Riaan Naphezu kwe Ukupholisa imaketheabanikazi bezindlu abaningi benza imali ngokuthengisa impahla yabo ngo-2022 – futhi ingxenye yalowo moya ingase ikhokhiswe intela.
Abathengisi bezindlu benze inzuzo engu-$112,000 ekuthengisweni okuvamile ngo-2022, ukukhuphuka okungama-21% kusukela ngo-2021, kanye nokweqa okungama-78% kusukela eminyakeni emibili edlule, ngokusho kwe-ATTOMisizindalwazi sempahla yezwe lonke.
Ngenkathi abathengisi abaningi bewela ngaphansi kwemingcele ye intela yenzuzo enkuluukuthengiswa kwezindlu ngenani eliphezulu noma ubunikazi besikhathi eside bungabangela isikweletu esingalindelekile, kusho ochwepheshe.
Nansi indlela esebenza ngayo: Inzuzo yokuthengiswa kwekhaya ibhekwa njengenzuzo enkulu, ngamanani entela yenhlangano engu-0%, 15% noma 20%, kuye ngemali engenayo ekhokhiswa intela yango-2022. (Ubala “imali engenayo ekhokhiswa intela” ngokukhipha okukhulu kwezindleko ezijwayelekile noma ezihlanganisiwe emalini yakho yonke elungisiwe.)
Njengomthengisi wekhaya oyedwa, ungakhipha imali efinyelela ku-$250,000 yenzuzo yakho ezinteleni zenzuzo enkulu futhi ungakwazi ukuvikela kuze kufike ku-$500,000 njengombhangqwana ogcwalisa ndawonye, ucabange ukuthi nihlangene. imithetho ethile ye-IRS.
Kodwa-ke, ungakweleta intela yenzuzo enkulu uma inzuzo yakho yendlu idlula leyo mikhawulo.
“Kungaba umthwalo wentela omkhulu kakhulu kubantu abangakwazi,” ikakhulukazi labo abanokwazisa okukhulu nabazuzayo, kusho umhleli wezezimali oqinisekisiwe u-Anjali Jariwala, umsunguli we-FIT Advisors eRedondo Beach, eCalifornia. Uphinde abe yi-public accountant eqinisekisiwe.
Ungakufanelekela kanjani ukukhululwa okungu-$250,000 noma okungu-$500,000
Izinzuzo eziningi zabathengisi ziwela ngaphansi kwenzuzo yemali engu-$250,000 noma engu-$500,000, kodwa kunemithetho eqondile okufanele ifaneleke, kusho uMark Steber, isikhulu sezokwazisa ngentela sikaJackson Hewitt.
Umthetho wokuqala: Kufanele uhlangabezane “nokuhlolwa kobunikazi,” echaza, okudinga ukuthi ube ngumnikazi wendawo okungenani iminyaka emibili kwemihlanu edlule ngaphambi kokuthengisa.
Kukhona futhi “ukuhlolwa kwendawo yokuhlala” ethi ikhaya kufanele kube “indawo yakho yokuhlala eyinhloko” okungenani iminyaka emibili kule mihlanu edlule. Kodwa “akudingeki ukuthi kuqhubeke,” kusho uSteber.
“Leli khefu ulithola kaningi ngokuthanda kwakho,” esho, inqobo nje uma sekuphele iminyaka emibili wagcina ukucela ukukhululwa.
I-IRS inokuthile okuhlukile ekuhlolweni kokufaneleka, okuhlanganisa isiqondiso esithile samacala okuhlukana noma isehlukaniso, abakhokhi bentela abangabafelokazi, amalungu esevisi nokunye okwengeziwe, kuchazwe lapha.
Khulisa ‘isisekelo’ sekhaya lakho ukuze wehlise isikweletu sentela
Abathengisi abaningi bezindlu ababoni ukuthi akhona amandla okunciphisa inzuzo – futhi mhlawumbe nenzuzo ephansi yemali – ngokunyusa inani lentengo yendawo yabo, eyaziwa ngokuthi “isisekelo,” ngokusho kukaJariwala.
“Intengo yakho yokuthenga ikhaya iyisiqalo sesisekelo sakho,” echaza, echaza ukuthi ungabhekana nezindleko “zokuthuthukiswa kwengqalasizinda.”
“Uma umuntu esenendlu yakhe iminyaka engu-10 futhi ewudayisa, kungenzeka ukuthi usekhohliwe ukuthuthuka akwenzile,” njengokushintsha uphahla noma ukufaka izitezi ezintsha, kusho uJariwala.
Kubaluleke kakhulu ukwenza isiqiniseko sokuthi ugcina imibhalo yazo zonke izinto ozenzile emzini wakho eminyakeni edlule.
Anjali Jariwala
Umsunguli we-FIT Advisors
“Kubalulekile impela ukwenza isiqiniseko sokuthi ugcina imibhalo yazo zonke izinto ozenze emzini wakho eminyakeni edlule,” kusho yena.
Kodwa-ke, awukwazi ukufaka ukulungisa nokunakekela, njengokudweba noma ukulungisa ukuvuza, ngoba le misebenzi ayifaki inani noma inwebe impilo yekhaya.
Futhi lapho ubala inzuzo yokudayiswa kwendlu yakho, ungakwazi ukuhlehlisa izindleko onazo zokuthengisa umuzi wakho, njengamakhomishini e-ejenti noma izindleko zokulungisa indawo ngaphambi kokuyithengisa, kusho u-Jariwala.
Uma uhlela ukuthengisa esikhathini esizayo, ungaqala ukuhlela ngamarisidi ukuze unqume ukuthi yiziphi izindleko ezinganciphisa inzuzo yakho, waphakamisa. Uma kungenjalo, ungase ufune ukuthola isisekelo sakho ngaphambi komnqamulajuqu wentela.
“Kungenzeka ukuthi awunaso isikhathi esanele sokuqoqa yonke into oyifunayo, bese ushiya imali etafuleni,” kusho yena.
Yiqiniso, uma ulindele inzuzo enkulu, ungase futhi ucabangele isikhathi sokuthengisa ngokusekelwe emalini okulindelekile yonyaka noma amasu okulinganisa ukuze ukhokhe isikweletu sentela. “Kufanele ubheke ngempela [tax] buyelani ngokuphelele,” kusho uJariwala.
