2021 IRS Mortgage Hoʻemi Hoʻopaneʻe
Ma ke ʻano maʻamau, hiki iā ʻoe ke unuhi i kekahi mau hoʻolimalima moraki, a inā ʻoe e hoʻokaʻawale i kāu mau unuhi. Inā ʻoe e lawe i ka unuhi maʻamau, hiki iā ʻoe ke haʻalele i ke koena o kēia ʻike no ka mea ʻaʻole pili ia.
Nānā: Ke ʻimi nei mākou i nā unuhi ʻauhau federala wale nō no ka makahiki ʻauhau 2021, waiho ʻia ma 2022. E ʻokoʻa nā ʻauhau ʻauhau mokuʻāina. No ka ʻike maʻamau wale nō kēia ʻatikala. ʻAʻole kahi pūnaewele ʻauhau ka Mortgage Reports. E nānā i nā lula pili i ka Internal Revenue Service (IRS) me kahi ʻoihana ʻauhau kūpono e ʻike pono e pili lākou i kou kūlana pilikino.
Pono kāu hoʻomaha ʻauhau nui loa mai ka uku pānaʻi moraki āu e uku ai. ʻAʻole kēia kāu uku mahina piha. ʻAʻole hiki ke unuhi ʻia ka nui āu e uku ai i ke kumu o ka hōʻaiʻē. ʻO ka hapa hoihoi wale nō.
Inā hoʻokō ʻia kāu moraki ma ka lā 14 o Dekemaba, 2017, hiki iā ʻoe ke unuhi i ka ukupanee a hiki i $1 miliona ma ka aie ($500.000 i kēlā me kēia, inā ua male ʻoe i ka waiho ʻokoʻa). Akā inā lawe ʻoe i kāu moraki ma hope o kēlā lā, ʻo ka pāpale he $750.000.
He aha nā lilo o ka hale i hiki ke unuhi ʻia 2021
Hiki iā ʻoe ke unuhi i ka unuhi maʻamau o North Carolina a i ʻole ka unuhi ʻia ʻana o North Carolina mai kāu loaʻa kālā nui i hoʻoponopono ʻia. I ka hapanui o nā hihia, e emi ana kāu ʻauhau ʻauhau mokuʻāina inā ʻoe e lawe i ka nui o kāu unuhi ʻia ʻana o North Carolina a i ʻole kāu unuhi maʻamau o North Carolina. Ma ka laina 11 o ka palapala D-400, e hoʻokomo i ka unuhi maʻamau o North Carolina a i ʻole nā unuhi kikoʻī o North Carolina, e like me ka pili. E hoʻopiha i ka pōʻai pololei e hōʻike i ka unuhi āu e koi nei. Hoʻopiha i hoʻokahi pōʻai wale nō.
Mea nui: MAI hookomo i ka nui o kou unuhi ana ma ke aupuni pekelala ma ka laina 11. 'A'ole i like ka unuhi ma'amau o North Carolina a me North Carolina me na huina federala a aia no kekahi mau palena mai North Carolina. Eia nō hoʻi, ʻaʻohe mea ʻē aʻe o North Carolina maʻamau i hōʻemi ʻia no ka poʻe ʻauhau he 65 makahiki a ʻoi paha a makapō paha.
Inā ʻaʻole ʻoe kuleana i ka unuhi maʻamau federal, ʻo ZERO kāu unuhi maʻamau o North Carolina. No ka ʻike e pili ana i ka mea i kuleana i ka unuhi maʻamau federal, e ʻike i ka hoʻolaha federal 501, Dependents, Standard Deduction, a me ka ʻike waihona.
ʻO ka unuhi ʻana i ka uku pānaʻi moraki IRS
Ke kūʻai aku, kūʻai aku a hoʻihoʻi hou i kahi home, ʻo ka pani ʻana i nā kumukūʻai he ʻāpana pipiʻi loa ia o ke kālepa. A ʻoiai ʻo ka hapa nui o ka poʻe ʻauhau e lawe i ka unuhi maʻamau ma mua o ka hoʻokaʻawale ʻana i kā lākou ʻauhau loaʻa no ka hoʻonui ʻana i ka mālama kālā, ʻo ka makahiki āu e kūʻai ai a hoʻolimalima hou paha i kahi home.
Hiki i nā koina pani ke hopena i nā lilo hiki ke unuhi ʻia i ka ʻauhau ʻaʻole i loaʻa i ka makahiki maʻamau o ka noho ʻana o ka home, a hiki i kēlā mau hoʻolimalima hou ke hoʻokuke iā ʻoe ma mua o ka paepae kahi e manaʻo ai ke kālā e helu.
ʻAʻole hiki ke unuhi ʻia nā koina pani a pau. Ma keʻano laulā, hiki ke unuhi ʻia nā lilo i manaʻo ʻia he ʻauhau a ukupanee paha. Akā, e like me kāu e aʻo ai ma lalo nei, hoʻokaʻawale ka IRS i kekahi mau koina ma ke ʻano he hoihoi ʻaʻole i noʻonoʻo ʻia e ka mea maʻamau. Hiki paha iā ʻoe ke unuhi i nā kumukūʻai pani ʻoi aʻe ma mua o kou manaʻo.
Ma lalo e wehewehe mākou i nā kumukūʻai pani hiki iā ʻoe ke unuhi ma ke kūʻai ʻana i ka home, a me nā manaʻo kūikawā e pili ana i ka nui āu e hiki ai ke unuhi a i ʻole ka makahiki ʻauhau e hiki ai iā ʻoe ke koi i ka unuhi.
ʻO ka mea mua, pono ʻoe e ʻike i nā huina o kēia manawa o ka unuhi maʻamau. No nā ʻauhau ʻauhau 2020 i waiho ʻia ma 2021, ʻo ka unuhi maʻamau he $12.400 no kēlā me kēia kanaka, $18.650 no nā poʻo o nā hale, a me $24.800 no nā kāne male e waiho pū ana a me nā hoa ola.
Hiki iaʻu ke unuhi i ka ukupanee moraki?
ʻO ka hoʻoholo ʻana e kūʻai i hale hiki ke pilikia, ʻoiai inā ʻo kou manawa mua ia e kūʻai ai. ʻOiai he nui kāu mau kuleana hou ma ke ʻano he mea nona, he nui nō hoʻi nā pōmaikaʻi o ka lilo ʻana i hoʻokahi. ʻO ka pōmaikaʻi nui o ke kūʻai ʻana i hale ʻo ia ka hoʻonui ʻana i ka palekana kālā. Me kahi hōʻaiʻē paʻa, ʻike ʻoe, ʻaʻole like me ka hoʻolimalima, ʻaʻole e piʻi aʻe kāu uku o kēlā me kēia mahina (ʻaʻole me ka ʻauhau a me ka ʻinikua). Hiki iā ʻoe ke kūkulu i ke kaulike ma kou home ke uku ʻoe i kāu moraki, a e loaʻa iā ʻoe ka maluhia o ka manaʻo e mahalo nui ʻia kāu waiwai inā lōʻihi ʻoe e paʻa.
Akā ʻaʻole ʻo ia wale nō ka hāʻawi ʻana o ka home. Hāʻawi pū ia i nā ʻauhau ʻauhau ma o ka unuhi ʻana o ka ukupanee moraki. E noʻonoʻo kākou i ke ʻano o ka unuhi ʻana o ka ukupanee moraki, pehea ka nui āu e hiki ai ke unuhi mai kāu loaʻa ʻauhau, a me nā mea e pono ai ʻoe e hoʻohana i kēia hoʻomaha ʻauhau nui.
ʻO ka unuhi ʻana i ka ukupanee moraki he unuhi ʻauhau kikoʻī e unuhi ana mai kāu loaʻa ʻauhau i ka ukupanee i uku ʻia ma nā hōʻaiʻē i hoʻohana ʻia no ke kūkulu ʻana, kūʻai, a hoʻoponopono hou paha i kahi noho. 'O ia ho'i, hiki iā 'oe ke unuhi i ka nui o ka ukupanee moraki i kēlā me kēia makahiki, ma kou mau hale nui a me kou mau hale 'elua, a e uku i ka 'auhau loa'a.
