Címlap arrow Beküldött kérdések arrow SZJA arrow Nyugdíjas házaspár lakáseladása
Nyugdíjas házaspár lakáseladása Nyomtatás E-mail
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2009. February 04. Wednesday 16:24
Nyugdíjasok vagyunk, ezért nem mindegy mennyi lesz az adónk, melyet fontos lenne tudnunk, hogy mennyiért vásárolhatunk lakást nemrég eladott lakásunk helyett. A vevőnk ügyvédje nem tudott pontos felvilágosítást adni, ezért javasolta, hogy forduljunk adótanácsadóhoz. Mivel nyugdíjasok vagyunk, ezért szeretnénk igénybe venni a díjmentes adótanácsadást. Fáradozásukat előre is szívből köszönjük, és várjuk válaszukat!
1994-ben megvásároltunk az Önkormányzattól egy lakást - melyben már azelőtt is benne laktunk - férjem nevére 189.000.- Ft-ért. Ezt 13 évvel később 2007-ben eladtuk, mivel nagy lakás volt, és nagy rezsi. A vételár 10,7 M Ft. volt. Ekkor 80 % adókedvezményt kaptunk. Egyáltalán nem kellett adót fizetnünk, mivel a vételárból vettünk egy kisebb lakást 8.6 M Ft-ért. Nagy munkával, szépen, ízlésesen felújítottuk, de több oknál fogva nem tudunk tovább itt maradni, ezért nemrég eladtuk a lakást 11 millió forintért. Ennek árából ismét lakást kívánunk vásárolni. Azt még nem tudom mennyiért vehetünk, mert adó, illeték, ügyvéd, költözés - ezekre el kell tennünk pénzt, de úgy tudom ennek nincs jelentősége adó szempontjából. Tehát itt 2,4 millió forint jövedelem keletkezik.

A legelső lakás mivel kárpótlási jegyből vettük a férjem nevén van azóta is, az én holtig tartó haszonélvezeti jogommal. Jelenlegi és előző lakást is úgy adtuk el, hogy a haszonélvezetemet nem adtam el, hanem lemondtam róla azzal, hogy férjem a következő lakásban számomra haszonélvezeti jogot alapít. Ez így is történt, és így is fog történni.

Az Apeh nyomtatvánnyal is problémája volt az ügyvédnek, hogy engem ráírjon-e vagy nem, ugyanis azon csak ajándékozás, és visszterhes vagyonszerzés szerepelt. Ezért nem írt rá. Remélem ebből nem lehet probléma. Adófizetés szempontjából mely számlák érvényesek? Nekünk van az ügyvédi költségekről kb. 126.OOO.- Ft-ról, Tul.lap, stb. kb. 20.000.- Illeték kb. 42.OOO.- Ft-ról. Tehát 188.OOO.- Ft-ról bizonylatunk, számlánk. Van még az új konyhabútorról, stb-ről kb. 35O.OOO.- Ft. értékű ( nem áfa-s - mivel nem tudtuk, hogy tovább megyünk majd innen ) számlánk. Ezekből mennyit fogadnak el vajon?

Azt ugye jól tudom, hogy 2009-ben kell majd adóznunk, addig semmi teendőnk nincsen? Idén nem kell ugye kitöltenünk adóbevallást? Az előző lakással (13 év) és a jelenlegivel (2 év) szerintem a 15 év is megvan, de úgy tudom, hogy annak 8O % kedvezményét beletették ebbe a lakásba. 5 év idős embereknél túl sok idő várakozás, ha menni akarnak valahonnan... Ezért kérhetünk -e (idén tegyük-e vagy jövőre adóbevallás előtt, vagy adóbevalláskor) méltányosságból adó elengedést, vagy mérséklést? Milyen formában tegyük azt meg, hogy a sikerre esélyünk legyen? Mennyi adót kell majd fizetnünk, azaz mennyi pénzt tegyünk el a 11 millióból esetleges adóbefizetés céljára? Máshonnan nincs bevételünk, csak a nyugdíj, ezért vigyáznunk kell a dolgokra.

Tisztelettel várjuk válaszát! Fáradozását és segítségét előre is köszönjük!
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