Chiwongola dzanja chichotsedwa mu 2020
Zambiri kapena zonse zomwe zili pano ndi zochokera kwa anzathu omwe amatilipira. Izi zitha kukhudza zomwe timalemba komanso komwe zimawonekera patsamba. Komabe, izi sizikhudza kuwunika kwathu. Malingaliro athu ndi athu.
Kuchotsera chiwongola dzanja chanyumba ndikuchotsa msonkho pa chiwongola dzanja chanyumba chomwe chimaperekedwa pangongole yanyumba yoyambira miliyoni miliyoni. Eni nyumba omwe adagula nyumba pambuyo pa Dec. 15, 2017, akhoza kutenga chiwongoladzanja pa $ 750.000 yoyamba ya ngongole. Kufuna kuchotsera chiwongoladzanja cha ngongole kumafuna kuti mubwereze msonkho wanu.
Kuchotsera chiwongoladzanja cha chiwongola dzanja kumakupatsani mwayi wochepetsera ndalama zomwe mumalipira msonkho ndi ndalama zomwe mudalipira pa chiwongola dzanja chanyumba mkati mwa chaka. Chifukwa chake ngati muli ndi ngongole yanyumba, sungani mbiri yabwino: chiwongola dzanja chomwe mumalipira pa ngongole yanu yanyumba chingakuthandizeni kuchepetsa msonkho wanu.
Monga taonera, mutha kuchotsa chiwongola dzanja chomwe mudalipira mchaka cha msonkho pa madola miliyoni miliyoni a ngongole yanu yanyumba panyumba yanu yayikulu kapena yachiwiri. Ngati munagula nyumbayo pambuyo pa Disembala 15, 2017, mutha kuchotsa chiwongola dzanja chomwe mudalipira mchaka pa $750.000 yoyamba yangongole.
Chifukwa chiyani chiwongola dzanja changa chobwereketsa sichikuchotsedwa?
Palibe zambiri zokhudza misonkho zomwe zimasangalatsa anthu, kupatulapo pankhani ya kuchotsera. Kuchotsera misonkho ndi zinthu zina zomwe zimachitika m'chaka chonse cha msonkho zomwe zingachotsedwe ku ndalama zokhoma msonkho, motero kuchepetsa ndalama zomwe ziyenera kulipidwa pamisonkho.
Ndipo kwa eni nyumba omwe ali ndi ngongole yanyumba, pali zochotsera zina zomwe angaphatikizepo. Kuchotsera chiwongola dzanja cha ngongole ndi chimodzi mwazochotsa msonkho zingapo kwa eni nyumba zoperekedwa ndi IRS. Werengani kuti mudziwe chomwe chiri komanso momwe mungadzitengere pamisonkho yanu chaka chino.
Kuchotsera chiwongola dzanja chanyumba ndi chilimbikitso cha msonkho kwa eni nyumba. Kuchotsera kophatikizikaku kumathandizira eni nyumba kuwerengera chiwongola dzanja chomwe amalipira pangongole yokhudzana ndi kumanga, kugula kapena kukonza nyumba yawo yayikulu motsutsana ndi ndalama zomwe amapeza, kuchepetsa msonkho womwe amalipira. Kuchotsera uku kutha kugwiritsidwanso ntchito ku ngongole zanyumba zachiwiri, bola mutakhala mkati mwa malire.
Pali mitundu ina ya ngongole zanyumba zomwe zimayenera kuchotsera msonkho wa chiwongola dzanja. Zina mwa izo ndi ngongole zogulira, kumanga kapena kukonza nyumba. Ngakhale ngongole yobwereketsa ndi ngongole yanyumba, ngongole yobwereketsa nyumba, mzere wangongole, kapenanso kubwereketsa kubwereketsa kwachiwiri kungakhalenso koyenerera. Mutha kugwiritsanso ntchito kuchotsera chiwongola dzanja chanyumba mukakonzanso nyumba yanu. Mukungoyenera kuwonetsetsa kuti ngongoleyo ikukwaniritsa zomwe zili pamwambazi (kugula, kumanga kapena kukonza) komanso kuti nyumba yomwe ikufunsidwayo ikugwiritsidwa ntchito poteteza ngongoleyo.
Chowerengera Chochotsera Chiwongola dzanja cha Mortgage
Wogula akaganizira zogula kapena kugulitsa nyumba, ayenera kudziwa kuti pali zabwino zambiri zamisonkho zomwe zingapangitse umwini wanyumba kukhala wopindulitsa. Kugula nyumba kungakhale imodzi mwazinthu zazikulu kwambiri zogulira ogula. Chifukwa cha mitundu yosiyanasiyana ya misonkho yomwe boma limakhazikitsa kuti lilimbikitse ogula kugula nyumba, kugula nyumba kungakhale chisankho chanzeru kwambiri. Pamapeto pake, wogula amene amapezerapo mwayi pa msonkho umenewu akhoza kusunga ndalama zambiri panthawi yogula komanso panthawi yogulitsa. Chifukwa cha zoletsa zosiyanasiyana ndi mikhalidwe yokhudzana ndi zopindula zamisonkhozi, ndikofunikira kuti mufunsane ndi alangizi anu azachuma kapena owerengera ndalama kuti mumvetsetse bwino phindu ndi mwayi wa phindu la msonkho kwa eni nyumba.
Munda womwe uli pamwambapa wakhazikitsidwa kuti "inde" ngati phindu la msonkho ndi loposa $200, popeza kuchotsedwa kwazinthu kumawonjezera mwayi wofufuza ndipo zobweza zomwe zalembedwa nthawi zambiri zimawononga $100-$200 zochulukirapo pokonzekera kuposa kukonzekera Fomu 1040 popanda kuchotsera.
Kodi ndingatengeko chiwongola dzanja chanji pamisonkho yanga?
The Home Equity Interest Deduction (HMID) ndi imodzi mwamisonkho yomwe imayamikiridwa kwambiri ku United States. Ogulitsa nyumba, eni nyumba, omwe angakhale eni nyumba, ndipo ngakhale owerengera misonkho 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 amayembekezeredwa kupereka misonkho, ndipo mwa iwo, 16,46 miliyoni angafune kuchotsera chiwongola dzanja cha ngongole.
