2021 kuchotsera msonkho wa chiwongola dzanja
Ndalama zolembetsera pachaka zamagalimoto otsatirawa sizimachotsedwa: magalimoto onyamula (chaka cha 2009 kapena m'mbuyomo), magalimoto oyendetsa magetsi, magalimoto ogwirira ntchito, ma ambulansi, magalimoto onyamula anthu, magalimoto osakwera, ma caravan, njinga zamoto, ngolo kapena njinga.
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 2020 zamagalimoto oyenerera ndi magalimoto ogwiritsidwa ntchito mosiyanasiyana (chitsanzo cha 2009 kapena mtsogolo). Kwa zaka zamisonkho za 2008 ndi m'mbuyomo, ndalama zolembetsera galimoto zonyamula katundu sizikanatengedwa ngati ndalama zochotsera chifukwa zolipiritsazo zidapangidwa mopanda malire osati kutengera mtengo wake. Komabe, kuyambira m'chaka cha 2009, panali kusintha kwa ndalama zolembetsera magalimoto.
Kodi kuchotsera kwa chiwongola dzanja chanyumba kumatayika kuchokera mulingo wanji wa ndalama?
Ngati ndinu eni nyumba, mwina muli ndi ufulu wochotsedwa pa chiwongola dzanja chanyumba panu. 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 za msonkho chaka cha 2018 chisanafike, kuchuluka kwa ngongole zomwe zikuyenera kuchotsedwa zinali $ 1 miliyoni. Pofika chaka cha 2018, kuchuluka kwangongole kumangokhala $750.000. Ngongole zanyumba zomwe zidalipo 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 yachiwiri, ngati ikuyenera) zonse zimaposa $1 miliyoni ($500,000 ngati mukugwiritsa ntchito zolemba zapabanja) zaka zamisonkho chaka cha 2018 chisanafike. Kuyambira mu 2018, malirewa adatsitsidwa mpaka $750.000. Ngongole zanyumba zomwe zinalipo kuyambira pa Disembala 14, 2017 zipitiliza kulandira msonkho womwewo monga pansi pa malamulo akale.
Kuchotsera msonkho wa malo obwereketsa nyumba
Chaka chatha, kuchotsera msonkho kwa inshuwaransi yanyumba yaumwini (PMI), yomwe imadziwikanso kuti mortgage insurance premium (MIP), idaloledwa inali ya chaka cha msonkho cha 2017, koma chifukwa cha ngongole zanyumba zomwe zidatengedwa kapena kubwezeredwa pambuyo pa Januware 1. ya 2007 imalola kuchotsera misonkho ya MIP ndi PMI ya 2020 ndikubwerezanso kwa 2020 ndi 2018.
Poyamba, kuchotserako ndalamazo kunatha pa Disembala 31, 2017 chifukwa cha lamulo la Tax Cuts and Jobs Act la 2017. The Addiction Consolidated Appropriations Act inatalikitsa kuchotserako mpaka pa 31 December 2020. Izi zinapangitsa kuti kuchotserako kupezeke ku zaka za msonkho za 2019 ndi 2020, ndipo mobwerezabwereza pamisonkho ya 2018.
Ngati zofunika zina zidakwaniritsidwa, ndalama za inshuwaransi yanyumba zitha kuchotsedwa ngati kuchotserako pakubweza kwanu. Ngati gross income yanu (AGI) ndi $109.000 kapena kuposerapo pachaka, kuchotsera kumeneku sikuloledwa. Izi ndizoonanso kwa anthu apabanja omwe amasungitsa padera, omwe malire awo amasinthidwa ndi $54.500. Kuchotsera msonkho kwa PMI sikuloledwanso kwa chaka cha msonkho cha 2018, koma izi zitha kusintha.
Kodi ndingatengeko chiwongola dzanja chanji pamisonkho yanga?
Eni nyumba ambiri ali ndi chinthu chimodzi choyenera kuyembekezera panthawi ya msonkho: kuchotsa chiwongoladzanja cha ngongole. Izi zikuphatikiza chiwongola dzanja chilichonse chomwe mumalipira pangongole yotetezedwa ndi nyumba yanu yoyamba kapena nyumba yachiwiri. Ndiko kuti, ngongole yanyumba, ngongole yachiwiri, ngongole yanyumba, kapena mzere wa ngongole wanyumba (HELOC).
Mwachitsanzo, ngati muli ndi ngongole ya $ 300.000 yoyamba ndi ngongole ya $ 200.000 ya nyumba, chiwongoladzanja chonse choperekedwa pa ngongole zonsezi chikhoza kuchotsedwa, chifukwa simunapitirire malire a $ 750.000.
Kumbukirani kusunga ndalama zomwe mumagwiritsa ntchito pokonzanso nyumba ngati mutayesedwa. Mutha kubwereranso ndikumanganso ndalama zanu zanyumba zachiwiri zomwe zidatengedwa zaka zisanasinthe lamulo la msonkho.
Eni nyumba ambiri amatha kuchotsera chiwongola dzanja chonse chanyumba. Lamulo la Tax Cuts and Jobs Act (TCJA), lomwe likugwira ntchito kuyambira 2018 mpaka 2025, limalola eni nyumba kuti achotse chiwongola dzanja chanyumba mpaka $750.000. Kwa okhometsa misonkho omwe amagwiritsa ntchito kulembetsa anthu okwatirana, ngongole yogulira nyumba ndi $375.000.
