refinance mortgage
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 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.
Chii chinogona kubviswa pamitero
Nekudaro, kana iwe ukatenga nzvimbo yekudyara uye woirenda semuridzi, unogona kudzoreredza mari yekugadzira mari yekurenda nerendi. Izvi zvinosanganisira mari dzemubereko uye mari yekugadzirisa nekugadzirisa. Iwe unogona zvakare kubvisa 2% (uye mune dzimwe nguva yakakwirira) kuderera semutengo kubva pamari yako mune iyi kesi. Kuderera kunotarwa sechikamu chemutengo wekuvaka weimba (nemamwe mazwi, mutengo wekutenga unobvisa kukosha kwenyika).
Deduction Financing
Pasi pemutemo wezvino, iyo Home Equity Interest Deduction (HMID) inobvumira varidzi vedzimba vanotora mutero wavo wekudzoka kuti vabvise mubereko wembavha inobhadharwa inosvika $750,000 yemukuru wechikoro pane yavo yekutanga kana yechipiri pekugara. Ikozvino $750.000 kapu yakaunzwa sechikamu cheMutero Wekucheka uye Mabasa Act (TCJA) uye ichadzokera kune yekare $ 1 miriyoni cap mushure me2025.
Mabhenefiti eHMID anoenda zvakanyanya kune vanobhadhara mutero wepamusoro nekuti vateresi vane mari yakawanda vanowanzoita zvinhu kakawanda, uye kukosha kweHMID kunowedzera nemutengo wemba. Kunyange kukosha kwakazara kweHMID kwakadzikiswa neTCJA, mugove wemabhenefiti wave kutariswa kune vateresi vane mari yakawanda sezvo vateresi vakawanda vachitora kuderedzwa kwakanyanya.
Kunyangwe HMID ichiwanzoonekwa segwara rinowedzera chiitiko chevaridzi vemba, tsvakiridzo inoratidza kuti HMID haizadzise chinangwa ichi. Nekudaro, pane humbowo hwekuti HMID inowedzera mitengo yedzimba nekuwedzera kudiwa kwedzimba pakati pevateresi vanoisa mari yavo.
2020 yakajairwa kubviswa
Kana iwe uine imba, iwe unogona kunge uine kodzero yekubvisirwa mubereko pane yako yemba. Kubviswa kwemutero kunoshandawo kana ukabhadhara mubereko pacondominium, cooperative, mobile home, chikepe, kana mota yekutandara inoshandiswa sepokugara.
Deductible mortgage interest ndiyo chero mubereko waunobhadhara pachikwereti chakachengetedzwa neprimary kana yechipiri imba yaishandiswa kutenga, kuvaka, kana kuvandudza imba yako zvakanyanya. Mumakore emutero gore ra2018 risati rasvika, huwandu hwechikwereti hwaigona kubviswa hwaive $1 miriyoni. Kubva muna 2018, huwandu hwechikwereti hunogumira kumadhora mazana manomwe nemakumi mashanu. Zvikwereti zvaivepo kubva muna Zvita 750.000, 14 zvicharamba zvichigamuchira mutero wakafanana sezviri pasi pemitemo yekare. Pamusoro pezvo, kwemakore emutero gore ra2017 risati rasvika, mubereko wakabhadharwa kusvika kumadhora zviuru zana zvechikwereti chemumba chakabviswa zvakare. Zvikwereti izvi zvinosanganisira:
Hongu, kubviswa kwako kunowanzo kuganhurirwa kana mari dzemba dzinoshandiswa kutenga, kuvaka, kana kuvandudza imba yako yekutanga (uye imba yechipiri, kana zvichibvira) inodarika madhora miriyoni imwe ($1 kana uchishandisa vakaroorana vachiisa chimiro chakasiyana) kwemakore emutero gore ra500,000 risati rasvika. .Kutanga muna 2018, muganhu uyu unodzikiswa kusvika pa$2018. Zvikwereti zvaivepo kubva muna Zvita 750.000, 14 zvicharamba zvichigamuchira mutero wakafanana sezviri pasi pemitemo yekare.
