Kodi ndingatengeko chiwongola dzanja chanji pamisonkho yanga?
Lamulo la Tax Cuts and Jobs Act (TJCA) linasayinidwa kukhala lamulo mu 2017. Lamuloli lidatsala pang'ono kuwirikiza kawiri kuchuluka kwa ndalama zomwe zimayenera kuchotsedwa ndikuchotsa kapena kuchepetsa ndalama zambiri zochotsera. Zotsatira za kusintha kwa misonkho zinali kuti anthu ambiri omwe ankakonda kulemba pa Ndandanda A adatenga kuchotseratu m'malo mwake. M'munsimu muli mndandanda wa kumasulidwa, kuchotsera ndi ngongole zomwe zinachotsedwa, zochepa, zochepetsedwa kapena zosinthidwa ndi ndime ya TCJA.
Kukhululukidwa ndi kuchotsera kumachepetsa kuchuluka kwa ndalama zomwe mumapeza pa msonkho wanu wapachaka. Ndalama zamisonkho zimachotsedwa kumisonkho yomwe muli ndi ngongole. Zinthu zitatuzi zimakhudzidwa ndi TCJA, ndipo chilichonse chimakhudza momwe mumalipira mwanjira ina.
Lamulo latsopanoli layimitsa kusakhululukidwa kwa munthu aliyense komanso wodalira pakati pa 2018 ndi 2025. Ngakhale kuti kusakhululukidwa sikungochotseratu mwaukadaulo, kumagwira ntchito chimodzimodzi pokulolani kuti muchepetse ndalama zomwe mumapeza polipira msonkho. Pamenepa, tinene kuti kukhululukidwa kunali $4.050 kwa inu ndi wodalira aliyense amene mumamunena. Tsopano, ndi ziro. Komabe, dziwani kuti ngakhale simunganene kuti simukulipira msonkho wanu kapena wodalirika, mungakhale ndi ufulu wolandira msonkho wina.
W2 kapena chidule cha ndalama zobwereketsa
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 zobwereka zitha kuchotsedwa ngati muzigwiritsanso ntchito ngati nyumba kwa masiku osachepera 15 pachaka kapena kupitilira 10% yamasiku omwe mumawabwereketsa kwa obwereketsa, 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.
Chiwongola dzanja 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 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.
pita ndandanda a
Bukuli lili ndi chilolezo motsatira lamulo la Open Government License v3.0, kupatula ngati tafotokozera. Kuti muwone laisensiyi pitani ku nationalarchives.gov.uk/doc/open-government-licence/version/3 kapena lemberani Gulu Lachidziwitso, The National Archives, Kew, London TW9 4DU, kapena imelo: [imelo ndiotetezedwa].
Anthu omwe amalandira ndalama kuchokera kubwereketsa malo okhala ku UK kapena kwina kulikonse ndipo amawononga ndalama (monga chiwongola dzanja chanyumba), kupatula pomwe malowo akukwaniritsa zofunikira zonse zokhala ndi tchuthi choperekedwa.
Ndalama zomwe zimawononga ndalama zimaphatikizapo chiwongola dzanja cha nyumba, chiwongola dzanja cha ngongole pogula mipando, ndi ndalama zomwe munthu amawononga potenga kapena kubweza ngongole zanyumba kapena ngongole. Palibe mpumulo pakubweza likulu pa ngongole yanyumba kapena ngongole.
Eni ake sadzathanso kuchotsera ndalama zonse zandalama kuchokera ku ndalama zomwe amapeza kuti apeze phindu lawo. M'malo mwake, adzalandira kuchepetsedwa kwa msonkho wa ndalama zomwe amawononga ndalama zawo.
