Yonke into ezuzayo kwi-home sales yakho mignt ayiyi kuba yinzuzo engenayo irhafu
Akunjalo njalo. Abahlawuli berhafu abaninzi banako ukugcina uninzi-ukuba awunayo yonke loo mali. Ungawukhuphela ngaphandle kwireferensi yakho engenayo ngokusebenzisa ukukhutshwa ngaphandle kweentengiso ezinikezelwa yi-Code Revenue Code.
I $ 250,000 Ukukhutshwa ngaphandle kokuthengiswa kwekhaya eliphambili
Abantu abangatshatanga banokungabandakanyi ukuya kwii-250,000 zama-dollar kwinzuzo ekuthengisweni kwekhaya labo eliphambili. Unako ukukhuphela i-$ 500,000 xa utshatile.
Nantsi indlela esebenza ngayo: Ukuba ungatshatanga kwaye ufumanisa i-$ 200,000 inzuzo ekuthengiseni ikhaya lakho, akudingeki ukuba ubike ingxelo leyo nayiphi imali engenayo. Ingaphantsi kwemali engama-250,000 engabandakanywayo. Ukuba ufumene inzuzo ye-255,000 ye-$ 255,000 okanye ufumane inzuzo, kufuneka ubike i-$ 5,000 njenge-capital gain.
Ewe, imigaqo embalwa isebenza.
Umthetho we-2-Out-Of-5-Year
Ukugxothwa kuxhomekeke kwipropati ehlala kuyo, kungekhona ipropati yotyalo-mali. Kumelwe ukuba wahlala ekhaya ubuncinci babini kwiminyaka emihlanu edlulileyo ngokukhawuleza kwandulela umhla wokuthengisa.
Iminyaka emibini akudingeki ukuba ilandeleke kwaye akufanele uhlale apho ngomhla wokuthengiswa. Unokuhlala kwikhaya unyaka, uyiqeshisele iminyaka emithathu, uze uphinde ubuye kwiinyanga ezili-12.
Iimpawu ze-IRS ukuba xa uchithe ixesha elininzi ngaphantsi kwelo phaya, ikhaya liyafaneleka njengendawo yokuhlala eyintloko.
Ungasebenzisa lo mgaqo woku-2-ngaphandle kweminyaka emi-5 ukuba ungabandakanyi iprojekthi yakho rhoqo xa uthengisa ikhaya lakho eliphambili, kodwa oku kuthetha ukuba unokubango ukukhutshwa kanye kuphela kwiminyaka emibili kuba kufuneka uchithe ubuncinane ixesha elininzi kuhlala.
Awunakukhuphela ngaphandle inzuzo kwenye indlu kwikhaya eliyiminyaka emibili yokugqibela.
Ngaphandle kwe-2-Out-of-5 Rule Rule
Ukuba uhlala kwindlu yakho ngaphantsi kweenyanga ezingama-24, unokukwazi ukukhupha okungenani inxalenye yentlawulo xa ufanelekele enye yeemeko ezikhethekileyo. Ngoko ke ungabalwa ukukhutshwa okukodwa ngokusekelwe kwisixa sexesha ohlala kuzo khona.
Bala iinyanga ohlala kuzo uze uhlule inamba nge-24. Phinda ubale i-$ 250,000 okanye i-$ 500,000 xa utshatile. Isiphumo sixa semali onokuyifumana ngaphandle kwerhafu yakho engenayo.
Ngokomzekelo, mhlawumbi uhlala ekhaya lakho iinyanga ezili-12, ngoko kufuneka uthengise ngesizathu esifanelekileyo. Awutshatile. Iinyanga ezililishumi elinambini ezahlukana ngeenyanga ezingama-24 ziphuma .50. Yandisa le nto ngokugqithiswa kwee-250,000 zamaRandi. Isiphumo: Ungabandakanywa ukuya kwii-125,000 okanye i-50 ekhulwini yenzuzo yakho.
Ukuba inzuzo yakho ingaphezu kwama-125,000, uya kuquka kuphela imali engaphezu kwe-125,000 yeeRhafu njengemali engenayo engenayo kwi-tax return yakho. Ukuba ufumene i-$ 150,000 yokufumana inzuzo, uya kubika kwaye ukhokhe irhafu kwi-$ 25,000. Ukuba inzuzo yakho ilingana okanye i ngaphantsi kwama-125,000, ungabandakanyi yonke imali evela kwingeniso yakho engenayo.
Iimpawu ezifanelekileyo zokuhlala kwiindawo zokuhlala
Akunakufuneka ubale ukungabikho kwexeshana ukusuka ekhaya ngaphandle kokuhlala apho. Uvumelekile ukuba uchithe ixesha elide kwiholide okanye ngenxa yezizathu zoshishino ekucingeni ukuba usalondoloza ipropati njengendawo yokuhlala kwaye uzimisele ukubuyela apho.
Kwaye ukuba unokwenjenjalo ukuhamba, unokufanelekela ukukhutshwa okukodwa. Ukuba uhlala kwindlu yakho engaphantsi kweminyaka emibini, unganakubeka ngaphandle inxalenye yentlawulo yakho ukuba indawo yakho yomsebenzi ishintshile. Oku kungasetyenziswa xa uqale umsebenzi omtsha okanye ukuba umqeshi wakho wangoku ufuna ukuba uhambe kwindawo entsha.
Ukuba uthengisa indlu yakho kwizonyango okanye izizathu zempilo, zibhale ezi zizathu ngetekisi evela kumgqirha wakho. Oku, kwakhona, kukuvumela ukuba uhlale ekhaya elingaphantsi kweminyaka emibini. Akukufuneka ufake iileta ngokubuyiswa kwentela yakho, kodwa yigcine ngeirekhodi zakho zangoku nje xa i-IRS ifuna ukuqinisekiswa.
Uyakufuna kwakhona ukubhala phantsi naziphi na imeko ezingalindelekanga ukuba uzithengise ikhaya lakho ngaphambi kokuba uhlale khona ixesha elifunekayo. Ngokutsho kwe-IRS, imeko engalindelekanga "yenzeke isiganeko ongenakukwazi ukuqikelela ukuba ungathenga nokuhlala ekhaya lakho eliphambili," njengeentlekele zemvelo, utshintsho kwingqesho yakho okanye ukungasebenzi kwakho okushiye ungakwazi ukuhlangabezana neziphambili iindleko zokuhlala, ukufa, umtshato, okanye ukuzalwa ngokubanzi ukusuka ekukhulelweni okufanayo.
Amalungu enkonzo esebenza ngokusebenzayo ayithobeli phantsi kolawulo lokuhlala. Bangakwazi ukuwususa umgaqo ukufikelela kwiminyaka eyi-10 ukuba ngaba "kwi-ofisi eyongezelelekileyo yaseburhulumenteni." Oku kuthetha ukuba urhulumente uyalela ukuba uhlale kwizindlu zorhulumente ubuncinane ubuncinane iintsuku ezingama-90 okanye ixesha elide ngaphandle komhla othile wokuphela. Uya kufaneleka ukuba uthunyelwe kwisikhululo somsebenzi esingama-50 okanye ngaphezulu ukusuka kwikhaya lakho.
Umthetho wobuNini
Kufuneka ube nepropati ubuncinane ubuncinane kwiminyaka emihlanu edlulileyo. Unako ukuzibamba ngexesha apho ungahlali khona okanye uhlala khona ixesha elide ngaphandle kokungenayo. Iminyaka emibini yokuhlala kunye neminyaka emibini yobunini akumele idibeneyo.
Usenokuba uqeshisa ikhaya lakho kwaye wahlala khona iminyaka emithathu, ngoko uthenge kuyo umninikhaya wakho. Uthe wabuyela ngokukhawuleza waza wawuqashisela omnye umntu, ngoko uthengisa iminyaka emibini kamva. Udibene nobunikazi kunye nomthetho wokuhlala kweminyaka emibini-uhlala apho ngenxa yesithathu kwaye ube neenkunzi ezimbini.
Amalungu eNkonzo angayinqumla lo mgaqo kunye nokufikelela kwiminyaka eyi-10 ukuba ngaba basebenze ngokusemthethweni umsebenzi owandisiweyo.
Abathengi abatshatileyo
Abahlawuli berhafu abatshatileyo kufuneka bafake iifom zokubambisana ukuze babange ukungabikho, kwaye bobabini kufuneka bahlangabezane nomgaqo wokuhlala u-2-ngaphandle-5 wobudala nangona bengenakuhlala kwindawo yokuhlala ngexesha elinye. Umlingani omnye kufuneka ahlangane novavanyo lomnini.
Ukuba elinye iqabane lifa ngexesha lobunini kunye nomsindisi akazange aphinde aphinde aphinde asebenze, unokusebenzisa umhlala-phantsi womntu oshonile kunye nexesha lobunini.
Ukutshatyalaliswa kwabathengi
Ubunikazi bakho bokuqala bekhaya kunye nexesha elihlala ekhaya lingaba njengeyakho xa ufumanisa ipropati ngokuqhawula umtshato. Ungongeza ezi nyanga kwixesha lakho lobunikazi kwaye uhlala khona ukuze uhlangabezane nobunini kunye nemithetho yokuhlala.
Ukubika Ukufumana
Ukuba uqaphela inzuzo ngaphezu kwemali yokukhutshwa okanye awufaneleki, imali engenayo ekuthengisweni kwekhaya lakho ichazwe kwiShedyuli D njengenzuzo enkulu . Ukuba unayo indlu yakho ngomnyaka owodwa okanye ngaphantsi, inzuzo ibikwa njengenzuzo yesikhashana. Ukuba unayo iminyaka engaphezu konyaka, ibikwa njengenzuzo yenkcitho ende.
Iifutshane zexesha elifutshane zihlawuliswa ngezinga elifanayo njengengeniso yakho rhoqo ngelixa amaxabiso ekuzuzeleni kwexesha elide athelekayo: i-zero, i-15 okanye i-20 ekhulwini, kuxhomekeke kwibakethi yakho yentela.
Ukugcina iirekhodi ezichanekileyo kubalulekile. Qinisekisa ukuba umthengisi wakho uyazi ukuba unelungelo lokukhutshwa xa ukwenza, unikezela ubungqina ukuba kuyimfuneko. Ngaphandle koko, kufuneka akukhuphe ifom ye-1099-S kwaye uthumele ikopi kwi-IRS. Oku akukuthinteli ekumangaleleni ukukhutshwa ngaphandle kodwa kunokunyanzelisa izinto.
Ukuba ufumana ifom ye-1099-S, kufuneka uxelele ukuthengiswa kwekhaya lakho ngokubuyela kwerhafu. Qhagamshelana neengcali zerhafu ukuqiniseka ukuba ungathathi irhafu xa ungenayo.
Ukubala iSiseko sakho seNdleko kunye nokuNikwa kweNkunzi
I-formula yokubala inzuzo yakho ibandakanya ukukhupha isiseko seendleko kwixabiso lakho lokuthengisa.
Qala ngeento ozihlawulele ekhaya, wongeze iindleko ozenzileyo ekuthengeni njengesihloko kunye neendleko zokuhlawula kunye ne- ejenti ye-arhente yezindlu . Ngoku kongeza iindleko zezo ziphuculo eziphambili ozenzayo, njengokutshintshwa kwephahla okanye isithando somlilo. Uxolo, ukudweba igumbi lentsapho alibala.
Ukukrazula nayiphi na ukwehla kwexabiso eliye lalithatha kwiminyaka, njengokungathi uthathe i-ofisi yokuncitshiswa kweofisi. Inombolo ekhuphayo iyisiseko sakho seendleko.
Inzuzo yakho yentengo yayiza kuba intengo yokuthengisa yekhaya lakho ngaphandle kwesiseko sakho seendleko. Ukuba yinombolo engalunganga, ulahlekelwe. Ngelishwa, awukwazi ukususa ilahleko ekuthengisweni kwekhaya lakho eliphambili.
Ukuba inani eliphumayo lihle, wenza inzuzo. Susa ixabiso lokukhutshwa kwakho kwaye ibhalansi yintlawulo yakho yokuhlawulwa.