Kodi chiwongola dzanja chanyumba chichotsedwa mu 2021?
Ngati muli ndi nyumba, mungakhale ndi ufulu wochotsedwa pa chiwongoladzanja pa ngongole yanu yanyumba. 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 yachiŵiri, ngati n’koyenera) zonse zikuposa $1 miliyoni ($500.000 ngati mugwiritsa ntchito mbiri yaukwati). isanafike 2018. Kuyambira mu 2018, malire awa amatsitsidwa mpaka $ 750.000. Ngongole zanyumba zomwe zidalipo kuyambira pa Disembala 14, 2017 zipitiliza kulandira msonkho womwewo monga pansi pa malamulo akale.
Kuchotsera chiwongola dzanja chanyumba
Mukalipira ngongole yanyumba, malipirowo amapangidwa ndi chiwongoladzanja chonse osati chachikulu pazaka zingapo zoyambirira. Ngakhale pambuyo pake, chiwongola dzanjacho chingakhalebe gawo lalikulu lamalipiro anu. Komabe, mutha kuchotsera chiwongola dzanja chomwe mumalipira ngati ngongoleyo ikukwaniritsa zofunikira zanyumba ya IRS.
Kuti ndalama zanu zobwereketsa zichotsedwe chiwongola dzanja, ngongoleyo iyenera kutetezedwa ndi nyumba yanu, ndipo ndalama zomwe mwabwerekazo ziyenera kuti zidagwiritsidwa ntchito pogula, kumanga, kapena kukonza nyumba yanu yoyamba, komanso nyumba ina gwiritsanso ntchito pazolinga zako.
Ngati mumabwereketsa nyumba yanu yachiwiri kwa alendi mkati mwa chaka, ndiye kuti sikugwiritsidwa ntchito pazofuna zanu ndipo simukuyenera kuchotsera chiwongola dzanja cha ngongole. Komabe, nyumba zobwereketsa zitha kuchotsedwa ngati muzigwiritsanso ntchito ngati nyumba kwa masiku osachepera 15 pachaka kapena kupitilira 10% yamasiku omwe mumawabwereketsa kwa alendi, kaya wamkulu ndi ati.
IRS imayika malire osiyanasiyana pa kuchuluka kwa chiwongola dzanja chomwe mungatenge chaka chilichonse. Kwa zaka zamisonkho chaka cha 2018 chisanafike, chiwongola dzanja choperekedwa mpaka $ 100.000 miliyoni yangongole yogulira imachotsedwa ngati mutachotsapo. Chiwongola dzanja chowonjezera $XNUMX mungongole chikhoza kuchotsedwa ngati zofunika zina zakwaniritsidwa.
Malire ochotsera chiwongola dzanja cha nyumba
Monga lamulo, mutha kungochotsa ndalama zogulira nyumba, ndipo pokhapokha mutachotsa zomwe mwachotsa. Ngati mukutenga njira yochotsera, mutha kunyalanyaza zina zonse chifukwa sizigwira ntchito.
Zindikirani: Tikuwona kuchotsera msonkho kwa boma kokha kwa chaka cha 2021, chomwe chinaperekedwa mu 2022. Kuchotsera msonkho wa boma kudzasiyana. Nkhaniyi ndi yongofuna kudziwa zambiri. The Mortgage Reports si tsamba lamisonkho. Yang'anani malamulo oyenerera a Internal Revenue Service (IRS) ndi katswiri wodziwa zamisonkho kuti muwonetsetse kuti akugwira ntchito pazochitika zanu.
Thandizo lanu lalikulu la msonkho liyenera kubwera kuchokera ku chiwongola dzanja chomwe mumalipira. Izi si ndalama zanu zonse pamwezi. Ndalama zomwe mumalipira kwa wamkulu wangongole sizimachotsedwa. Ndi gawo lachiwongola dzanja lokha.
Ngati ngongole yanu ikugwira ntchito pa December 14, 2017, mukhoza kuchotsa chiwongoladzanja pa ngongole yokwana $ 1 miliyoni ($ 500.000 iliyonse, ngati mwakwatirana ndikulemba padera). Koma ngati munatenga ngongole yanu pambuyo pa tsikulo, kapu ndi $750.000.
Malire ochotsera chiwongola dzanja chanyumba mu 2020
Palibe zambiri zokhudza misonkho zomwe zimasangalatsa anthu, kupatulapo pankhani ya kuchotsera. Kuchotsera misonkho ndi ndalama zina zomwe zimachitika chaka chonse cha msonkho ndipo zimatha kuchotsedwa pamisonkho, motero kumachepetsa kuchuluka kwa ndalama zomwe muyenera kulipira.
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.
