Hiki ke unuhi ʻia ka uku moraki ma 2021
ʻO Ken Clark kahi Certified Financial Planner (CFP) ma mua o kahi ʻumi makahiki o ka ʻike e hana ana i ka ʻoihana hoʻolālā kālā. He loea ʻo ia i ka hōʻaiʻē haumāna, kōkua kālā, a me ka uku ʻana no ke kulanui, a ʻo ia hoʻi ka mea kākau o nā puke kālā pilikino ʻeono. He lāʻau lapaʻau ʻohana ʻo Ken i loea i nā hakakā kālā ma waena o nā kāne.
ʻO Ebony Howard kahi QuickBooks ProAdvisor Certified Public Accountant and Tax Expert. Ua noho ʻo ia ma ka ʻoihana moʻohelu kālā, loiloi a me ka ʻoihana ʻauhau ma mua o 13 mau makahiki, e hana pū ana me nā poʻe a me nā ʻoihana like ʻole i ka ʻoihana mālama olakino, panakō a me nā ʻāpana helu.
Ua hoʻohana ʻo Hilarey Gould ma mua o 10 mau makahiki i loko o ke kikowaena media digital, kahi āna i hoʻomohala ai i ka makemake no ke kōkua ʻana i ka poʻe e hoʻomaopopo i ka hoʻokele waiwai, mālama, hoʻopukapuka kālā, nā pōmaikaʻi o nā kāleka hōʻaiʻē, nā uku uku no nā moraki a me nā mea hou aku. ʻO Hilarey ka Luna Hoʻoponopono o The Balance a ua paʻa ʻo ia i nā hana manawa piha a me ka manuahi ma nā ʻoihana media kālā like ʻole me realtor.com, Bankrate a me SmartAsset. Loaʻa iā ia ke kēkelē laepua ma ka nūpepa mai ke Kulanui o Missouri a me ke kēkelē laepua ma ka nūpepa a me ke kākau ʻoihana mai ke Kulanui o New Jersey (TCNJ).
Ka palena o ka unuhi ʻana i ka moraki ma 2020
He hoʻokahi mea a ka poʻe nona hale e nānā i mua i ka wā ʻauhau: ka unuhi ʻana i ka ukupanee moraki. Loaʻa kēia i nā ukupanee āu e uku ai ma kahi hōʻaiʻē i hoʻopaʻa ʻia e kou hale noho mua a i ʻole home lua. ʻO ia ke ʻano o ka moraki, moraki ʻelua, hōʻaiʻē home equity, a i ʻole home equity line of credit (HELOC).
No ka laʻana, inā loaʻa iā ʻoe kahi moraki mua $300.000 a me kahi hōʻaiʻē home equity $200.000, hiki ke unuhi ʻia nā ukupanee āpau i uku ʻia ma nā hōʻaiʻē ʻelua, ʻoiai ʻaʻole ʻoe i ʻoi aku ma mua o ka palena $750.000.
E hoʻomanaʻo i ka mālama ʻana i kāu hoʻolilo ʻana i nā papahana hoʻomaikaʻi home inā e loiloi ʻia ʻoe. Hiki paha iā ʻoe ke hoʻi a kūkulu hou i kāu mau lilo no nā moraki ʻelua i lawe ʻia i nā makahiki ma mua o ka hoʻololi ʻana o ke kānāwai ʻauhau.
Hiki i ka hapa nui o nā mea hale ke unuhi i kā lākou moraki a pau. ʻO ka Tax Cuts and Jobs Act (TCJA), ka mea i mana mai 2018 a 2025, hiki i nā mea hale ke unuhi i ka uku hoʻolimalima home a hiki i $ 750.000. No ka poʻe ʻauhau e hoʻohana ana i ka male ʻana i ke kūlana ʻokoʻa, ʻo ka palena ʻaiʻē kūʻai home he $375.000.
Laʻana hoʻemi ʻana i ka moraki
ʻO ka piʻi wikiwiki o nā kumukūʻai hale ma Suedena a me ke kiʻekiʻe kiʻekiʻe o ka ʻaiʻē o ka home he mau kumuhana mau o ka hoihoi. Ma ʻaneʻi ua hōʻuluʻulu ʻo SEB Chief Strategist Johan Javeus i nā nīnau a me nā pane he 10 e nānā ana i ka ʻaiʻē a me ke kūlana kālā o nā ʻohana Suedena.
ʻOi aku ka ʻaiʻē o ka ʻohana Suedena ma mua o SEK 3,8 trillion, kahi kokoke i SEK 3 trillion, a i ʻole 77%, he mau hōʻaiʻē moraki. I kēia manawa, hōʻaiʻē moraki ma kahi o 40% o ka waiwai o ka hale noho. Ma waena o nā mea hōʻaiʻē hou, ʻoi aku ka kiʻekiʻe o ka hōʻaiʻē moraki i ka waiwai home: 64%. Ke ulu wikiwiki nei nā ʻaiʻē ma mua o kā mākou loaʻa kālā no nā makahiki, ua piʻi ka lakio o ka ʻaiʻē ʻohana i ka loaʻa kālā hoʻopau i ka 180%, pālua i nā makahiki 20. ʻOi aku ka kiʻekiʻe o kēia pae ma mua o nā ʻāina like ʻole.
ʻAʻole ʻaiʻē wale nā hale, akā nā waiwai nui pū kekahi. Hiki ke hoʻokaʻawale ʻia kēia mau mea i ka waiwai paʻa (ka nui o nā hale) a me nā ʻano waiwai kālā like ʻole (nā waiwai, nā kālā hoʻopukapuka, nā waihona panakō, etc.). ʻIke ikaika loa ka waihona koena aggregate no nā ʻohana Suedena. ʻOiai inā ua kāpae ʻia kāna mau waiwai nui i nā ʻano waihona penikala a ʻo nā waiwai wale nō i hiki ke hoʻopau ʻia ke noʻonoʻo ʻia, ʻoi aku ka nui o kāna mau waiwai ma mua o kāna mau aie. Inā e unuhi ʻia ke kumukūʻai o ka waiwai paʻa, ʻo ia ka liʻiliʻi o ka wai no nā kumu like ʻole, ʻoi aku ka nui o ka waiwai o nā hale i nā aie.
ʻO ka unuhi ʻana i ka uku pānaʻi moraki IRS
Inā loaʻa iā ʻoe kahi home, hiki paha iā ʻoe ke unuhi ʻia no ka ukupanee ma kāu moraki. Hoʻohana pū ka unuhi ʻauhau inā uku ʻoe i ka uku paneʻe ma kahi condominium, cooperative, mobile home, waʻa, a i ʻole kaʻa leʻaleʻa i hoʻohana ʻia ma ke ʻano he hale noho.
ʻO ka ukupanee moraki hiki ke unuhi ʻia ka ukupanee āu e uku ai ma kahi hōʻaiʻē i hoʻopaʻa ʻia e kahi home mua a lua paha i hoʻohana ʻia e kūʻai, kūkulu, a hoʻomaikaʻi nui paha i kou home. I nā makahiki ʻauhau ma mua o 2018, ʻo ka nui o ka ʻaiʻē i hiki ke unuhi ʻia he $1 miliona. I ka makahiki 2018, ua kaupalena ʻia ka nui o ka aie i $750.000. ʻO nā moraki i loaʻa mai ka lā 14 o Kekemapa 2017 e hoʻomau ʻia ka mālama ʻana i ka ʻauhau e like me nā lula kahiko. Eia kekahi, no nā makahiki ʻauhau ma mua o 2018, hiki ke unuhi ʻia ka ukupanee i uku ʻia a hiki i $100.000 o ka ʻaiʻē home equity. Aia kēia mau hōʻaiʻē:
ʻAe, e kaupalena ʻia kāu unuhi ʻana inā hoʻohana ʻia nā moraki a pau e kūʻai, kūkulu, a hoʻomaikaʻi paha i kou home mua (a me ka home ʻelua, inā pili) ka huina ʻoi aku ma mua o $1 miliona ($500,000 inā hoʻohana ʻia ke kūlana hoʻopaʻa male male) no nā makahiki ʻauhau ma mua o 2018 E hoʻomaka ana i ka makahiki 2018, ua hoʻemi ʻia kēia palena i $750.000. ʻO nā moraki i loaʻa mai ka lā 14 o Kekemapa 2017 e hoʻomau ʻia ka mālama ʻana i ka ʻauhau e like me nā lula kahiko.
