Purogiramu E Mazano Emitero
Vagari venyika vanofanira kuchengetedza zvinyorwa zvakanakisisa pamusoro pemari, mari, uye mari, uye nhamba imwe yenzira yakanakisisa yekuchengetedza zvinhu zvose izvi ndeyekuisa sarashiti - muteresi wako wemutero angave ane template yaungashandisa.
Hezvino zvinhu zvaunoda kutevera:
- Mutengo wekutenga weimba, condo, kana chivakwa chemba iwe uri kuchitsvaga
- Yakagadzika depreciation, uye ikozvino kuora kwegore pagore rako
- Kukodzwa mari
- Chengetedza inokupa iwe wakagamuchira
Iwewo unoda kuchengeta nhamba yemari yakasiyana-siyana inobatanidza neimba yako yepamba, kusanganisira:
- Komisheni kana mari yekuchengetwa kwemari
- Kutengesa mari
- Kuchenesa, kuchengetedza, uye kugadzirisa mari
- Vashandi veimba yeHomes uye HOA vari
- Real estate tax and mortgage interest interest
- Chengetedzo inoshandiswa kubhadharwa kumumiriri
- uye zvimwe zvakasiyana-siyana zvinoshandiswa, zvakadai sezvishandiso, kugadzira nzvimbo uye kugadzirisa marara
Kana iwe ukacherechedza izvi zvinodhaka uchishandisa purogiramu yako yemari kana pakombiyuta mapasipoti, mishumo yako yegore negore uye yemugumo ichave yakarurama pamunwe wako uye iwe unogona kuinyora zviri nyore.
Basa Risina Kurasikirwa Kurasikirwa
Heino kupa IRS mutemo wekutanga # 1: Kana imwe yenzvimbo yako yepamba ine kukanganiswa kwematare kwegore, kurasikirwa ikoko kunogona kubvumirwa nekurasikirwa uye zvikwereti zvezvose zvako zvekugara.
Ikozvino pane dzimwe nguva-kwete-iyo-yakanaka nhau: Kana huwandu hukuru hwezvinhu zvako zvose hwakashata - kukanganisa kwematare - kurasikirwa uku kunogona kunge kwakakwana, zvishoma kana kuti kusingabhadharwi zvachose maererano nezvose zvakasara zvegore nekuda kwe kusanganisa basa kurasikirwa.
Kubhadhara kunze kweimba yeimba inowanzoonekwa sechinhu chisina basa, kunyange iwe uchipa nguva yakawanda yekusarudza vashandi vakanaka, kugadzirisa chivako chekurenda uye kuongorora nzvimbo yekuchengetedza nguva dzose.
Kurasikirwa kubva pamabasa asingatauri kunongopedzisira kugadzirisa mari isina kufanira.
Kana iwe uchibatanidzwa mubasa rekurenda, chero kurasikirwa kwekodha kunogona kuderedzwa kusvika pa $ 25,000 pagore muhutano pane zvose zvekuvakirwa kwako. Vanhu vakaroora avo vanoparadzanisa vari voga yekurasikirwa kwemari yekukwereta kusvika kusvika $ 12 500 kana munhu wacho akararama ari oga nemumwe wake nguva dzose mukati megore remutero. Chiyero chekurasikirwa kwekurenda kunobvumirwa nevatori vechikamu vanoshingaira mune imwe nzvimbo yekubhadhara inowirirana zvichienderana nekugadziriswa kwakaitwa mari yakawanda yakagadziriswa (MAGI):
- Kune MAGI ya $ 100,000 kana pasi ($ 50,000 kana pasi kana muchato ichiisa zvakasiyana), kurasikirwa kwezvivakwa kunogona kuderedzwa zvizere, kusvika pa $ 25,000 ($ 12,500) muganhu.
- Kune MAGI pakati pe $ 100,000 uye $ 150,000 (pakati pe $ 50,000 ne $ 75,000 kana vakaroora vachiisa dare zvakasiyana), kurasikirwa kwevakadai kunogona kuderedzwa kusvika kumuganhu we50% we musiyano uri pakati pe $ 150,000 ($ 75,000 kana vakaroora vachiisa pamwe chete) uye MAGI.
- Kune MAGI yainodarika $ 150,000 ($ 75,000 kana vakaroorana vachiisa zvakasiyana pachavo), hapana chekurasikirwa kwekuraira kunogona kuderedzwa kune imwe mari.
Iwe Unogona Kutakura Kurasikirwa Pamberi
Izvi zvinotitungamirira kupa rupo IRS mutemo # 2: Kurasikirwa kwekukodzero kunokonzerwa nekutadza kurasikirwa kwemabasa kunogona kutungamirirwa kune gore rinotora mutero apo vanogona kukanganisa mari yebhadharo.
Izvo zvinorehwa nekurasikirwa kwemabasa zvinoshandiswa gore roga rega, asi kurasikirwa kwekurambira kunoramba kuchienderera mberi gore negore kusvikira kurasikirwa kwashandiswa kuburikidza nekuderedza mari yekurenda kana kuti kuderedzwa nemamwe mari.
Fomu 8582 inoshandiswa kuverenga kusapera kwemabasa ekurasikirwa uye kuchengeta kurasikirwa kwekurasikirwa kunowanikwa gore negore kune imwe nzvimbo.
Kurongwa Kwemitero Kwevagari veNyika
Varidzi venyika dzimwe nguva vanoita purogiramu duku apo mari yekubhadhara inokwana kubhadhara chikwereti pamwe nemitero yemitengo, inshuwarisi, uye kugadziriswa. Asi vashandi venyika vanogona kuderedza mutengo wokutenga weimba inobhadhara, uye izvi zvinogona kuchinja purogiramu shoma yezvemari mumutengo muduku wemutero - mari inodarika mari mushure mekuderedzwa kunotorwa mukufungisisa.
Zvose kazhinji, zvakadaro, vatengesi vanotarisana nemari mikuru, zvakadai sokutsva denga kana kutora imba kana mushure mekugara kwenguva refu.
Mumamiriro ezvinhu aya, zvinogona kuti muridzi weimba ane kurashika kudarika $ 25,000, asi mitemo yekurasikirwa kwebasa inogadzirisa kukanganisa kusvika $ 25,000. Zvasara zvichaendeswa kune gore rakatevera apo muridzi weimba achange ane tarisiro ane zvizhinji zvekubatsira uye achakwanisa kukwanisa kurasikirwa kwekodzero dzemitero.
Kutengesa Imba yeMotokari
Kurasikirwa kwechivakwa cheimwe nzvimbo inobvumirwa zvizere mugore raive neimba inotengeswa mumamiriro ezvinhu akakwana kune mutengi asina kukodzera.
Kutengesa imba, chivakwa chembazi kana imwe nzvimbo yekurenda haina kufanana nekutengesa imba yako yekutanga. Kungofanana neunenge uri kuverenga huwandu hwemari, chirevo chekuverenga pfuma kana kurasikirwa kweimba inotora zvinosanganisira kubvisa mari yako kubva pamutengo wako wokutengesa.
Kugadziriswa Kwemari Inoshandiswa Kwekugara Imba
Chirevo chekuverenga mari yako kubva paimba yekurenda ndeyotevera:
- Mutengo wokutenga
- Kuwedzera kutenga mari (mutero uye mari yekusimudzira, vashandi vemajeri emagetsi, nezvimwewo)
- Kuwedzera kunatsiridza (kutora denga, chiviso chitsva, nezvimwewo)
- Kuwedzera kutengesa mari (mutero uye mari yekusimudzira, vashandi vemajeri emakomisheni, nezvimwewo)
- Kuwedzera kwakawedzerwa kuderedzwa (sezvakataurwa pamusoro pemafomu ako emitero)
- Kuenzana nemari yako yekutengesa
Kuverenga purofiti yako kana kurasikirwa kwako kungave:
- Kutengesa mutengo
- Minus your cost basis
- Inofanana nekutora kana kurasikirwa kwako
Kana nhamba yakaguma ichiita zvakanaka, iwe wakaita purogiramu pawakatengesa nzvimbo yako yepamba. Kana nhamba inoberekwa isisina kunaka, iwe wakaita kurasikirwa. Kuwana pfuma inogona kubhadharwa pamwe chete sekuderedzwa kwekuwedzerwa kwepamusoro kwepamusoro 25-percent muzana wekutengesa uye chikamu semari inowanikwa muhomwe . Kutengesa zvivako zvekutengesa zvakashumwa paFomu 4797, uye chero ipi zvayo inowana mari yekuverenga inorondedzerwa pana Purogiramu D.
Real Real Estate uye Limited Liability
Vatongi venyika vakawanda vanofunga kuumba makambani, makambani asingakwanisi kubhadharwa kana kushamwaridzana kuti vawane pfuma yavo. Sangano rinogona kunge risingabatsiri nokuti makambani haasaruri mutero wekubhadhara pamitambo yakareba kwenguva refu.
Imwe kambani inosungirirwa nekambani inogona kukwanisa kupedza nguva yakareba kubudirira kune nhengo dzayo kuitira kuti pfuma ichange ichiri kukodzera kune yakasarudzwa 15-muzana yehuwandu pane nguva yakareba yekuwana. Varidzi venyika vanofanira kutaura nezveizvi nezvimwe zvepamutemo zvekugadzira kambani yezvivakwa zvinotorwa neye gweta kuti vanzwisise zvese zvepamutemo uye zvemari zvesarudzo yakadaro.