Kuchotsa
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 kukhoma msonkho.
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.
pita ndandanda a
A. Ubwino waukulu wa msonkho wokhala ndi nyumba ndikuti ndalama zobwereketsa zomwe eni nyumba amapeza sizikhomeredwa msonkho. Ngakhale kuti ndalamazo sizilipidwa msonkho, eni nyumba amatha kubweza chiwongoladzanja cha ngongole ndi msonkho wa katundu, komanso ndalama zina kuchokera ku ndalama zomwe amapeza ngati atachotsa 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.
Kodi ndalama zanyumba zimachotsedwa?
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.
Chiwongola dzanja chichotsedwa mu 2021
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.
