{"id":49041,"date":"2024-10-30T11:00:00","date_gmt":"2024-10-30T15:00:00","guid":{"rendered":"https:\/\/www.univistainsurance.com\/?p=49041"},"modified":"2024-10-28T18:04:48","modified_gmt":"2024-10-28T22:04:48","slug":"como-reducir-impuestos-casa-florida","status":"publish","type":"post","link":"https:\/\/www.univistainsurance.com\/es\/blog\/como-reducir-impuestos-casa-florida\/","title":{"rendered":"\u00bfC\u00f3mo pagar menos impuestos por su casa?"},"content":{"rendered":"\n<p><strong>\u00bfC\u00f3mo pagar menos impuestos por su casa?<\/strong><\/p>\n\n\n\n<p>Tener una propiedad en Florida, para algunos, m\u00e1s que un sue\u00f1o se ha convertido en una pesadilla. Los propietarios, adem\u00e1s de enfrentar altas tasas hipotecarias, deben pagar <a href=\"https:\/\/www.univistainsurance.com\/es\/seguro-de-casa-y-propiedad\/\">seguros<\/a> elevados e impuestos.<\/p>\n\n\n\n<p>Cuando alguien compra una casa mediante un pr\u00e9stamo hipotecario, los prestamistas, que prefieren minimizar riesgos en sus inversiones, establecen la obligaci\u00f3n de crear una cuenta de garant\u00eda (<em>escrow account<\/em>), donde el propietario paga por adelantado las principales obligaciones de la casa: seguro e impuestos. Dejar de pagar cualquiera de estas obligaciones podr\u00eda significar la p\u00e9rdida de la propiedad. Con el aumento en la carest\u00eda de la vida, impulsado por la inflaci\u00f3n, el alza del seguro de propietario y de los impuestos, muchos due\u00f1os de casa buscan desesperadamente maneras de aliviar la carga financiera para que el sue\u00f1o de tener un hogar propio no pese tanto en sus bolsillos. Sin embargo, muchos desconocen que pueden ahorrar en el pago del impuesto sobre la propiedad.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-beneficios-de-la-exencion-fiscal-para-propietarios-de-viviendas-en-florida\"><strong>Beneficios de la exenci\u00f3n fiscal para propietarios de viviendas en Florida<\/strong><\/h2>\n\n\n\n<p>Existe una forma legal de pagar menos impuestos por la vivienda: solicitando una exenci\u00f3n. En Florida, una ley permite a los propietarios reducir el valor imponible de su vivienda principal. B\u00e1sicamente, la ley exime del pago de impuestos a los primeros $50,000 del valor imponible de la casa, de dos tramos de $25,000. Para aclarar: si el valor de mercado de su propiedad es de $500,000, usted pagar\u00eda impuestos sobre $450,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-que-es-la-ley-save-our-home-y-como-te-beneficia\"><strong>\u00bfQu\u00e9 es la Ley Save Our Home y c\u00f3mo te beneficia?<\/strong><\/h3>\n\n\n\n<p>Otro beneficio de la exenci\u00f3n es la ley conocida como&nbsp;<em>Save Our Home<\/em>, que impide que el valor imponible de una propiedad exenta pueda aumentar m\u00e1s del 3% anual. Por ejemplo, si usted este a\u00f1o pag\u00f3 $7,000 en impuestos, el pr\u00f3ximo a\u00f1o sus impuestos solo podr\u00edan incrementarse hasta $7,210 (el 3%). En cambio, si la misma casa fuera su segunda vivienda, al no contar con la exenci\u00f3n, el impuesto podr\u00eda aumentar hasta un 10%, es decir, $7,700.&nbsp;<\/p>\n\n\n\n<p>Aunque la diferencia pueda parecer peque\u00f1a, no lo es. Siguiendo el mismo ejemplo, el segundo a\u00f1o, quien carezca de exenci\u00f3n pagar\u00eda $8,470, mientras que quien tiene la exenci\u00f3n pagar\u00eda $7,426. En este caso la diferencia ya supera los mil d\u00f3lares al incrementarse exponencialmente con el tiempo.<\/p>\n\n\n\n<p>Otra buena noticia es que en las pr\u00f3ximas elecciones generales se presentar\u00e1 un refer\u00e9ndum en la boleta electoral conocido como Enmienda 5, que propone ajustar uno de los tramos de $25,000 de exenci\u00f3n seg\u00fan la inflaci\u00f3n anual. Por ejemplo, si la inflaci\u00f3n sube un 3%, el tramo de exenci\u00f3n ser\u00eda de $27,000 (+3%), brindando un peque\u00f1o alivio a los propietarios con exenci\u00f3n sobre su vivienda. Es bueno insistir, aunque parezca poco, como vimos en el ejemplo anterior, el ahorro puede ser considerable con el paso de los a\u00f1os.<\/p>\n\n\n\n<p>En resumen, si es propietario de una vivienda, solicite la exenci\u00f3n de impuestos para aliviar sus pagos. Si tiene dudas al respecto o desea pagar menos por el seguro de su propiedad, llame a 51³Ô¹ÏºÚÁÏÍø.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfC\u00f3mo pagar menos impuestos por su casa? Tener una propiedad en Florida, para algunos, m\u00e1s que un sue\u00f1o se ha convertido en una pesadilla. Los propietarios, adem\u00e1s de enfrentar altas tasas hipotecarias, deben pagar seguros elevados e impuestos. Cuando alguien compra una casa mediante un pr\u00e9stamo hipotecario, los prestamistas, que prefieren minimizar riesgos en sus [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":49039,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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