Nzira neZvibvumirano zveMunhu weKuvakidzana Anokodzera

Dzidza Nezve Zvipo uye Njodzi Dzinobatana neQPRTs

Munhu Akakodzera Person Residence Trust, kana kuti QPRT kwenguva pfupi, iyo inokosha yekutendeseka kusingagadzirwe yakagadzirirwa kubvisa kukosha kwekugara kwako kwekutanga kana imba yechipiri kubva kune yako taxable estate pamutengo wakaderera we federal chipo chemutero uye mutero wematoro.

Nokuti kuumba QPRT uye kuendesa ugove hwekugara kwako kune chivimbo, nokuda kwezvinangwa zvose uye zvinangwa, mutengesi usingakwanisi kushandiswa nyore, iwe unoda kunzwisisa zvose zvinobatsira nehana zvinoshandiswa nekushandisa QPRT usati wasarudza kana iwe uchifanira kusanganisira imwe sechikamu chemari yako yehupfumi.

Makomborero ekushandisa QPRT

1. Kunobvisa kukosha kwekugara kwako kwekutanga kana kuti kwechipiri, uye kuonga kwese kweramangwana, kubva kune yako inotengesa pfuma pamakumi emadhora. Semuenzaniso, kana imba inokwana $ 500,000, zvino zvichienderana nezera remwene weimba, chido chekuda, uye mari yakachengeterwa mari yakasarudzwa yeQPRT, muridzi weimba angashandisa zvishoma ne $ 100 000 yemararamiro ake ehupi kuti awane $ 500,000 nhumbi kubva kumutero wayo. Icho chiri chekuita chikuru chebha, kunyanya kana kukosha kweimba kunowedzera zvakanyanya, kuti, kune $ 800 000, kana kunyange $ 1 000 000, nenguva iyo mwene weimba achifa. Uye nemisha inoodza mwoyo yemhuri, ikozvino inguva yakanaka yekufunga kuumba QPRT.

1. Inobvumira kushandiswa mberi kwekushandiswa kwekugara uye kubhadhara mitero. Munguva yekuchengetwa kwemari yenguva yeQPRT, muridzi weimba anogona kuramba achigara muimba yekugara-isina mari uye achakwanisa kutora zvose zvinokonzerwa nemitero yakabhadhara.
2. Hedges pamusoro pezvinobvira zvinoderera muhupenyu hwekupa chipo chekupa mubhadharo uye kubhadhara mutero wematoro. Kana kukosha kweimba yako kuchikosha, saka ikozvino kwoupenyu hwekupa mukana wekubhadhara mutero we $ 5 340 000 ichakubvumira iwe kutanga QPRT pasina kubhadhara chero zvipo zvepaini. Uye kana mune ramangwana mutero wekutengesa mutengo wakaderedzwa zvakanyanya, taura pasi kusvika ku $ 1 000 000, ipapo iwe uchave wakavhara muhutano hwekugara kwako kune zvipo uye zvekutengesa mitero yeimba uye haufaniri kunetseka pamusoro pekuti imba ichakoshesa sei kukoshesa kana kuti chii chaunosungirwa mutero paunenge wafa.

1. Inoita nhaka yemhuri yako. Kana imba yako iine yerudzi rwaunoda kuti mhuri yako irambe ichienda kune zvizvarwa zvinotevera, zvakadai segungwa rekumaodzanyemba, kottage pane gungwa kana nzvimbo yekugara mumakomo, ipapo kushandisa QPRT kuchakubvumira kupfuura kugara kune vagari venhaka yako nenzira yakadaro inozovakurudzira kuti vade kubatisisa.
2. Kubhadhara rendi pamagumo emari yakachengetwa nguva inobatsira kuti uwedzere kuderedza yako inotengesa mari. Kana iyo yakachengetwa nguva yeHPRT inoguma, iwe unofanira kubhadhara mari yakatarwa yemakero kune vagari venhaka yako kuitira kuti ugone kuramba uchishandisa nzvimbo. Kunyange zvazvo izvi zvingaita seimwe yezvinhu zvinokuvadza zvinoshandiswa nekushandisa QPRT, zvichakubvumira kuti upe zvakawanda kune vagari venhaka yako pasina kushandisa zvipo zvekuregererwa kwegore kana zvimwe zvehupenyu hwako hwekuregererwa kwemutero.

Njodzi Dzinosanganiswa Nekushandisa QPRT

1. Kutengesa imba yeQPRT kunogona kuva kwakaoma. Chii chinoitika kana mamiriro ako ezvinhu achichinja uye iwe uchida kutengesa imba yeQPRT? Kutengesa imba yaQPRT inogona kunge yakanyengera - iwe unogona kuisa mari yekutengesera mumusha mutsva kana, kana iwe usingadi kutora nzvimbo yekugara, zvino uchatora mari yekutengeswa kwemari nenzira ye annuity.

1. Vagari venhaka vachagara nhaka yekugara nemutero wenyu wekuwana mari panguva yechipo muQPRT. Izvi zvinoreva kuti kana vagari venhaka vachitendeuka vachitengesa imba mushure mokunge mari inowanikwa mari inoguma, ivo vachabhadhara mari inowanikwa mubhadharo inobva pakusiyano pakati pemutero wenyu wekusvika panguva yechipo muQPRT uye mutengo imba inotengeswa. Ichi ndicho chikonzero QPRT yakakosha yekugara iyo vagari venhaka vanogadzirisa kuchengetedza mumhuri kwezvizvarwa zvakawanda. Asi ramba uchifunga kuti pamwe nekutengesa mutero iye zvino pane 40% uye iyo yepamusoro inowanikwa parizvino iye zvino pa20%, mari inowanikwa inowanikwa inogona kunge inonyanya kudarika inotengesa mutero.
2. Apo iyo yakachengetwa nguva yeperi inoguma, iwe unofanira kubhadhara renhi kuti uwane nzvimbo yekugara. Kana imwe nguva yakachengeterwa mari inoguma, umiridzi hwekugara huchapfuura kune vagari venhaka, uye naizvozvo hauchazove nekodzero yekugara uye kugara muimba yekubhadhara-isina. Pane kudaro, iwe uchafanira kubhadhara vagari venhaka yako yakanaka yekodhi yemari kana iwe uchida kuramba uchigara muimba yako kana kuti uishandise chero nguva ipi zvayo yakareba. Asi, sezvakataurwa pamusoro apa, izvi zvingaita kuti munhu aite zvinogona kukubvumira kukubvumira kupa zvakawanda kune vagari venhaka yako mune imwe chipo chekushaya mitero.

1. Apo iyo yakachengetwa nguva yekuwana mari inoguma, iwe unogona kurasikirwa nemitero yemitero yepfuma. Kana imwe nguva yakachengeterwa mari inoguma, zvinogona kunge zvisina mamiriro emitengo yemitengo, zvakadai sokuita kuti imba iongororwe patsva yakakosha yemusika kukosha kwekutengesa kweimba yekutengesa uye yekurasikirwa chero ipi zvayo yemitero inoshandiswa inobatanidzwa nekutora uye kugarisa imba nzvimbo yako yekugara. MuFlorida, imba yacho inogona kurasikirwa nemamiriro ayo emhuri kune vose vanokweretesa kuchengetedza uye mitero yemitengo kunze kwekuti mumwe kana vanopfuura vagari venhaka vasarudza kuita kuti imba yavo ive pokutanga.
2. Kana iwe ukafa musati wapera nguva yekuwana mari, QPRT inotengeswa zvachose. Kana iwe ukafa usati wapera nguva yekuwana mari, ipapo iyo yose QPRT inotengeswa uye kukosha kwekugara kuchabatanidzwa mumutero wako wekutengesa pahuwandu hwakakwana hwekutengeswa kwemari pazuva raunofa. (Asi cherechedza kuti kuregererwa kwemazuva ose emitero yakashandiswa pakusimbisa QPRT kuchadzorerwa zvachose.) Ndicho chikonzero kugadzira QPRT chaizvoizvo kutamba-kana iwe ukasarudza kuita mari yakaderedzwa, pasi iwe uchaita kukosha kwechipo chekubhadhara chauchave uchichiita, asi iwe unotofanira kupedza nguva yakagadzirirwa mari yekutengeserana kushanda. Pakupedzisira, kunyange kana ukasarudza nguva yako yekuwana mari nekuchenjera kubva pane hutano hwako huripo uye hutarisiro huri mune ramangwana, hupenyu hahuna maturo uye hunokwanisa kugadzirisa kunyange zvirongwa zvakarongwa zvakanakisisa.