ʻEhia ka nui o ka ukupanee moraki e hiki iaʻu ke unuhi i kaʻu ʻauhau?
ʻO ka Home Equity Interest Deduction (HMID) kekahi o nā hoʻomaha ʻauhau i mahalo nui ʻia ma ʻAmelika Hui Pū ʻIa. ʻO nā mea kūʻai hale, nā mea hale, nā mea nona ka hale, a me nā ʻauhau ʻauhau hoʻi e ʻike i kona waiwai. I ka ʻoiaʻiʻo, ʻoi aku ka maikaʻi o ka moʻolelo ma mua o ka ʻoiaʻiʻo.
Ua hoʻololi ka Tax Cuts and Jobs Act (TCJA) i ka makahiki 2017 i nā mea a pau. Ua hōʻemi ʻia ke kumu nui o ka moraki kūpono no ka ukupanee hiki ke unuhi ʻia i $750.000 (mai $1 miliona) no nā hōʻaiʻē hou (ʻo ia hoʻi, hiki i nā mea hale ke unuhi i ka ukupanee i uku ʻia a hiki i $750.000 i ka ʻaiʻē moraki). Aneane hoʻopālua ʻia nā unuhi maʻamau ma o ka hoʻopau ʻana i ka hoʻokuʻu pilikino, no laila ʻaʻole pono i nā mea ʻauhau he nui ke helu, no ka mea ʻaʻole hiki iā lākou ke lawe hou i ka hoʻokuʻu pilikino a hoʻemi i nā mea i ka manawa like.
No ka makahiki mua ma hope o ka hoʻokō ʻia ʻana o ka TCJA, ua manaʻo ʻia he 135,2 miliona mau ʻauhau e lawe i ka unuhi maʻamau. Ma ka hoʻohālikelike, 20,4 miliona i manaʻo ʻia e helu i kā lākou ʻauhau, a ʻo ia mau mea, 16,46 miliona e koi i ka hoʻemi ʻana i ka moraki.
ʻO ka unuhi ʻana i ka uku pānaʻi moraki IRS
Inā loaʻa iā ʻoe ka aie ʻauhau keiki, ʻaʻole hiki iā ʻoe ke loaʻa nā huaora a me nā palapala hōʻaiʻē inā loaʻa iā ʻoe ka ʻauhau ʻauhau hana, ke ʻole ʻoe e loaʻa i ke kōkua hoʻomau. ʻO ka hoʻonui ʻauhau ʻauhau hana ke kōkua āu e loaʻa ai no 4 mau pule ma hope o kou haʻalele ʻana i ka hōʻaiʻē ʻauhau hana.
Ua kapa ʻia kēia kōkua ma ke ʻano he "kōkua kaiaulu" a i ʻole "kālā kākoʻo home". Mālama kēlā me kēia ʻaha kūkā i kāna papahana ponoʻī. ʻOkoʻa ke kōkua i hāʻawi ʻia a me ka mea hiki ke loaʻa. E ʻimi i kāu ʻaha kūkā ma GOV.UK a nīnau inā loaʻa iā lākou kahi Home Support Fund a Welfare scheme e hiki ke kōkua iā ʻoe.
ʻAʻole pono ʻoe e loaʻa nā pōmaikaʻi no ka loaʻa ʻana o ke kōkua mai kāu ʻaha kūkā kūloko. Inā loaʻa iā ʻoe nā pōmaikaʻi, ʻaʻole e pili kēia mau mea inā hoʻomaka ʻoe e loaʻa kālā mai kahi papahana kōkua kaiaulu a i ʻole ka Home Support Fund.
Inā ʻaʻole ʻo ka Housing Benefit a i ʻole Universal Credit i kāu hoʻolimalima āpau a makemake ʻoe i ke kālā hou aʻe, hiki iā ʻoe ke noi no kahi Discretionary Housing Payment (DHP). He kālā keu ka DHP i hāʻawi ʻia e ka ʻaha kūkā e kōkua iā ʻoe e uku i kāu hoʻolimalima.
Mai ke kiʻekiʻe o ka loaʻa kālā e nalowale ai ka unuhi ʻana no ka ukupanee moraki?
Ke hoʻopau ʻia ka hōʻaiʻē moraki, ʻaneʻane pau nā uku i ka ukupanee a ʻaʻole ke kumu 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 e kuleana i ka unuhi ʻana i ka ukupanee moraki. Eia 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.
ʻO ka unuhi ʻana o ka uku moraki 2021
Inā holo ʻoe i kāu ʻoihana ponoʻī, pono ʻoe e hahai i nā lula like ʻole. 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.
