tilbakemelding
Ke uku ʻia ka hōʻaiʻē moraki, ʻaneʻane pau nā uku i ka ukupanee a ʻaʻole kumu no nā makahiki mua. ʻOiai ma hope aku, hiki i ka ʻāpana ukupanee ke lilo i mea nui o kāu uku. Eia naʻe, hiki iā ʻoe ke unuhi i ka ukupanee āu e uku ai inā hoʻokō ka hōʻaiʻē i nā koi moraki IRS.
I mea e hoʻemi ʻia ai kāu uku moraki, pono e hoʻopaʻa ʻia ka hōʻaiʻē e kou home, a ua hoʻohana ʻia nā mea i loaʻa mai ka hōʻaiʻē e kūʻai, kūkulu, a hoʻomaikaʻi paha i kou hale noho mua, a me kahi home ʻē aʻe āu. pono iā ʻoe, hoʻohana no nā hana pilikino.
Inā hoʻolimalima ʻoe i kou home ʻelua i nā mea hoʻolimalima i ka makahiki, a laila ʻaʻole hoʻohana ʻia ia no nā hana pilikino a ʻaʻole ʻoe kuleana i ka unuhi ʻana i ka ukupanee moraki. Eia nō naʻe, hiki ke unuhi ʻia nā hale hoʻolimalima inā hoʻohana ʻoe iā lākou i hale noho no ka liʻiliʻi o 15 mau lā o ka makahiki a i ʻole ma mua o 10% o nā lā āu e hoʻolimalima ai iā lākou i nā mea hoʻolimalima, ʻoi aku ka nui.
Hāʻawi ka IRS i nā palena like ʻole i ka nui o ka ukupanee hiki iā ʻoe ke unuhi i kēlā me kēia makahiki. No nā makahiki ʻauhau ma mua o 2018, hiki ke unuhi ʻia ka ukupanee a hiki i $100.000 miliona o ka ʻaiʻē kūʻai inā ʻike ʻoe i nā unuhi. Hiki ke unuhi ʻia ka ukupanee no kahi $XNUMX hou i ka aie inā hoʻokō ʻia kekahi mau koi.
2018 hoʻomaha ʻauhau no nā koi a me nā pōʻino
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.
Pehea e helu ai i ka ʻauhau loaʻa
ʻO ka unuhi ʻauhau waiwai kekahi o nā pōmaikaʻi ʻauhau he nui i loaʻa i nā mea hale ma ʻAmelika i nā makahiki. Ua hoʻopau ka Tax Cuts and Jobs Act o 2017 i ka nui o kēlā hoʻemi - ka unuhi ʻauhau mokuʻāina a me ka ʻauhau kūloko (SALT) - ma $10.000. ʻO ka ʻauhau ʻauhau waiwai e hiki ai i nā mea hale ke unuhi i kā lākou waiwai kūloko, a i ʻole nā ʻauhau waiwai, mai kā lākou ʻauhau kālā federal.
Hoʻohana ʻia nā ʻauhau mokuʻāina a kūloko e uku i nā lawelawe ma kahi āu e noho ai. ʻO ka mea nui, hoʻolimalima pinepine nā ʻauhau waiwai i nā apana kula, ka ʻohi ʻōpala, a me nā lawelawe ʻē aʻe a pau a nā kaona. Ua helu ʻia nā ʻauhau waiwai ma ka ʻāina ma muli o ka waiwai o kou home.
Inā mālama kāu mea lawelawe moraki i kahi waihona escrow-i kekahi manawa i kapa ʻia he moraki impound-ma kou inoa, ʻaʻole paha ʻoe e noʻonoʻo nui i ka ʻauhau waiwai, akā ke uku ʻia nei lākou ma ke ʻano o kāu uku moraki o kēlā me kēia mahina. Hoʻohana pū ʻia kēia moʻokāki no ka uku ʻana i ka ʻinikua hale a me nā uku ʻinikua moraki, inā pili.
ʻO ka mea mua, ua hoʻopau ke kānāwai 2017 i ka nui o ka ʻauhau ʻauhau waiwai. Hiki iā ʻoe ke unuhi i ka huina o $10.000 ma ka ʻauhau mokuʻāina a me ka ʻauhau ʻāina inā he male ʻoe, ke poʻo o ka ʻohana, a i ʻole ka hoʻopaʻa inoa male ʻana, a me $5.000 inā male ka waiho ʻokoʻa.
Inā loaʻa iaʻu ka loaʻa kālā, pehea wau e hoʻopiha ai i ka ʻauhau ʻauhau?
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku mai iā mākou. Hiki i kēia ke hoʻololi i nā huahana a mākou e kākau ai a ma hea a pehea e ʻike ʻia ai ka huahana ma kahi ʻaoʻao. Akā naʻe, ʻaʻole pili kēia i kā mākou loiloi. ʻO kā mākou mau manaʻo no mākou iho.
ʻO ka unuhi ʻana i ka ukupanee moraki he unuhi ʻauhau ia no ka ukupanee moraki i uku ʻia ma ka ʻaiʻē mua o ka moraki. Hiki i nā mea hale i kūʻai i nā hale ma hope o Dec. 15, 2017, hiki ke unuhi i ka ukupanee ma ka $750.000 mua o ka moraki. ʻO ke koi ʻana i ka unuhi ʻana i ka moraki e pono ai ka helu ʻana i kāu hoʻihoʻi ʻauhau.
ʻO ka unuhi ʻana i ka ukupanee moraki hiki iā ʻoe ke hoʻemi i kāu loaʻa kālā ʻauhau ma ka nui o ke kālā āu i uku ai i ka ukupanee moraki i ka makahiki. No laila inā he moraki kāu, e mālama i kahi moʻolelo maikaʻi: ʻo ka ukupanee āu e uku ai ma kāu hōʻaiʻē moraki hiki ke kōkua iā ʻoe e hōʻemi i kāu bila ʻauhau.
E like me ka mea i hōʻike ʻia, hiki iā ʻoe ke unuhi maʻamau i ka ukupanee moraki āu i uku ai i ka makahiki ʻauhau ma ka miliona mau kālā mua o kāu aie moraki ma kou home nui a lua paha. Inā kūʻai ʻoe i ka hale ma hope o Dekemaba 15, 2017, hiki iā ʻoe ke unuhi i ka ukupanee āu i uku ai i ka makahiki ma ka $750.000 mua o ka moraki.
