Iwe unofanirwa kuudza iyo 1099-A ruzivo asi iwe haungatori mutero warova
Iwe unogona kuwana maFomu mazhinji 1099-A yeimba imwe chete kana iwe uine mari yakawanda yekutengesa kana kubatana nayo uye kune vanopfuura chikwereti chimwe chete chaibatanidzwa mukugadzirisa.
Asi usatya. Hezvino izvo zvaunoda kuziva.
Foreclosures uye Capital Gains
Iko Internal Revenue Service inobata chirevo chekufananidzwa zvakafanana nekuti iwe wakanga watengesa zvinhu zvako. Iwe uchafanirwa kuverenga mari yako yekuwana kana kurasikirwa, asi zvakasiyana nekutengeswa kwemazuva ose, hapana "mutengo wokutengesa" munyaya iyi. Iyi ndiyo iyo Fomu 1099-A inowanikwa.
Ruzivo paFomu 1099-A
Iwe uchada zuva rekutengesa uye mutengo wokutengesa weimba yakatariswa kuti ubike zvakanaka "kutengeswa" kune IRS, uye uchawana ruzivo urwu paFomu 1099-A. Nokuda kwemutengo wekutengesa, iwe uchashandisa pamwe chete mutengo wemari yeimba yacho kana chikwereti chakakosha chechikwereti panguva yekutsvaga.
Chikwereti chakakosha chekubhadhara chinowanikwa mubhokisi 2 uye nzvimbo yepamusoro yemari yemari inowanika mubhokisi 4 ye1099-A. Zuva rekufananidzira rinoratidzwa mubhokisi 1 uye izvi zvichashandiswa sezuva iro nzvimbo yacho yakaraswa-kureva, "zuva rekutengesa
Vateresi vanofanira kuzivawo kana chikwereti chaiva chikwereti chekubhadhara kana chikwereti chisina kubhadhara . Chikwereti chakanga chiri chikwereti chekubhadhara kana uyo chikwereti akatarisa "hongu" mubhokisi 5 inobvunza kuti "Wakakwereta pachako akatokodzera kubhadhara chikwereti here?"
Une Mikana Here Kana Kuti Kurasikirwa?
Kubudirira kwepfuma kunorondedzerwa pane Purogiramu D yemisha yaive nzvimbo dzekugara.
I IRS haibvumiri vateresi kuti vaite kuda kurasikirwa pane zvekugara. Chero ruzivo-uye hongu, kufanirwa kunogona kuita kuti pfuma iwane-inogona kuregererwa nemari inowanikwa kubva kune imwe imba kuitira kuti zvisingabviri kuti kuzarura kuchaita kuti chero mari inowanikwa mubhadharo inouya.
Iwe unofanirwa kuudza iyo 1099-Ruzivo chero zvakadaro, asi iwe haufaniri kutora mutero warova.
Kurondedzera Kufanotaurwa
Shandisa zuva rekutsvaga mubhokisi 1 re1099-A sezuva rako rekutengesa, uye pinda mutengo wokutengeserana pane Purogiramu D. Ichi chichave chiri chikamu mubhokisi 2 kana muhomwe mubhokisi 4. Ndebhopi bhokisi iwe kushandiswa kunobva pane mitemo yekukweretesa yehurumende iyo nzvimbo yacho yaive iripo saka chengetedza neunyanzvi hwemutero wemo kuti uone kuti unosarudza yakarurama.
Kuverenga Zvaunowana
Iwe unogona kuverenga pfuma yako nekuenzanisa "mutengo wekutengesa" wawakashandisa mutengo wako wekutenga, iyo inotora mari yako muimba yacho. Mashoko aya anowanzowanika pane HUD-1 chirevo chekuvhara chawakagamuchira pawakatenga nzvimbo. Misiyano pakati pekutengesa mutengo uye mari yako yekutenga ndeyekuwana kwako. Pinda izvi pane Purogiramu D uye pamutsara wechi13 weFomu 1040 mutero wadzo.
Investment Properties
Shandisa Fomu 4797 kana nzvimbo yakatarwa ichitsvaga kana kuti inoshandiswa.
Iwe unogona kunge uchida rubatsiro rwezvenyanzvi yemutero munyaya ino nokuti pane zvimwe zvinhu zvinotora mukutarisa, zvakadai sekudzoka kwekuderera kwekuderedza , kusaita mabasa ekurasikirwa carryovers, uye kubvisa chero mari yekupedzisira yekubhadhara mari uye mari .
Fomu 1099-A vs. Fomu 1099-C
Iwe unogona kugamuchira Fomu 1099-C panzvimbo yeFomu 1099-A kana wako chikwereti zvose zviri zviviri zvakagara zvataurwa pamusoro pechipfumi uye ukabvisa chero zvakasara zvekutenga chikwereti chawakakwereta. Muchiitiko ichi, IRS inotora nzvimbo yawakagamuchira mari kubva kubasa-iwe wakagamuchira mari kubva kune chikwereti kutenga imba yako uye iwe hauna kubhadhara mari iyo yose zvakare.
Asi kunyange zvazvo chikwereti chakakanganwirwa chakataurwa pamusoro peHurumende 1099-C inowanzowanikwa mari inoshandiswa, Mutemo Wechipfuwo Chekuregererwa Kwebato reMutemo kazhinji haisi kubhadhara mari yekunamatira yakanatswa kuburikidza nekufananidzwa.
Chiitiko Chinokosha
Iyi inobhadhara mutero inokubvumira kuti usabvisa zvikwereti zvekunamatira zvakabviswa kuburikidza nekufanirwa kwekugadziriswa kwemashoko akazopera musi waDecember 31, 2016, asi Bipartisan Budget Act yakafuridzira upenyu hutsva mairi munaFebruary 2018. Yakadzoserwa zvakare kuti iite gore rekutere 2017. Inguva chete ichataura kana Congress inodzokorora zvakare zvakare muna 2018 uye makore anotevera.
Nokuti ikozvino, urongwa uhwu hunosanganisira zvibvumirano zvekufananidzira zvakapindirwa muna 2017. Unofanira kufanirwa kana zvikwereti zvako zvezvikwereti zvakapfuura kukosha kwezvinhu zvako nguva pfupi nguva isati yaitika. Izvi zvinoreva kuti iwe uri "insolvent" uye iwe unofanira kungozivisa chete chikwereti chakaregererwa pamutero wako wekubhadharisa kusvika pawakapfuura kukunda kwako-kusiyana pakati pezvikwereti zvako uye zvinhu zvako.
Semuenzaniso, unogona kunge uine zvikwereti zvinokwana $ 300 000 uye zvinhu zvako zvose zvakasara zvinokoshesa pa $ 200,000. Ndiyo musiyano we $ 100,000. Kana iwe chikwereti chako chikanganwira kana kubvisa $ 120,000 mubhadharo wekutora chikwereti chako, iwe unongotaurira $ 20,000 semari-mari iyo inopfuura $ 100,000 insolvency.
Cherechedzai: Mitemo yemitero inoshanduka nguva nenguva kuitira kuti iwe unofanirwa kubvunzurudza unyanzvi wemitero kune mazano akawanda-kusvika-zuva. Mashoko aya ari munyaya ino haatauri semazano emitero uye haisi kutsiva mazano emitero.