Table of Contents
Kunzwisisa Ukuru Hwose Hwemitero Yezvinhu
Mitero yenzvimbo inomirira imwe yendyiko hurusa dzinodzokororwazve nokuda kwavaridzi vemisha, kazhinji kazhinji inokwikwidzanisa mari yechikwereti chemba neinishuwarenzi.Apo vanotsigira mabasa anokosha omunzanga akadai sezvikoro zvehurumende, kugadziriswa kwemigwagwa, mapurisa namatura omwoto, uye maraibhurari, vanhu vazhinji vanowana gadziriro yacho ichikangaidza uye inorema. Iyi nhungamiro yakakwana inoputsa rutivi rwuri rwose rwemitero yenhumbi.
Mitero Yezvinhu Chii uye Ndiani Anoiunza?
Mitero yenhumbi mirefu mirefu yemitero yemitoro inopa mibayiro yemari yakaisvonaka, inoiswa pamutengo wenzvimbo nezviremera zvomunzvimbomo. Kusafanana nemitero yemari kana kuti yemari, mitero yenzvimbo inounganidzwa paruwa, menistrate, uye mwero yezvikoro. Mari inopa mari yakananga mukati mehurumende dziripo. Iyi mitero inzvimbo inotambirwa mari huru nokuda kwehurumende dzomunzvimbomo, kubhadharwa kweinenge 30% yenyika yose nemitero yomunzvimbomo muUnited States.
Masangano akati anogadza mitero yezvinhu anosiana nehurumende nenzvimbo. Kazhinji, munzveri wenyika anosarudza ukoshi hwenzvimbo, nepo dare rakaparadzana kana kuti dare rinoronga mwero wemitero (inowanzonzi mwero weguyo). Varidzi vedzimba vanofanira kuziva hofisi yavo yomunzvimbomo ndokunzwisisa kendi yejesi kuti vaziviswe.
Maverengerwe Anoitwa Mitero Yemitero Yezvinhu
Kunzwisisa chimwe nechimwe chezvinhu zvinokubatsira kuongorora muromo wako uye kuona zvikanganiso.
Kukosha Kwokutengeserana Kunofungidzirwa
Ukoshi hwenzvimbo yako yokutengesa ndihwo hungatengeswa pamusika wapachena. Ukoshi hwakaongororwa, zvisinei, inhamba inoshandiswa nokuda kwezvinangwa zvemitero. Nzvimbo zhinjisa dzinoyera chikamu chiduku chemari inotengeswa (somuenzaniso, 80% kana 100%). Dzimwe nyika dzinotanga kunzvera gore negore kuti dzidzivirire varidzi vedzimba kubva pamitengo yakamwe kamwe. Somuenzaniso, muganhu wekuyera 13 wegore negore unowedzera kusvika ku2% kutoti nzvimbo yacho inotengeswa kana kuti ichangobva kuvakwa.
Mwero Wemitero (Mambakwedza)
Mwero wemitero unoratidzirwa mumaguyo, umo chigayo chimwe chinoenzana ne $1,000 yemari inoyerwa. Kana nyika yako ine mwero wakakwana wezvigayo 50, uye musha wako unopinzwa pa $200,000, mutero wezvinhu zvako wegore negore ungava $10 000 (200 x 50). Mwero yemitengo yemari inoiswa nehurumende yomunzvimbomo mukati momuteo wemari uye inogona kuchinja-chinjika yakavakirwa pakudikanwa kwemari nokuda kwezvikoro, zvomugariro wakarongwa wenzvimbo, uye mabasa ekurumidziro.
Kusunungurwa Nokuderedzwa
Kubvisa chitsama chakatemwa mumutengo wako wemitero usati washandisa mwero wemitero. Kusapinda kwavose kunobatanidza kusapinda kwenzvimbo yemusha (kunowanika nokuda kwedzimba dzapakuvamba), kubudiswa kwevakuru, varwi, vanhu vakaremara, uye kushandiswa kwokurima. Somuenzaniso, Texas inopa mari inoregeredzwa yepamusha ye $40 000 (Z $4 000) nokuda kwemitero yeruwa. Nguva dzose nzvera mapurogiramu ehurumende yako okurega kubhadharwa uye shandisa nokukurumidza (vane miganhuro ichangobva kutengwa.)
Ukoshi Hwomutero Wamambure uye Kuverenga Kwokupedzisira
Muitiro ndewokuti: [[FL:0] Mutero weProperty = (Assessisted Leafs) × Millla Rate 76 1000[[FL:1]. Dzimwe nharaunda dzinoshandisawo mwero yakaparadzana nokuda kwemibato yakasiana (mh., mutero weruwa, mutero wechikoro, mutero wepenisita), naizvozvo hwerengedzo yako ichitsama cheidzi ndima.
Kunzwisisa Mitero Yezvinhu
Kunzvera hakugari, kunofambiswa nguva nenguva; Ndizvo zvinofanira kuzivikanwa nomwene mumwe nomumwe weimba.
Kuwana Kunokosha Kunoita Vaongorori
Vatengi vanoshandisa mitoo mitatu mikuru: kuenzanisa kutengeswa kwemisi ichangobva kupfuura iyi kwemisha yakafanana), mutengo (kurangarira ndyiko yokutsiva inoderedza mutengo), uye mitoo yemari (nokuda kwemitengo yokurenda). Nzvero zhinjisa dzinotsamira pakuenzanisa kushambadza. Vatengi vangaitisa kunzverwa kwomuviri kana kuti kushandisa mifananidzo yemipimo yakavakirwa pamiitiro yomunharaunda. Kana ukaita vandudziko dzakafanana nokuwedzera imba yokugezera kana kuti kupedza imba yapasi, vanokarira kunzvera kwako kukwira.
Kuongorora Nokucherechedza
Masimba mazhinjisa anonzverazve makore ose kusvikira kumashanu. Uchagamuchira chiziviso choukoshi hwakaongororwa, zvikurukuru mutsamba. Chiziviso ichi chinobatanidza ukoshi hwenhumbi yako, mwero wemitero, uye hwerengedzo yomutero. Inotsanangurawo kuti ungakwirira sei. Chengetai iyi chinyorwa nokuda kwezvinyorwa zvenyu.
Chokuita Kana Kuedza Kwako Kuchiratidzika Kuva Kwakakwirira Zvikuru
Kana uchidavira kuti nzvero yako inopfuura ukoshi hwemari inotengeswa, une maruramiro okukwirira. Muitiro wacho unosiyana asi kazhinji kazhinji unobatanidza kunyora kunyunyuta kwakanyorwa nehofisi yomunzveri, kugovera ufakazi hwakadai senziyo dzemisi ichangobva kupfuura iyi kana kuti kutengeswa kwakaenzana, uye kupinda mutezo wokunzwa. Mwero yebudiriro inosiana, asi varidzi vazhinji vamisha vanowana mutengo wakaderera. Vafi vanova norumano (kazhinji) mazuva 30 kubva pamusi weziviso) naizvozvo ita chiito nokukurumidza.
Mitero Yezvinhu Zvapamusoro uye Nzira Yokuita Nayo Zvikodzero
Pasi apa pane marudzi anozivikanwa zvikuru muUnited States yose.
Kusunungurwa Munzvimbo Yokugara
Uku kuhesvura kunoshanda kunzvimbo yako huru. Kuderedza ukoshi hunotapurwa nechitsama chakatarwa (sezvinetso $25 000 muFlorida). Dzimwe nyika dzinopawo "homestead copy" iyo ganhuriro yecherekedzo yegore negore inowedzera. Kuzvitaura, unofanira kugara mumusha sekero yako yechigarire uye kunyora kumbiriso neruwa.
Kusunungurwa Kwomugari Wemo Akura
Nyika dzakawanda dzinopa rusununguko rwokuwedzera kuna varidzi vemisha vane makore 65 kana kupfuura. Kusunungurwa kungabva pazera, mari, kana kuti zvose zviri zviviri. Somuenzaniso, Chimiro che19 cheCalifornia chinobvumira vakuru kuendesa mutero wavo kumusha mutsva. Nzvera purogiramu yako yavakuru inoregwa kukuva vatsva.
Vasingabudiriri
Varemi vanoshanda vakaremara, vakwanyina vakasara, uye vanhu vakaremara vangakwanirisa nokuda kwokusapinda mumipato isina kutsarukana kana kuti yakazara. Chitsama chinowanzobatanidza nokuremara. Somuenzaniso, New York inopa 50% yavakaregeredza vakabatira munguva dzehondo. Mashoko anobva kuVA anodikanwa chaizvoizvo.
Dzimwe Nhamo Chaidzo
Nzvera mukusapinda munyika yokurima, zvinhu zvenhau, kuiswa kwesimba rezuva, kana kuti zvinhu zvemasangano orudzidziso kana kuti anopa ruyamura.
Kubhadhara Mitero Yezvinhu Zvako: Zvaungaita uye Kuronga
Mitero yenhumbi inodikanwa mukuwirirana norudungwe rwehurumende yomunzvimbomo. Nharaunda zhinjisa dzinogamuchira muripo gore negore, kaviri, kana kuti kane. Hedzino nzira dzinozivikanwa navose dzeripo nerangariro dzinokosha.
Kubhadharwa Kwakananga Kuchiremera Chemitero
Masangano edzimwe nyika anogona kubhadhara mari yawakanonoka kubhadhara kana kuti kutora mari yawakazobhadhara usati wambobhadhara. Asi, mari yaunozobhadhara kana kunonoka inotoita kuti urasikirwe uye ive nechikomborero, (kazhinji kacho 1% pamwedzi kana kuti kupfuura. Gadza zviyeuchidzo kana kuti nyoresa mumasangano anoshandira kuti udzivise misikanzwa.
Kuverenga Nhoroondo Nemari Yako Yokuchengeta Mari
Vakweretesi vazhinjisa vanoda vakweretesi kubhadhara mitero yenzvimbo muakaundi yemari yemari yemari murutivi rwomubhadharo wavo wemari yemari yemonesa yomwedzi nomwedzi. Mukweretesi ipapo anobvisa mitero kuhurumende yomunzvimbomo apo kunenge kwakafanira. Ikoku kuparadzira ndyiko yacho inopfuura mwedzi 12 uye kuvimbisa kuti hautongona kutarisana nechitsama chikuru. Zvisinei, ziva kuti maakaundi escrow anogona pane dzimwe nguva kuisa kana kuti kuunganidza kwapaduku, kuchitungamirira kugadziriso. Ongorora mashoko ako gore negore kusimbisa ururami.
Gadziriro Dzemari Negadziriro Dzenhamo
Kana usingakwanisi kubhadhara zvizere, dzimwe nzvimbo dzinopa zvirongwa zvechikamu chimwe kana kuti zvirongwa zvepanguva ino, zvikurukuru nokuda kwavakweguru kana kuti varidzi vemisha vakaderera. Rufumedzo runononotsa kuripirwa kusvikira nzvimbo yatengeswa kana kuti kuchinjwa. Mhindu inoitika, asi inogona kudzivisa kubhadharwa. Kurukurirai hofisi yomuteresi kuti munzvere zvisarudzo.
Migumisiro Yokusawana Mubayiro: Nhema Nekutsiva
Kusiyana nezvimwe zvikwereti, mitero yezvinhu ndiyo inonyanya kukosha.
Kuwana Fariro Nezvipo
Mitero isingabhadharwi nokukurumidza inovamba fariro inoparira chirango chokupedzisira. Mwero unosiana nehurumende asi kazhinji kazhinji unopfuura 10% gore negore. Pashure pemwedzi mishomanene, hwerengedzo ine chikwereti inogona kubharukira zvikuru.
Mitero Inonyengedzwa Panzvimbo Yacho
Kana mitero ikaramba isingabhadharwi, hurumende yomunzvimbomo inoisa mutero panzvimbo yako.Iyi nhema inopa hurumende chirevo chapamutemo.Mune dzimwe nyika, muridzi wemari anogona kutengeswa kumutengesi wemari yomunhu oga pamisika yemitero. ipapo mutengi anobhadhara mitero ndokuwana mhindu. Unofanira kuripira mutengi kuti abvise mari yacho, kana kuti ngozi yokurasikirwa nepfuma yako.
Kuburitsa utachiona
Pashure penhambo yomutemo (kazhinji kazhinji makore maviri kusvikira kumatatu), chiremera chokutera chinogona kutanga kubhadharwa. Ikoku kunoguma nokutengeswa kwokumanikidzirwa kwemusha wako kuti ugutse mitero isingabhadharwi. Koshesa kunogona kuitika kunyange kana une chikwereti chemari (Chokwadi, varevo vemitero vanoisa nzvimbo yokutanga panzvimbo yekodzero yechikwereti. Kudzivisa misikanzwa yakaipa inoda kuoma. Kana uri kutamburira, nyorerana namupari wedzimba kana kuti yamuro yapamutemo nokukurumidza.
Zvirongwa Zvokutarisira Nokuderedza Mutoro Wenyu Wezvinhu
Varidzi vedzimba vanogona kuita matanho akawanda kuti mitero yezvinhu irambe iri pasi, uye nzira idzi ndedzepamutemo, dzinoshanda uye dzinoshandiswa nevakawanda.
Ongorora Nguva Dzose Mashoko Aunoongorora
Gore rimwe nerimwe, enzanisa ukoshi hwako hwezvinotengwa hwemisi ichangobva kupfuura iyi hwemisha yakafanana munharaunda yako.
Svedzera Nokuda Kwezvisakiso Zvose Zvinoisvokosha
Varidzi vemisha vazhinji vanobhuroka kusapinda basa kwavanokwaniriswa nokuda kwebasa.
Nzwisisa Kuchinja Kwezvinhu Zvikuru
Mutero wako unogona kuwedzera kunyange kana ukaramba wakatsaurwa kana hurumende yomunzvimbomo ikakwira mwero wezvigadziko. Pinda dare rechikoro kana kuti dare reguta rinoshandisa mari yemari kuti rinzwe murangariro wako. Mune dzimwe nharaunda, vavhoti vanofanira kubvumira mwero unowedzera kupfurikidza nependium, vachikupa pesvedzero yakananga.
Funga Nezvebasa Rokubhadhara Mutero Wezvinhu
Makambani anoverengeka anopa betsero yechikumbiro nokuda kwemari (kazhinji kazhinji chikamu muzana chemari inochengetwa). Nepo uchigona kukwirira woga, aya mabasa anobata mapepa ndokugovera zvakafanana. Nzvera chinyorwa chawo chenhau nemubhadharo usati wasaina.
Zvikoro Zvemitero Pakudzokera Kwehurumende
Varidzi vedzimba vanoisa mitero yehurumende nemitero yenzvimbo yomunzvimbomo (kubatanidza mitero yenzvimbo) pakudzorwa kwavo kwomutero wemari yehurumende, vachiva nemuganhu we $10 000 (yakabatana) pasi peTasi Cuts neJobs Act. Iyi pereshi inobatira bedzi kumitero yawakabhadhara chaizvoizvo mukati megore. Chengeta mapepa ako ezvikwereti zvemitero nemisipo. Nokuda kwemitengo yakawanda, inonongedzera ku [[FLT: 0]]
Mitero Yezvinhu Yevatengi Vepamusha Venguva Yokutanga
Kana uchipinda mushopu yedzimba, mitero yezvinhu chinhu chinokosha mukuripo. Hechino chinhu chokurangarira.
Chinokosha Chemitero Mubhajeti Yako
Mubhadharo wako wemwedzi nomwedzi unobatanidza mutero mukuru, mubereko, inishuwarenzi, uye mitero yenzvimbo (PITI). Kumbira mukweretesi wako nokuda kweyedzero yemitero yakavakirwa pamutengo wokutengesa nemwero yomunzvimbomo. Yeuka kuti zvikarakadzo zvingawedzera pashure pokutenga, zvikurukuru kana muridzi wapamberi wacho akanga ane ukoshi hwakaderedzwa hwakaderera nemhaka yokusapinda mumitero kana kuti makepisi.
Kutsvaka Mitero
Usati wapa chikarakadzo, wana nhau yemitero yenzvimbo yacho pawebsite yomutengi wenyika. Tsvaka hwirudzuro dzemisi ichangobva kupfuura iyi, zvikumbiro zvakamirira, kana kuti mari isingabhadharwi. Kukwira kwemari yakatemwa kungareva mari yakakwirira zvikuru gore rinouya.
Nzwisisa Zvirongwa Zvemitero
Mamwe maguta anopa mari yemitero yechinguvana nokuda kwokuvakwa kutsva kana kuti kugadziridzwa, zvikurukuru munzvimbo dzinonzi kusimudzirwa.Idzi dzinogona kuderedza mitero yako kwenhambo yamakore. Bvunza mushandisi wenzvimbo kana kuti hofisi yebudiriro yemari yomunzvimbomo pamusoro pemapurogiramu anowanika.
Mibvunzo Inowanzobvunzwa Pamusoro Pemitero Yezvinhu
Mitero yezvinhu inogona kuwedzera gore riri rose here?
Hungu, asi mwero unotsamira pamitemo yomunzvimbomo. Dzimwe nyika dzinoganhurira wedzero yegore negore kuchiverengero chakatemwa (sezviro, 2% muCalifornia). Dzimwe dzinobvumira kurangarirazve kwakazara kwakavakirwa pamigariro yemisika. Kangariro inowedzera zvishoma nezvishoma munguva apo mipimo yezvinhu nebhajeti yehurumende zvinokwira.
Mitero yezvinhu yakafanana here nokuda kwezvinhu zvose zviri munharaunda?
Aiwa, kunyange nemwero mumwe chetewo, zvinhu zvine mipimo yakasiana - siana zvinobhadhara zvitsama zvakasiyana - siyana. Mukuwedzera, kuhesvurwa uye maruwa chaiwo (mutoo, nokuda kwokudzivirirwa kwomwoto) zvinogona kuparira misiano.
Chii chinoitika kana ndikatengesa imba yangu pakati pegore?
Mutengi anobhadhara mitero yatobhadharwa pashure pokunge atengeswa, kana kuti mutengi anobhadhara mubhadhari mitero yaasingabhadharirwi asati atengeswa.
Ndingabvisa mitero yemari here kana ndisingatengi?
Aiwa. Kubviswa kwemitero yehurumende nemitero yomunzvimbomo (SALT) kunowanika bedzi kana ukaisa zvitsananguro paProgramu A. Kana ukatora zvitsananguro zvinowirirana, haugoni kubvisa mitero yenzvimbo. Bvunza nyanzvi yemitero kana kuti ona ZVISHAMBA ZVIRATIRO A.
Ndinowana sei mwero wemitero yenzvimbo yangu yomunzvimbomo?
Shanyira mutengi kana muteresi wewebsite yenyika yenyu. Vazhinji vanopa maturusi okutsvaka mitero yenzvimbo nenhamba yekero kana kuti pasuru. Unogonawo kudana hofisi yomunyori weruwa nokuda kwemwero yezvigayo zvazvino.
Kupedzisa: Kudzora Mitero Yenyu Yezvinhu
Mitero yezvinhu rutivi rwakaoma asi inodzorwa. Kupfurikidza nokunzwisisa kuti zviverengero zvinoshanda sei, kushandisira kusunungurwa kuri kwose kwaunokwaniriswa nokuda, kufadza kukwirira, uye kuramba uri pamitero, unogona kuderedza zvishamiso ndokuchengeta mari yakawanda muhomwe yako. Chinokosha ndechokuti urambe wakapiwa zviziviso zvako, pinda misangano yemari yomunzvimbomo, uye bvunza nyanzvi apo kunenge kuchidikanwa. Noruzivo rwakapiwa pano, unogona kuronga mitero yenzvimbo nechivimbo uye kuisa ngwariro pakufarikanya musha wako.