Kubviswa
Hapana zvakawanda pamusoro pemitero inofadza vanhu, kunze kwekunge iri nyaya yekubviswa. Kubvisirwa mutero kune dzimwe mari dzinoshandiswa mugore rose remutero dzinogona kubviswa pamari inotererwa, nokudaro kuderedza huwandu hwemari inofanira kubhadhariswa.
Uye kune varidzi vemba vane chikwereti chemba, pane zvimwe zvakaderedzwa zvavanogona kusanganisira. Kubviswa kwemubereko wemubereko ndeimwe yeakatemerwa mitero yevaridzi vemba inopihwa ne IRS. Verenga kuti uone kuti chii uye kuti ungachitora sei pamitero yako gore rino.
Kubviswa kwechimbadzo chemondga inzira yemutero kune varidzi vedzimba. Kubviswa kwechinhu ichi kunobvumira varidzi vedzimba kuti vaverenge mubereko wavanobhadhara pachikwereti chine chekuita nekuvaka, kutenga kana kuvandudzwa kweimba yavo huru zvichienderana nemari yavanotambira, kuderedza huwandu hwemitero yavanokwereta. Kubviswa uku kunogona zvakare kuiswa kune zvikwereti zvedzimba dzechipiri, chero ukaramba uri mukati memiganhu.
Kune mamwe marudzi ezvikwereti zvemba anokodzera kubvisirwa mubereko wemubereko wemutero. Pakati pazvo pane zvikwereti zvekutenga, kuvaka kana kuvandudza dzimba. Kunyange zvazvo chikwereti chiri chemba, chikwereti cheimba, mutsara wechikwereti, kana chechipiri chembavha inogonawo kukodzera. Iwe unogona zvakare kushandisa iyo mortgage mubereko wekubvisa mushure mekugadzirisa imba yako. Iwe unongoda kuve nechokwadi chekuti chikwereti chinosangana nezvinodiwa pamusoro (tenga, kuvaka kana kuvandudza) uye kuti imba iri mubvunzo inoshandiswa kuchengetedza chikwereti.
enda purogiramu a
A. Mutero mukuru wekuva nemba ndewekuti mari yekurojesa inotambirwa nevaridzi vemba haisi pasi pemutero. Kunyange zvazvo mari iyi isingateresi, varidzi vemba vanogona kutora chikwereti chembavha uye mutero weimba, pamwe chete nezvimwe zvinodhura kubva kune federal taxable income kana vakabvisa 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.
Mari yemortgage inobviswa 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.
Mortgage interest inobviswa muna 2021
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.
