Ukuqonda iirhafu zempahla kubalulekile kumnini-ndlu nakubathengi abaza kuthenga ngokufanayo. Iirhafu zempahla zingaluchaphazela ngokuphawulekayo uqingqo-mali lwemali lwendlu yakho, kungekuphela nje inkcitho yenyanga kodwa kwanendlela oceba ngayo ngemali. Le rhafu yengingqi yenye yeendleko ezinkulu eziqhubekayo ze-africation, ezisoloko zikhuphisana ne-inshorensi yendlu nezixhobo eziluncedo. Ukungaphumeleli ukunikela ingxelo kuzo kungakhokelela ekuhlawuleni iindleko ezimanyumnyezi, ukuthengiswa kwerhafu, okanye kwanerhafu. Olu khokelo luchaza ngokunzulu indlela irhafu esebenzayo ngayo, nendlela ezichaphazela ngayo imali yakho, kunye noko umele ukukuqhuba kakuhle ngayo.

Iyintoni Irhafu Yempahla?

Iirhafu zempahla zinyanzelekile ukuba zihlawulelwe ngurhulumente wasekuhlaleni ngezantsi, izixeko, isithili sesikolo, kunye namagunya akhethekileyo ahlawula irhafu yemali yempahla. Ingeniso yerhafu yempahla efunekayo eyingenelo kuluntu.

  • Imfundo yequmrhu: Esona sabelo sikhulu sengeniso yerhafu yempahla kwiindawo ezininzi sisekuxhaseni izikolo zikawonke-wonke (K-12).
  • Isiseko sendlela: [[FLT:] Iindlela, iibhulorho, izibane zesitrato, iindlela zezithuthi zoluntu
  • Ukhuseleko lwePublic: amasebe amapolisa, izitishi zomlilo, iinkonzo zonyango zongxamiseko, kunye nokusabela kwintlekele.
  • Izixhobo ezidityanisiweyo: ipaki, amathala eencwadi, amagumbi okuzihlaziya, kunye neenkonzo zogutyulo.
  • ulawulo lwengingqi yorhulumente: imivuzo yentsebenziswano, ukugcina iirekhodi, kunye nemisebenzi jikelele.

Irhafu ezi-Property ayifani. Iireyithi zemiboniso yohlolo ziyahluka ngokubanzi ngokwemeko-bume, ingingqi, kwanakwisixeko esinye. Amanye amazwe anazo iikhopteyithi ezibonisa ukuba amaxabiso anokunyuka kangakanani ngonyaka, ngoxa amanye evumela ukuphinda-phindeka okupheleleyo kwexabiso lentengiso nyaka ngamnye. Ukuqonda imithetho kwindawo yakho linyathelo lokuqala ekubenzeni uqingqo-mali oluchanekileyo.

Indlela Ebalwa Ngayo Irhafu Yempahla

Ukubala iirhafu zempahla kubandakanya iinxalenye eziliqela ezingundoqo ezisebenza kunye ukuze kubonwe ityala lakho lokugqibela. Ukwazi inyathelo ngalinye kukunceda ubone iimpazamo uze ubone ukuba unokuzigcina njani imali.

Ixabiso elicinezelweyo

Ixabiso lovavanyo lixabiso lemali eyabelwe indawo yakho yi-ofisi yoonobumba berhafu bendawo. Eli nani liphantse ukuba liyiqhezu lexabiso lepropati. Umlinganiselo phakathi kwexabiso lemarike kunye nexabiso lovavanyo ubizwa ngokuba umlinganiselo wolwalamano lwemali [[. Umzekelo, ukuba ikhaya lakho lixabisa ii-$400,000 kunye nomlinganiselo wohlolo ngu 80%, ixabiso lakho elithelekisayo linokuba zii-R320 000. Umlinganiselo wexabiso lomthetho we-ascess umiselwe ngumthetho wesizwe kwaye unokuba mfana-mfono-mfono-mfono-mfono- wonke (umz., umnini- esebenzayo urhwebo.).

Abalinganisi bamisela ixabiso lokusebenzisa enye okanye ngaphezulu kweendlela ezintathu:

  1. Izicwangciso zokuthelekisa: Ukuthelekisa impahla yakho kumakhaya afanayo kutshanje athengiswe kummandla.
  2. [[FLT: 0] Indlela epheleleyo: ithatha ixabiso ukuphinda uphinde uthabathe uhlahlo lwemali esekhaya, dibanisa ixabiso lomhlaba.
  3. ukufika kwengeniso: isetyenziselwa kakhulu izinto zokuqesha okanye ezorhwebo, ngokusekelwe kwingeniso impahla ekwaziyo ukuvelisa.

Izakhiwo ezininzi zokuhlala zithengwa ngendlela yokuthelekisa intengiso. Ii-asses ziqhutywa ngamaxesha athile (_anuly, qho, okanye kuphela xa kuthengiswe impahla kumthetho wasekuhlaleni.)

Irhafu Isantya (ILevy)

Umlinganiselo werhafu lixabiso lepesenti elisetyenziswa kwixabiso elithelekelelwayo lokuthelekelela irhafu. Kwimiqathango emininzi, irhafu iboniswa ku imilills. Isijikelezi esinye silingana ne-$$R10 000 kwixabiso ngalinye le-awunsi. Umzekelo, isantya serhafu ye-20 000 sithetha ukuba uhlawula ii-R3,000 ngexabiso le-awundices. Ukuba ixabiso lakho li-R320 000, ungahlawula 320 000 (R3,000) kwirhafu yempahla.

Isantya serhafu sisixa sexabiso elibekwe ngamagosa angenayo aqeqeshiweyo erhafu---"isixeko, isithili sesikolo, isithili samanzi, isithili sethala leencwadi, njl. njl.

Izikhuseli kunye nezinyusi

Ukukhulula kunciphisa ixabiso lerhafu yempahla yakho, kunciphisa umthwalo wakho werhafu. Ukungahlawuli okuqhelekileyo kuquka:

  • idefu yokungabikho kwasekhaya: Ikhona kwimizi ephambili esetyenzwa ngumnini, ngokufuthi enomlinganiselo osisigxina wedola okanye uhlaziyo lwepesenti.
  • [[UMTL:0] Ummi okhululekileyo ukhululekile: Kubanini-makhaya ngaphezu kobudala obuthile (ngokoqobo 65+), maxa wambi benemida yengeniso.
  • Ukukhulula okanye ukukhubazeka: kumagqala emikhosi, amagqala akhubazekileyo, okanye abantu abaneziphene.
  • Ukungangeni kobulimi okanye iziqinisekiso zembali: kumhlaba osetyenziswa njengefama okanye njengezinto zembali zexabiso.

Iziphene ziyahluka ngokwemeko-bume nakwiindawo. Ezinye zizenzekelayo; ezinye zifuna isicelo saminyaka le. Ukungawuhlawuli umda kuthetha ukuhlawula irhafu engaphezulu kunaleyo iyimfuneko.

Ukusetyenziswa kweBhili yeNtloko

Irhafu ePentekosteyo = (Ixabiso Elikhulu – Intengiselwano) × Isantya serhafu

Ukuba uneemali ezininzi zerhafu ezingenayo, uthelekelela irhafu iphela ngokudibanisa imveliso kwigunya ngalinye elihlawula irhafu, okanye ngokulula nje usebenzise ipevy edityanisiweyo.

Impembelelo Yerhafu Yemihlaba Kuqingqo - mali Lwakho Lwasekhaya

Iirhafu zempahla zinokuba nempembelelo enkulu kuqingqo-mali lwakho lwenyanga ekhaya. Nazi iindlela ezingundoqo ezichaphazela imali yakho:

Imali ebhaliswe rhoqo ngenyanga (Iinqwelo-moya)

Uninzi lwababoleki bendlu kufuneka bahlawule iirhafu zemali yendlu nge-akhawunti yemali . Uhlawula ngenyanga irhafu equka irhafu yempahla kunye ne-inshorensi yabanini-ndlu. Umboleki-mali ngoko uhlawula irhafu xa ifika. Eli lungiselelo lisasaza irhafu yonyaka ngeenyanga ezili-12, kodwa kwakhona lithetha ukuba imali yakho yenyanga ingatshintsha xa irhafu iyanda. Intlawulo okanye isantya sokunyuka kwemali inganyusa imfuno yakho ngekhulu le-erandi.

Ukujinga kwemali nokufumaneka

Iirhafu zepropati zezomhlaba ziyindleko eqhubekayo, engasetyenziswayo. Nasemva kokuba irhafu yakho yendlu ihlawulwa, irhafu yempahla iyaqhubeka. Xa uqingqo-mali lwentengo yendlu, kufuneka ufak ’ ityala kwimali yerhafu yonyaka. Umzekelo, irhafu yonyaka eyi-$4,000 yongeza ii-$33 kwixabiso lendlu yakho yenyanga. Kwimimandla ephezulu (umz., inxalenye yerhafu yeNew Jersey, i-Illinois, okanye i-Texas), irhafu yaminyaka lerhafu ingadlula ku-R340 000 000, inkxalabo enkulu.

Ukucingela Ixabiso Lasekhaya

Iirhafu zempahla eziphezulu zinganciphisa ixabiso lendlu yakho. Ngolwazi abathengi bathelekisa ixabiso elipheleleyo lemali yobunini, kuquka nerhafu. Ikhaya elinexabiso eliphantsi lokuthenga kodwa irhafu ephezulu ingaba nomtsalane kunekhaya elinerhafu ephezulu kakhulu. Ekuhambeni kwexesha, ukuba irhafu inyuka ngokukhawuleza kunoxabiso lwasekhaya, ingacinezela uxinzelelo lwempahla kuloo ndawo.

Ukwanda Kwerhafu Nokubhatala

Iirhafu zempahla azimi ndawonye. Ukuphinda-phinda konyaka, amanyathelo omanyano oluvunyiweyo, okanye utshintsho kuqingqo-mali lwasekuhlaleni lungabangela ukutsiba okubalulekileyo. Ngaphandle kwekepisi yendlu okanye umlinganiselo wokuhlola, imakethe enyukayo ingakhokelela kwixabiso eliphezulu kakhulu elithelekelelwayo, kwaye imali yerhafu ephezulu kakhulu.

Ubuchule bokuphatha irhafu yemihlaba

Ukulawula iirhafu zempahla ngokunempumelelo kunganceda ekunciphiseni uxinzelelo lwemali oluyidalayo. Nanga amaqhinga asebenzayo okugcina umthwalo wakho werhafu uphantsi.

Hlala u nolwazi kunye noMgaqo-nkqubo wasekuhlaleni

Kubhaqo iintlanganiso zikarhulumente zasekuhlaleni kunye noqingqo-mali olucetyisiweyo. Ukwanda okuninzi kwerhafu kufuna imvume yabavoti okanye ukuchotshelwa kwetyala likawonke-wonke. Ukuya okanye ukuthobela amagqabaza kukunika ilizwi ngendlela ii-dola zerhafu ezisetyenziswa ngayo. Kwakhona, bophelela kwisaziso se-ofisi yomhloli wengingqi yakho sokuphinda ujonge okanye utshintsho kwimithetho yokukhulula.

Hlola Indlela Ocinga Ngayo Ngokuchana

Iimpazamo kwiirekhodi zempahla ziqhelekile `````i quot''',' amanani angalunganga amagumbi okulala, okanye iinkcazelo zempahla eziphelelwe lixesha. Fumana ikopi yekhadi lovavanyo lwempahla yakho kwaye uqinisekise idata. Ukuba ufumana ukungangqinelani, qhagamshelana neofisi yomhloli ukulungisa. Isibheno esisekelwe kwiimpazamo ezizizo sisoloko siphumelela ngaphandle kokuva okusesikweni.

Ifayile Isibheno Ukuba Ifanelekile

Ukuba ukholelwa ukuba ixabiso lakho lovavanyo liphezulu kakhulu xa lithelekiswa nentengiso yakutshanje efanisiweyo, ungafaka isibheno esisemthethweni. Le nkqubo iyahluka-hluka ngolawulo kodwa idla ngokuquka ixesha elithe rhoqo (mhla wama 30-60 emva kweentsuku zohlolo ziposwe). Hlanganisa ubungqina obufana namaxabiso akutshanje amakhaya afanayo, uqwalaselo lobuchule, okanye iifoto zempahla. Abaninimzi abaninzi baphumelela ekunciphiseni ukunciphisa ngokunika ugcino-lwazi olucacileyo lwemarike.

Uvavanyo Olukhoyo

Uphando kuzo zonke iirhafu zepropati ofanele ukuhlawula okanye uzenza.

  • Iinqobo zokungahambi ekhaya (indawo yokuhlala esisiseko)
  • Ukukhululwa kwabantu abadala okanye abakhubazekileyo
  • Iinguqu zeVendal
  • Ukungakhutshelwa konqulo okanye koncedo (kwizinto ezingazifuneli ngeniso)
  • Ukungalungisi okusebenzayo kokukhulula (amanye amazwe anika uphumlo lwerhafu kumagumbi eebhanki okanye uhlaziyo oluluhlaza)

Yenza ngokukhawuleza uze ugcine iingxelo. Ezinye iimvume zifuna ukubuyiselwa konyaka; ukungaphumeleli ukuhlaziya kunokuyibuyisela irhafu epheleleyo.

Sebenzisa iqhinga elifanelekileyo lokuhlawula irhafu

Irhafu yempahla ehlawulwa kwizindlu eziphambili nezesibini zerhafu yerhafu yorhulumente, ephantsi kwekepisi engu-R3 000 kwirhafu karhulumente neyasekuhlaleni phantsi komthetho wangoku. Le rhafu isebenza kudityaniso lwerhafu yempahla kunye nerhafu yerhafu karhulumente. Ukuba ufaka imali, irhafu ehlawuliweyo ingehlisa ingeniso yakho ehlawulelwayo. Kodwa ke, i-SALT ibekelwe imida eyingenelo kubanini berhafu ephezulu. Gcina ii-ligi namaphepha-mali e-mali ekhutshelweyo ekhutshwayo exwebhu.

Cinga Ngezicwangciso Zokubhatala

Ezinye izikolo zinika izicwangciso zerhafu yepropati, ingakumbi kubemi abakhulileyo okanye abanini-khaya abangenayo. Endaweni yokuhlawula ityala lonke lonyaka ngemali enye yentlama, ungahlawula ikota okanye kancinane. Oku kunciphisa ukuphuma kwemali kodwa kusenokungenisa inzala encinane okanye umrhumo wenkonzo. Khangela neofisi yomqokeleli werhafu yakho ukwenzela ukhetho.

Iingcamango Eziqhelekileyo Ngerhafu Yempahla

Nantsi iintsomi nezibakala eziqhelekileyo ezibangela ukuba irhafu yempahla ilungelelaniswe.

  • Imbaza 1:[ iirhafu zempahla zisikolo kuphela zemali.
    'FT] Xa isabelo esibalulekileyo sisiya kwimfundo, iirhafu zempahla zixhasa iindlela, amapolisa, iinkonzo zomlilo, iithala leencwadi, iipaki, neminye imisebenzi kawonke-wonke.
  • [[FLT: 0] Irhafu yemiboniso isoloko isekelwe kwixabiso lentengiso.
    [FLT]] I-FLT:     Isekelwe kwixabiso elithengwayo [, elinokuba lipesenti yexabiso lentengiso okanye ikhusi kwixabiso elingokobucala. Ixabiso elicuthekileyo lingahluka kakhulu kwixabiso lentengiso yangoku.
  • [[FLT: 0] Imbaza 3: Ungayiphepha irhafu yempahla ukuba awulokhaya lakho.
    'Act:[ Abangeni badla ngokuhlawula irhafu yempahla ngokungangqalanga ngerente yabo. Abaqeshi bagqithisa iindleko zempahla kwintlawulo yabaqeshi njengenxalenye yendleko yokusebenza.
  • Imzamo 4: ukuhlawula indlu yakho yowiso-mthetho kuphelisa iirhafu zempahla. [
    'FLT]'FT irhafu yempahla ibotshelelwe nokuba imeko yendlu ezukileyo. Zizinyanzelo zikarhulumente, hayi imo yokubolekisa.
  • [[FLT: 0] Imbambo yesibheno 5: i-'ingcinga' inzima kakhulu kwaye inqabile ukusebenza.
    'ct: Izibheno ezininzi ezinempumelelo zisekelwe kwimposiso ezicacileyo okanye intengiso yakutshanje. Le nkqubo isoloko ilula, kwaye ungaqesha ingcali yemali ukuba iyafuneka.

Iintlawulo zerhafu yempahla kunye nempembelelo yerhafu yomanyano

Imigaqo-nkqubo yerhafu yomanyano ingachaphazela irhafu yomnatha werhafu yempahla. Phantsi koMthetho werhafu neMisebenzi ka-2017, ukuncitshiswa kwerhafu karhulumente nerhafu yommandla (SALT) (equka irhafu yempahla) (iquka irhafu ye-$10 000 (ii-R3 000 ngemali nganye ehlawulwayo). Le ntambo isebenza kwisimbuku serhafu karhulumente edityanisiweyo (okanye irhafu yempahla) kunye nerhafu yempahla. Abanini-khaya kumazwe aphezulu erhafu enjengeKhalifoni, New York, kunye neNew Jersey badla ngokugqitha irhafu yerhafu epheleleyo, oko kuthetha ukuba abanakuyisusa irhafu epheleleyo yempahla ehlawulwayo.

Kwanangomgqumo, ukuhlawuliswa kweminxeba ehlaziyiweyo kusenokunceda abaninimzi abanenzala yendlu ehlaziyiweyo. Khangela ingcali yerhafu ukufumanisa indlela yakho yokuyila elungileyo. Kwinkcukacha ezichanileyo, bhekisa kwi IMITHLOBO ESEMGQOKWENI No. 503 – Irhafu Ebhadliweyo.

Indlela Inkqubela Emakhaya Eyichaphazela Ngayo Irhafu Yempahla

Izindululo kunye nolwandiso zisoloko zibangela utshintsho lwexabiso lempahla yakho. Asizizo zonke iinguqu ezichatshazelwa ngokulinganayo. Ulungiso lwe-Routine (ukupeyintwa, ukulungisa uphahla, ukulungisa iplanga) ludla ngokwandisa ixabiso lobalo lovavanyo. Noko ke, uphuculo olukhulu olunyusa isantya esisikwere okanye udibanise izinto ezizii-amenties `ezifana negumbi lokulala elitsha lokulala, igumbi longaphantsi eligqityiweyo, iqula lokudada, okanye inkqubo yendawo yolawulo yelanga yelanga (ithuba lokunyusa ixabiso lerhafuthezo kunye nomlomo wakho werhafu.)

Amanye amaphondo anikela irhafu yexeshana ukunyuselwa kwenkqubela ethile (umz., ubuchule bokusebenza ukunyuswa okanye ugcino lwamandla oluyimbali). Phambi kokuba uqale iprojekthi enkulu, jonga nomntu wakho oza kuhlola iziphumo zerhafu ezinokwenzeka. Ukufumana uluvo lokuqala kungakunceda ukuba ugqibe enoba ulwando lwerhafu lwexesha elide luwufanele na umngeni.

Isiphelo

Iirhafu zempahla ziyinxalenye ebalulekileyo yolawulo lwemizi enokuthi ithintele kakhulu ekucebeni kwakho ngemali. Ngokuqonda indlela ezibalwa ngayo, iziphumo zazo kuqingqo-mali lwakho, kunye namaqhinga okulawula zona, abanini-makhaya bangenza izigqibo ezithe ngqo ukuqinisekisa ukuzinza kwabo kwemali. Ukusoloko bezimisele ngeerhafu zepropati zempahla. /ukuhlola iinkcitho, ukucela ukukhulula, iimpazamo ezinomtsalane, nokulandelela imigaqo-nkqubo yasekuhlaleni akuncedili nje kuphela ekuqingqeni imali kodwa kwakhona kunyusa ixabiso lemali ozini ngethuba.

Ngamaxesha onke hlala waziswe ngemigaqo-nkqubo yerhafu yasekuhlaleni kwaye wenze into apho kuyimfuneko ukulawula iimfanelo zerhafu zomhlaba wakho ngokunempumelelo. Ukuqhubeka ufunda, jonga kwi-website yoqikelelo yengingqi yommandla wakho okanye izibonelelo ezifana ne- ne-National Association of County Treasurers kunye neMalignal Abaphathi-mikhosi [] ukwenzela ukhokelo jikelele. Iinkcukacha ze-nteleko lorhulumente, khangela [[[FLT:]] ulwazi lwe-II-IRS kuthengiso lwe-SALT kunye nesebe lesebe le-webhsayithi yengeniso.