Kodi msonkho wa nyumba yobwereketsa umachotsedwa?
Nthawi zonse ngongole ikapezeka, maboma ndi maboma amalipiritsa msonkho wolembetsa wanyumba kuti alembe zomwe zachitika ndi ngongoleyo. Mtengowu ndi wosiyana ndi chiwongola dzanja chanyumba ndi msonkho wapachaka wapachaka. Pokhala ndi boma, msonkho wobwereketsa ngongole uyenera kulipidwa ku boma pamene ngongole yanyumba yalembedwa.
Kuwerengera msonkho wobwereketsa nyumba ndikosavuta. Tengani wamkulu wa ngongole yanu, zomwe ndi ndalama zonse zomwe wobwereketsa wakubwereketsani, ndipo mugawane ndi 100. Kenako, zungulirani gawolo ku nambala yonse yapafupi. Tengani zotsatirazo ndikuchulutsa ndi msonkho wa msonkho wa boma lanu. Pomaliza, yang'anani chithandizo cha msonkho. M'maboma ena, mutha kubweza ndalama pakuwerengera, choncho onetsetsani kuti mwayang'ana malamulo amdera lanu.
Pitani ku dipatimenti yanu ya Misonkho ndi Zachuma m'boma kuti mupeze mafomu a msonkho wanyumba. Chonde dziwani kuti misonkho yobwereketsa nyumba imatha kusiyanasiyana m'maboma ndi/kapena mizinda m'boma, kotero fufuzani ndi dera lanu.
Mtengo wa msonkho wa nyumba
Monga lamulo, mutha kungochotsa ndalama zogulira nyumba, ndipo pokhapokha mutachotsa zomwe mwachotsa. Ngati mukutenga njira yochotsera, mutha kunyalanyaza zina zonse chifukwa sizigwira ntchito.
Zindikirani: Tikuwona kuchotsera msonkho kwa boma kokha kwa chaka cha 2021, chomwe chinaperekedwa mu 2022. Kuchotsera msonkho wa boma kudzasiyana. Nkhaniyi ndi yongofuna kudziwa zambiri. The Mortgage Reports si tsamba lamisonkho. Yang'anani malamulo oyenerera a Internal Revenue Service (IRS) ndi katswiri wodziwa zamisonkho kuti muwonetsetse kuti akugwira ntchito pazochitika zanu.
Thandizo lanu lalikulu la msonkho liyenera kubwera kuchokera ku chiwongola dzanja chomwe mumalipira. Izi si ndalama zanu zonse pamwezi. Ndalama zomwe mumalipira kwa wamkulu wangongole sizimachotsedwa. Ndi gawo lachiwongola dzanja lokha.
Ngati ngongole yanu ikugwira ntchito pa December 14, 2017, mukhoza kuchotsa chiwongoladzanja pa ngongole yokwana $ 1 miliyoni ($ 500.000 iliyonse, ngati mwakwatirana ndikulemba padera). Koma ngati munatenga ngongole yanu pambuyo pa tsikulo, kapu ndi $750.000.
Kukhululukidwa kwa Misonkho Yobwereketsa Nyumba ya New York
Misonkho yolembetsa ku New York City ndi imodzi mwamitengo yayikulu kwambiri yotsekera omwe ogula nyumba ku New York City amalipira akamagwiritsa ntchito ngongole yanyumba kuti alipire gawo lalikulu la kugula kwawo. Mwinamwake mukuganiza, "O, misonkho yambiri." Palibe chifukwa chodandaula! Nazi zina zothandiza kuti zikuthandizeni kumvetsetsa kuchuluka kwa ndalama zomwe mudzalipire, nthawi yoti msonkho ubwere, komanso momwe mungachotsere msonkho wanu wolembetsa nyumba ndi ndalama zomwe mwabweza kuchokera pakubwezeredwa kwa komishoni.
Misonkho yolembetsa kubwereketsa nyumba imafuna ogula kuti alipire 1,8% panyumba zanyumba zosakwana $500.000 ndi 1,925% panyumba zanyumba zopitilira $500.000 ku New York City (izi zikuphatikiza msonkho wolembetsa wa mzinda ndi New York). Boma la New York limapereka msonkho wa 0,5%. Ndikofunikira kuzindikira kuti kuchuluka kwa misonkho yonse yobwereketsa nyumba kumatengera kuchuluka kwa ngongoleyo osati pamtengo wogulira katundu wanyumba.
Inde, ndi gawo lalikulu la ndalama zomwe zimatuluka m'thumba mwanu ndipo, mwatsoka, zimalipidwa pasadakhale. Mwachitsanzo, ngati munagula Manhattan condo wamba $2,000,000 (ndiwopenga kuganiza, koma ndiye pafupifupi!), Ndi 20% malipiro pansi, muyenera kuyembekezera kulipira 1.925% pa ngongole $1,600,000 kapena pafupifupi $30,800 basi. msonkho wolembetsa nyumba.
Kodi kujambula kwa ngongole yanyumba kumachotsedwa?
The Home Equity Interest Deduction (HMID) ndi imodzi mwamisonkho yomwe imayamikiridwa kwambiri ku United States. Ogulitsa nyumba, eni nyumba, oyembekezera kukhala eni nyumba, ndipo ngakhale akauntanti amisonkho amawonetsa mtengo wake. Kunena zoona, nthano nthawi zambiri imakhala yabwino kuposa zenizeni.
Lamulo la Tax Cuts and Jobs Act (TCJA) lomwe ladutsa mu 2017 lidasintha chilichonse. Kuchepetsa chiwongola dzanja chachikulu cha chiwongola dzanja mpaka $750,000 (kuchokera pa $1 miliyoni) pangongole zatsopano (kutanthauza kuti eni nyumba atha kuchotsa chiwongola dzanja cholipiridwa mpaka $750,000 pangongole yanyumba). Koma idachulukitsanso kuwirikiza kawiri kuchotsera kwanthawi zonse pochotsa kusakhululukidwa kwaumwini, zomwe zimapangitsa kuti zikhale zosafunikira kuti okhometsa msonkho ambiri alembe, popeza sakanathanso kukhululukidwa ndikuchotsa ndalama nthawi imodzi.
Kwa chaka choyamba TCJA itakhazikitsidwa, okhometsa misonkho pafupifupi 135,2 miliyoni akuyembekezeka kuchotseratu. Poyerekeza, 20,4 miliyoni akuyembekezeka kuchotseratu ndalamazo, ndipo mwa iwo, 16,46 miliyoni angafune kuchotsera chiwongola dzanja chanyumba.
