Ngoko kutheni kuthathe ixesha elide kubaxhamli ukuba bafumane ilifa labo? Ngenxa yokuba uMmeli woBuntu okanye iTrasti yoMphumeli kufuneka athathe amanyathelo alandelayo ngaphambi kokuba ifa lingavalwa okanye i-trust ithoxiswe:
- 1. Ukuqulunqwa kwamaxwebhu kunye nefa. Ngaphambi kokuba uMmeli woBuntu angatyunjwa yinkantolo ye-probate okanye iTrasti yoMphumeleli inokuthatha ukulawulwa kwetrasti, onke amaxwebhu okucwangciswa kwempahla kunye nezinye iimviwo ezibalulekileyo kufuneka zifumaneke. Amaphepha okucwangcisa i-estate decentent angabandakanya i- Last Will kunye neTestamente , umngcwabo, ukucinywa, ukungcwaba okanye imiyalelo yezikhumbuzo, kunye / okanye i- Revocable Living Trust . Amaphepha abalulekileyo asemthethweni angabandakanya izitatimende zebhanki kunye neentengiso, izatifikethi ze-stock and bond, i-inshorensi yomgaqo-nkqubo, iirekhodi zenkampani, izihloko zeemoto kunye nezikhephe, kunye nezenzo; kunye nolwazi malunga namatyala e-decedent, kubandakanya iibhidi zesevisi, iibhidi zamaphepha-mboleko, iimali-mboleko, iimali-mboleko zemali, iimali-mboleko zonyango kunye ne-bill bill.
- 2. Uqeshwe njengommeli wobuqu we-estate probation okanye wamkele ukuqeshwa njengeTrasti iTrasti . Xa amaxwebhu abalulekileyo afumanekile, ukuba ngaba kufunekile ukuba ummeli woBuntu uza kutyunjelwa yinkantolo ye-probate , okanye ukuba lowo ohloniphekileyo une- Trust Revocable Living Trust , ngoko umTrasti oPhumeleleyo uya kufuneka avume ukuqeshwa.
- 3. Ukuxabisa impahla ye-decedent. Emva kokuba uMmeli woBuntu okanye uMqhubi weTrasti usele ndawo, ngoko ke umhla wokufa kwexabiso lempahla yexabiso elimiselweyo kufuneka kuqinisekiswe. Oku kuya kubakho ulwazi olubalulekileyo kubaxhamli kuba i-capital gain will be calculated using the date of death value against the value when the property inherited (it is a step down or steps ). Ukongezelela, ixabiso elipheleleyo lempahla ye-decedent eyancitshiswe ngetyala elihlawulwe liza kugqiba ukuba ifa okanye i-trust iya kuba phantsi kweerhafu ze- state , irhafu yelizwe , kunye ne -tax state estate tax .
- 4. Ukuhlawula iindleko zokugqibela kunye nezindleko zolawulo oluqhubekayo. Emva kokuba ixabiso lomntu oshonile lisekwe, uMmeli woBuntu okanye uMqhubi weTrasti uya kufuneka ahlawule iindleko zokugqibela zetyala, njengeefowuni zefowuni, iibhidi zekhadi zetyala kunye neendleko zonyango, kwakunye neendleko eziqhubekayo zokulawula ifa okanye ithemba, njengemali yokugcinwa, iirhafu kunye neentlawulo zommeli .
- 5. Ifayile efanelekileyo yokubuyisela irhafu nokuhlawula irhafu efanelekileyo. Ukongeza kokuhlawula iindleko zokugqibela zeendleko kunye neendleko zolawulo oluqhubekayo, uMmeli Wezakhe okanye uMqhubi weTrasti uyakufuna kwakhona ukufakela zonke iintlawulo zeerhafu ezikhoyo kunye / okanye ukubuyiswa kweerhafu (i-state kunye / okanye i-IFS- IFS Ifomu 706 ), ingeniso yokugqibela ye-decedent Ukubuyiswa kweerhafu (i-state kunye / okanye ifomenti-IFS Ifomu 1040), kunye neyokuqala kunye neyokugqibela okanye i-tax revenue tax returns (i-state kunye / okanye ifomati- IFS Ifomu 1041 ). Kakade ke, nayiphina irhafu efunekayo kufuneka ihlawulwe ngexesha elifanelekileyo ukuphepha umdla kunye nezohlwayo.
- 6. Yabela oko kushiyelwe kubaxhamli. Kwaye ke siza kwisinyathelo sokugqibela kwinkqubo yokulungiswa kwefa okanye ukuthemba - bhala ilifa lihlole abaxhamli. Le yinyathelo lokugqibela kuba ukuba uMmeli woBuntu okanye uMqhubi weTrasti ehluleka ukunyamekela onke amahlanu amanyathelo angaphambili kwaye anike abaxhamli isabelo sabo sefa okanye ithemba, ngoko uMmeli woBuntu okanye iTrasti yeNtloko uya kubanjwa kuzo zonke iindleko zetyala ezingabhatalwa, iindleko zolawulo kunye nazo zonke iirhafu ezingakhokhelwa.
Ngoko Unokulindela Ifa Lakho?
Njengoko kuboniswe ngasentla, kuninzi kubandakanyeka ekuhlaleni impahla okanye ukuthembela. Kodwa ngokubanzi, kuthatha ixesha elingakanani inkqubo yokuhlawula ? Oku kuya kuxhomekeke kwiimeko ezininzi, kubandakanywa iintlobo zeempahla eziphathekayo, ixabiso lezo zixhobo, nokuba ixabiso lihlawulwa kwilizwe kunye / okanye kumgangatho wesigqeba, bangaphi abantu abaxhamliweyo abandakanyekayo, ukuba ngaba abaxhamli bafumana, kwaye izakhono kunye nokunyamekela koMmeli woBuntu okanye iTrasti yoMphumeleli. Ukuqwalasela le miba, indawo elula okanye ithemba inokuthi ihlaziywe zingangeenyanga ezimbalwa, ngelixa i-estate complex okanye ithemba linga kuthatha enye okanye eminye iminyaka ukulungisa.