H&r block kuchotsera chiwongola dzanja
Ngati muli ndi nyumba, ndiye kuti muli ndi ufulu wochotsedwa pa chiwongola dzanja chanu. Kuchotsera msonkho kumagwiranso ntchito ngati mupereka chiwongola dzanja pa condominium, cooperative, mobile home, boti, kapena galimoto yosangalalira yomwe mumagwiritsa ntchito ngati nyumba.
Chiwongola dzanja chamtengo wapatali ndi chiwongola dzanja chilichonse chomwe mumalipira pangongole yotetezedwa ndi nyumba yoyamba kapena yachiwiri yomwe idagwiritsidwa ntchito kugula, kumanga, kapena kukonza nyumba yanu. M'zaka zamisonkho chisanafike chaka cha 2018, ngongole yayikulu yomwe ingachotsedwe inali $ 1 miliyoni. Pofika chaka cha 2018, kuchuluka kwangongole kumangokhala $750.000. Ngongole zanyumba zomwe zinalipo kuyambira pa Disembala 14, 2017 zipitiliza kulandira msonkho womwewo monga pansi pa malamulo akale. Kuonjezera apo, kwa zaka za msonkho chaka cha 2018 chisanafike, chiwongoladzanja chomwe chinaperekedwa pa $ 100.000 ya ngongole yanyumba idachotsedwanso. Ngongole izi zikuphatikiza:
Inde, kuchotsera kwanu kumakhala kochepa ngati ngongole zonse zogulira, kumanga, kapena kukonza nyumba yanu yoyamba (ndi nyumba yachiwiri, ngati ikuyenera) zonse zimaposa $1 miliyoni ($500,000 ngati mukugwiritsa ntchito zolemba zapabanja) zaka zamisonkho chaka cha 2018 chisanafike. Kuyambira mu 2018, malirewa adatsitsidwa mpaka $750.000. Ngongole zanyumba zomwe zinalipo kuyambira pa Disembala 14, 2017 zipitiliza kulandira msonkho womwewo monga pansi pa malamulo akale.
Malingaliro a kampani H&R Block Mortgage Corporation
Mutha kuchotsa chiwongola dzanja pa ndalama zomwe mudabwereka kuti mugule kapena kukonza malo anu obwereketsa. Ngati muli ndi chiwongola dzanja chokhudzana ndi nthawi yomanga kapena kukonzanso, pitani ku Ma Cost Soft Costs.
Mutha kuchotseranso chiwongola dzanja chilichonse chomwe mwalipira kwa obwereketsa pamadipoziti obwereketsa. Ngati mukufuna chiwongola dzanja ngati ndalama zobwereketsa pa Fomu T776, musaphatikize ngati ndalama zoyendera pa Fomu 5000-D1, Federal Worksheet (kwa aliyense kupatula osakhala nzika).
Musamachotse zonse m’chakacho ndalama zonse zolipirira chiwongola dzanja kapena ndalama zolipiridwa kuti muchepetse chiwongoladzanja cha ngongole yanyumba. Perekani ndalamazi pa nthawi yotsala ya kubwereketsa nyumba kapena ngongole. Zilango kapena mabonasi omwe amaperekedwa ku bungwe lazachuma kuti athe kubweza ngongole yanyumba isanakhwime amawerengedwanso.
Mwachitsanzo, ngati nthawi yobwereketsa kapena kubwereketsa nyumba ndi zaka zisanu, ndipo m’chaka chachitatu mumalipira ndalama kuti muchepetse chiwongoladzanja, chindanicho ndi ndalama zolipiriratu ndipo muzichotsa pa nthawi yotsala ya ngongoleyo. .
pita ndandanda a
Kugula nyumba sikunakhale kokwera mtengo kwambiri, koma ngati mutaipeza yomwe mungakwanitse, pali uthenga wabwino mutasamukira: Mungathe kutengapo mwayi pakuchotserako chiwongoladzanja cha chiwongola dzanja kuti muchepetse msonkho wanu. chiwongola dzanja chingakhale chovuta kwambiri. Kuyang'ana nyengo ya msonkho, tikukupatsirani chiwongolero chokuthandizani kumvetsetsa zomwe chiwongola dzanja chingayenerere kuchotsedwa komanso momwe mungapindulire nacho ngati mutakwaniritsa zofunikira. Ngati muli ndi ngongole yanyumba, kuchotserako chiwongola dzanja chanyumba kungakupatseni mwayi wochepetsera ndalama zomwe mumakhoma msonkho ndi kuchuluka kwa chiwongola dzanja chomwe mumalipira pangongoleyo mkati mwa chaka, komanso ndalama zina monga malipiro a inshuwaransi yanyumba ndi mapointsi. pa ngongole yanu yobwereketsa, osati wamkulu, ndipo kuti mubwereze, muyenera kutulutsa zomwe mwachotsa. Mutha kugwiritsa ntchito chowerengera chochotsera chiwongola dzanja cha Bankrate.com kuti muwerenge ndalama zomwe mungayembekezere popereka misonkho.
Kodi ndimasiya kuchotsera ngongole yanyumba kuyambira chaka chiyani? 2021
Eni nyumba ambiri ali ndi chinthu chimodzi choyenera kuyembekezera panthawi ya msonkho: kuchotsa chiwongoladzanja cha ngongole. Izi zikuphatikiza chiwongola dzanja chilichonse chomwe mumalipira pangongole yotetezedwa ndi nyumba yanu yoyamba kapena nyumba yachiwiri. Ndiko kuti, ngongole yanyumba, ngongole yachiwiri, ngongole yanyumba, kapena mzere wa ngongole wanyumba (HELOC).
Mwachitsanzo, ngati muli ndi ngongole ya $ 300.000 yoyamba ndi ngongole ya $ 200.000 ya nyumba, chiwongoladzanja chonse choperekedwa pa ngongole zonsezi chikhoza kuchotsedwa, chifukwa simunapitirire malire a $ 750.000.
Kumbukirani kusunga ndalama zomwe mumagwiritsa ntchito pokonzanso nyumba ngati mutayesedwa. Mutha kubwereranso ndikumanganso ndalama zanu zanyumba zachiwiri zomwe zidatengedwa zaka zisanasinthe lamulo la msonkho.
Eni nyumba ambiri amatha kuchotsera chiwongola dzanja chawo chonse. Lamulo la Tax Cuts and Jobs Act (TCJA), lomwe likugwira ntchito kuyambira 2018 mpaka 2025, limalola eni nyumba kuti achotse chiwongola dzanja pa ngongole zanyumba mpaka $ 750.000. Kwa okhometsa misonkho omwe amagwiritsa ntchito kusungitsa mabanja, malire a ngongole yogulira nyumba ndi $375.000.
