Kodi ndalama zanyumba zimachotsedwa?
Pogula, kugulitsa kapena kukonzanso nyumba, ndalama zotsekera ndi gawo lokwera mtengo la malondawo. Ndipo ngakhale okhometsa misonkho ambiri amayenera kuchotseratu ndalama zomwe amapeza m'malo mochotsa misonkho yawo kuti asunge ndalama zambiri, chaka chomwe mumagula kapena kukonzanso nyumba chingakhale chosiyana.
Kutsekera kungathe kubweretsa ndalama zochotsera msonkho zomwe sizimagwiritsidwa ntchito m'chaka chodziwika bwino cha umwini wa nyumba, ndipo ndalama zowonjezerazo zingakupangitseni kudutsa pakhomo pomwe zimakhala zomveka kuti mutenge ndalama.
Sikuti ndalama zonse zotsekera zimachotsedwa. Nthawi zambiri, ndalama zomwe zitha kuonedwa ngati misonkho kapena chiwongola dzanja zimachotsedwa. Koma, monga muphunzirira pansipa, IRS imayika ndalama zina ngati chiwongola dzanja chomwe munthu wamba samaganizira. Mutha kuchotsera ndalama zambiri zotsekera kuposa momwe mukuganizira.
Pansipa tifotokoza za ndalama zotsekera zomwe mungatenge pogula nyumba, komanso malingaliro aliwonse apadera omwe angakhudze kuchuluka kwa ndalama zomwe mungachotsere kapena chaka cha msonkho chomwe mungafune kuchotsera.
Choyamba, muyenera kudziwa kuchuluka kwa ndalama zomwe zachotsedwa. Pazobweza zamisonkho za 2020 zomwe zidaperekedwa mu 2021, kuchotsera kokhazikika ndi $12.400 kwa anthu pawokha, $18.650 kwa mitu ya mabanja, ndi $24.800 kwa okwatirana omwe amasunga limodzi ndi omwe atsala.
Komiti yotsegulira ngongole yochotsera msonkho
Ogwira ntchito omwe amapeza ndalama zopitirira 50% ya malipiro awo onse monga ndalama zomwe amapeza kuchokera kumakomisheni sizimangokhala pamtundu wa ndalama zomwe angafune kuchita, bola ngati izi zimapangidwa popanga ndalama zomwe amapeza ndipo si zachibale kapena antchito.
Kuti mudziwe ngati ogwira ntchitowa ali ndi ufulu wofuna ndalama zogulira bizinesi, ndalama zomwe amapeza kuchokera kumakomiti olembedwa pa code 3606 ziyenera kupitilira 50% ya malipiro onse mu IRP5, yomwe ndi ndalama zonse zomwe zimaperekedwa kuchokera kundalama zopuma pantchito (3697) ndi ndalama zonse kuchokera ku ndalama zosapuma pantchito (3698). Malipiro onsewa akuphatikizapo malipiro oyambilira, zopereka za chithandizo chamankhwala, ndalama zolipirira moyo wamagulu onse ndi zopereka zilizonse kundalama zopumira pantchito zopangidwa ndi owalemba ntchito.
Komiti ikhoza kukhala chindapusa chochepa kapena peresenti ya mtengo wamalondawo. Ndi ndalama zomwe zimalipidwa pochita malonda. Ngakhale kuti wothandizira angatchulidwe kuti "wothandizira" kapena "woimira", munthuyo amatengedwa ngati "wogwira ntchito" mu Ndandanda Yachinayi ya Lamulo la Misonkho Yopeza. Ndalama za komishoni ndizosiyana. Komiti yomwe yapezedwa imatengedwa kuti ndi yopangidwa ndi abwana ndipo imatengedwa kuti imapezedwa ndi wogwira ntchitoyo m'mwezi wolipira, mosasamala kanthu kuti malonda kapena ndalama zolipirira zomwe zimapanga maziko a kuwerengetserako zidachitika liti.
Ndi ndalama ziti zotsekera zomwe zimachotsedwa pakubwereketsa malo
Ayi, IRS sikukulolani kuti muchotse ndalama zogulira, monga chindapusa cha brokerage ndi ma komisheni, mukagula kapena kugulitsa magawo, koma mutha kuwonjezera kuchuluka kwa ndalamazo pamtengo wogula wa magawo anu. Mtengo wogulira kuphatikiza mtengo wopezera masheya ndiwofanana ndi mtengo wawo.
Ayi, IRS sikukulolani kuti muchotse ndalama zogulira, monga chindapusa ndi ma komisheni, mukagula kapena kugulitsa masheya. Mtengo wogulira kuphatikiza mtengo wopezera masheya ndiwofanana ndi mtengo wawo.
Ndalama zomwe zimagwirizanitsidwa ndi kugula, kusunga ndi kugulitsa magawo, ndalama zosungiramo ndalama ndi ndalama zina sizimachotsedwa pazaka za msonkho 2018-2025. Izi zikuphatikiza chindapusa cha malonda, chindapusa chowongolera, ndi zolipiritsa kapena makomisheni. Ndalamazo sizidzafotokozedwa pa 1099-B yanu chifukwa sizikhudza misonkho yanu.
Mtengo wogula kapena kugulitsa masheya ukuwonekera kale pakupindula/kutaika kwa chiwongoladzanja mukagulitsa masheya… mawonekedwe.
Kodi ndalama zolipirira zimachotsedwa?
Ndandanda A ya msonkho wa 1040 ikufotokoza zochotsera msonkho zomwe pamapeto pake zimathandizira kuchepetsa msonkho wa IRS. Makampani obwereketsa nyumba amasamalira ndalama zomwe bizinesiyo silinabweze zomwe zimawonekera pa mzere wa 20 (womwe umachokera pa fomu ya 2106) ndipo ukhoza kuwerengera zotayikazo muzopeza zanu zovomerezeka. Zikachitika kuti zotayika izi zachotsedwa ku ndalama, makampaniwo atenga avareji yazaka ziwiri za zotayika izi (kapena kugwiritsa ntchito kutayika kwaposachedwa kwambiri ngati kunali kopitilira chaka cham'mbuyo) ndipo izi zidzalingaliridwa pakuwerengera ngongole. ku ndalama.
Zotayika kuchokera ku 2016 / Ndandandandandandandandandandanda ya Bizinesi Yosabwezeredwa iyenera kuganiziridwa pamene ndalama za komisheni zilandilidwa KAPENA pomwe ndalama zamagalimoto zikuphatikizidwa ndi ndalama zomwe wobwereka amapeza pamwezi.
Pa ngongole za FHA ndi VA, ngati ndalama zolipirira ndalama zilizonse zalandilidwa, ndiye kuti ndalama zomwe sizinabwezedwezi ziyenera kuchotsedwa pazopeza. (Mwaukadaulo, a VA sakhala chete pa nthawi yowerengera ndalamazi, kotero makampani obwereketsa nyumba amatsutsana ndi malangizo a FHA.)
