kungenzeka ukusebenzisa ukukhutshwa kweerhafu kwiingeniso zokuqokelela ifa lempahla yomhlalaphantsi.
Umzekelo, omnye umntu othile wayengumakhi wasekhaya, kwaye yonke iminyaka emibini, wathenga umhlaba waza wakha intsapho ikhaya elitsha. Ngokukhawuleza xa befudukela kwikhaya elitsha, wayeza kuthengisa ikhaya elidala kwaye asebenzise enye yemali engenayo irhafu ekuthengisweni kwelo khaya ukuqala ukwakha olandelayo.
Nangona ukuhambisa yonke iminyaka emibini akuyena wonke umntu, kwaye kwabavumela ukuba baqokelele ixabiso lempahla yerhafu. Yonke iminyaka emibini babeza kusebenzisa ezinye zeentlawulo ezingenaserhafu ekwakheni ikhaya elilandelayo baze bafake ezinye kwiakhawunti yakhe yokutyalomali.
Umngcipheko kwesi si cwangciso: ngamaxesha apho ixabiso lexabiso lexabiso lithe lahla, le cwangciso ayiyi kusebenza. Unokuba unamathela amabini amabini iminyaka emininzi de iyakhweba.
Ikhaya lakho mhlawumbi lixabiso lakho elixabisekileyo. Kuyavuya ukwazi ukuba xa ekugqibeleni uthengisa, ininzi inzuzo oyenzayo ayiyi ku-IRS.