Mutero wemondgage unobviswa here?
Pese panowanikwa chikwereti, hurumende dzematunhu nedzenzvimbo dzinobhadharisa mutero wekunyoreswa kwembande kuti inyore kutengeserana kwechikwereti. Mwero uyu wakapatsanurwa kubva mubereko rembande nemimwe mutero wepagore wepfuma. Ive yakatemerwa nyika, mutero wemortgage regisheni unofanirwa kubhadharwa kuhurumende kana imba yemba inonyoreswa.
Kuverengera mutero wemortgage kunyoresa kuri nyore. Tora mukuru wemba yako, inova mari yese yauri kukwereteswa nemukweretesi, woigovanisa ne100. Wobva watenderedza quotient kune nhamba yese iri pedyo. Tora mhedzisiro uye uzviwedzere neyakasiyana yenyika yako yemortgage yekunyoresa mutero. Chekupedzisira, tarisa kubatsirwa nemutero. Mune dzimwe nyika, unogona kubvisa mvumo kubva ku computation, saka iva nechokwadi chekutarisa mitemo yako yemunharaunda.
Shanyira nyika yako Dhipatimendi reMutero uye Zvemari kuti uwane mafomu emutero ekunyoresa mutero. Ndokumbira utarise kuti mutero wemondgage unogona kusiyana mukati mematunhu akasiyana uye/kana maguta ari mukati medunhu, saka tarisa nekwaunogara.
Mortgage tax rate
Sezvo mutemo wega wega, iwe unogona chete kubvisa imwe mari yekubhadhara mari, uye chete kana iwe ukanyora zvakaderedzwa zvako. Kana iwe uri kutora yakajairwa kubviswa, unogona kufuratira yasara iyi ruzivo nekuti haishande.
Ongorora: Tiri kuongorora chete kubviswa kwemutero kwemubatanidzwa wegore remutero ra2021, rakaiswa muna 2022. Kubviswa kwemutero wenyika kuchasiyana. Ichi chinyorwa ndechezvinangwa zveruzivo chete. Iyo Mortgage Reports haisi webhusaiti yemutero. Tarisa iyo yakakodzera Internal Revenue Service (IRS) mitemo ine nyanzvi yemutero inokwanisa kuti uone kuti inoshanda kune ako mamiriro.
Mutero wako mukuru wemutero unofanirwa kubva pamari yemumba yaunobhadhara. Iyi handiyo muripo wako wepamwedzi wose. Mari yaunobhadhara kumukuru wechikwereti haibviswe. Chete chikamu chekufarira ndicho.
Kana chikwereti chako chaive chiri kushanda musi waDecember 14, 2017, unogona kutora chikwereti kusvika ku $ 1 mamiriyoni mune chikwereti ($ 500.000 imwe neimwe, kana iwe wakaroorana uchiisa zvakasiyana). Asi kana iwe wakatora chikwereti chako mushure mezuva iroro, chivharo i $750.000.
New York Mortgage Kunyoresa Mutero Kuregererwa
Mutero weNew York City mortgage registration ndiyo imwe yemitengo mikuru yekuvhara yeNew York City vanotenga dzimba vanobhadhara pavanenge vachishandisa mbavha yekubhadhara chikamu chikuru chekutenga kwavo nzvimbo. Iwe unogona kunge uri kufunga, "Oo hombe, yakawanda mitero." Hapana chikonzero chekunetseka! Heano mamwe mashoko anobatsira ekukubatsira kuti unzwisise zviri nani kuti iwe uchabhadhara marii, kana mutero wasvika, uye kuti ungabvisa sei mutero wako wekubhadhara imba nekuchengetedza kubva pamutero wekomisheni.
Mutero wemortgage registration unoda kuti vatengi vabhadhare 1,8% yemortgages iri pasi pe $500.000 uye 1,925% yemortgages inodarika $500.000 muNew York City (izvi zvinosanganisira mutero wekunyoresa weguta nedunhu reNew York). Nyika yeNew York inoisa 0,5% mutero wemortgage. Zvakakosha kuziva kuti mari yemitero yemitero inobva pamari yechikwereti uye kwete pamutengo wekutenga wekutengesa kweimba.
Hongu, chikamu chakakosha chemari inobuda muhomwe yako uye iyo, zvinosuruvarisa, inobhadharwa pamberi. Semuenzaniso, kana wakatenga avhareji yeManhattan condo yemadhora zviuru zviviri zvemadhora (kupenga kufunga, asi ndiyo avhareji!), uine 2,000,000% mubhadharo wepasi, unofanirwa kutarisira kubhadhara 20% pamari yechikwereti inosvika $1.925 kana $1,600,000 chete mortgage registration tax.
Iko kurekodha kwemortgage kunobviswa here?
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 kwakajairwa nekubvisa kuregererwa kwemunhu, zvichiita kuti zvive zvisina kufanira kune vakawanda vateresi kuti vataure, 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.
