Ngaba i-inshurensi yokubambisa iyatsalwa?
I-Home Equity Deduction of Interest (HMID) yenye yezona zinto zixatyiswayo zokuqhawula irhafu eMelika. Abanini bezindlu, abanini-zindlu, abaza kuba ngabanini-zindlu, kwanababhali-mali berhafu bayalichaza ixabiso layo. Enyanisweni, intsomi idla ngokulunge ngakumbi kunenyaniso.
I-Tax Cuts and Jobs Act (TCJA) idluliselwe kwi-2017 yatshintsha yonke into. Ukunciphisa ubuninzi obufanelekileyo be-mortgage nqununu kwinzala exhuzulwayo ukuya kwi-750,000 yeedola (ukusuka kwi-1 yezigidi zeedola) kwiimali-mboleko ezintsha (ithetha ukuba abanini-zindlu banokutsala inzala ehlawulwe ukuya kuthi ga kwi-750,000 yeedola kwityala le-mortgage). Kodwa iphantse yaphinda kabini ukutsalwa okusemgangathweni ngokususa ukhululo lobuqu, ikwenza kube yimfuneko ukuba abarhafi abaninzi bakhuphe into, ekubeni bengasenako ukuthatha ukhululo lobuqu kwaye benze izinto ezitsalwayo ngaxeshanye.
Kunyaka wokuqala emva kokuba i-TCJA iphunyeziwe, malunga ne-135,2 yezigidi zabahlawuli berhafu kulindeleke ukuba bathathe ukutsalwa okusemgangathweni. Xa kuthelekiswa, izigidi ezingama-20,4 bekulindeleke ukuba zitsale imali, kwaye kuzo, i-16,46 yezigidi iya kubanga ukutsalwa kwenzala yemali-mboleko.
Ngaba iindleko zokuvala zinokutsalwa kwiinzuzo ezinkulu?
Ukuba urenta ngaphezulu kwepropathi enye, iingeniso kunye nelahleko kwezo zakhiwo zongezwa kunye ukuze ufumane inzuzo enye okanye inani lelahleko kwishishini lakho lezindlu. Nangona kunjalo, iinzuzo kunye nelahleko evela kwipropathi yaphesheya kufuneka igcinwe yahlukile kwipropathi yase-UK.
Ungabelana ngobunini bepropathi erentwayo nabanye abantu kwaye isixa sengeniso yerenti oya kuyihlawula irhafu iya kuxhomekeka kwinzala yakho kwipropati. Ukuthatha inxaxheba kwakho kwishishini lemihlaba nemihlaba engabanini ngokudibeneyo ayiloshishini elahlukileyo kwiipropati onokuba nazo.
Ukuba ngaba ubunini bepropati kwizabelo ezingalinganiyo kwaye unelungelo lokufumana ingeniso kwizabelo ezingalinganiyo ezifanayo, umvuzo unokutsalwa irhafu ngaloo ndlela. Bobabini kufuneka bavakalise umdla wokwenyani kwipropati kunye nengeniso edibeneyo.
Ukuba ngaba ungumnikazi wepropati ngokudibeneyo nomnye umntu ongelilo iqabane lakho okanye iqabane lasekhaya, isabelo sakho sengeniso yerenti okanye ilahleko ngokuqhelekileyo iya kusekelwa kwisahlulo sepropati onayo, ngaphandle kokuba uyavumelana nokwahlulwa okwahlukileyo.
Ukutsalwa kwenzala ye-IRS yokubambisa
Ngomnye weyona mibuzo ixhaphakileyo esiyibuzwayo kwaye iyaqondakala isizathu. Abaninimzi abaninzi bawubhidanisa ngokumsulwa umahluko phakathi kweendleko ze-CAPITAL kunye neendleko ZOMVUZO. Ngokukodwa, yahlula phakathi kokulungiswa kunye nokuphuculwa kunye nebango lenzala ye-mortgage kuphela kwaye hayi iintlawulo eziphambili kwiimali-mboleko.
Iindleko kunye neendleko ezinxulumene nokuthenga zithathwa njengenxalenye yexabiso lokuthenga kwaye azinakubizwa kumvuzo wokurenta. Sicebisa ukuba ulungiselele isibhengezo esilula sazo zonke iindleko, njengoko kubonisiwe ngezantsi:
Oku kunokutsalwa kwinzuzo (okanye yongezwe kwilahleko) xa uthengisa ipropati. Kuya kufuneka ugcine irekhodi yazo zonke iindleko kunye neerisithi ezihambelanayo ukuze wenze ibango lembuyekezo yerhafu yenzuzo xa uthengisa ipropati.
Ke ukuba ucinga ukuthenga ipropathi kwaye uchithe imali ekuqeshweni kwegqwetha kwaye uququzelele uphando kwaye emva koko uthathe isigqibo sokungaqhubeli phambili okanye okubi ngakumbi, umthengisi uyagoqa, akukho ntlawulo yerhafu kwiindleko.
Ikhomishini yokufumana imali-mboleko iyaxhuzulwa irhafu
Zeziphi iindleko zeshishini ezivumelekileyo? Ihlaziywe nge-5 ka-Epreli 2022UkuzisebenzaUsenokufuna ukwenza ibango leendleko zeshishini. Kweli candelo, sichaza ukuba zeziphi iindleko zeshishini ezifanelekileyo. Xa sisithi iindleko zoshishino "zivumelekile" oko kuthetha ukuba imithetho yerhafu ivumela indleko yokwenyani ukuba itsalwe kwingeniso yeshishini xa ubala inzuzo yezoshishino apho uya kuhlawula irhafu yengeniso kunye neminikelo yoKhuseleko lweNtlalo.
Zonke iindleko zengeniso (zeshishini) kufuneka zibe zenziwe "ngokupheleleyo nangokukodwa" ukuze kuqhutywe ishishini ukuze lifanelekele iinjongo zerhafu. Oku kuthetha ukuba iindleko kufuneka zenziwe ngelixa usenza ishishini okanye uzama ukutsala amashishini amaninzi. Kukho imigaqo ekhethekileyo yeendleko zangaphambi kweshishini.
Inkcitho enkulu idla ngokuba yinkcitho enkulu ekungenwe kuyo ukuthenga i-asethi ekulindeleke ukuba isetyenziswe kwishishini ngexesha elifanelekileyo kwaye kulindeleke ukuba ibenenzuzo ehlala ihleli kwishishini. Akukho xesha elimiselweyo elimiselwe kumthetho, kodwa loo mpahla ilindeleke ukuba ihlale ngaphezu konyaka, umzekelo, ikhompyutha okanye ishelufu yeofisi.
