Malire opeza ngongole yanyumba
kuti EU sivomereza. Kuyambira 2013, msonkho wapamwamba kwambiri womwe chiwongola dzanja chanyumba chikhoza kuchotsedwa wachepetsedwa. M'mbuyomu, kuchuluka kwa msonkho kunali 52%, koma kuyambira 2013 kuchuluka kwakukulu kwachepetsedwa. Mu 2019 mutha kuchotserabe 49%, chaka chamawa 46%, mu 2021 motsutsana ndi 43%, mu 2022 motsutsana ndi 40% ndipo mu 2023 motsutsana ndi 37,05%.
kuchotsera pa msonkho woperekedwa. Aphunzitsi mu bizinesi yathu afika ponena kuti pakali pano msonkho wapamwamba umene mungathe kuchotsera ndi 38% kapena kucheperapo, nyumba yomwe mukuchotseramo ngongole, mukhoza kupita ku. bokosi 3. Bokosi 3 ndi gawo la msonkho wa msonkho umene chuma cha dziko lapansi chimalengezedwa. Nyumbayo imasandulika kukhala chuma chokhometsedwa, chomwe chiwongolero cha ngongole yobwereketsa yomwe idakalipo pa malowo ikhoza kulipiritsidwa. Kudula kwa ndalama zanyumba kwatha. Kuchotsera kwanyumba kwatha. Kodi kudzakhala kusintha kwakukulu?
Kuchotsedwa kwa chiwongola dzanja cha nyumba ku Netherlands
Kuti muwonjezere kuchotsera msonkho wa chiwongola dzanja chanyumba, gwiritsani ntchito zochotsera zanu zonse kuti mupitirire kuchotsera msonkho wamba womwe umaloledwa ndi Internal Revenue Service. Kuchotsera kwa Federal Standard ndikokwera kwambiri kotero kuti simungathe kuitanitsa chiwongoladzanja cha ngongole pokhapokha mutapeza ndalama zambiri. Ngati munganene kuti muchotsedwe, mupeza mpumulo wamisonkho mukakweza ndalama zanu ndi kubwereketsa, mpaka $750.000.
Kuchotsera msonkho wa chiwongola dzanja ndi phindu la msonkho lomwe limapezeka kwa eni nyumba omwe amachotsa ndalama zawo pa msonkho wa federal. Mayiko omwe amalipira msonkho wa ndalama amathanso kulola eni nyumba kuti anene kuti achotsedwa pamisonkho yawo ya boma, mosasamala kanthu kuti atenga nawo gawo pazobwezera zawo. New York ndi chitsanzo.
Chiwongola dzanja chomwe mumalipira chimachepa pang'ono mwezi uliwonse, ndipo ndalama zambiri zomwe mumalipira pamwezi zimapita kwa wamkulu. Chifukwa chake, chiwongola dzanja chonse chapachaka sichikhala $12.000, koma $11.357 kapena $12.892.
irs mortgage interest credit
Ndalama zolembetsera pachaka zamagalimoto otsatirawa sizimachotsedwa: ma vani (chaka cha 2009 kapena m'mbuyomo), magalimoto oyendetsa magetsi, magalimoto ogwirira ntchito, ma ambulansi, magalimoto omva, magalimoto osakwera, okwera msasa, njinga zamoto, kapena njinga zamoto.
Kuchotsera uku kumagwira ntchito pa chindapusa chapachaka cholembetsa galimoto. Sichikugwira ntchito ku 5% yolembetsa kamodzi / kulembetsanso ndalama zomwe zimaperekedwa pakulembetsa koyamba kwagalimoto. Mtengo wa 5% umenewo umangochotsedwa pa IA 1040, Ndandanda A, mzere 4b ngati wokhometsa msonkho adanena kuti achotsedwapo pa msonkho wamba woperekedwa pa fomu ya federal 1040, Ndandanda A, mzere 5a.
Gwiritsani ntchito tsamba lomwe lili pansipa kuti muwerengere kuchuluka kwa ndalama zolembetsera pachaka zomwe zaperekedwa mu 2019 zamagalimoto oyenerera ndi magalimoto ogwiritsira ntchito zinthu zambiri (chitsanzo chaka cha 2009 kapena chamtsogolo). Kwa zaka zamisonkho za 2008 ndi m'mbuyomo, ndalama zolembetsera galimoto sizikanatha kutengedwa ngati ndalama zochotsera chifukwa ndalamazo zidapangidwa ngati chindapusa ndipo sizinali zotengera mtengo wake. Komabe, kuyambira m'chaka cha 2009, panali kusintha kwa ndalama zolembetsera magalimoto.
Kuchepetsa chiwongola dzanja cha mortgage,
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.
