Ungafaki umvuzo wangaphandle kwiintlawulo zase-US usebenzisa Ifomu 2555
Kufuneka usebenze uze uhlale ngaphandle kwe-US kwaye udibana ne-Bona Fide Resident okanye uvavanyo lwePhysical Presence.
Ukuba wenza, uvumelekile ukuba ungabandakanyi ukuya kuma-102,100 wemali kwimali engenayo yangaphandle kwiminyaka yerhafu ka-2017. Isixa sokutshintshwa kwonyaka ngamnye, ngokunyuka kwanda.
Uvavanyo lweBone Fide Residence
Uthiwa "ungumhlali ohleliyo" welizwe lasemzini ukuba uhlala kweli lizwe "ixesha elingaphazamisekiyo oluquka unyaka wonke werhafu." Unyaka werhafu nguJanuwari 1 ukuya kuDisemba 31, ngoko ixesha elifanelekileyo lokuhlola uvavanyo lokuhlala kufuneka libandakanye unyaka opheleleyo wekhalenda.
Uhambo olufutshane okanye ikhefu ngaphandle kwelizwe langaphandle aliyi kuphazamisa isimo sakho njengendawo ehlala kuyo ngokude nje ukuba uhambo lufutshane kwaye uzimisele ukubuyela kwelizwe langaphandle. Unokwenza ukhenketho olufutshane kwi-US
Awuthathwa njengomntu ohlala kwilizwe lasemzini ukuba uyithumele ingxelo kwilizwe elibonisa ukuba awuhlaliyo kwaye urhulumente apho uzimisele ukuba awuhambisani nemithetho yerhafu.
Ngamanye amagama, akukho ukudibanisa kabini. Ingeniso yakho ayinakukhutshwa kokubili kwilizwe langaphandle nakwi-US
Unyango olukhethekileyo lwenkokhelo phantsi kwesivumelwano serhafu yengeniso ayikuthinteli ukuba uhlangane nolu vavanyo lwendawo yokuhlala.
Uvavanyo lwePhysical Presence
Uqwalaselwa ngokwenyama kwilizwe langaphandle ukuba uhlala apho ubuncinane kwiintsuku ezili-330 ezipheleleyo kwiinyanga ezili-12 ezilandelelanayo.
Ungaphila kwaye usebenze nawuphi na inani lamazwe angaphandle, kodwa kufuneka ube khona ngokwenyama kulawo mazwe ubuncinane iintsuku ezingama-330. "Usuku olupheleleyo" iiyure ezingama-24, ngoko ke iintsuku zokufika kunye nokuhamba kwilizwe lasemzini ngokuqhelekileyo azibalanga ngokuvavanywa kovavanyo lwangaphandle.
Ixesha elifanelekileyo liyakwenzeka kwiphina inyanga ezili-12 ezilandelelanayo, ngoko ke lo mgaqo unyanzelekile kwaye ungase ube lula ukuhlangabezana novavanyo lweBone Fide Residence.
Akudingeki ukuba uqale ixesha lakho elifanelekayo ngosuku lwakho lokuqala kwelinye ilizwe. Unokukhetha iinyanga ezili-12 zokusebenzisa. Ininika inkululeko yokukhetha iinyanga ezili-12 ezinika inzuzo enkulu kunayo yonke. Zomibini iintsuku kunye neentsuku zoshishino ezisetyenzisiweyo kwilizwe lasemzini libala ngokujongana nomyinge weentsuku ezingama-330. Ukuhamba ngaphandle kwelizwe ngokubanzi ngeke kuphazamise imfuno yeentsuku ezingama-330.
Ukulungiswa Ngenxa yeemeko ezimbi
Iimfuno ezimiselweyo zexesha zombini ukuhlolwa kwezinto ezifanelekileyo kunye nokwenyama kungaxoshwa, kodwa kuphela xa unyanzelekile ukuba ushiye ilizwe langaphandle ngenxa "yemfazwe, imibambano yoluntu okanye iimeko ezinjalo ezimbi." Ufanele ukwazi ukubonisa ukuba uza kudibanisa iimfuno zexesha ukuba le miba engathintekanga ingaphazanyanga indawo yokuhlala.
Iintlobo zeNgeniso apho Kukhutshwa isicelo
Ukungekho kwamanye amazwe okwenziweyo ukufumana ukungeniswa kwemali kusebenza kuphela kwimali engenayo ngenxa yokuqhuba iinkonzo njengomqeshwa okanye njengonkontileka ozimeleyo. Imali engenayo ithetha umvuzo, umvuzo, iirhafu zemfundo kunye nezinye iimali ezifunyenwe njengembuyekezo kwiinkonzo zomntu. Ingeniso yokufumana umsebenzi ingakwazi ukufumana ukungeniswa kwamanye amazwe.
Kuphi na irhafu iRhafu engenayo?
Abangaphandle bafumana ukungeniswa kwemali ngaphandle kwemali engenayo evela kwingxowa yerhafu yomthetho. Ezinye iintlobo zengeniso ayinakukhutshwa ngaphandle kokusebenzisa eli lungiselelo. Ukuxothwa akunciphisi irhafu yengqesho , indlela abantu abaqeshwe ngabanye abahlawula ngayo kwiNtlawulo yabo yoLuntu kunye noTyardare.
Ukuthintela njani ukuKhutshwa kweNtela?
Abathengi abathi bangaphandle bafumana imali yokungeniswa kwemali baya kubhatala irhafu ngesantya esiya kufaka isicelo ukuba abazange bathi bangabikho.
Ngamanye amazwi, irhafu yengeniso ye-federal ibalwa ngokuqala ngokulinganisa inani lemali yengeniso kwingeniso yakho yonke ngaphambi kokuthatha ukungeniswa kwamanye amazwe. Emva koko unokukrazula irhafu njengoko kubalwa kwimali yengeniso yangaphandle engenakunyulwa. Isiphumo sixa semali yakho yerhafu yengeniso. Ungasebenzisa iphepha lokusebenzela leRhafu leNgeniso eliFinyelelweyo langaphandle elifunyenwe kwiiNkcazo zeFom 1040 ukuba ufuna uncedo.
Ukukhutshwa okuphezulu
Imali yomvuzo wangaphandle kunye nomvuzo ohlawula irhafu unokungabandakanyi ngonyaka ngamnye umlinganiselo wenkcitho yangaphandle yangaphandle okanye umyinge wama-dollar angaphezu kweyonke, nangona kuncinci. Ukungeniswa kwemali kwamanye amazwe okwenziweyo ukulungiswa kwengeniso kuye kwahlengahlengiswa ngamnye ngonyaka ukwenzela ukunyuka kwamanani kwi- Internal Revenue Service ukususela ngo-2006. Ukukhutshwa kwe-$ 102,100 kwinyanga yerhafu ka-2017. Ukuba unemali engenayo yangaphandle kwiminyaka edlulileyo, imida yayiyi:
| Ukukhutshwa kweNgeniso yeMali eNgaphandle | ||
| Unyaka weRhafu | Isixa | Umthombo |
2016 | $ 101,300 | Inkqubo yeNgeniso 2015-53 (PDF) |
| 2015 | $ 100,800 | Inkqubo yeNgeniso 2014-61 (PDF) |
| 2014 | $ 99,200 | Inkqubo yeNgeniso ye-2013-35 (PDF) |
| 2013 | $ 97,600 | Inkqubo yeNgeniso 2012-41 (PDF) |
| 2012 | $ 95,100 | Inkqubo yeNgeniso ka-2011-52 (PDF) |
| 2011 | $ 92,900 | Inkqubo yeNgeniso 2010-40 (PDF) |
| 2010 | $ 91,500 | Inkqubo yeNgeniso ka-2009-50 (PDF) |
| 2009 | $ 91,400 | Inkqubo yeNgeniso ka-2008-66 (PDF) |
| 2008 | $ 87,600 | Inkqubo yeNgeniso ka-2007-66 (PDF) |
| 2007 | $ 85,700 | Inkqubo yeNgeniso 2006-53 (PDF) |
| 2006 | $ 82,400 | Inkqubo yeNgeniso 2006-51 (PDF) |
| 2002 ukuya ku-2005 | $ 80,000 | INgeniso yeNgeniso yangaphakathi yeCandelo 911 |
| 2001 | $ 78,000 | INgeniso yeNgeniso yangaphakathi yeCandelo 911 |
| 2000 | $ 76,000 | INgeniso yeNgeniso yangaphakathi yeCandelo 911 |
| 1999 | $ 74,000 | INgeniso yeNgeniso yangaphakathi yeCandelo 911 |
| 1998 | $ 72,000 | INgeniso yeNgeniso yangaphakathi yeCandelo 911 |
Ukukhutshwa ngaphandle
Ukukhetha naziphi na iinyanga ezi-12 ezilandelelanayo ukufumana ilungelo lokungeniswa kwemali ngaphandle kwamanyathelo angaphandle phantsi kovavanyo lwangokubonakalayo kubangela ukuba inani lokukhutshwa kufuneka lithwale ngaphezu kwerhafu yerhafu. Isixa sokukhutshwa okugqithisileyo kunyaka kufuneka sitshathwe.
Ukuba ufumanisa ukuba kufuneka wenze oku, sebenzisa kuphela inani leentsuku oye wazenzayo kwilizwe langaphandle ngexesha lonyaka werhafu. Ukuxothwa kubalwa ngumlinganiselo wenani leentsuku oye wazibonakalisa ngokomzimba kwinqanaba langaphandle-inani leenombolo - kwinani leentsuku ngonyaka, okuyiyo. Isixa sokukhutshwa esiphuculweyo esingahlawulwanga asinakugqithisa ukukhutshwa okuvumelekileyo.
Unako ukufumana ilungelo lokukhutshwa ngokukhawuleza ukuba uzimisele ukuhlangabezana nazo zonke iimfuno zexesha, kodwa ushiye ilizwe ngenxa yokungqubuzana kwabantu.
Ukukhutshwa kweZindlu
Unako kwakhona ukukhuphela imali ehlawulwa ngumqeshi wakho ngezindlu. Oku kubandakanya nayiphi na imali ehlawulwa ngqo kuwe okanye kumnye umntu egameni lakho ngenxa yezindlu, irenti, imfundo yabantwana bakho, okanye ukulingana kwentela "i-gross-up" iintlawulo. Kufuneka udibanise iimfuno ezifanayo phantsi kwe-Bona Fide okanye ukuhlolwa kwePhysical Presence.
Ezi zindleko zilandelayo zifanelekile ukukhutshwa kwezindlu zangaphandle:
- Irente
- Ixabiso elithengiswayo elifanelekileyo lezindlu ezinikezwa ngumqeshi
- Ukulungiswa
- Izixhobo ngaphandle kwefowuni
- Ipropati yangempela kunye nenqwelo-nshurensi yomntu (abanikazi bezindlu kunye ne-inshurensi yerenti
- Iirhafu zomsebenzi
- Iimali zokukhusela ezingahlawulwanga okanye ukuhlawula imali
- Ifenisha yokuqeshisa
- Imali yokupaka indawo yokuhlala
Unokuthi uvumeleke ukuba ungabandakanyi iimali zezindlu ezihlawulwa ngumqeshi wakho, kuquka:
- Iintlawulo zokulinganisa iintlawulo ezihlawulwa ngumqeshi wakho
- Iindleko zemfundo kubantwana bakho abaxhomekeke kuyo
Iindleko ezilandelayo azifanelanga ukukhutshwa kwezindlu zangaphandle:
- Iindleko ezihlambulukileyo okanye ezixakekayo njengoko zichongiwe ziimeko zomntu
- Inzala kunye neerhafu ezichithwayo ezifana ne-interest mortgage
- Iindleko zokuthenga ipropati ezifana nentlawulo yenqununu kwi-mortgage
- Abasebenzi basekhaya abafana nabasetyhini kunye nabalimi
- Hlawula ithelevishini
- Uphuculo lwasekhaya
- Ifenitshala ethengiweyo
- Ukunciphisa ipropati okanye ukuphucula
Ukufumana ulwazi oluninzi ngokungabandakanyi iindleko zezindlu ezibonelelwe ngumqeshi, jonga ukukhutshwa kwezindlu zangaphandle kunye neCandelo lokuPhucula loPhulo 54.
Ukudibanisa ukungabikho
Unokufaka isicelo sokungeniswa kwemali yangaphandle, ukungabikho kwamakhaya angaphandle, okanye kokubili, kodwa inzuzo engenayo ayikwazi ukukhutshwa kabini.
Ngokuqhelekileyo kunenzuzo yokusebenzisa ukungabikho kwezindlu zangaphandle ukuba imali yangaphandle izuze imali engenayo ngaphezu kwexabiso lemali engaphandle yokufumana imali. Ukukhutshwa kwezindlu kungama-16 ekhulwini lemali engaphandle yokufumana imali engenayo okanye i-16,336 yee-$ 2017. I- IRS iluhlu lwexabiso lokukhutshwa kwezindlu kwisihlomelo kwiMigaqo yeFom 2555.
Ukukhishwa kwezindlu zangaphandle kwaBathengi abaziThengayo
Abantu abaqeshwe ngabasebenzi basebenza kwamanye amazwe abafanelekanga ukukhutshwa kwezindlu zangaphandle, kodwa banokukrazula izindleko zokuhlala izindlu phantsi kwezindlu zangaphandle. Le ntsalela ingabalwa kwi-IRS Ifom 2555 Ingxenye VI kunye ne-IX. Ukuncitshiswa kwezindlu zangaphandle kunganciphisa irhafu yerhafu, kodwa ayiyi kunciphisa irhafu yakho yokuqeshwa.