Umthengi Owe-IRS Uninzi Kangakanani emva kokuQala okanye ukuThengiswa okufutshane?
Akubonakali kulungile. Yintoni eyingozi nakakhulu ukuba unganakufumanisa ukuba unetyala lentlawulo kude kube ngumhla ovula i-imeyile yakho ukufumana i-1099.
Khumbula ingqalelo zonke i-1099s zithetha ukuba uya kuhlawula irhafu yengeniso, nokuba. Ibhanki ithumela i-1099s njengento eqhelekileyo.
Ndathetha noJulian Block, ugqwetha eLarchmont, NY, oye wachazwa yiNew York Times njengengcali ekhokelayo yerhafu. Nantsi into ayithethayo malunga neentlawulo, iintlawulo kunye nokulahlekelwa kwiintengiso ezixinzelelekileyo ezifana nokuvalwa kwangaphambili kunye nokuthengisa okufutshane:
I-Julian Block kwi-Gains and Loss
"Abadayisi abanempahla yabo yohlala ixesha elide baya kuqonda iingeniso.
"Kodwa abathengisi beendawo zokuhlala ezifunyenwe kwiminyaka emibini edlulileyo okanye kunjalo baya kubakhokelela ekulahlekeni kwexabiso, ilahleko ziza kubangelwa ngenxa yeendleko zabathengisi bezindlu, abameli kunye nezinto ezinjalo. Abadayisi abayi kuba nako ukukrazula ezo ilahleko Akukho nto eyahlukileyo ukuba athengise ngenxa yokuba, utshintsho lomsebenzi okanye izizathu zempilo.
"Ngaphandle kweengxaki kubathengisi beendawo zokuhlala, kukho iingxaki zerhafu kubaxhasi-mali abathi, bathenga iipropati ezininzi kwiindawo ezinjengeFlorida kwaye abakwazi ukuzenza flip ngenxa yokuba abathengi balindele ukunyuka kwamaxabiso.
Ngokuqhelekileyo, akufanelekile ukuba abo batyali-mali baqeshise indawo zabo; oko bakufumene njengeentlawulo zentlawulo abayiba nelanele ukufihla intela yabo yentengiso kunye nomdla wokuboleka imali . Okukhethayo kuphela ukuthengisa ngelahleko. "
Vimba kwi-Offsetting Loss Against the Gains
"Abathengisi banokukhupha ilahleko zabo ezinkulu kwiintengo ezinkulu.
Kodwa ekungabikho kwemali eyinzuzo, inkunzi yonyaka i-$ 3,000 (i-$ 1,500 yezibini ezitshatileyo zifakela ngokwahlukeneyo) kwixabiso lelahleko abanokuyichitha "imali yabo engenayo", ebonisa intsingiselo evela kwimithombo efana nemirholo, ipenshoni kunye nokuhoxiswa kwezicwangciso zomhlalaphantsi . Umthetho uyabavumela ukuba baqhubekele phambili ukulahlekelwa okungasetyenziswayo kwiminyaka kamva. "
Vimba kwiMigaqo yeRhafu yeNgxelo yokuThengisa
"I-IRS ineemigaqo yerhafu yokubakhokelwa kwangaphambili okanye ukuhlaliswa ngababoleki bezindlu zabanikazi abaye bawa emva kweentlawulo zabo zokubolekwa kwemali . Kunokuba nemiphumo yerhafu engalindelekanga kwaye engalindelekanga kumnini ohamba nje ngenxa yokuba akanako okanye akukho nto umboleki uya kuthatha kwaye athengise indawo.
"Kwimeko leyo, ukukhanselwa okanye ukuxolelwa ngumboleki wetyala ngokuqhelekileyo kuthetha ukuba umboleki unemali engenayo ingxelo, nangona kukho ukungabikho kwemfuneko-ngokomzekelo, ukungafihlisi."
Ukuthintela uxanduva lwaBantu
Umzekelo: uBrown uthengisa i-condo kwaye uyisebenzise njengendawo yokuhlala yakhe . Uhlawula i-$ 300,000, uhlawule i-$ 15,000 kunye ne-mboleko yemali engama-285,000. I-Brown engalunganga kwaye i-bhanki yemali-mboleko yemukela ukuthunyelwa kwakhe ngokuzithandela kwileyunithi, ukukhansela umboleko.
I condos efanayo ngexesha lithengisa nge-$ 230,000.
Inkokhelo yentlawulo ifana nokuthengiswa njengentengiso. I-Brown inokulahlekelwa imali engama-$ 70,000, isixa esiyi-300 000 zamaxabiso e-condo sayo esadlulileyo kwixabiso lemarike yee-230 000. Akukho ncitshiswa yokulahleka ngenxa yokuba uBrown usebenzisa i-condo njengendawo yokuhlala .
"UBrown unemali engenayo ingxelo engama-$ 50,000 xa ibhanki igxotha umbolekiso. I-50,000 yeeRhafu ixabiso elithatha i-$ 280,000 elingaphezulu kwe-$ 230,000.
"Faka i-IRS xa isakhiwo se-mortgaged sitshitshisiweyo okanye sichithwa kwakhona, kwaye ibhanki iyayifumana, okanye ibhanki iyazi ukuba uBrown ulahlile ipropati. Ibhanki ithumela ifom ye-1099-A kwiBrown kunye ne-IRS. I-1099-A ibonisa intengo yokuthengiswa kwemali yokugqithisa (i-$ 230,000), isixa seTyala likaBrown (i-$ 280,000) kunye nokuba ngaba nguye ngokwakhe.
Ukukhanselwa kwetyala (apha, i-$ 50,000) ihlawuliswa kwiirhafu zomvuzo oqhelekileyo, ofana nomvuzo. "
Amatyala aKhuselekileyo ngaphandle koxanduva lwabantu
Ngokutsho kwe-Kleinrock Publishing, i-IRS ithi abathengisi abangabonwayo ngamatyala baya kubona ixabiso elibandakanya ityala elichanekileyo elipheleleyo, nokuba ixabiso lepropati elikhuselekileyo letyala liphantsi, elingapheliswayo kuxhomekeka isiseko sakho kwisakhiwo. Ukuthengwa kwemali mboleko eqinisekisiwe yipropati yangempela eCalifornia ayisithinteli.
Umzekelo, uNksz Smith uthengisa ikhaya elixabisekileyo kwi-$ 300,000, ubeka i-$ 30,000 kwaye uthabatha imali engama-270,000. USmith uyayeka ukwenza iintlawulo . Ibhanki ibhekiselele kwi-balance balance of $ 260,000, kwaye ixabiso lentengiso lekhaya liye lawela kuma-250,000. U-Smith unesiseko sokulungiswa kwee-295,000 zamaRandi, ngenxa yelahleko e-$ 5,000 yokulahleka. Imali uSmith eyaziwayo ekugqibeleni i $ 260,000. USmith uyifumene ukufumana okanye ukulahleka kwakhe ngokuthelekisa i-$ 260,000, eyona mali ifunyenwe, kwisiseko sakhe se-$ 295,000. Unayo i-$ 35,000 yokulahleka.
Ngaphambi kokuQala okanye ukuThengisa, Cwangcisa phambili
Ngaphambi kokuba uthengise ngokuthengiswa okufutshane okanye uhambe nge-foreclosure, funa iingcebiso zomthetho nezerhafu. Ngaba ukucwangcisa intela kusengaphambili kwexesha, ngaphambi kokukhawuleza.
Ukufumana ulwazi oluthe vetshe, qha ga mshelana ne-Akhawunti yoMntu oqinisekisiweyo okanye uhlole iWebhsayithi ye-IRS.
Ukulungiswa kwesikhashana, okubizwa ngokuba nguMthetho woMxhaso-mboleko wokuTyala uMxokelelo we-Mortgage Act ka-2007, unikezela ukukhulula kwiityala ukuxolelwa intela kwabanye abanikazi bemihlaba kunye nokuphelelwa yisikhathi ngaphambi kokuhlaziywa. Imithetho yaseCalifornia iyahlukileyo kwerhafu yentengiso emfutshane ngenxa ye-CA Civil Code 580e kunye nee-mortgage letters ezikhutshwe yi-IRS kunye negama leBhodi yeRhafu yeFranchise. Funa abacebisi bentela abanekhono ukuqinisekisa ukuba ngaba uxolelwe kwiirhafu.
Umthombo: Iincwadi zamatyala kaJulian Block ziquka "IsiKhokelo seThengisi seKhaya kwiSatifikethi seRhafu," esidunyiswa nguprofesa wezomthetho uJames Edward Maule waseYunivesithi yaseVillanova ngokuthi "Ukufunda okulula ukufunda kunye nokuhlelekile kwemithetho yerhafu." Ukuyalela iincwadi zakhe , tyelela iWebhsayithi yeYulian Block.