Nge-mboleko kwi - 'B' inkxaso-mali mna owned indlu
Ndazithenga a condoMna behlawule ilizwe yokuthenga izinto, kwaye ndifuna ukucela ukuba le nto unobumba ukuhlawula irhafu Isibhengezo irhafu-deductible. I-real estate unikezelo irhafu i-acquisition iindleko kwaye kuya kuphela kunye computational inxalenye Zokwakha kunye building iindleko kwimeko - yerente ka-depreciable. Kungenjalo, yonyaka ipropati irhafu levied, lento kwimeko - kukrazulwa njengoko izibhengezo iindleko kusenokuba iqhotyoshelwe. Molweni apho, ngethemba ungakwazi ukufumana kum beifolge ka umbuzo uncedo: mna ihlawulwe kuba kwiminyaka eyadlulayo njengoko sole borrowers nge ekhaya-mboleko 'A', kwaye condo. I-ukuthengisa i-apartment kwaye ukuthenga indlu wathabatha indawo enye ixesha njengokuba notary. Zahlukeneyo amalungelo imali-mboleko 'A' kwaye 'B' kuba ucinyiwe kwi-idolo le Bank kwaye ebhalisiweyo. I-Bank kokuba ukuzinikela ukususela ngoko kwi, akukho ngakumbi amabango ngokuchasene omtsha ngumnini-condo, kwaye mna, ngokulandelelanayo, asiyiyo enxulumene, kwabakho umnini omtsha. Ngoku yam umbuzo: Nge proceeds ye-condo, notary ibuyisele accidentally, credit ka-usapho indlu.
Abazali bam ngabo bobabini retired kwaye kufuneka ngexesha lifetime yakho funeral sele, ihlawulwe.
Oku sele kuba zombini ewonke approx m. Uyakwazi ukwenza ezi iindleko kwi-irhafu kubuya. Condo bought kwaye cheaper rents zethu nentombi. Ukuhlawula irhafu-ofisi sele recognised i-ukuqeshisa kuba depreciation kwi.
kwaye yonyaka-income tax assessment senziwe ingqalelo.
Ukususela intombi ngoku get.
kwaye kusenokuba repaid ukuze ukuthenga le ETW-luyafuneka iimali-mboleko. Ngoku sifuna ukuba unikezelo - unencumbered cambalala zethu intombi, ngubani obligated kuye u-abakhuluwa njengoko imbuyekezo. imali ngaphandle. Ngoko ke, ngamnye abantwana bethu ingaba ufumane umnikelo ka, ibe credited ukuba yelifa lemveli, kwaye ukufa ngumzali, Survivors phambi a compulsory isabelo amabango phezulu le mali kuyakhusela.
Sele repaid i-Bank malunga ngokwayo
(Inkqubo esisinyanzelo inxalenye ngokuqinisekileyo ebeya kuba low), mna assumed ukuba kuphela notary kwaye ilizwe bhalisa iindleko, kodwa bengenako unikezelo irhafu okanye speculation irhafu.
Ngendlela esa kundoqo ngxoxo kunye notary kodwa walumkisa: irhafu-ofisi unako silindele ukwanda kwi-ixabiso STH, umzekelo, kwaye ke kuba.
Speculation irhafu yamanzi. Oko bekuya kutshabalalisa zethu Isicwangciso nokunikezelwa de irhafu-free. Ngubani apha uyayazi Ibhunga. Singathini okokuba ngokusemthethweni irhafu free i-apartment, kwaye abantwana bethu ngoku inkxaso.
Molweni, ndiza kuba bought kulo nyaka, condo apho ndiphila okwangoku.
Kunyaka olandelayo omnye ukuya kwiminyaka emibini, ndingathanda yiya ngaphandle kwaye apartment ke kukrazulwa ngayo ngaphandle. Ngoku abanye renovation umsebenzi ukwenza, kwaye ingakumbi i-Windows ziyafuneka. Xa ndishiya oku ngoku, ngeli ndiphila kwi-apartment, ndingaboleka deduct eli kamva kwi indawo ekuyo into, okanye kufuneka ndishiya ngoku kuphela wazala ubuncinane. Ndiyabulela kuba iimpendulo zakho.
Ndine condo ukuba ufumana imali ngaphandle.
Umfazi wam kwaye ndiya kuba ngoku wathenga indlu kunye Granny cambalala. Ngomhla wokuqala, andiyenzanga nazi ukuba mna sithengise i-apartment okanye kukrazulwa. Ke ngoko, ndiya kuba iminyaka financing, unyaka-mboleko kwi-mali ixabiso condominium ukuba ingaba abanye ixesha ucinga. Mna rented i-apartment ngoku. I yeminyaka ubudala credit mna tshintsha ngoku kwi unyaka-mboleko. Andisoze ubolekise le mali ngoko ndinako kukrazulwa i-apartment. Unako ndibhala ngaphandle inzala ke ukuhlawula irhafu kubuyela apartment. Okanye oku akunakwenzeka, ngenxa yokuba condo ufumana imali ngaphandle. Qho ukuba ukuthengwa kwe-inkundla-wonyulwa ingcali ke valuation ingxelo, nto leyo kananjalo floor bonisa waba kukunceda kakhulu.
I-valuation ingxelo kokuba ixabiso kuba apartment, uthutho.
i-proportionate share elizweni ixabiso. Ngoko ke phinda ka-amathandathu ukwakha okanye apartment share, kwaye amane kuba umhlaba kwaye ilizwe share.
Ukususela sino ihlawulwe ngakumbi kuba apartment, thina anayithathela-ntengo ka-ukuthenga ixabiso ihlawulwe.
zonke incidental iindleko i. ilizwe ixabiso (ukusuka uluvo) subtracted. Kwaye eseleyo isixa-mali linear depreciation lubalwa khona. I-IRS izahlulo imbono yethu hayi kwaye ubala amane floor share ka-emamele ukuba ukuthenga ixabiso, isixa-mali kuba yonyaka depreciation kuthi drops kuphela ngenxa sino ihlawulwe ngaphezulu, kodwa emhlabeni alikho ngaphezulu ixabiso, kodwa kuphela apartment. Nathi kukho yesixeko i-esemthethweni guideline ixabiso itheyibhile, mna uyakwazi ukubona njengokuba qho ngonyaka okanye xa i-beqiqa aid. sithanda behlawule ngaphantsi ixabiso ixabiso assessment, wayeya kuba ilizwe ixabiso kodwa kanjalo kwi. Kwaye irhafu kuya kufuneka kuqala ngokwendlela i-depreciation ngokufanelekileyo. Ndingathanda ukuthenga i-kuthengwa impahla. Indlu kumi kwi Leasehold ipropati. Endinazo ukuhlawula ilizwe unikezelo irhafu. izakuba kakhulu ngako oko kuba uncedo kunye zilandelayo umbuzo: ngowama, mna umyeni wam kuba bought a condo kananjalo kufuneka kuthathelwe ngaphandle-mboleko. Ukusuka kwi, umama wam ubomi kukho kukrazulwa-free. Njengoko ixesha elide njengoko ke ubomi kukho kukrazulwa free, ndingaboleka deduct nto kwaphela. Kodwa ukuba ndinga isigqibo ukuba kukrazulwa i-apartment, umzekelo, ukusuka ku, ndingaboleka deduct i-real estate unikezelo irhafu, notary iindleko, ukuthenga ixabiso (ngaphandle ilizwe cacisa), njalo-njalo. Kufuneka mna chaza ababini kubo kwi-irhafu Isibhengezo ngowama. Ndiyathemba umntu unako ukunceda kum nge oku, hayi elula umbuzo. Enkosi Ndine condo kwaye ahlawule ngaphandle lokuqala leminyaka emininzi ngeli credit. Mna funda ukuba inzala ityala kuba condo ukuba abe deductible. Ingaba kwenzeka ngenxa irhafu umthetho. Ndaba wathenga apartment ngowe, waba ngexesha, § e-ukukhuthazwa (kwakunjalo ke), kodwa inzala ityala mna waba nako ukuyenza ngelishwa zange irhafu-deductible. Ndazithenga ngo- i-apartment kwaye ungathanda ukuba ucele ukuba mna umz notary, ilizwe acquisition irhafu, njalo-njalo. kwi-aqhuba irhafu kubuyela ingaba ibango.
Nceda iziphakamiso yintoni settling mna kuba yonke into kwaye apho iphepha lemibuzo malunga.
Mna kuba isivumelwano ngoagasti (ezintathu ezidlulileyo) ukuthenga kuba Ipropati apartment kufuneka notarized.
(Ndiza kuphela umnini) ngokusemthethweni echanekileyo okanye unako mna settle nge-old umnini, lowo dlulisa kum kukrazulwa.
Mna kutshanje ugqibile wam mfundisi ke, ngoku Isimo ngu unemployed. Ndathola yam le kweyenkanga, yenza i-Smartphone kuba amakhulu amahlanu. Ukususela ndiqala yam entsha Umsebenzi. Unako mna faka wam Smartphone, kuba irhafu iinjongo, njengoko a kuthetha ka-sebenza nkqu nokuba ndazithenga icebo, ukuvulwa kwiiveki ezintlanu phambi umsebenzi. Endinokuyenza oku kwi-irhafu Isibhengezo kuba kunyaka olandelayo ukuba ibango kuyo. Ndinqwenela ukuthenga bakhetha linda kude kube.
Ndingathanda kukrazulwa wam condo kuba free ukuba ntombi yam.
Mna kufuneka kucaciswe kwi-irhafu Isibhengezo ka ubuncinane kukrazulwa njengoko umvuzo, okanye kufuneka kuphela ukuba ukwanalo ukwenza iindleko. Ndicinga Kukrazulwa, kufuneka uyisebenzise kuba vala relatives. Okanye kwi-bam kunjalo nje akukho nto Irhafu kubuyela, ukuba isondlo iindleko ke, ntombi yam ihlawulwe. Ndine wathenga i-apartment kwi-annuity qho ngonyaka - intlawulo isinye-ixesha intlawulo qho ngenyanga pension intlawulo - nomthengisi bafanele ukubonisa ingaba lifelong ilungelo kuphila. Mna anayithathela wenza intlawulo qho ngenyanga ka-pension izibonelelo wam irhafu kubuyela njengoko okhethekileyo edition made - eli irhoxisiwe yi-tax-ofisi. Oko kuluncedo ukuba nyusa i-objection. Molo, ndazithenga ngo- kunye wam umhlobo i-APARTMENT ukuze sibe inhabit. Yintoni iindleko endinokuyenza ngoku wam irhafu kubuyela kwi. Kuba yolawulo iindleko, njalo-njalo.
Ngenxa yokuba apartment ngowethu kunye ndiyazi kanjalo ngubani izixa-mali yesichumiso.
ngamnye nesiqingatha okanye yonke into.
