Hoʻokuʻu ʻauhau no ka ukupanee moraki ma nā ʻāina hoʻolimalima
Inā holo ʻoe i kāu ʻoihana ponoʻī, pono ʻoe e hahai i nā lula ʻē aʻe. Hiki iā ʻoe ke unuhi i nā lilo ʻoihana mai kāu mau pōmaikaʻi ma mua o ka ʻauhau. Pono e haʻi ʻia nā mea āu e hoʻohana ai ma ke ʻano he pōmaikaʻi ʻoihana.
Inā hoʻohana ʻoe i ka helu kālā a kūʻai i kaʻa no kāu ʻoihana, hiki iā ʻoe ke hōʻike iā ia ma ke ʻano he pōmaikaʻi kālā. Eia nō naʻe, ʻo nā mea ʻē aʻe āu e kūʻai ai a mālama ʻia no kāu ʻoihana pono e koi ʻia he mau lilo ʻae ʻia ma ke ʻano maʻamau.
No ke kōkua ʻana iā mākou e hoʻomaikaʻi iā GOV.UK, makemake mākou e lohe hou aku e pili ana i kāu kipa ʻana i kēia lā. E hoʻouna mākou iā ʻoe i kahi loulou i kahi palapala manaʻo. He 2 mau minuke wale nō e hoʻopiha ai. Mai hopohopo, ʻaʻole mākou e spam iā ʻoe a kaʻana like i kāu leka uila me kekahi.
Hmrc hoʻopaʻa inoa ponoʻī
ʻAʻohe mea nui e pili ana i nā ʻauhau e hoʻohauʻoli ai i nā kānaka, 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 waihona ʻauhau, pēlā e hōʻemi ai i ka nui o ke kālā āu e uku ai i ka 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 ʻano o nā hōʻaiʻē home i kūpono no ka unuhi ʻana i ka 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 aie, 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.
ʻauhau ʻauhau ma UK
He konohiki ʻoihana paha 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 ʻia, pono ʻoe e haʻi i kāu mea hāʻawi inā e noho ana kekahi ma waho o ʻoe. 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 kālā ke koi iā 'oe e uku koke i ka moraki a i 'ole e kau i kahi kuleana 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.
Hmrc ka noonoo ana
No nā makahiki ʻauhau ma mua o 2018, hiki ke unuhi ʻia ka ukupanee a hiki i $100.000 miliona o ka hōʻaiʻē loaʻa inā ʻike ʻia nā unuhi. Hiki ke unuhi ʻia ka ukupanee ma kahi $XNUMX hou i ka ʻaiʻē inā hoʻokō ʻia kekahi mau koi.
I ka makahiki 2018, ua kaupalena ʻia ka ukupanee hiki ke unuhi ʻia ma nā hōʻaiʻē hou i nā huina kumu o $750.000. Loaʻa nā hōʻaiʻē ma mua o 16/12/2017, a i ʻole ma lalo o kahi ʻaelike paʻa i pani ʻia ma mua o 1/4/2018, e noho mau ma lalo o nā lula kahiko no nā makahiki ʻauhau ma mua o 2018.
Aloha, ʻo Nick kēia mai TurboTax. Inā hōʻike ʻoe i kāu unuhi ʻana ma ka Hōʻike A o kāu palapala ʻauhau 1040, hiki iā ʻoe ke unuhi i ka ukupanee moraki a me nā ʻauhau waiwai āu i uku ai. ʻO ka ʻoiaʻiʻo, inā e hoʻokō ʻoe i nā koi kumu, hiki iā ʻoe ke unuhi i ka ukupanee āu e uku ai ma kahi moraki, inā ma kou hale nui a i ʻole ka lua home, a me nā ʻauhau waiwai ma nā waiwai paʻa āu i loaʻa ai.
Hiki iā ʻoe ke unuhi i ka ukupanee ma nā moraki a hiki i $100.000 miliona āu e hoʻohana ai e kūʻai, kūkulu, a hoʻomaikaʻi paha i kou home mua a lua paha. Hiki iā ʻoe ke unuhi i ka ukupanee a hiki i $XNUMX o ka ʻaiʻē home equity, me ka nānā ʻole i ke ʻano o kāu hoʻohana ʻana i ka loaʻa kālā. ʻO ia ke ʻano hiki iā ʻoe ke hoʻohana i kahi hōʻaiʻē home equity no ke kūʻai ʻana i kaʻa a i ʻole e uku i ke kula haʻawina o kāu kaikamahine a e unuhi mau i ka ukupanee. (E nānā i nā memo ma luna no nā palena hou no ka unuhi ʻana i ka ukupanee moraki).
