Mitero Paunotengesa Imba

Capital Gains Kusarudzwa kweMakamuri Okutanga

Kutenda kuMutemo weRibhadharo Rokubhadhara Mutero we 1997, pamwe haungatori mutero mukuru wemitengo inowanikwa kana iwe uchitenga nzvimbo yako yekugara. Vateresi vanogona kusarudzira kusvika ku $ 250,000 muzvikwereti zvikuru pavanotengesa misha yavo, uye kusvika ku $ 500 000 kana iwe wakaroorana uye uchisunga kubatana. Iyi inoshandiswa mutero inoshandiswa inozivikanwa sekuregwa kweClass 121.

Ko Chikamu 121 Chisina Basa?

Heino muenzaniso.

Brian muLouisana ane uye akagara mumba make kwemakore matatu. Anoronga kutengesa imba ye $ 150 000, uye akatenga imba ye $ 105,000. Brian akabvunza kuti, "Ndiripi mutero wemutero wandinofanira kuripa kana ndichitengesa? Ndinoziva kuti ndinofanira kubhadhara mari yevatori, asi chii, kana chiripo, mamwe mitero inoshanda?"

Zvechokwadi, pangangodaro kutengeswa, matampu kana kuti mitero yemitero inowanikwa paunenge uchitengesa imba, uye iyo mitero inorondedzerwa zvakadzama pamusoro pemashoko ekugadzirisa akagadzirirwa nekambani yepamusoro panguva yekuendesa. Asi Brian haafaniri kubhadhara mari ipi neipi yemitero yekutengesa pamusana pekuwana kwake-mutsauko pakati pemutengo wekutenga kana mutero wake wekutengesa uye kutengeswa kunowanikwa- $ 45,000, zvakanyanya kudarika $ 250,000 kubviswa.

Brian anosanganawo nechimwe chinhu chinonyangadza. Iko Internal Revenue Service inoti mwenedzi weimba anofanira kunge ane dzimba uye akagara munzvimbo yacho seimba yake yekugara kwemakore mashanu apfuura.

Brian aigara mumba make kwemakore matatu, saka pfuma yake yepamusoro inenge madhora makumi mashanu nemakumi mashanu emadhora ($ 45,000) yaizove isina mutero zvachose.

Uye heino mamwe mamwe mashoko akanaka: Chikamu cheCape 121 hachisi chirongwa chimwe chete-pfuti. Iwe unogona kutengesa zvakakwana nzvimbo yako yekugara kwemakore maviri pasina kubhadhara mutero chero upi zvawo unowanikwa muhomwe.

Iwe haufaniri kunyange kutaurira kutengesa kweimba yako pamutero wako wekubhadhara kana iwe uchiwana iwe usingapfuuri $ 250,000 kana $ 500,000 kana iwe wakaroorana.

Chikamu Chisarudzo

Vateresi vanotengesa nzvimbo dzavo dzekugara vasati vasangana nekutonga kwemakore maviri-kunze kwemazuva mashanu vangaramba vachikwanisa kusarudzwa zvishoma pane zvavanowana. Mutero wemutero unobvumira vateresi kubvisa chikamu chemari yavo inowanikwa mukana kana vachifanira kutengesa kuti vadzokere kumabasa, nekuda kwehutano, kana nekuda kwezvimwe zvisingafanoonekwi.

Kana wako waunoshandira achikuendesa kune imwe nzvimbo kune imwe mhenderekedzo mushure mekugara iwe mumba mako kwegore rimwe chete, kutengeswa kweimba yako kunobatanidza basa uye kwete chimwe chinhu chawakasarudza kuita nemaune. Iwe haufaniri kutora mutero mukuru, asi iwe haugoni kushandisa rose $ 250,000 kubviswa. Kana iwe wakanga uri kugara kwegore rimwe chete, wakagara mumba mako kwe50 muzana yenguva inoda. Wedzera 50 muzana ne $ 250,000, uye mugumisiro ndewokuti iwe unogona kubvisa pfuma yepamusoro $ 125,000. Iwe unongobhadhara mari yaunowana pane chero ipi zvayo inowedzera ichi.

Nhengo dzemauto dzakasunungurwa zvachose kubva kutonga kwemakore maviri kusvikira kumakore gumi kana vachida kutama nekuda kwezvipindiro zvebasa.

Saka endai mberi mutengese imba yenyu musinganetseki nezvaMunun'una Sam.

Kunze kwekunge iwe uchicherechedza mari yakawanda yakawanda kana iwe wakangogara imomo kwenguva pfupi, iwe unogona kunge uchidaro usingabhadhara mutero.

Cherechedzai: Mitemo yemitero inoshanduka nguva nenguva, uye iwe unofanirwa kubvunzurudza unyanzvi wemitero kune mazano akawanda-kusvika. Mashoko aya ari munyaya ino haafananidzi sekupa mazano emitero uye haisi kutsiva mazano emitero.