Imirhumo yePropati eMaldin

Iintlawulo zepropati kwi-estate estate e-Maryland ziqokelelwa nguorhulumente basekhaya (urhulumente okanye urhulumente), kodwa inxalenye yentlawulo yepropati iya kwilizwe laseMaldin. Oorhulumente bengingqi banembopheleleko yokuqokelela zonke iirhafu zepropati, kubandakanywa nabo baseburhulumenteni baseMaldin.

Iimpawu zerhafu ezahlukeneyo zepropati kunye nokukhululwa kwazo ziyafumaneka, kuquka i- Homestead Credit .

Iingxowa-mali zeRhafu

Urhulumente wakho wasekhaya uzothumela umrhumo werhafu wepropati ngoJulayi okanye ngoAgasti kunyaka okhoyo werhafu osebenza ngoJulayi 1 ukuya kuJuni 30.

Imirhumo ibangelwa ngoSeptemba 30, nangona ukuba uhlawula ngokukhawuleza unokufumana isaphulelo esincinci kwezinye iindawo.

Imirhumo ingakhokhelwa kwizitofu ezimbini kunye nentlawulo yesibini ngenxa kaDisemba 31. Nangona kunjalo, kukho umrhumo wale nto. Nokuba ukuba inkampani yakho yokubolekisa imali ihlawule irhafu kwi-escrow iqokelela kwintlawulo yakho yenyanga, kufuneka ufumene irhafu yepropati.

Ukutshintsha idilesi yakho yeposi, kufuneka ubhale ileta kwi-arhente karhulumente wengingqi ephethe iirhafu zakho zepropati.

IiRhafu zeRhafu

Ngo-2007-08 iRhafu yeMali yentlawulo yepropati yayizi-0.112 yerhafu yexabiso elilinganiselwa kwi-100. Iirhafu zerhafu zengingqi, ezongeziweyo kwerhafu karhulumente, zivela kwi $ 0.475 ukuya kwi-2.268 yezigidi. Imirhumo ibalwa ngokuphindaphinda izinga leerhafu ngokuxabiswa kwexabiso lepropati kunye nokwahlula i-100.

Umzekelo, ukuba indlu ihlolwe i-$ 100,000, irhafu yerhafu yaseMaldan yona yayiyi $ 112 (.112 x 100,000 ÷ 100 = $ 112).

Uvavanyo lweRhafu

Ngoxa i-state yaseMaldinko ingabuthi iqokelele irhafu, iyavavanya ipropati (okanye ichonge ixabiso lempahla ngenjongo yerhafu) koorhulumente basekuhlaleni. ISebe leMvavanyo likaRhulumente laseMaldinha kunye neRhafu yi-arhente karhulumente karhulumente eyenza zonke iimvavanyo zerhafu yepropati. Umbuso waseMaldinha ukwenza uvavanyo kwizame zokugcina inkqubo inobulungisa ngokusemandleni.

Ukuhlolwa kweerhafu zepropati kwenziwa rhoqo kwiminyaka emithathu. Ukuhlolwa kweerhafu zepropati kuvela ekupheleni kukaDisemba ngaphambi komnyaka werhafu oqala ngoJulayi. Iipropati ezihlala kwindawo eyinhloko yomnini wazo ohlalayo zifanelekile kwi- Homestead Credit , ezithatha ixabiso lokuhlaziywa kweerhafu zepropati. Ngoko qiniseka ukuba ukhangele ukuba ulwazi malunga nokuba ngaba le ndawo yokuhlala eyinqununu ilungile.

Ukwanda kovavanyo lwentlawulo yepropati kuphakanyiswa kwizitofu ezilinganayo kwiminyaka emithathu yentela. Ukuba awuvumelani nokuhlola kwakho unokwenza isibheno sakho. Uvavanyo luya kubandakanya umhla wokugqibela wesibheno.

Emininzi kwiirhafu zempahla yentlawulo kunye nokuxolelwa.

Iintlawulo zepropati kwi-estate estate e-Maryland ziqokelelwa nguorhulumente basekhaya (urhulumente okanye urhulumente), kodwa inxalenye yentlawulo yepropati iya kwilizwe laseMaldin. Oorhulumente bengingqi banembopheleleko yokuqokelela zonke iirhafu zepropati, kubandakanywa nabo baseburhulumenteni baseMaldin.

Iimpawu zerhafu ezahlukeneyo zepropati kunye nokukhululwa kwazo ziyafumaneka, kuquka i- Homestead Credit .

Iingxowa-mali zeRhafu

Urhulumente wakho wasekhaya uzothumela umrhumo werhafu wepropati ngoJulayi okanye ngoAgasti kunyaka okhoyo werhafu osebenza ngoJulayi 1 ukuya kuJuni 30.

Imirhumo ibangelwa ngoSeptemba 30, nangona ukuba uhlawula ngokukhawuleza unokufumana isaphulelo esincinci kwezinye iindawo.

Imirhumo ingakhokhelwa kwizitofu ezimbini kunye nentlawulo yesibini ngenxa kaDisemba 31. Nangona kunjalo, kukho umrhumo wale nto. Nokuba ukuba inkampani yakho yokubolekisa imali ihlawule irhafu kwi-escrow iqokelela kwintlawulo yakho yenyanga, kufuneka ufumene irhafu yepropati.

Ukutshintsha idilesi yakho yeposi, kufuneka ubhale ileta kwi-arhente karhulumente wengingqi ephethe iirhafu zakho zepropati.

IiRhafu zeRhafu

Ngo-2007-08 iRhafu yeMali yentlawulo yepropati yayizi-0.112 yerhafu yexabiso elilinganiselwa kwi-100. Iirhafu zerhafu zengingqi, ezongeziweyo kwerhafu karhulumente, zivela kwi $ 0.475 ukuya kwi-2.268 yezigidi. Imirhumo ibalwa ngokuphindaphinda izinga leerhafu ngokuxabiswa kwexabiso lepropati kunye nokwahlula i-100.

Umzekelo, ukuba indlu ihlolwe i-$ 100,000, irhafu yerhafu yaseMaldan yona yayiyi $ 112 (.112 x 100,000 ÷ 100 = $ 112).

Uvavanyo lweRhafu

Ngoxa i-state yaseMaldinko ingabuthi iqokelele irhafu, iyavavanya ipropati (okanye ichonge ixabiso lempahla ngenjongo yerhafu) koorhulumente basekuhlaleni. ISebe leMvavanyo likaRhulumente laseMaldinha kunye neRhafu yi-arhente karhulumente karhulumente eyenza zonke iimvavanyo zerhafu yepropati. Umbuso waseMaldinha ukwenza uvavanyo kwizame zokugcina inkqubo inobulungisa ngokusemandleni.

Ukuhlolwa kweerhafu zepropati kwenziwa rhoqo kwiminyaka emithathu. Ukuhlolwa kweerhafu zepropati kuvela ekupheleni kukaDisemba ngaphambi komnyaka werhafu oqala ngoJulayi. Iipropati ezihlala kwindawo eyinhloko yomnini wazo ohlalayo zifanelekile kwi- Homestead Credit , ezithatha ixabiso lokuhlaziywa kweerhafu zepropati. Ngoko qiniseka ukuba ukhangele ukuba ulwazi malunga nokuba ngaba le ndawo yokuhlala eyinqununu ilungile.

Ukwanda kovavanyo lwentlawulo yepropati kuphakanyiswa kwizitofu ezilinganayo kwiminyaka emithathu yentela. Ukuba awuvumelani nokuhlola kwakho unokwenza isibheno sakho. Uvavanyo luya kubandakanya umhla wokugqibela wesibheno.

Emininzi kwiirhafu zempahla yentlawulo kunye nokuxolelwa.

Ukukhangela iindlela zokunciphisa irhafu yakho yendawo yokuhlala okanye yaseMaldinko? Ezi mboleko zerhafu zinokukunceda.

I- Homestead yaseMaldinha ikhutshwe ukunyuswa kovavanyo lwentlawulo kuvunyelwe kwi-10 ekhulwini okanye ngaphantsi.

Ukongezelela kwi-Homestead Credit, leyo yenzelwe yonke impahla ephathwe ngumnini, abaNinimzi baKhaya beRhafu yeNtlawulo banokunciphisa irhafu yezindlu kulabo abanemali engaphantsi kwama-$ 60,000. Ngokungafani ne-Homestead Credit, abanini bezindlu ezifanelekileyo mabafake izicelo zalesi sikweletu ngonyaka.

I-Maryland Historical Trust inikeza ulwazi ngetyala leetyala kwiipropati zembali. Ezi ntengo zingabakho kwiirhafu zentlawulo yeMargan okanye irhafu yepropati yendawo.

Abantu abayizimpumputhe (kunye nabafazi babo abasindayo) kunye nabasemagunyeni abakhubazekile baphakathi kwabo banokufaka isicelo sokukhutshwa kweerhafu ezikhethekileyo zerhafu.

Imivuzo yeRhafu yePropati

Ukukhangela iindlela zokunciphisa irhafu yakho yendawo yokuhlala okanye yaseMaldinko? Ezi mboleko zerhafu zinokukunceda.

I- Homestead yaseMaldinha ikhutshwe ukunyuswa kovavanyo lwentlawulo kuvunyelwe kwi-10 ekhulwini okanye ngaphantsi.

Ukongezelela kwi-Homestead Credit, leyo yenzelwe yonke impahla ephathwe ngumnini, abaNinimzi baKhaya beRhafu yeNtlawulo banokunciphisa irhafu yezindlu kulabo abanemali engaphantsi kwama-$ 60,000. Ngokungafani ne-Homestead Credit, abanini bezindlu ezifanelekileyo mabafake izicelo zalesi sikweletu ngonyaka.

I-Maryland Historical Trust inikeza ulwazi ngetyala leetyala kwiipropati zembali. Ezi ntengo zingabakho kwiirhafu zentlawulo yeMargan okanye irhafu yepropati yendawo.

Abantu abayizimpumputhe (kunye nabafazi babo abasindayo) kunye nabasemagunyeni abakhubazekile baphakathi kwabo banokufaka isicelo sokukhutshwa kweerhafu ezikhethekileyo zerhafu.