Kufuneka unike ingxelo ngolwazi lwe-1099-A kodwa ungathathi irhafu
Unokufumana iifom ezininzi ezili-1099-A kwipropati enye ukuba unayo imali engaphezulu kweyodwa okanye i-lien kunye nayo kunye nomboleki omnye oye wabandakanyeka kwi-foreclosure.
Kodwa musani. Nakhu okufuneka ukwazi.
UkusiNgqongqo kunye neNzuzo yeMali
I-Revenue Service Revenue isebenza ngokuchaneka okufana nokuba uthengise ipropati yakho. Uya kufuneka ubale inzuzo yakho okanye ukulahleka, kodwa ngokungafani nentengiso evamile, akukho "intengo yokuthengisa" kule meko. Le yilapho ifomu le-1099-A liza kudlala.
Ulwazi malunga neFomu 1099-A
Uzakufuna umhla wokuthengisa kunye nentengo yokuthengisa yepropati echanekileyo ukunika ingxelo yayo "ukuthengiswa" kwi-IRS, kwaye uya kufumana le ngcaciso kwiFom 1099-A. Kwintengo yokuthengisa, uza kusebenzisa ixabiso lemarike elifanelekileyo lepropati okanye ibhalansi ebolekileyo yemboleko ngexesha lokuvalwa.
Ibhalansi ebolekileyo yemboleko ifunyenwe kwibhokisi 2 kunye nexabiso lexabiso lemarike elifanelekileyo lepropati lifumaneka kwibhokisi 4 ye-1099-A. Umhla wokugqithiswa kuboniswe kwibhokisi 1 kwaye oku kuya kusetyenziswa njengomhla ipropathi elahliwe-oko kukuthi, "umhla wokuthengisa
Abathengi bafanele bazi nokuba umboleko wawungumboleko wemali okanye umboleko ongekho . Umboleko mhlawumbi umboleko wemali xa umboleki-mboleko uye wahlola "ewe" kwibhokisi 5 ebuza ukuba "Ngaba umntu obolekayo uboleka ukuhlawulwa kwetyala?"
Ngaba Unayo Ukuzuza okanye Ukulahlekelwa?
Iintengo zentengo zichazwe kwiShedyuli D yamakhaya awayehlala kuyo.
I-IRS ayivumeli abahlawuli berhafu ukuba babange ilahleko kwiindawo zokuhlala zabo. Naluphina inzuzo-kwaye ewe, ukuchithwa kwempahla kunokubangela ukuba inzuzo-inokuthi iyanqunyulwa yi- capital gain excluding home home so it is inokwenzeka ukuba ukuchithwa kuya kubangelwa nayiphi na irhafu yentlawulo ezuzayo.
Kufuneka unike ingxelo nge-1099-A ngenye indlela, kodwa mhlawumbi akuyi ku funeka uthathe irhafu yentlawulo.
Ukuxela ukuBhengeza
Sebenzisa usuku lokugqithisa kwibhokisi 1 ye-1099-A njengosuku lwakho lokuthengisa, ngoko ufaka intengo yokuthengisa kwiShedyuli D. Oku kuya kuba semali ebhokisini 2 okanye isixa ebhokisini 4. Yiyiphi ibhokisi oya kuyenza Ukusetyenziswa kuya kuxhomekeka kwimithetho yokuboleka yombuso apho ipropati itholakala khona ukuze uhlolisise ubuchwephesha beerhafu bendawo ukuze uqinisekise ukuba ukhetha okuchanekileyo.
Ukubala Ukufumana kwakho
Unako ukubala inzuzo yakho ngokuthelekisa "intengo yokuthengisa" oyisebenzisayo kwixabiso lakho lokuthenga, nto leyo eyinqanaba leendleko kwipropati. Le ngcaciso ingafumaneka ngokubanzi kwisitatimende sokuvala se-HUD-1 oyifumene xa uthenge ipropati. Umahluko phakathi kwexabiso lokuthengisa kunye nesiseko seendleko yakho yinzuzo. Faka oku kwiShedyuli D kunye nomgca 13 weFomu yakho ye-1040 yentlawulo.
Iimpahla zoTyalo-mali
Sebenzisa Ifom 4797 ukuba ipropati echanekileyo yayiqeshiso okanye utyalo-mali.
Mhlawumbi uya kufuneka uncedo lwengcali yerhafu kulo mzekelo kuba kukho izinto ezongezelelweyo eziza kuthathwa ingqalelo, ezifana nokuphindwa kwexabiso lokuncitshiswa kwexabiso , ukulahlekelwa kwemisebenzi yokulahlekelwa kwempahla, nokunika nayiphi na ingeniso yokugqibela yengeniso kunye neendleko .
Ifom ye-1099-A kunye neFom 1099-C
Unokufumana ifom 1099-C endaweni yeFomu 1099-A ukuba ngaba umboleki wakho obabini wabikezelwa kwipropati kwaye ukhansele nayiphi na imali esele isetyenziselwe imali . Kule meko, i-IRS ithatha isikhundla sokuba ufumene ingeniso kwi-foreclosure-ufumene imali kumboleki ukuba uthenge ikhaya lakho kwaye awuzange uyihlawule yonke loo mali.
Kodwa nangona uxolelwe ngetyala elibikwe kwiShedyuli 1099-C ngokuqhelekileyo ihlawulwa ingeniso, umThetho wokuXholwa kweMali woTyala lokuTyala ukuKhelelwa kweMali ngokuqhelekileyo awufaki ukukhishwa kwemali echithwe kwi-foreclosure.
IsiHlomelo esibalulekileyo
Ukubonelelwa kweerhafu okukuvumela ukuba ungabandakanyi izibonelelo zemali ezixhaswe ngokuchithwa kwezobuchwepheshe ngokuphelelwa yisikhathi ngoDisemba 31, 2016, kodwa uMthetho weBhajethi weBipartisan waphefumlela ubomi obutsha kuwo ngoFebhuwari 2018. Wabuyiselwa ngokukhawuleza ukuhlawula umnyaka werhafu ngo-2017. kwakhona ngo-2018 nangeminyaka ezayo.
Okwangoku, eli lungiselelo libandakanya izivumelwano zokungena kwezinto zangeniswa ngo-2017. Kufanele uvumeleke ukuba zonke izikwereti zakho zigqithise ixabiso lexabiso leempahla zakho ngokukhawuleza phambi kwexesha lokuchithwa. Oku kuthetha ukuba "ungekho phantsi" kwaye kufuneka unike ingxelo kuphela ngetyala lokukhishwa kwerhafu kwirejista yokuba lidlulele ukungafihli-ukungafani phakathi kwamatyala akho kunye nezinto zakho.
Ngokomzekelo, unokuba netyala elingama-300,000 ama-dollar kunye nazo zonke i-asethi zakho ezisele zixabiswa kwi-$ 200,000. Loo mahluko we $ 100,000. Ukuba umboleki wakho uthethelele okanye ukhansele imali engama-$ 120,000 kwimali-mboleko yakho yokubolekwa kwemali, kufuneka unike ingxelo engama-20,000 engama-20,000 njengeniso-engenayo-inani elingaphezulu kwe-100,000 ye-insolvency yakho.
QAPHELA: Imithetho yerhafu iguquka rhoqo kwaye kufuneka udibane nochwepheshe beerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu kwaye ayikho enye ingcebiso yerhafu.