escrow payments
Varidzi vemba vazhinji vane chinhu chimwe chete chekutarisira munguva yemitero: kubvisa chikwereti chemari. Izvi zvinosanganisira chero mubereko waunobhadhara pachikwereti chakachengetedzwa nekwako pekugara kana imba yechipiri. Izvi zvinoreva chikwereti chemba, chechipiri chemba, chikwereti cheimba, kana mutsara weimba yechikwereti (HELOC).
Semuenzaniso, kana uine $ 300.000 yekutanga yekubhadhara chikwereti uye $ 200.000 yekubhadhara imba yekubhadhara mari, chikwereti chose chinobhadharwa pazvikwereti zvose chinogona kuderedzwa, sezvo iwe usina kudarika $ 750.000.
Rangarira kuchengeta mari yako pamapurojekiti ekuvandudza imba kana ukaongororwa. Iwe unogona kutofanira kudzoka uye kuvakazve mari yako yezvikwereti zvechipiri zvakatorwa mumakore mutemo wemitero usati wachinja.
Vazhinji varidzi vemba vanogona kubvisa zvese zvemubereko wavo wembanje. The Tax Cuts and Jobs Act (TCJA), iyo iri kushanda kubva 2018 kusvika 2025, inobvumira varidzi vedzimba kubvisa chikwereti chemba kusvika kumadhora mazana manomwe nemakumi mashanu. Kune vateresi vanoshandisa vakaroora vachiisa chimiro chakasiyana, muganho wekutenga imba inosvika $750.000.
Zvinonzi mari yemutero wehurumende pane yako 2019 mutero wekudzorera purogiramu mutsara 1
Kana iwe uchirenda chikamu chechivakwa chaunogara, unogona kutora huwandu hwemari yako inoreva nzvimbo yekurenda yechivakwa. Iwe unofanirwa kugovanisa mari inoreva pfuma yese pakati pechikamu chako wega nenzvimbo yakarenda. Unogona kupatsanura mari uchishandisa masikweya mita kana nhamba yemakamuri aunorenda muchivako.
Kana iwe uchirenda makamuri mumba mako kumuroja kana waunogara naye, unogona kutora mari yese kubva kubato rekurenda. Iwe unogona zvakare kutora chikamu chemitengo yemakamuri mumba mako ausiri kurenda uye anoshandiswa newe nemuroja wako kana waunogara naye. Iwe unogona kushandisa zvinhu zvakadai sekuvepo kwekushandisa kana nhamba yevanhu vanogovana mukamuri kuti vaverenge mari yako inobvumirwa. Iwe unogona zvakare kuverenga huwandu uhu nekufungidzira chikamu chenguva iyo muroja kana waunogara naye anopedza mumakamuri iwayo (semuenzaniso, kicheni neimba yekutandarira).
Rick anorenda makamuri matatu eimba yake ine makamuri gumi nemaviri. Hauna chokwadi chekuti ungapatsanura sei mari paunoshuma mari yako yekurenda. Mari inoshandiswa naRick mitero yezvivako, magetsi, inishuwarenzi, uye mari yokushambadza vanhu vanoroja mupepanhau reko.
Irs Publications
A. Mutero mukuru wekuva nemba ndewekuti mari yekurojesa inotambirwa nevaridzi vemba haibvisirwe mutero. Kunyange zvazvo mari iyi isingateresi, varidzi vemba vanogona kutora chikwereti chembavha uye mutero weimba, pamwe chete nezvimwe zvinodhura kubva kune yavo federal taxable income kana vakatenga zvakabviswa. Mukuwedzera, varidzi vemba vanogona kusabvisa, kusvika kumuganhu, mari inowanikwa pakutengesa imba.
Kodhi yemutero inopa zvakati wandei kune vanhu vane dzimba dzavo. Chakanyanya bhenefiti ndechekuti varidzi vedzimba havabhadhare mitero pamari inotarirwa yekurenda kubva kudzimba dzavo. Havafanirwe kuverenga kukosha kwekurenda kwedzimba dzavo semari inobhadharwa, kunyangwe kukosha uku kuri kudzoka kwekudyara kwakadai sezvikamu zvemasheya kana kufarira paakaundi yekuchengetedza. Icho chimiro chemari isingabhadharwi.
Varidzi vedzimba vanogona kutora mubereko wemubereko uye mutero wemutero weimba, pamwe chete nezvimwe zvinodhura, kubva kumubatanidzwa wavo wemari yemutero kana vakatemesa zvakabviswa. Mumutero wemuhoro unoshanda zvakanaka, mari yese yaizobatwa uye mari yese yekukwidza mari yacho inobviswa. Naizvozvo, mumutero wemuhoro unoshanda zvakanaka, panofanirwa kuve nekuderedzwa kwemubereko wembande uye mutero wemidziyo. Zvakadaro, hurongwa hwedu hwazvino hauteresi mari inofungidzirwa inotambirwa nevaridzi vedzimba, saka chikonzero chekubvisa mari yekutora mari iyoyo haina kujeka.
Kubviswa kwakatemwa
Zvizhinji kana zvese zvigadzirwa zvinoratidzwa pano zvinobva kune vatinoshanda navo vanotitsiva. Izvi zvinogona kupesvedzera zvigadzirwa zvatinonyora nezvazvo uye kupi uye sei chigadzirwa chinooneka pane peji. Zvisinei, izvi hazvikonzeri maonero edu. Maonero edu ndeedu pachedu.
Kubviswa kwemubereko wembande kubvisirwa mutero wemubereko wembavha inobhadharwa pamiriyoni yekutanga yemadhora echikwereti chechikwereti. Varidzi vedzimba vakatenga dzimba mushure meDec. 15, 2017, vanogona kubvisa chimbadzo pamadhora mazana manomwe nemakumi mashanu ekutanga echikwereti. Kutsvaga kuderedzwa kwemubereko wemondi kunoda itemizing pamutero wako wekudzoka.
Kubviswa kwemubereko wembande kunobvumira kuti uderedze mari yaunowana mutero nemari yawakabhadhara mubereko remba mukati megore. Saka kana uine chikwereti chemba, chengeta rekodhi yakanaka: mubereko waunobhadhara pachikwereti chako chemba unogona kukubatsira kuderedza mutero wako.
Sezvakataurwa, iwe unogona kazhinji kubvisa mari yembavha yawakabhadhara mukati megore remutero pamamiriyoni ekutanga emadhora echikwereti chako chembavha paimba yako huru kana yechipiri. Kana iwe wakatenga imba mushure meDecember 15, 2017, unogona kubvisa chikwereti chawakabhadhara mukati megore pa $ 750.000 yekutanga yechikwereti.
