malipiro a escrow
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. Izi zikutanthauza kubwereketsa, ngongole yachiwiri, ngongole yanyumba, kapena ngongole yanyumba (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 chawo chonse. Lamulo la Tax Cuts and Jobs Act (TCJA), lomwe likugwira ntchito kuyambira 2018 mpaka 2025, limalola eni nyumba kuti achotse chiwongola dzanja pa ngongole zanyumba mpaka $ 750.000. Kwa okhometsa misonkho omwe amagwiritsa ntchito kusungitsa mabanja, malire a ngongole yogulira nyumba ndi $375.000.
Zomwe amawononga msonkho wa boma pamzere 2019 wobwezera msonkho wa 1
Ngati muchita lendi gawo la nyumba yomwe mukukhala, mutha kuyitanitsa ndalama zomwe mumawononga zomwe zimatengera malo obwereka a nyumbayo. Muyenera kugawa ndalama zomwe zimatanthawuza malo onse pakati pa gawo lanu ndi malo obwereka. Mutha kugawa ndalamazo pogwiritsa ntchito masikweya mita kapena kuchuluka kwa zipinda zomwe mumabwereka mnyumbamo.
Ngati mumabwereketsa zipinda m'nyumba mwanu kwa wobwereka kapena wokhala naye, mukhoza kuitanitsa ndalama zonse kuchokera kuphwando lobwereka. Mukhozanso kuitanitsa gawo lina la ndalama za zipinda za m'nyumba mwanu zomwe simukuchita lendi zomwe zimagwiritsidwa ntchito ndi inu ndi lendi kapena mnzanu. Mutha kugwiritsa ntchito zinthu monga kupezeka kwa ntchito kapena kuchuluka kwa anthu omwe akugawana chipindacho kuti muwerengere ndalama zomwe mwaloledwa. Mukhozanso kuwerengera ndalamazi poyerekezera kuchuluka kwa nthawi yomwe wobwereka kapena wokhala naye amakhala m'zipindazo (mwachitsanzo, kukhitchini ndi chipinda chochezera).
Rick amachita lendi zipinda zitatu za nyumba yake yogona 3. Simudziwa momwe mungagawire ndalama mukapereka lipoti la ndalama zobwereka. Ndalama zimene Rick amawononga ndi misonkho ya katundu, magetsi, inshuwalansi, ndiponso ndalama zotsatsa malonda a anthu ochita lendi m’nyuzipepala.
Irs Publications
A. Ubwino waukulu wa msonkho wokhala ndi nyumba ndikuti ndalama zobwereketsa zomwe eni nyumba amapeza sizimaperekedwa msonkho. Ngakhale kuti ndalamazo sizilipidwa msonkho, eni nyumba amatha kuchotsera chiwongoladzanja cha ngongole ndi malipiro a 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.
Zochotseratu
Zambiri kapena zonse zomwe zili pano ndi zochokera kwa anzathu omwe amatilipira. Izi zitha kukhudza zomwe timalemba komanso komwe zimawonekera patsamba. Komabe, izi sizikhudza kuwunika kwathu. Malingaliro athu ndi athu.
Kuchotsera chiwongola dzanja chanyumba ndikuchotsa msonkho pa chiwongola dzanja chanyumba chomwe chimaperekedwa pangongole yanyumba yoyambira miliyoni miliyoni. Eni nyumba omwe adagula nyumba pambuyo pa Dec. 15, 2017, akhoza kutenga chiwongoladzanja pa $ 750.000 yoyamba ya ngongole. Kufuna kuchotsera chiwongoladzanja cha ngongole kumafuna kuti mubwereze msonkho wanu.
Kuchotsera chiwongoladzanja cha chiwongola dzanja kumakupatsani mwayi wochepetsera ndalama zomwe mumalipira msonkho ndi ndalama zomwe mudalipira pa chiwongola dzanja chanyumba mkati mwa chaka. Chifukwa chake ngati muli ndi ngongole yanyumba, sungani mbiri yabwino: chiwongola dzanja chomwe mumalipira pa ngongole yanu yanyumba chingakuthandizeni kuchepetsa msonkho wanu.
Monga taonera, mutha kuchotsa chiwongola dzanja chomwe mudalipira mchaka cha msonkho pa madola miliyoni miliyoni a ngongole yanu yanyumba panyumba yanu yayikulu kapena yachiwiri. Ngati munagula nyumbayo pambuyo pa Disembala 15, 2017, mutha kuchotsa chiwongola dzanja chomwe mudalipira mchaka pa $750.000 yoyamba yangongole.
