Ngaba Abanikazi baKhaya baxhaswa kwiiNzuzo kwi-IRS
Yintoni eyenzekayo, nangona kunjalo, xa inzuzo ikhulu kunokuba kufakwe kwi-$ 500,000 okanye i-250,000 zama-dollar?
Impendulo: Ukugqithiswa kwemali kuhlawuliswa njengenzuzo yexesha elide kwinqanaba eli-15, kunye neerhafu zorhulumente ezichaphazelekayo. Imfuno ebalulekileyo: Yakho kwaye uhlala kwipropati njengendawo yakho yokuhlala eyinqununu ngamaxesha athile ubuncinane kwiminyaka emihlanu ephela ngomhla wokuthengisa, kwaye ubuncinane ubuncinane iminyaka emibini ukususela ekubeni usebenzise okokugqibela ukukhutshwa.
Ukuphulwa kweRhafu yeZakhiwo zeMpahla
Xa uthengisa, khumbula imithetho ekhethekileyo yefenitshala. Ikhefu lokungabikho lisebenzisela nayiphi na ifenitshala okanye nayipropati yomntu onokuyithengisa ngenzuzo. Bala nayiphi na inzuzo kwezo zinto njengengeniso echazwayo kunyaka wokuthengisa.
Okubi nakakhulu, awukwazi ukukrazula nayiphi na ilahleko ekuthengiseni, njengoko awuzange uthenge okokuqala ukuba wenze inzuzo okanye uzuze imali. Akunakukwazi ukunciphisa inzuzo ekuthengiseni ikhaya ngokulahlekelwa kwintengiso; Ukuthengiswa kwefenitshala yintengiselwano eyahlukileyo.Ukuba uthatha isigqibo sokuthengisa iziqulatho zendawo yokuhlala, irhafu ingakwazi ukukhangela ngokungalindelekanga.
Amanyathelo angaphakathi weNkonzo yeNgeniso azuze okanye alahlekelwe ngokwahlukileyo kwixabiso ngalinye lexabiso elithengiswe - kungekhona ngenxa yesiphumo sobhengezo.
Ngaloo ndlela, nangona ukuthengiswa kweentengo kubangelwa ukulahleka kwenetha kuwe, imibhede inokudala inzuzo ehlawuliswayo ngokungavumeli ilahleko ezixhaswe kwezinye zezinto ezichaphazelekayo.
Isiphumo: Intlawulo ehlawulwa irhafu ingadlulela ngaphezu kwexabiso lentengo yedoli ekuthengisweni.
Ngokomzekelo, i-contents yekhaya kaRita Harrison iquka ezinye izinto ezixabisa ngaphantsi kweendleko zabo zangaphambili, ngelixa abanye bebanomdla obalaseleyo-mpuma we-oriental, ngokomzekelo. U-Rita ufumana i-$ 50,000 yeenkontileka zasekhaya, iindleko zakhe zokuqala zingabi ncinane okanye ngaphezulu.
Nangona kunjalo, unelungelo lokufumana irhafu yentlawulo-ntlawulo kwento nganye ethengiswe ngaphezu kweendleko, ngaphandle kokuhlawulwa ngenxa yelahleko kwizinto ezithengiswe ngaphantsi kweendleko. Ngoko ukuba uRita avuna inzuzo ye $ 25,000 kwaye ulahlekelwa ilahleko ezingama-25,000 zamaRandi, kufuneka ahlawule irhafu kuyo yonke inzuzo kwaye ayigatya yonke ilahleko.
Imigaqo ye-IRS ichaza indlela uRita ekufuneka ayenze ngayo xa ifenitshala nezixhobo zibala njengenxalenye yendlu yakhe. U-Rita angongeza kwikhaya lakhe oko achithayo kwifenitshala, izixhobo kunye nezinto ezifanayo ezibhekwa njengezinto zokuhlala (indawo engasigxina yepropati), ngoko ke, inxalenye yendlu. Akakwazi ukongeza kwindleko yezinto ezibhekwa njengepropati yomntu, ngoko ke, kungekhona inxalenye yekhaya.
Umthetho welizwe apho ikhaya lakhe lihlala khona likhetha ukuba, kuthi, i-friji kufuneka ihlelwe njengoluhlu (oko kuthetha ukuba into ekufuneka idayiswe kunye nekhaya) okanye njengepropati yomuntu (oko kuthetha ukuba akufanele idayiswe ).
Njengomgaqo oqhelekileyo, umthetho uthatha into ehamba ngokukhawuleza ukuba ibe yipropati yomntu, kungekhona isakhiwo.
> UJulian Block, igqwetha laseLarchmont, NY, likhankanywe ngamajelo "njengengcali ekhokelayo yerhafu."
> Ngexesha lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, unguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.