Mapoinzi akabhadharwa pachikwereti chemba
Kana chikwereti chemba chikabhadharwa, mari yacho inogadzirwa inenge yakazara mubereko uye kwete mukuru wemakore mashoma ekutanga. Kunyangwe gare gare, chikamu chekufarira chinogona kuramba chiri chikamu chakakosha chekubhadhara kwako. Nekudaro, iwe unogona kubvisa mubereko waunobhadhara kana chikwereti chikasangana neIRS mortgage zvinodiwa.
Kuti mari yako yemumba ibviswe mubereko, chikwereti chinofanirwa kuchengetedzwa neimba yako, uye mari yabva pachikwereti inofanira kunge yakashandiswa kutenga, kuvaka, kana kuvandudza imba yako yekutanga, pamwe neimwe imba yaunogara. shandisawo zvinhu zvako pachako.
Kana iwe ukarenda imba yako yechipiri kuvaroja mukati megore, saka haisi kushandiswa nekuda kwezvinangwa zvako uye hauna kodzero yekuderedzwa kwechimbadzo chembavha. Nekudaro, dzimba dzekurojesa dzinogona kubviswa kana ukadzishandisawo sepokugara kwemazuva gumi nemashanu pagore kana kweanopfuura 15% yemazuva aunorenda kuvaroja, chero chikuru.
IRS inoisa miganhu yakasiyana-siyana pahuwandu hwekufarira iwe unogona kubvisa gore negore. Kwemakore emutero gore ra2018 risati rasvika, mubereko wakabhadharwa kusvika kumadhora miriyoni imwe yechikwereti chekutora inobviswa kana iwe ukabvisa zvakaderedzwa. Kufarira pane imwezve $100.000 muchikwereti inogona kubviswa kana zvimwe zvinodiwa zvikazadzikiswa.
Mortgage Interest Deduction Calculator
The Home Equity Interest Deduction (HMID) ndeimwe yeanonyanya kufarirwa kuzorora mutero muUnited States. Realtors, varidzi vemba, vangangove varidzi vemba, uye kunyange vatengesi vemitero vanoratidza kukosha kwayo. Kutaura zvazviri, ngano yacho inowanzova nani pane chokwadi.
Iyo Tax Cuts and Jobs Act (TCJA) yakapfuura muna 2017 yakachinja zvese. Yakaderedza huwandu hwepamusoro hunokodzera mubairo wemukuru weiyo deductible mubereko kune $750.000 (kubva pamadhora miriyoni) pachikwereti chitsva (zvinoreva kuti varidzi vemba vanogona kubvisa mhindu inobhadharwa inosvika $1 muchikwereti chechikwereti). Asi zvakare yakapetwa kaviri kubviswa kwemaitiro nekubvisa kuregererwa kwemunhu, zvichiita kuti zvive zvisina kufanira kune vakawanda vateresi kuti vaite, sezvo vasisakwanise kutora kuregererwa kwemunhu uye kugadzira kubviswa panguva imwe chete.
Kwegore rekutanga mushure mekushandiswa kweTCJA, vamwe 135,2 miriyoni vateresi vaitarisirwa kutora kubviswa kwakajairwa. Kana tichienzanisa, 20,4 miriyoni yaitarisirwa kudonhedza kuderedzwa, uye kune avo, 16,46 miriyoni vaizotora kubvisirwa mubereko.
Mapoinzi akabhadharwa pakatengwa imba huru 1098
Tax Refund Offsets Tax Refund Offsets ndechimwe chezvishandiso zvine simba zvehurumende zvekuunganidza pazvikwereti zvevadzidzi vemubatanidzwa. Hurumende inogona kutora mari yako yemutero wekudzosera kana iwe uri mhirizhonga. Nyika dzinoverengeka dzinewo mitemo inobvumira masangano ehurumende kuti atore mari yemitero yehurumende. Vanokwereta vanokwereta vanogona kutarisira kuwana zvese kana chikamu chemutero wavo wekudzosera otomatiki kumubatanidzwa wechikwereti chemudzidzi.
Iwe unogona kukumbira kunzwa kupikisa mutero wekubvisa. IRS yakataura kuti unofanirwa kukwidza kuDhipatimendi reDzidzo kana iwe uchida kupokana neyakagadziriswa kana yatoitwa. Dhipatimendi reDzidzo rinopa tsananguro iyi nezve kuderedzwa kwemitero.
Kana iwe uchida kuti muripo umiswe paunenge uchikwikwidza, unofanirwa kuisa chikumbiro chekuongorora pakero yakanyorwa pachiziviso chemuripo mukati memazuva makumi matanhatu neshanu kubva pazuva rechiziviso kana mazuva gumi nemashanu mushure mekukumbira uye kuwana rekodhi yako yemuripo. . Zviri nyore kuita chikumbiro ichi kuti uzive zviri mufaira rako. Kana iwe uchida kuona faira rechikwereti, unofanirwa kuikumbira nekunyora mukati memazuva makumi maviri ekuzivisa. Unogona kukumbira kutongwa mushure menguva idzi, asi muripo kazhinji haumire paunenge wakamirira kunzwa.
Mari yekunyorera inobviswa here?
Mutero-inobviswa mubereko imari yechikwereti iyo muteresi anogona kutora pamubatanidzwa kana wehurumende kudzoka kwemutero kudzikisa mari inobhadharwa. Mhando dzemubereko dzinobvisirwa mutero dzinosanganisira mubereko wembavha pazvose yekutanga neyechipiri mortgages (paimba yakaenzana), mubereko wembavha pazvivakwa zvekudyara, mubereko pazvikwereti zvevadzidzi, uye mhindu pane zvimwe zvikwereti zvebhizinesi, kusanganisira makadhi echikwereti ebhizinesi.
Iyo Internal Revenue Service (IRS) inopa kuderedzwa kwemutero kunogona kuderedza mutero wemutero wevamwe vateresi. Semuenzaniso, munhu ane kodzero yekubvisiswa mutero we$3.500 20.500 anogona kutora mari iyi achitambira mari yake inotarirwa ne$XNUMX XNUMX.
Pane zvimwe zvakabviswa izvo vadzidzi vanokodzera vanogona kutora, imwe yacho kubviswa kwechikwereti chemudzidzi. Kunyangwe mudzidzi asingakwanise kutora chero chikwereti chemudzidzi chakatorwa kuti adzidze, mubereko unobhadharwa pachikwereti mukati megore remutero unobviswa pasi pechirongwa chekubvisa mubereko wechikwereti chemudzidzi. Chikwereti chinofanirwa kuve chakakodzera, izvo, maererano ne IRS, zvinoreva kuti chikwereti chinofanira kunge chakabvisirwa muteresi, wavakaroora, kana wavanovimba naye.
