Hiki ke unuhi ʻia ka ukupanee moraki ma kahi waiwai hoʻolimalima?
No nā makahiki 2020 a me 2021, hiki i nā limahana i hoʻololi i ka hana mamao ke unuhi i ka EUR 5 no kēlā me kēia lā kalena a lākou e hana ai mai ka home, no laila ua kaupalena ʻia ka huina i EUR 600 i kēlā me kēia makahiki alemanaka a no laila ka palena o nā lā e koi ai he 120.
Aia kahi haʻawina maʻamau no nā limahana no ka hoʻemi ʻana i ka ʻoihana o 1.000 euros i kēlā me kēia makahiki. I ka nui o nā lilo pili i ka hana ma mua o ka nui o ka huina o EUR 1.000, hiki ke unuhi ʻia inā hiki ke hōʻoia ʻia.
Ma muli o kekahi mau koi, hiki ke unuhi ʻia kahi hapa o nā koina mālama keiki a hiki i ka palena kiʻekiʻe o EUR 4.000 i kēlā me kēia makahiki/keiki no nā keiki ma lalo o 14 a i ʻole nā keiki kīnā.
Hiki ke unuhi ʻia ka 30% o nā uku hoʻonaʻauao (koe ka lumi, ka papa a me ka mālama) no nā keiki hilinaʻi kūpono inā hele i kahi kula pilikino i ʻike ʻia ma nā ʻāina EU/EEA a i ʻole Kelemania a inā ʻae ʻia ka puka ʻana e ke aupuni. ʻO nā lilo kūikawā hiki ke koi ʻia i kaupalena ʻia i 5.000 euros i kēlā me kēia makahiki no ke keiki.
Hiki ke unuhi ʻia ka uku moraki ma ka hale lua ma 2022
Hiki ke unuhi ʻia ka ukupanee ma ka moraki ʻelua ma kāu ʻauhau inā ua lawe ʻoe i kahi hōʻaiʻē no kahi home lua? He nīnau maikaʻi, ʻo ka pane e pili ana i kāu helu hoʻolālā kālā makahiki. Ma ka laulā, ʻae ka pane, hiki iā ʻoe. E hoʻomanaʻo naʻe, aia kekahi mau ʻōlelo a me nā kūlana āu e makemake ai e ʻike e pili ana i ka hoʻoholo inā kūpono ʻoe i kēlā mau ʻauhau ʻauhau, e like me ka mea i hōʻike ʻia ma lalo nei.
ʻO nā moraki ʻelua he ʻano hōʻaiʻē e hiki ke kūpono no ka unuhi ʻana i ka ukupanee moraki ma lalo o nā kānāwai ʻauhau o kēia manawa no nā mea hale? He nīnau maikaʻi kēia e nīnau ai i ka wā e hoʻolālā ai i kāu pūlāwai makahiki, ʻoiai ʻo ka lua o ka moraki (e hiki ai iā ʻoe ke hōʻaiʻē i kahi huina kālā inā makemake ʻoe) he hōʻaiʻē a i ʻole laina hōʻaiʻē āu e koho ai e lawe. kaulike ma kou home. He ʻokoʻa ia mai kahi hōʻaiʻē moraki, kahi e pani ai i kāu hōʻaiʻē home kahiko me kahi mea hou a hiki iā ʻoe ke komo i ka home equity me ka ʻole o ka hoʻokomo ʻana i kahi uku o kēlā me kēia mahina.
Hiki ke unuhi ʻia ka ukupanee moraki mai nā waiwai hoʻopukapuka?
ʻAʻohe mea nui e pili ana i nā ʻauhau e hoʻohauʻoli ai i ka poʻe, koe wale nō ka mea e pili ana i ke kumuhana o ka unuhi. ʻO ka ʻauhau ʻauhau kekahi mau lilo i loaʻa i loko o ka makahiki ʻauhau a hiki ke unuhi ʻia mai ka loaʻa ʻauhau ʻauhau, pēlā e hōʻemi ai i ka nui o ke kālā e uku ʻia i nā ʻauhau.
A no nā mea hale nona ka moraki, aia nā unuhi hou aʻe e hiki ke hoʻokomo. ʻO ka unuhi ʻana i ka moraki kekahi o nā unuhi ʻauhau no nā mea hale i hāʻawi ʻia e ka IRS. E heluhelu no ka ʻike ʻana he aha ia a pehea e koi ai i kāu ʻauhau i kēia makahiki.
ʻO ka unuhi ʻana i ka moraki he mea hoʻoikaika ʻauhau no ka poʻe nona ka hale. ʻO kēia unuhi kikoʻī e hiki ai i nā mea hale ke helu i ka ukupanee a lākou e uku ai ma kahi hōʻaiʻē e pili ana i ke kūkulu ʻana, kūʻai a hoʻomaikaʻi ʻana paha i ko lākou home nui e pili ana i kā lākou loaʻa ʻauhau, e hōʻemi ana i ka nui o nā ʻauhau a lākou. Hiki ke hoʻohana ʻia kēia unuhi ʻana i nā hōʻaiʻē no nā hale ʻelua, ʻoiai ʻoe e noho i loko o nā palena.
Aia kekahi mau ʻano o nā hōʻaiʻē home e kūpono i ka unuhi ʻauhau ukupanee. Aia ma waena o lākou nā hōʻaiʻē e kūʻai, kūkulu a hoʻomaikaʻi paha i hale. ʻOiai ʻo ka hōʻaiʻē maʻamau he moraki, hiki ke ʻae ʻia kahi hōʻaiʻē home equity, laina o ka hōʻaiʻē, a i ʻole moraki ʻelua. Hiki nō hoʻi iā ʻoe ke hoʻohana i ka unuhi ʻana i ka moraki ma hope o kou hoʻolilo hou ʻana i kou home. Pono ʻoe e hōʻoia e hoʻokō ka hōʻaiʻē i nā koi i luna (kūʻai, kūkulu a hoʻomaikaʻi paha) a hoʻohana ʻia ka home i nīnau ʻia e hoʻopaʻa i ka hōʻaiʻē.
ʻO ka mea i manaʻo ʻia he hale ʻelua no nā kumu ʻauhau
He konohiki ʻoihana ʻoe a hoʻolimalima paha i kou home ma ke ʻano he "konohiki ʻino" no ka mea ua hoʻoili ʻoe i kahi waiwai a i ʻole ʻoe i kūʻai ʻole i kahi waiwai ma mua. ʻO kēlā me kēia kūlana, e hōʻoia ʻoe e ʻike i kāu kuleana kālā.
Inā loaʻa iā ʻoe kahi moraki noho, ma mua o kahi moraki kūʻai aku e hoʻokuʻu, pono ʻoe e haʻi i kāu mea hāʻawi inā e noho ana kekahi ma waho o ʻoe. ʻO kēia no ka mea ʻaʻole ʻae nā moraki noho iā ʻoe e hoʻolimalima i kāu waiwai.
ʻAʻole like me nā moraki kūʻai hale, ua kaupalena ʻia nā ʻaelike ʻae hoʻolimalima i ka lōʻihi. ʻO ka maʻamau no ka manawa o 12 mau mahina, a i ʻole ka lōʻihi o kou manawa paʻa, no laila hiki iā lākou ke hoʻohana ma ke ʻano he hopena pōkole.
Inā ʻaʻole ʻoe e haʻi i ka mea nāna e hāʻawi aku, hiki ke koʻikoʻi nā hopena, no ka mea hiki ke manaʻo ʻia he hoʻopunipuni moraki. 'O ia ho'i, hiki i kāu mea hā'awi ke koi aku iā 'oe e uku koke i ka moraki a i 'ole e kau i ka lien ma ka waiwai.
ʻAʻole hiki i nā mea hale ke unuhi hou i ka ukupanee moraki mai ka loaʻa kālā hoʻolimalima e hōʻemi i ka ʻauhau a lākou e uku ai. E loaʻa iā lākou kahi hōʻaiʻē ʻauhau e pili ana i ka 20% o ka uku pānaʻi o kā lākou uku moraki. ʻO kēia hoʻololi i ka lula e manaʻo paha ʻoe e uku ʻoi aku ka ʻauhau ma mua o ka wā ma mua.
