Mamiriro Ose Ega ndeye Unique for Relief kubva kuShave Sale Taxation
NaJulian Block , Gweta
Kana uri kutsvaga kutengesa kutsvaga kwekutengesa mutero, kwete vese vatengesi vachave nekodzero yokubhadhara chikwereti mushure mokutengeswa kwenguva pfupi. Zvisinei, kuchinja kukuru mumutsetse wemitero kunobatsira mamiriyoni edzimba vatengesi vane chikwereti pane zvimwe zvekuchengetedza mari kupfuura zvavanogara. Vaya vatengesi vane unyanzvi husina kunaka - mamiriro ezvinhu anozivikanwa colloquially seanomira pasi kana pasi pemvura. Mutemo wakaenda pamabhuku ekutanga kwa2007 unobatsira vamwe vakaderera uye hauiti zvachose kune vamwe.
The Mortgage Forgiveness Debt Relief Act
Iyi ndiyo nzira iyo kuputsa kunoshanda. Ngatiti Sela Sellers anotora zvaanogara mune kutengesa kutsvaga kwechikwereti chinopisa chikamu chisina kubhadharwa chemari yake. Kana kuti ngatitii kukweretesa kambani kunotangira nzvimbo yekugara, uye inozoitengesa uye inodzinga chikamu chechikwereti chake. Kazhinji, mutero wemutero unoda kuti Sela ataure zvikamu zvishoma kana zvizere zvakakanganwirwa pafomu yake 1040. Kwete zvakare. Mutengo wekuregererwa Kwekubhadhara Mutero Mutemo wegore ra2005 unosanganisira urongwa hunobvumira kumba vatengesi vakaita saSela kuti vasatore mari yakawanda ye $ 2,000,000 yekwereti yakarambidzwa.
Sela asiri kunze (kuregerera) mitero chete kana achizadzisa zvakataurwa zviviri:
- Kuchengetedzwa kwekubhadhara mari yake ndiyo nzvimbo yake huru yekugara, zvinoreva nzvimbo yaanogara nguva zhinji yegore.
- Anowedzera chikwereti kutenga, kuvaka kana kunyatsoshandisa hugaro hwake hukuru.
Kukanganiswa Chikwereti Penguva Pfupi Yokutengesa
Ikoko hakuna ruzamuro rwemari yekuchengetwa kwemusha kweSela kana mari- kubhadhara chikwereti chekubhadhara mari , kunze kwekushandisa kwaanoita mari yekugadzirisa.
Mamwe mabhuku akanaka anorega kubatsirwa kana vateresi vake vakanganwira zvikwereti pamisha yezororo uye kune dzimwe dzimba dzechipiri kana kuti dzimba dzinotora .
Mitemo yekare-kare inoda kuti vateresi vataure zvikwereti zvose zvakakanganwirwa pamafomu avo 1040, zvakangofanana nemari inowanikwa kubva mubhadharo kana muzvikwereti. Mitero yeInternal Revenue Service yakakanganwirwa zviyero pamitengo yemari inowanikwa kubva kune zvinyorwa semitengo.
Vamwe vakakanganwirwa zvikwereti vanorega mitero. Mutemo unotsanangura zvisizvo zvakasiyana-siyana zvakavharirwa. Zvinosanganisira kubhadhara uye kusuruvara.
Kusagadzirirwa Kubudiswa Chikwereti Chikwereti
Izvo zvakasunungurwa muna 2007 zvinobatsira vanhu vane zvikwereti zviduku kana kuregererwa muzvirongwa izvo zvinozivikanwa se:
- Mari yechiri kuchinja
- Foreclosures
- Mabasa pane nzvimbo yekufananidzira
- Short sales
Ichi chikamu chekupedzisira ndiro izwi kune muridzi we-nekutenderera kune chikwereti - kutengesa kwekutengesa kwekutengesa kwekutengesa (mutengo wakazara wekutengesa kusabhadhara mari yemutemo, broker's commission nezvimwe zvinodhura) izvo zvisingakwanisi kuvhara zvose chikwereti chakakosha.
Mukutora kutsanangura, kubviswa ndeyekuwana mari kubva pakudzingwa kweQPRI, kupfupika kwemhosva yakakosha yekugara. Izvi zvinoreva zvikwereti zvinotorwa nevaridzi kuzotenga, kuvaka, kana kuti kunyatsoshandisa humba hwavo hwekugara. Uye dzimba dzekugara ndezvivimbiso zvezvikwereti.
Ikoko zvakare kuregererwa kwechikwereti kunoderedzwa kuburikidza nekugadziriswa kwemitengo, pamwe chete nekwereta inoshandiswa kugadzirisa QPRI. Pano, pane zororo, asi chete kusvika kuhuwandu hwekare hwekutora chikwereti, nguva isati yasvika.
Chimwe chipingamupinyi ndechekuti kubviswa hakubatsiri vadzidzisi vekumba avo vakashandisa kubhadhara muzvivako zvemaimba kuti vaite "cash-out" yekugadzirisa, umo vasina kushandisa mari yekugadzirisa nzvimbo dzavo dzekugara. Pane kudaro, vakashandisa mari yacho kuti vabhadhara chikwereti chekadhi rechikwereti , zvikoro zvekudzidzira, mari yekurapa, kana zvimwe zvimwe zvinoshandiswa.
Mutero wekuregererwa chikwereti chekutengeswa pfupi hakushandi muCalifornia, pasi pemamiriro mazhinji, zvichienderana neCalifornia Code Civil Code 580e. Nzira yekuenda kuCalifornia kutengesa kutsvaga yakasiyana nemitemo inotungamirira kutengesa kutsva mune dzimwe nyika. Chikamu chekuzorodzwa kunokonzerwa nekuti mabhangi haabvumirwi kutsvaga vatengesi mushure mekupera kwekushaiwa.
Zvakare, tapota chenjerera kuti kubvisa chikwereti hachisi nyaya yehurumende chete. Iwe unogona kuongorora kutarisa nehurumende yako pachako kuti uwane mikana yekubhadhara inoshandiswa kumamiriro ako chaiwo. Somuenzaniso, Franchise Tax Board yakabudisa tsamba muCalifornia inosunungura vatengesi vakawanda.
Pano panewo chivimbiso Congress ichaenderera mberi kuwedzera iyo Mortgage Forgiveness Debt Relief Act, kunyange pane bhiri rinenge richimirira kuwedzera kuburikidza ne 2018.
Julian Block muteresi wemutero muLarchmont, NY
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.
Yakagadziriswa naElzabeth Weintraub, Kutenga Kwekumba Kwekumba