Isiseko sePropati eFuthiweyo singakulimaza ngexesha leRhafu
Iintlawulo eziNkunzi kwiIfa
Ngokuqhelekileyo ukufumana indawo yokuhlala njengelifa kunokuba isipho.
Umqhubi we-estate decedent's estate uya kuxabisa yonke impahla ayenayo ngomhla wokufa kwakhe. Umqhubi uya kudla ngokuxabisa yonke impahla kwakhona emva kweenyanga ezintandathu emva komhla wokufa. Umqhubi unako ukhetha nayiphi na imiphumo yomhla wokuxabisa kwimiphumo encinci yerhafu yezindlu-ixabiso elincinci, elungileyo.
Njengendlalifa, isiseko sakho seendleko kwipropati siza kuba yixabiso elithile lexabiso lemarike kwipropati ngomhla wokuqingqwa kwexabiso , kungekhona intengo yokuqala yokuthenga. Oku kubizwa ngokuthi " ukuqhubela phambili " kwaye yindlela ehle kakhulu yokunciphisa uxanduva lwenkcitho yakho yemali eyinzuzo xa uthe wagqiba ekubeni uthengise loo propati. Ukuba wayenayo ipropati nayiphi na ubude bexesha, mhlawumbi wayehlawula ngaphantsi kwexabiso lemarike elifanelekileyo kunyaka wokufa kwakhe. Okukhulu ukulinganisela, "inzuzo" encinci iyaxhomekeke kwingxowa-mali eyinzuzo xa uthengisa ipropati.
Izindleko zeNtengo kwiZipho
Isiseko sakho seendleko siya kufana nesiseko semali somnikeli ukuba ufumene ipropati njengesipho ngexesha lokuphila kwakhe.
Akukho ndlela yokunyuka. Ukuba uthenge i-$ 65,000 yepropati, yile siseko senkcitho yakho, nangona ukuba le propati ixabisa i-$ 200,000.
Kufuneka uhlaziye "isiseko seendleko zakho" kwipropati kunye, ngenxa yokuba isiseko sakho sinokuncitshiswa ngakumbi nangayiphi na ukuhlaziywa umniki-mali owathethileyo okanye unokuthi uthathe inzuzo yentlawulo.
Kwakhona, isiseko sakho sisezantsi, inzuzo yakho enkulu iya kuba xa uthengisa ipropati. Ukuba ufumana imali engaphezulu kwama-38,600 wama-irhafu njengomhlawuli werhafu omnye ngo-2018, kuya kufuneka uhlawule irhafu yentlawulo kwixabiso kuloo ntlukwano. Lo mbundu ukwanda ukuya kwii-77,200 zamaRandi xa utshatile kwaye uhambisa ngokubambisana, kunye ne $ 51,700 xa ufanelekile ukuba ube yinhloko yendlu. Ngaphandle kwaloo nto, abaninzi abakhokhi berhafu baya kuhlawula ipesenti ezili-15 kwiingeniso-mali ezide kwixesha elide eligcinwe okanye elinamalungelo angaphezu konyaka. Ukuba uthengise ipropati engu-65,000 ye-$ 200,000 yexabiso lemarike elungileyo, kunokubangela ukuba kukho imali yentlawulo yexabiso lentlawulo engaphezulu kwama-20,000.
Ixesha elifutshane elizuzayo
Kwenzekani ukuba ubambelele kwipropati ngaphantsi konyaka? Oko kwenza ukuba i-capital-tax income ihlawulwe kwizinga eliqhelekileyo lentlawulo ngokwebhanki yakho yentela. Iipesenti ezili-12 zonyaka werhafu ka-2018 ukuba ungatshatanga kwaye ingeniso yakho yonke i-$ 38,700 okanye ngaphantsi, ukunyuka kuma-22 ekhulwini kwimali engama-82,500. Amaphesenti angama-24 kwimali engama-157,500, iipesenti ezingama-32 kwimali engenayo ukuya kwii-200,000 zamawaka, kunye neepesenti ezingama-35 kwimali engama-$ 500,000. Emva koko ireyiti yentlawulo engaphezulu kwama-37 ekhutshulwa kuyo. Ngokucacileyo kuyona nto inomdla ukuxhoma kwipropati ngaphaya kwe-benchmarkmark yeenyanga ezi-12 ukuba kunokwenzeka ukuba uvumelekile ukuba ufikelele kwi-zero okanye kwi-15 yeepesenti yexesha elide.
Xa i-Gifting ingaba yinto enhle
Ukulahleka kwendlela yokunyuka kwenzelwa ukunika isipho esincinci kangcono sokutshintshwa kweempahla, kodwa isipho sinokuba isicwangciso esihle kakhulu sokutshintshwa kweengeniso zentengo kumalungu entsapho aphantsi kweerhafu zerhafu . Ilungu lentsapho lifumana imali engama-38,600 ngamawaka ngonyaka ngaphandle kokuhlawula irhafu yengeniso xa yayingatshatanga. Ukufakela ipropati yindlela yokukhetha ireyithi yentela efanelekileyo kakhulu kwiimali-mali ezixabisekileyo phambi kokuthengiswa.
Kwenziwe ntoni?
Ukuba usufumene ipropati njengesipho, unokukhetha ezimbalwa.
Ungakwazi ukugcina isipho. Uya kuba sekhokhini yerhafu xa uthengisa ipropati, kodwa ukuba uyayibamba ide ufe, isiseko siza kunyuka kwaye izindlalifa zakho zingayithengisa kwaye zikhusele ezinye zeentengo ezinkulu.
Unokubuyisela ipropati. Isiseko seendleko zomniki-mali siya kufana nesiseko sakho seendleko, oko kukuthi isiseko sakhe sokuqala seendleko njengoko kulungiswe ukuhlaziywa kunye nezinye izinto ezidluliselwe kuwe xa ekunike yona.
Ngoko ke unokukwazi ukushiya ipropati kuwe njengelifa.
Unako ukunika loo mhlaba umntu. Khetha umntu, mhlawumbi umntwana wakho okanye isihlobo esithile, ongeke abe phantsi kwengxowa-mali eyinzuzo esekelwe kwingeniso yakhe ukuba kufuneka ayithengise. Okanye uyinike inceba. Uthando lunokuthatha yonke inzuzo engenayo irhafu.