Kodi ndi mlandu kuchotsa ngongole yanyumba popanda kusonyeza ndalama?

Kuchotsedwa kwa ofesi ya kunyumba ya IRS

Okhometsa msonkho opempha ngongole yogulira kapena kumanga nyumba yawo yomwe amakhalamo amatha kuchotsera ndalama zolipirira ngongoleyo ku ndalama zomwe amapeza. Chiwongola dzanja chokhudzana ndi ngongoleyi chikugwera m'mitengo imeneyi, yomwe imadziwikanso kuti ndalama zogulira.

Okhometsa misonkho, kaya okhalamo kapena osakhala okhalamo, atha kuchotsera misonkho, kudzera mu ndondomeko ya ndalama zomwe amapeza, chiwongola dzanja chokhudzana ndi ngongole yogulira kapena kumanga nyumba.

Ndalama zolipirira, monga single premium, obligatory deed mortgage deed ndi ndalama zoyendetsera ntchito, zitha kuchotsedwanso ngati ndalama zogulira, malinga ngati zikugwiritsidwa ntchito nthawi yomwe nyumbayo isanakhazikike komanso kuti kumanga kapena kugula nyumbayo kuli ndi ndalama zogulira. adalowa gawo logwira ntchito (konkriti).

Mpaka chaka chandalama cha 2016 chikuphatikizidwa, wokhometsa msonkho adayenera kulengeza mtengo wagawo komanso mtengo wa renti wa nyumba yawo. Nyumba yokhala ndi ufulu wokhala nayo inkakhometsedwa msonkho, ndipo ndalama zopeka zomwe zinkaganiziridwa zinali za mtengo wa lendi.

Tsamba la Ntchito Yochotsera Ofesi Yanyumba

Kuchotsera chiwongola dzanja chanyumba, chomwe ndi chimodzi mwazinthu zazikulu zomwe zatayika ndalama zamisonkho ndi ndalama zokwana $72.000 biliyoni pachaka, cholinga chake ndikulimbikitsa umwini wanyumba. Kafukufuku wowona akuwonetsa kuti kuchotsera chiwongola dzanja chanyumba kumathandizira kubwereketsa nyumba, zomwe zimakhudza kwambiri kugwiritsa ntchito nyumba kuposa mitengo ya eni nyumba. Thandizo lina logulira nyumba, monga mapologalamu othandizira kulipira pang'onopang'ono, zasonyezedwa kuti ndi zothandiza kwambiri poonjezera kugula nyumba pakati pa mabanja omwe amapeza ndalama zochepa ndipo ndizotsika mtengo kusiyana ndi kuchotsera chiwongoladzanja cha ngongole.

Kusintha kwaposachedwa pakuchotsera chiwongola dzanja chanyumba kudakhazikitsidwa mu Health Care and Tax Relief Act ya 2006 (PL 109-432), yomwe idalola kwakanthawi, mchaka cha 2007, kuti ndalama za inshuwaransi zolipiridwa panyumba zimachotsedwa msonkho ngati ngongole yanyumba. chidwi. Lamulo la Mortgage Debt Relief Act la 2007 (HR 3648; PL 110-142) linakulitsa izi mpaka kumapeto kwa 2010.

Kumayambiriro kwa Congress ya 109th, kusintha kwamisonkho kunali nkhani yayikulu yamalamulo. Purezidenti Bush adasankha gulu la mayiko awiri kuti liphunzire malamulo amisonkho ndikupereka malingaliro oti asinthe. Gululi lidatulutsa lipoti kumapeto kwa chaka cha 2005 lomwe lidaphatikizanso lingaliro losintha kuchotsera chiwongola dzanja chanyumba. Malamulo ofunikira osintha misonkho adakhazikitsidwa, pomwe mabilu ena akufuna kusintha misonkho kuti athetse kuchotsera misonkho ndi kuchotsera, monga kuchotsera chiwongola dzanja chanyumba. Chakumapeto kwa gawo loyamba la 110th Congress, Wapampando wa Komiti ya House Ways and Means, Rangel, adawonetsa kuti kusintha kwamisonkho kungathe kupitiliza kuganiziridwa mu 110 Congress.

Calculator Yotsitsa Ofesi Yanyumba

ndi. Ndalama zamalonda. Wogwira ntchito ali ndi ufulu wobwezeredwa ndi abwana ake ndalama zonse zomwe wawononga kapena zotayika chifukwa chakuchita bwino kwa ntchito yake. Code Labor Gawo 2802

Lamulo la Labor Code Ndime 224 imaletsa momveka bwino kuchotsera malipiro a wogwira ntchito zomwe sizikuloledwa ndi wogwira ntchitoyo polemba kapena kuloledwa ndi lamulo, ndipo olemba ntchito aliyense amene akufuna kudzithandiza amachita izi mwangozi yake, monga momwe amachitira ndi mayeso kuti awone ngati kutayikiridwako kunali chifukwa cha kusaona mtima, khalidwe loipa mwadala kapena kunyalanyaza kwakukulu. Ngati abwana anu akukubisirani motero ndipo kenako n’kudziŵika kuti simunalakwe mwadala kapena mwachinyengo, kapena mosasamala monyanyira, mungakhale ndi ufulu wobweza ndalama zimene munalipirira. Kuphatikiza apo, ngati simukugwiranso ntchito kwa abwana omwe adachotsa ndalamazo ndipo kuchotserako kumapezeka kuti ndi zolakwika, mutha kubwezanso chilango chanthawi yodikirira pansi pa gawo 203 la Labor Code.

2021 ofesi yakunyumba yosavuta kuchotsera

Chinyengo cha msonkho chimachitika pamene munthu kapena bungwe labizinesi lanama mwadala komanso mwadala zomwe zalembedwa pamisonkho kuti athe kuchepetsa kuchuluka kwa misonkhoyo. Chinyengo pamisonkho chimaphatikizapo kubera msonkho poyesa kupeŵa kulipira ngongole yonse ya msonkho. Zitsanzo za chinyengo cha misonkho ndi monga kunena zabodza za kuchotsedwa; kufuna ndalama zaumwini monga zogulira bizinesi; kugwiritsa ntchito nambala yabodza ya Social Security; ndi kusalengeza ndalama.

Kulephera kutero mwa kunamiza kapena kubisa zambiri ndikuphwanya lamulo ndipo ndichinyengo chamisonkho. Zachinyengo za msonkho zimafufuzidwa ndi gawo la Criminal Investigation (CI) la Internal Revenue Service. Chinyengo cha msonkho chimanenedwa kuti chikuwonekera ngati wokhometsa msonkho apezeka kuti:

Mwachitsanzo, kunena kuti palibe amene amadalira kuti achepetse msonkho wa msonkho ndi chinyengo chodziwikiratu, pamene kugwiritsa ntchito chiwongola dzanja cha nthawi yayitali kuti chiwongoleredwe kwakanthawi kochepa kungawunikidwenso kuti muwone ngati ndi kunyalanyaza. Ngakhale kuti zolakwika zomwe zimachititsidwa ndi kunyalanyaza sizinali zadala, Boma la Treasury likhoza kulipira msonkho wosasamala ndi chilango cha 20 peresenti ya ndalamazo. Anthu odziwika padziko lonse lapansi akhala ndi mlandu wachinyengo pamisonkho, monga Lionel Messi.