W2 kana chirevo chemari yechikwereti
Kazhinji, mukweretesi anozoona kuti mitero inodzoka yakasainwa uye yakasimbiswa uye inotsigirwa nezviziviso zvekuongorora. Iyi icheki yekubiridzira iri nyore kuti uve nechokwadi kuti imari yemutero yawakaisa kuAustralian Taxation Office.
Apa ndipo apo mabhangi anonyatsoita mutsauko mukuru mumaverengero avanodzosera mutero wako. MunaKurume kana Kubvumbi wegore rega rega, vazhinji vanokweretesa vanotanga kukumbira mari yemutero inodzosa kwegore rekupedzisira remutero. Kusvika panguva iyoyo, iwe unogona kupa gore risati rasvika mutero unodzoka.
Mumwe wevakweretesi vedu anongokukumbira kuti unyore mafomu emutero wegore rimwe chete (kwete kupfuura mwedzi gumi nemisere), izvo zvinobatsira kune vanhu vanga vaine gore rakashata zvisati zvaitika kana kuti vachangobva kutanga bhizinesi ravo.
Tine zvibvumirano zvakakosha nevamwe vedu vanokweretesa izvo zvinobvumira vanokwereta kuti vape aya mamwe magwaro e90% zvikwereti uye, kune mukweretesi, zvikwereti zvinosvika makumi mapfumbamwe neshanu muzana emutengo wekutenga wenzvimbo.
» …Akakwanisa kutiwana nekukasira uye pasina kupokana nechikwereti aine mubereko wakanaka apo vamwe vakatiudza kuti zvaizonyanya kuoma. Kufadzwa zvikuru nebasa ravo uye vangakurudzira zvikuru Nyanzvi dzeMortgage Loan mune ramangwana ”
Mortgage yechitauriri chemari
Kana ukanyorera imba yemba, mukweretesi wako angangokukumbira kuti upe magwaro ezvemari, ayo angangosanganisira kudzoka kwemutero wegore rimwe kana maviri. Iwe unenge uchinetseka kuti izvo zvemutero zvinodzosa zvingakanganisa sei yako mortgage application. Tinokutsanangurira.
Mutero wako unodzoka, pamwe chete nemamwe magwaro emari. pachikumbiro chako chemba yemba, anoshandiswa kuona kuti imarii yaungashandisa pachikwereti chako chemba mwedzi wega wega. Nekuti chikwereti chemba chinokupa kuti ubhadhare kwemakore, vanokweretesa vanoda kuve nechokwadi chekuti chikwereti chako chinokwanisika izvozvi uye kwemakore anotevera.
Zvichienderana nemamiriro ako emari, tinogona kukukumbira mamwe magwaro. Semuenzaniso, kana uine chero real estate investment, ungangoda kuendesa Schedule E zvinyorwa kubva mumakore maviri apfuura. Kana iwe uchizvishandira wega, ungangoda kuendesa makopi ezve purofiti yako nekurasikirwa kwako. Nekune rumwe rutivi, kana usiri kudikanwa kuti utore mareferensi emitero, vanokweretesa vanogona kushandisa zvinyorwa zvako zvemutero panzvimbo. Kana iwe uchizvishandira, uine bhizinesi, kana uine mari kubva kune dzimwe nzvimbo (senge mari yekurenda kana yakakosha mari yemubereko), iwe unowanzo kukumbirwa mitero yako yekudzoka pamwe nemamwe magwaro. Heino gwara rekuti magwaro anokweretesa angadei mune yako chaiyo mamiriro.
Vanokweretesa vasingade chirevo chemari
Vanhu vazhinji vanofunga kuti haugone kuwana chikwereti kana ukasaisa mutero wako wemakore maviri ekupedzisira. Nekudaro, kune nzira dzekutora mbavha kune vanhu vasingakwanisi kupa mutero wekudzoka kana kana mitero yavo isingaratidzi mari yakakwana kuti vakwanise kuwana imba.
Vanokweretesa vanopa zvikwereti zvisingabhadharwi zvemutero vanowanzogadzira zvirongwa zvechikwereti izvi kune vanozvishandira. Muzviitiko zvakawanda, vane zvakawanda zvakabviswa zvebhizimisi zvinoderedza mari yavanotambira kusvika pakuti mutero unoratidza mari shoma kana kuti kurasikirwa.
Vanokweretesa vanopa zvikwereti-inodiwa-inodiwa vanonzwisisa kuti mari inowanikwa pamutero wako wekudzoka haina kukosha semari yaunounza mwedzi wega wega. Naizvozvo, panzvimbo pezvo vanokumbira kuona zvirevo zvebhangi pakati pemwedzi gumi nemaviri ne12. Iyo inzira yakanaka yekubhadharira imba yako yekurota pasina kufoira mutero.
Bata isu kuti udzidze zvakawanda nezve sarudzo dzako kana kuti uwane pfungwa yekuti mubereko wako ungave wei. Kana uchikwanisa, kurumidza zadza fomu rinoonekwa kurudyi kana pazasi pechidzitiro kana uri kuverenga izvi panharembozha. Tichakubata iwe nekukurumidza.
Ndingawana here imba yemba nemitero isina kutaurwa?
Kana mari yako isingapfuure mamwe mabidhi emuhoro anotarwa neIRS, unogona kusvetuka kuendesa yako federal income yemutero kudzoka. Chikumbaridzo chekuwana mari chinoenderana nezera rako, mamiriro ewanano yako, uye rudzi rwemari yawakagamuchira.
Asi kunyangwe iwe usinga fanire kudzosera, iwe unofanirwa kufunga nezve faira, nekuti kana ukasadaro unogona kusiya mari kubva kuzvikwereti zvemutero seRecovery Tax Credit kana Child Tax Credit patafura.
Single mafaira haafaniri kuisa mutero wekudzoka kana mari yavo yakawanda isingapfuuri kuderedzwa kwe $ 12.550, kana $ 25.100 kana vakaroorana vachiisa pamwe chete. Ichi chikumbaridzo chinowedzera kana iwe nemumwe wako muine makore anopfuura makumi matanhatu neshanu: Inotangira pamadhora makumi maviri nemazana masere nemazana masere emadhora ekunyoreswa kwewanano pamwe chete.
Dzimwe nguva izvi zvinodaro nekuti mari yavanotambira iri pasi pezvimwe zvibatiso kana kuti nekuda kwemhando dzemari dzavainadzo,” anodaro Curtis. "Somuenzaniso, Social Security inotarirwa nemitero yemitero, saka kana iriyo mari yemumwe munhu, vangasafanira kuisa mutero."
