Pehea e waiho ai i ka ʻauhau inā kūʻai ʻoe i hale me kekahi
Inā ʻoe e hoʻolimalima ʻoi aku ma mua o hoʻokahi waiwai, e hoʻohui pū ʻia nā loaʻa a me nā poho o ia mau waiwai e loaʻa i kahi helu waiwai a pohō hoʻokahi no kāu ʻoihana waiwai. Eia naʻe, pono e hoʻokaʻawale ʻia nā loaʻa a me nā poho mai nā waiwai o waho mai ka waiwai o UK.
Hiki iā ʻoe ke kaʻana like i ka kuleana o kahi waiwai hoʻolimalima me nā poʻe ʻē aʻe a ʻo ka nui o ka loaʻa kālā hoʻolimalima āu e uku ai i ka ʻauhau ma muli o kou hoihoi i ka waiwai. ʻAʻole ʻoihana ʻokoʻa kou komo ʻana i kahi ʻoihana waiwai i hui pū ʻia mai nā waiwai i loaʻa iā ʻoe.
Inā loaʻa iā ʻoe ka waiwai ma nā ʻāpana like ʻole a loaʻa iā ʻoe ka loaʻa kālā ma nā ʻāpana like ʻole, hiki ke ʻauhau ʻia ka loaʻa kālā ma ia kumu. Pono nā mea ʻelua e haʻi i nā kuleana maoli i ka waiwai a me ka loaʻa kālā hui.
Inā loaʻa iā ʻoe ka waiwai me kahi mea ʻē aʻe ma waho o kāu kāne a i ʻole kāu hoa pili home, ʻo kāu ʻāpana o ka loaʻa kālā a i ʻole nā mea poho e kau ʻia ma luna o ka ʻāpana o ka waiwai āu i loaʻa ai, ke ʻole ʻoe e ʻae i kahi mahele ʻokoʻa.
Wehe i ka ukupanee moraki
Ke kūʻai, kūʻai aku a hoʻihoʻi hou i kahi home, ʻo ka pani ʻana i nā kumukūʻai he ʻāpana nui loa ia o ke kālepa. A ʻoiai ʻo ka hapa nui o ka poʻe ʻauhau e lawe i ka unuhi maʻamau ma mua o ka hoʻokaʻawale ʻana i kā lākou ʻauhau loaʻa e hoʻonui ai i ka mālama kālā, ʻo ka makahiki āu e kūʻai ai a hoʻihoʻi hou i kahi home.
Hiki i nā koina pani ke hopena i nā lilo hiki ke unuhi ʻia i ka ʻauhau ʻaʻole i loaʻa i ka makahiki maʻamau o ka noho ʻana o ka home, a hiki i kēlā mau hoʻolimalima hou ke hoʻokuke iā ʻoe ma luna o ka paepae kahi e manaʻo ai ke kālā e helu.
ʻAʻole hiki ke unuhi ʻia nā koina pani a pau. Ma keʻano laulā, hiki ke unuhi ʻia nā lilo i manaʻo ʻia he ʻauhau a ukupanee paha. Akā, e like me kāu e aʻo ai ma lalo nei, hoʻokaʻawale ka IRS i kekahi mau koina ma ke ʻano he hoihoi ʻaʻole i noʻonoʻo ʻia e ka mea maʻamau. Hiki paha iā ʻoe ke unuhi i nā kumukūʻai pani ʻoi aʻe ma mua o kou manaʻo.
Ma lalo e wehewehe mākou i nā kumukūʻai pani hiki iā ʻoe ke unuhi ma ke kūʻai ʻana i ka home, a me nā manaʻo kūikawā e pili ana i ka nui āu e hiki ai ke unuhi a i ʻole ka makahiki ʻauhau e hiki ai iā ʻoe ke koi i ka unuhi.
ʻO ka mea mua, pono ʻoe e ʻike i nā huina o kēia manawa o ka unuhi maʻamau. No nā ʻauhau ʻauhau 2020 i waiho ʻia ma 2021, ʻo ka unuhi maʻamau he $12.400 no kēlā me kēia kanaka, $18.650 no nā poʻo o nā hale, a me $24.800 no nā kāne male e waiho pū ana a me nā hoa ola.
Wehe ʻauhau no ka noho maʻamau
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 e 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 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.
Ka helu helu o nā pono ʻauhau o ka loaʻa ʻana o kahi home
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.
