Kufananidza kunogona kukonzera mari inowanikwa uye kubvisa chikwereti mari
Capital Gain kana Kurasi pa Foreclosures
Kutengeswa kwepfuma chaiyo kunowanzopfuura nenzira yekutengesa uye mutengesi anowana zvinyorwa zvinoratidza kuti imba yakaitengesa zvakadini.
Nezvipfeko, zvisinei, hapana kumira. Inokweretesa mabhenji inongotora nzvimbo yeimba. Imba yacho yakashandura maoko saka IRS inotaura kuti kufanirwa kunenge kuchiri kutengeswa, kana mune mamwe mazwi emagetsi, "maitiro" edzimba.
Nzira yekutanga yekuwana mari yakawanda ndeyokubvisa chikonzero kana mari yeimba yacho kubva pamutengo wekutengesa. Misiyano ndeyekuti mari yakawanda munhu yakagadzirwa sei, kana kuti mari yakawanda yakadii pane mutengesi. Mumamiriro ekufananidzira uye pasina kutaura kwekusimudzira, mutengo wokutengesa unoshandiswa mutero hauiti kuti uoneke. Hapana kubvumirana kune mutengo wekutengesa.
Asi kuchine "mutengo wokutengesa" wezvinangwa zvemitero. Icho chichave chiri chakanaka pamusika kukosha kweimba kana chikwereti chakakosha chechikwereti nguva pfupi kusati kwasvika, zvichienderana nerudzi rwechikwereti chawaiva nacho. Zvose izvi zviyero zvichataurwa kwauri uye kune IRS nekukweretesa chikamu paFomu 1099-A.
Kubhadhara kana kusingabhadharwi mari
Mari yako yaive iyo yekuita kana kubhadhara chikwereti chisingaiti. Zvikwereti zvinoshandiswa kuwana imba zvinowanzova zvikwereti zvisiri zvekubhadhara, asi refinered zvikwereti uye kumusha zvikwereti zvikwereti zvinowanzova zvikwereti zvekare. Izvi hazvirevi kutonga kwakakwana, zvisinei. Inogonawo kuvimba nehurumende yaunogara.
Kana iwe uine chikwereti chekubhadhara chikwereti, iwe pachako unokweretesa chikwereti uye uyo anokweretesa anogona kukutevera iwe nokuda kwekubhadhara kunyange mushure mokunge pfuma yave yakatorerwa zvakare. Muchiitiko ichi, chiyero chinoshandiswa semutengo wekutengesa kana kuverenga huwandu hwekuwana kana kurasikirwa kwako huri pasi pezvikamu zviviri zvinotevera:
- Iko mari yakakwereta yakakosha nguva pfupi kusati kwasara kusatora chikwereti chipi nechipi chaakakwereta chinoramba chiripo iye oga pamusana pekufananidzwa
- Iko mari yakashambadzirwa yekodzero yeimba iyo yakatariswa
Iwe unogona kunge wakabvisa chikwereti mari kubva kubasa rekukwereta nemhando iyi yechikwereti.
Chikwereti chisingabatsiri ndechimwe apo uyo akakwereta haasi iye pachake ane mhosva yekubhadhara chikwereti. Mune mamwe mazwi, chikwereti chacho chinogutsikana uye uyo anokweretesa haangakwanisi kutevera akakwereta kuti adzorerezvezve mushure mekudzorerazve pfuma yacho. Pamusana pezvikwereti zvisina kukodzera, chiyero chinoshandiswa semutengo wekutengesa ndicho chikwereti chakakosha chechikwereti pakarepo kusati kwasvika. IRS inoti iwe uri kutengesa zvakanaka imba kudzorera kune chikwereti kuti uone zvakakwana chikwereti chikuru. Iwe hauzove nechikwereti chakaregererwa mari nokuti mari yako inorambidzwa nemutemo kubva kukutsvaka iwe kubhadhara.
Kurondedzera Guta Guru kana Kurasikirwa
Mushure mokunge maziva mari yechikwereti chawaiva nacho paimba yako, unogona kuona mutengo wekutengesa.
Kana iyo nzvimbo yakatarisa yaive yako yekugara, rondedzera kufanirwa kweSheji D uye Fomu 8949. Iwe unogona kukodzera kusabvisa kusvika ku $ 500,000 ye pfuma kubva pamutero wemari inowanikwa kune mamwe mitemo:
- Imba yacho ndiyo yaimbogara iwe.
- Iwe wakararama mairi kwevamwe vaviri vekupedzisira mashanu.
Mumwe nomumwe mutero anokwanisa kubvisa $ 250,000, uye vateresi vakaroorana vanonyora pamwe chete vanogona kudarika mari iyoyo.
Dzimwe mimwe mitemo inoshanda. Kana nzvimbo yakatarwa yakanga yakasanganiswa-yaishandiswa-ndiyo yaive yako yekugara pane imwe nguva uye imwe yechipiri yekugara pane imwe nguva-iwe unogona kunge uchikwanisa kubviswa kubva pamutengo wemari inowanikwa pasi pemitemo yakashandurwa yekuverenga kuwana kana kurasikirwa kwako .
Kubva muna 2017, mutero wekutengesa kune nguva yakareba yekuwana mari yezvivako, avo vane gore kana kure, ndeye 15 muzana yevateresi vanowira mu25 kusvika ku35 muzana mabhatikiti emitero.
Mutengo wacho ndeye 20 muzana yevaya vanowira mu 39.6 mabhakiti emitero. Varidzi vepamba vanowa mu10 kana 15 muzana musangano wekero vangasafanira kubhadhara mutero unowanikwa mutero zvachose. Kudai iwe waiva neimba yako kwepasi pasi pegore, unofanira kubhadhara mari inowanikwa mubhadharo imwechete iyo inoshandiswa kune yako yaunowana mari-mune mamwe mazwi, maererano nebhadha yako yemutero.
Kana iyo nzvimbo yakatarwa yaiva nzvimbo yekubhadhara, taurira kutengeswa paFomu 4797.
The Mortgage Forgiveness Debt Relief Act
Foreclosures inogona kukonzera mari inotengesa kunze kwemari inowanikwa. Kana uyo anenge achikweretesa akanganwira kana kubvisa chikwereti chemari chikwereti chekubhadhara chikwereti, iwe unogona kuisa izvi semari inowanikwa, asi pane zvishoma zvingave zvisingabatanidzi zvikwereti zvekubhadhara mutero.
Chinokosha pane izvi ndeyekuregererwa kwechikwereti kuchengetedzwa neimba yako huru. Pasi pemutemo wekutengesa chikwereti chekubhadhara chikwereti, kubvisa chikwereti kusvika kusvika $ 2 mamiriyoni kunogona kusarudzwa chero bedzi chikwereti chacho chakashandiswa kutenga kana kuvaka imba yako huru. Iyi mitero yakasarudzwa inopera pakupera kwegore ra2016, asi ichiri kuvhara chikwereti chakakanganwirwa muna 2017 kana chibvumirano chakanyorwa chakapinda muna 2016. Uye Congress yakavhurazve nyaya munaJanuary 2017, saka zvinogona kuti Mutemo uchazopedzisira wawedzerwa mune ramangwana makore.
Mitero Yekupa Mitero Fomu Fomu 1099-A uye Fomu 1099-C
Fomu 1099-A inokonzerwa nebhangi mushure meimba inenge yave yakatemerwa. Inoshuma musi wekutsvaga, mararamiro akakwana emari yeimba yacho, uye chikwereti chakakosha chechikwereti nguva pfupi kusati kwasvika. Iwe unoda ruzivo urwu apo uri kutaurira chero mari ipi inowanikwa mari inowirirana nehuwandu hwekufambisa.
Fomu 1099-C inobudiswa nebhangi mushure mekunge bhengi raregererwa kana kukanganwirwa chero chikwereti pane chikwereti chekudzorera. Iyi fomu icharatidza kuti chikwereti chakaregererwa sei. Kana munhu anokweretesa zvose zviri pamberi peimba uye achibvisa chikwereti chisina kubhadharwa mugore rimwe chete, unogona kugamuchira imwe chete Fomu 1099-C iyo inoshuma zvose kusarudzwa uye kubviswa kwechikwereti pane kugamuchira zvose 1099-A uye 1099- C.