Izintela zendawo ziyisici esiphikelelayo kodwa esivame ukunganakwa kwezezimali zomuntu siqu nezebhizinisi. Nakuba intela kahulumeni nohulumeni ithola ukunakekela kwebhubesi, intela ekhokhwa yidolobha lakho, isifundazwe, isifunda sesikole, kanye nezikhulu ezikhethekile ezikhokhayo zingahlela buthule imali yakho, ukukhetha kwakho kwezindlu, futhi ngisho nomsebenzi wakho wokuziphilisa. Ukuqonda ukuthi lezintela zisebenza kanjani, kungani zihluka ngokuphawulekayo kusuka kumthetho owodwa weZiP kuya kolandelayo, futhi lokho ongakwenza ukuze unciphise ithonya lazo kudingekile kunoma ubani ofuna ukugcina imali enzima.

Yini Ebalulekile Ngentela Yendawo Futhi Kungani Ibalulekile?

Intela yendawo ikhokhwa omasipala, izikhungo, amalokishi, izifunda, nezinye izinhlangano zikahulumeni ezisesigabeni esiphansi. Ngokungafani nentela zikahulumeni noma zikahulumeni, ezixhasa izinhlelo ezibanzi ezinjengokuzivikela kwesizwe noma imigwaqo emikhulu yasesifundazweni, intela yendawo oyisebenzisayo nsuku zonke: izikole zomphakathi, amaphoyisa nomlilo, isivikelo somgwaqo, ipaki, imitapo, imfucu yezenhlanzeko, kanye nokwelashwa ngamanzi. Ngenxa yokuthi lezi zinkonzo zixhaswa endaweni, umthwalo wentela ungahluka kakhulu ngisho naphakathi kwemiphakathi yezindawo ezingomakhelwane.

Ukubaluleka kwentela yendawo esikhwameni sakho semali akunakushiwo ngokweqile. Ukuhlanganiswa kwempahla yendawo, ukuthengwa, nentela yeholo kungalingana nezinkulungwane zamaRandi ngonyaka emkhayeni ovamile. Kweminye imitapo ephakeme, ingqikithi yentela yendawo ingaphezu kwe 12% yemali eholwayo ekhaya, kuyilapho ezindaweni ezingakhokhi kakhulu kungenzeka ukuthi ingaphansi kwesithathu%. Lokhu kusho ukuthi ukukhetha indawo yokuhlala kuyisinqumo sezimali njengendlela yokuphila.

Izinhlobo Ezinkulu Zentela Endaweni

Ukuqonda uhlobo ngalunye kukusiza ukuba ulindele izindleko futhi uqaphele amathuba okulondolozwa kwemali.

Intela Yempahla

Intela yempahla iyintela ebaluleke kakhulu kumninikhaya abaningi. Lentela ezindaweni nezakhiwo − isekelwe entengo yempahla. Izimali ezikhokhwa ngokuyinhloko izikole zomphakathi, kodwa futhi isekela izinkonzo zezenhlalakahle, izinkonzo zesimo esiphuthumayo, kanye nemisebenzi kahulumeni wendawo.

Amazinga avezwa njenge-aweb levy (inani lemali engu-R1 000 ngokwenani elihlolwayo). Ngokwesibonelo, i-evy yama-20 lisho u-20 (R1,50) ngentela ngamalini ngayinye yenani elikhokhelwayo. Izilinganiso zemali yemali elinganiselwa ku-R1 000 ziyahluka ngokwezwe: ezinye zihlola inani eligcwele lezentengiselwano, ezinye ngokwengxenye. Ezikhathini eziningi, abanikazi bamakhaya bangafuna ukudedela intela ekhubazekayo yendlu eyinhloko.

Amasu angundoqo: Njalo hlola ukulinganisela kwakho impahla ngamaphutha. Uma ukholelwa ukuthi inani lemali yemali yendlu yakho elidlula inani lezentengiselwano, ungafaka isikhalo. Izifunda eziningi zezibalo zinenqubo ehleliwe yalokhu. Ngaphezu kwalokho, amazwe amaningi anikeza abanini-khaya izinhlelo zentela yempahla.

[ Ufunda okwengeziwe ngendlela izintela zempahla ezisebenza ngayo eSikhungweni seTax Policy.

Ukuthengisa Intela

Izintela zentela zisetshenziswa ekuthengeni izimpahla futhi kwezinye izindawo, izinkonzo. Izintela zendawo zokuthengisela zinezelwa ngaphezu kwesilinganiso sikahulumeni, okuholela emazingeni ahlangene angadlula amaphesenti ayishumi emadolobheni anjengeChicago, iMemphis, noma iSeattle. Ingxenye yendawo ingakhokhwa ngezindawo, amadolobha, nezifunda ezikhethekile ezinjengezikhulu zezokuthutha noma amabhodi ezokuvakasha.

Ngoba intela yokuthengisa iphinde incishiswe, kodwa intela ekhokhwayo iyadayiswa, isetshenziswa kakhulu emalini eholayo ezintweni ezikhokhelwayo.

Intengo ukuze kuncishiswe imiphumela: Isitolo ezindaweni ezingumakhelwane ezinezinga eliphansi uma kuwusizo. Sebenzisa izimpelasonto ezingenantela ezinikeza izinkonzo zesikole noma izinto ezisebenzisa amandla anzima. Ezithengwa kakhulu, cabangela isikhathi osithengileyo uma usiya endaweni yentela ephansi.

Bheka intela yentela yeTaxi ehlangene yamuva neyasendaweni kusuka kwi-Foundation.

Intela Ekhokhwa Endaweni

Nakuba izifunda eziningi ziphoqelela intela yeholo, amanye amadolobha kanye namaholo akhokhelwa intela yawo siqu ezakhamuzini − futhi ngezinye izikhathi kubantu abangasebenzi ezindaweni ezingaphandle kwe-Australia. Izibonelo eziphawulekayo zihlanganisa iDolobha laseNew York, iPhiladelphia, iDetroit, nezikhulu eziningi zikamasipala e-Ohio, iPennsylvania, ne-Kentucky. Lentela iyinani elishibhile leholo neholo, nakuba izindawo ezimbalwa zisebenzisa amazinga athuthukayo.

Uma uhlala edolobheni elinentela yendawo kodwa usebenza ngaphandle, ungaqhubeka ukhokha intela edolobheni lakini. Ezinye izindawo zikhokha izintela ezikhokhwa kwelinye idolobha ukuze kuvinjelwe intela embaxambili.

Izinyathelo: Hlola ukuthi idolobha noma isifunda sezwe sakho linentela yeholo lendawo. Uma u-telecommute, qonda ukuthi indawo yomqashi wakho nekheli lakho kuthinta kanjani ukugoxa. Uchwepheshe wentela angakusiza ukuba usebenzise izivumelwano phakathi kwezindawo zombuso.

Isiqondiso se-IRS ezintela zeholo lendawo.

Intela Yebhizinisi Neyomsebenzi

Kubathengisi nabanikazi bebhizinisi abancane, intela yendawo idlulela ngalé kwempahla nemali yomuntu siqu.

Lentela ingaba yinkimbinkimbi futhi ihlukahluka kakhulu. ibhakabhaka kwelinye idolobha lingase likhokhe imali eyimali eyimali eyimali eyisicaba ngonyaka, kuyilapho ibhizinisi elifanayo kulo lonke idolobha lingase likhokhe imali eningi kakhulu. Ukwehluleka ukuhambisana nale mithetho kungaphumela ekujezisweni, ekuqeshweni kwemvume, noma ekukhokheni intela yaseqolo kanye nenzalo.

[ Intela yebhizinisi yokukhokhela:[ Ukucwaninga izimfuneko zendawo ngaphambi kokuvula indawo yebhizinisi. Gcina amarekhodi acophelelayo ama-risidi amabi kanye nemininingwane yezisebenzi. Cabangela ukusebenzisa inkonzo yentela noma i-CPA yendawo esebenzela intela yebhizinisi yendawo yakini.

Intela Engenalutho

Izintela zokukhiqizwa kwemali ziyizintela ezikhokhelwayo ezinjengamandla, igesi yemvelo, amanzi, indle, ukuqoqwa kwendle, nokuxhumana ngemishini. Ezivamile zifihlwa ezikweletini zakho zanyanga zonke, okwenza kube lula ukuzishaya indiva. Ohulumeni bendawo basebenzisa lentela ukuqoqa imisebenzi kawonke, izisekelo zemvelo, noma izinhlelo ezithile ezifana nezinyathelo zokusebenza kahle kwamandla.

Amazinga angaba intela eyithaca ngenyanga, iphesenti lemali, noma isilinganiso esithengiswe ekusetshenzisweni kwemali. Ngokwesibonelo, idolobha lingase lifake intela ka-5% esemthethweni emalini kagesi. Ihlangene nenkokhelo kahulumeni ne-fransel, lezi zikhokhi zingandisa ingqikithi yezindleko zakho zemali nge-10% noma ngaphezulu.

Ukunciphisa imiphumela: ukunciphisa ukusetshenziswa kwemali eyisisekelo ukuze yehlise intela. Uma unebhizinisi elisekelwe ekhaya, ungakwazi ukukhipha ingxenye yezindleko zenzuzo njengemali yebhizinisi, enganciphisa umthwalo wentela ngokwezinga likahulumeni. Ezinye izindawo zinikeza ukukhulula noma amazinga ancishisiwe emizini ehlawulwayo.

Umphumela Wangempela Wentela Yendawo Ezimalini Zakho

Ngaphandle kwemininingwane esobala ephathelene nokukhokha intela, izintela zendawo zithinta ukuphila kwakho okungokwezimali ngezindlela eziningana ezicashile kodwa ezinamandla.

Imali Engenanzuzo Namandla Okusebenzisa Imali

Imali ngayinye ekhokha izintela zendawo ayinako ukonga, ukutshala, noma ukuchitha izinto ezicatshangelwe. Ezindaweni eziphethe intela ephakeme, umphumela okhungetheyo ungaba mkhulu. Iholo lendlu elingu-R3 000 elikhokha intela ehlangene yomphakathi lilahlekelwa uR3,000 ngonyaka (inani elingu-200 000) ukuxhasa iholide, ukukhokha imoto, noma unyaka wokulondolozwa kwemali yasekolishi. Lokhu kuncishiswa kwemali kungavimbela ukukhetha indlela yokuphila futhi kubambezele imigomo emikhulu yezimali njengomninindlu noma umhlala - phansi.

Izindleko Zokuphila Nezokuhlala

Izintela zendawo zithinta izindleko zokuphila ngokuqondile. Izintela ezinkulu zezindawo zandisa imali ekhokhwayo nyanga zonke yabaninikhaya futhi zidluliselwa kubaqashi bentela bentela ephakeme. Ngokufanayo, intela ephakeme yokuthengisa yenza ukuthenga kwansuku zonke kube okubiza kakhulu. Lapho uqhathanisa ezinye izindlela zokukhokha, kubaluleke kakhulu ukubheka ngalé kwemali ekhokhwayo yendlu nefakthalo yentela yempahla yaminyaka yonke kanye nentela yentela yendawo othenga ngayo njalo.

Ikhaya elinentengo ephansi kodwa elinezintela ezinkulu zempahla lingase libiza kakhulu ngokuhamba kwesikhathi kunekhaya elibiza kancane endaweni yentela ephansi. Amakhandlela okubala angakwazi ukukusiza ukuba ulinganisele ingqikithi yezindleko zezindlu kuhlanganise nezintela, umshuwalense, kanye nokulungisa.

Ukusetshenziswa Komali Nokuhlela Izimali

Izintela zendawo azikho ezisendaweni ezikhona. Ziyashintsha njengoba ohulumeni bendawo behlela amazinga, izakhiwo, noma behlela izindleko ezintsha. Ukwanda okungalindelekile kungavulela imbobo emalini yakho ehlelwe ngokucophelela yanyanga zonke. Kubantu abathatha umhlalaphansi eholweni elimisiwe, intela yempahla ekhuphukayo ingaba umthwalo ongathi sína ngokwezimali. Ukuhlela ukwanda kwentela ngokuhlela izindleko zohlelo lwemali noma ukuhlola izinhlelo zentela (ezitholakala kwezinye izifunda zasebekhulile) kunganikeza ukuthula kwengqondo.

Ukutshala Nokuthutha Izinqumo

Imithwalo yentela yendawo ingathonya lapho abantu bekhetha ukuhlala khona, ukusebenza, nokutshala imali. Intela yempahla ephakeme ingayehlisa ukutshala ifaktha yempahla ezindaweni ezithile, kuyilapho intela ephansi ingakhanga amabhizinisi nezakhamuzi. Kubanikazi, ukuqonda izimo zentela zendawo kubalulekile lapho kuhlola ukubuya kwempahla yokuqasha noma ibhizinisi lezentengiselwano. Ngokufanayo, izisebenzi ezikude zinokuvumelana okungakaze kube khona ngokukhetha imingcele ephansi yentela yezwe.

Uma ucabangela ukuthutha, qhathanisa hhayi nje intela yemali kanye nentela yokuthengisa kodwa futhi nentela yempahla, intela yezemisebenzi, nanoma yiziphi izilinganiso ezikhethekile. I-Treaxis Foundation’s ye-Statement Business Treaxis Index [[[FLT: 1] ihlanganisa imininingwane yentela yezifunda eziningi futhi ingasebenza njengesiqalo sokuqhathanisa.

Indlela Yokuhlanganisa Intela Yasendaweni Njengeprojekthi

Ukukhokha izintela zendawo kudinga umzamo oqhubekayo, kodwa ukukhokha intela ephansi nokungalindelekile okuncane, kukufanele.

Hlala Unolwazi Ngokushintsha Kwezinga

Amazinga entela abekwa yimikhandlu yamadolobha, amakhomishane esifunda, namabhodi esikole. Ukuzwana nomphakathi namavoti ngentela entsha noma izinga lokunyuka kuvame ukumenyezelwa kusengaphambili. Zibophelele kumaphepha-zincwadi kahulumeni, landela imithombo yezenhlalo yedolobha lakho, noma hlola ingosi kamasipala ye-webhusayithi ye-website ka-Caltine. Ukwazi ukuthi isilinganiso sendiza siza ngezinyanga eziyisithupha kukunika isikhathi sokulungisa indlela yakho yokusebenzisa imali noma ukuhlola amasu okulinganisela.

Bonana Nochwepheshe Bentela

Uchwepheshe ogunyaziwe we-akauntare yezemali yomphakathi noma inxusa elibhaliwe elisebenza ezweni lakini nendawo inganikeza iseluleko esivumelanayo. Lokhu kubaluleke kakhulu uma unebhizinisi, unezakhiwo zokuqasha, noma uhamba phakathi kwezindawo zokulawula. Uchwepheshe angakusiza ukuba uqaphele izikweleti ongase ulahlekelwe − njengokuthengwa kwentela yempahla ebuyayo kahulumeni (ngokungaphansi kwe-UR120 000 SALT cap) futhi aqinisekise ukuthi uvumelana nazo zonke izimfuneko zemali zendawo.

Yandisa Izikhungo, Izikweletu, Nentengo

Kukhona izinhlelo eziningi zokunciphisa udosi lwentela yendawo. Izibonelo ezivamile zihlanganisa:

  • Intethelelo esekhaya [ enciphisa inani lempahla elikhokhelwa izindlwana eziyinhloko.
  • [ isakhamuzi esikhubazekile sifaka iqhwa elikhuphuka ikepisi kubantu abafanelekayo.
  • [[I-FLT:0] ikhulula [ komakad ’ ebona abakhubazekile noma abangane bomshado abasaphila.
  • [ Izikweleti ezinamandla ezibolekisayo zokufaka ama-plane elanga noma izinto ezisebenza kakhulu, ngezinye izikhathi ezinikezwa yizinto ezisebenza kahle zendawo noma ohulumeni.
  • [[INTLA:0] ikhulula intela [ ekuthengeni okuthile (umz., imishini yokukhangisa, izinto zokulima).

Izinhlelo eziningi azikhangiswa kakhulu endaweni yakini, ngakho kungase kudingeke uthintane nehhovisi lomhloli wentela noma inkampani yezentengiselwano zezomnotho ukuze uthole ukuthi yini ekhona.

Ukuhlela Ukudluliswa Kwentela Yempahla Neziteji Zokubhapathiza

Uma unekhaya, qonda umjikelezo wokuhlola impahla endaweni yakini. Ngokuvamile i-asses zenzaka minyaka yonke noma iminyaka embalwa. Uma ukholelwa ukuthi ukuhlolwa kuphakeme kakhulu, mhlawumbe ngenxa yemakethe enciphayo noma amaphutha erekhodini lempahla .Buthelani imininingwane efanayo yempahla futhi ifake isikhangiso esisemthethweni. Le nqubo iphansi kakhulu futhi ingakusindisa amakhulu ama-dollar iminyaka ezayo.

Futhi, cabangela izindlela ongazikhokha ngazo. Ezinye izindawo zivumela ukukhokha imali ngekota noma ngenyanga esikhundleni senkokhelo eyodwa yaminyaka yonke, enganciphisa ukugeleza kwemali. Uma unenkinga yokukhokha, buza ngobunzima bokukhokha izindleko eziphansi noma amasu ahlukene.

Isici Esiyinhloko Sentela Yendawo Ezinqumweni Ezinkulu Zokuphila

Lapho uthenga indlu, uqala ibhizinisi, noma ukwamukela umsebenzi edolobheni elisha, hlanganisa ukuhlaziya intela yendawo enqubweni yakho yokwenza izinqumo. Sebenzisa i-inthanethi yezindleko zomshini ophilayo ohlanganisa imininingwane yentela. Abathengi basekhaya, bacele intela yamuva yomthengisi futhi babuze nganoma iziphi izikhokhiso ezikhethekile ezizayo (umz., ezikoleni ezintsha noma ezithuthukisiweni zemigwaqo). Umsebenzi unika, qhathanisa intela yenetha ngemva kokukhokha intela nezindleko zemali (ezingase zithonywe yintela yegesi yendawo noma intela yezimoto).

Ukuqhathanisa Intela Yendawo Namacala

Ukuze kubekwe intela yendawo eqondile, kuyasiza ukubona ukuthi baqoqa kanjani ngokwesizwe. Ngokwemininingwane yamuva evela kuyi-Treats Foundation, isilinganiso sentela yesifundazwe nesendawo ehlangene e-United States sicishe sibe ngu-8,5%, kodwa amazinga asukela ku-4% ezingxenyeni zeHawaii kuya kwezingaphezu kwe-10% emadolobheni amakhulu. Izinga lentela yempahla liyehluka kakhulu: intela esebenzayo (inani eliphelele njengenani lasekhaya) kusukela ku-0,5% eHawaii kuya ku-2% eNew Jersey nase-Illinolinois.

Intela yeholo yendawo, nakuba ingavamile ingahlanganisa inombolo 1% kuya ku-4% noma ngaphezulu kwentela kahulumeni. Emadolobheni anjenge Philadelphia, intela ekhokhelwayo icishe ibe ngamaphesenti amane ezakhamuzi. Kuhola wemali ephezulu, lokho kungasho izinkulungwane zamaRandi ngonyaka.

Lapho uqhathanisa izindawo, ungabheki nje uhlobo olulodwa lwentela. Indawo yentela yempahla ephansi ingaba nentela ephakeme neholo, futhi intela ekhokhelwayo ingabi yiyo. Ingqikithi yentela esebenzayo, ingqikithi yayo yonke intela yendawo njengengxenye yeholo(iyi-metric). Amawebhusayithi amaningana anikeza ukuqhathaniswa kwesilinganiso semali yentela yesifunda.

Isiphetho: Lawula Isimo Sakho Sentela

Izintela zendawo ziyingxenye ehlala njalo yezezimali, kodwa akudingeki ukuba zibe yimbangela yokukhathazeka noma izindleko ezingadingekile. Ngokuqonda izinhlobo zentela obhekene nayo, ukuhlolwa kwezinguquko, ukusebenzisa izintethelelo ezikhona nezikweleti, nokufuna isiqondiso sochwepheshe lapho kudingeka, unganciphisa umthwalo wakho futhi wenze izinqumo ezingcono kakhulu zezimali. Kungakhathaliseki ukuthi ungumninikhaya, umqalisi, umnini-bhizinisi, noma isisebenzi esikude, ukufunda intela kuyindlela ethatha isikhathi eside ekuvikeleni isikhwama sakho sentela.

Khumbula ukuthi izenzo ezincane zenza inqubo yokuhlola, ukuthenga engxenyeni yesifundazwe, noma ukucela ishende elishisiwe eliyindawo yokuhlala elishiyiwe. Hlala ufundile, uhlale umatasa, futhi uzokugwema intengo yendawo ngokuqiniseka.