Ndi zolemba ziti zomwe ndikufunika zamisonkho ngati ndagula nyumba
Kukhala ndi nyumba kumatha kuwonjezera ndalama zomwe mwasunga, komanso ndi ntchito yambiri. Kuphatikiza pazachuma ndi maudindo a malo anu okhala, muyenera kupeza obwereketsa, kutenga inshuwaransi, ndikulipira misonkho yanyumba ndi nyumba. Kubwereka nyumba kungathenso kusokoneza mkhalidwe wanu wamisonkho. Mwamwayi, Amalume Sam amakulolani kuti muchotse ndalama zina zokhudzana ndi kuyang'anira malo obwereketsa. IRS imanena kuti ndalama zochotsedwa ziyenera kukhala wamba komanso zovomerezeka mubizinesi yobwereketsa, komanso zofunika kuyang'anira ndi kusamalira malowo. Mukhozanso kugwira ntchito ndi mlangizi wa zachuma kuti akuthandizeni kusamalira ndalama ndi msonkho wa malo anu enieni.
Eni nyumba ambiri amagwiritsa ntchito ngongole kuti agule nyumba zawo, zomwezo zimapitanso kumalo obwereka. Eni nyumba omwe ali ndi ngongole adzapeza kuti chiwongoladzanja cha ngongole ndicho ndalama zawo zazikulu zomwe zimachotsedwa. Kuti mumveke bwino, simungachotse gawo la ngongole yanu yanyumba yomwe imapita kumtengo waukulu wangongole. M'malo mwake, kuchotserako kumangokhudza malipiro a chiwongoladzanja. Zigawozi ziwoneka padera pa sitetimenti yanu ya pamwezi, zomwe zimapangitsa kuti zikhale zosavuta kuzifotokoza. Ingochulukitsani ndalama zonse pamwezi ndi 12 kuti mupeze chiwongola dzanja chonse chapachaka.
2021 ngongole yamisonkho yanyumba
A. Phindu lalikulu la msonkho wa umwini wa nyumba ndikuti ndalama zobwereketsa zomwe eni amalandira sizimaperekedwa msonkho. Ngakhale kuti ndalamazo sizilipidwa msonkho, eni nyumba amatha kubweza chiwongoladzanja cha ngongole ndi malipiro a msonkho wa katundu, komanso ndalama zina kuchokera ku ndalama zomwe amapeza ku federal ngati achotsa ndalama zawo. Kuonjezera apo, eni nyumba akhoza kusiya, mpaka malire, phindu lalikulu lomwe amapeza pogulitsa nyumba.
Khodi ya msonkho imapereka maubwino angapo kwa anthu omwe ali ndi nyumba zawo. Phindu lalikulu ndi loti eni nyumba salipira msonkho pa ndalama zobwereka zomwe amapeza kuchokera m'nyumba zawo. Sayenera kuwerengera mtengo wobwereketsa wa nyumba zawo ngati ndalama zokhoma msonkho, ngakhale kuti mtengowo ndi kubwereranso kwandalama monga zopindula pamasheya kapena chiwongola dzanja pa akaunti yosungira. Ndi mtundu wa ndalama zomwe sizilipidwa msonkho.
Eni nyumba atha kuchotsera zonse chiwongola dzanja cha ngongole ndi msonkho wa katundu, komanso ndalama zina, kuchokera ku msonkho wawo wa federal ngati apereka ndalama zawo. Pamisonkho yomwe imagwira ntchito bwino, ndalama zonse zimakhala zokhoma msonkho ndipo ndalama zonse zokweza ndalamazo zidzachotsedwa. Chifukwa chake, pamisonkho yogwira ntchito bwino, payenera kukhala kuchotsedwa kwa chiwongola dzanja chanyumba ndi misonkho yanyumba. Komabe, dongosolo lathu lamakono silipereka msonkho wa ndalama zomwe eni nyumba amapeza, choncho zifukwa zochotsera ndalama zopezera ndalamazo sizikudziwika bwino.
Thandizo la msonkho pogula nyumba 2020
Mutha kukhala katswiri wa eni nyumba akugula kuti akulole, kapena kubwereketsa nyumba yanu ngati "mwini mwangozi" chifukwa mudalandira cholowa, kapena chifukwa simunagulitse malo am'mbuyomu. Kaya zinthu zili bwanji, onetsetsani kuti mukudziwa udindo wanu wachuma.
Ngati muli ndi ngongole yokhalamo, m'malo mogula kubwereketsa, muyenera kudziwitsa wobwereketsa wanu ngati wina akakhala kumeneko. Izi zili choncho chifukwa ngongole zanyumba sizikulolani kuti mubwereke malo anu.
Mosiyana ndi ngongole zogulira nyumba, mapangano a chilolezo chobwereketsa amakhala ndi nthawi yayitali. Nthawi zambiri amakhala kwa miyezi 12, kapena ngati muli ndi nthawi yokhazikika, ndiye kuti zitha kukhala zothandiza ngati yankho kwakanthawi.
Ngati simuuza wobwereketsayo, zotsatira zake zimakhala zazikulu, chifukwa zitha kuonedwa ngati chinyengo cha ngongole. Izi zikutanthauza kuti wobwereketsa wanu angafunike kuti mulipire ngongole yanu nthawi yomweyo kapena kuyika chiwongola dzanja pamalowo.
Eni nyumba sangathenso kuchotsera chiwongola dzanja chanyumba ku ndalama zobwereka kuti achepetse misonkho yomwe amalipira. Tsopano alandila ngongole yamisonkho kutengera chiwongola dzanja cha 20% pamalipiro awo anyumba. Kusintha kwa lamuloli kungatanthauze kuti mudzalipira msonkho wochulukirapo kuposa kale.
Momwe mungasungire misonkho ngati mwagula nyumba ndi munthu
Ngati mwangogula nyumba yatsopano, ndi nthawi yoti mudziwe tanthauzo lake. Sikuti mudzakhala ndi ufulu wopenta makoma anu mtundu uliwonse womwe mukufuna ndikupanga khitchini ya maloto anu, komanso mudzayenera kuthana ndi zovuta za umwini wanyumba ndi misonkho.
Inde, mwanjira ina mudzawona kuti kugula nyumba kudzakuthandizani misonkho. Komabe, misonkho monga mwini nyumba ndizovuta kwambiri kuposa zomwe mungazoloŵerepo kale. Kaya mwasankha kutsatira kuchotsera msonkho wamba kapena kuchotsera zomwe mwachotsa, werengani kuti mudziwe za eni nyumba ndi misonkho.
Pali mitundu iwiri yochotsera msonkho. Mutha kusankha kuchotsera kokhazikika - njira yodziwika bwino - kapena mutha kusankha kuchotsera zomwe mwachotsa. Kuchotsera kokhazikika ndi ndalama zokhazikika zomwe federal tax system imakulolani kuti muchotse. Ndi kuchotsera kokhazikika, simukuyenera kupereka umboni wa zomwe mwawononga ku IRS.
