Ukuxhuzulwa kweRhafu yeSibambiso e-Ireland ngo-2022
I-Home Mortgage Interest Deduction (HMID) yenye yezona zinto zixatyiswa kakhulu kwirhafu yaseMelika. Abanini bezindlu, abanini bezindlu, abaza kuba ngabanikazi bezindlu, kunye nabagcini-mali berhafu babonisa 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.
Umnyinyiva werhafu kubaqeshi eIreland
Ukucela imali-mboleko yokubambisa akukho ngaphandle kweendleko. Umbolekisi kunye nabanye abantu besithathu bahlawulisa iimali zokuvala imali-mboleko, iindleko ezinokuthi zifikelele kumawaka eedola. Kodwa ngaba ubuncinane uya kufumana isiqabu xa kufikelelwa kumbandela wokuhlawula irhafu? Ngaba unokutsala ezi ndleko zokuvala kwiirhafu zakho zomdibaniso?
Kwiimeko ezininzi, impendulo ithi "hayi." Ekuphela kweendleko zokuvala i- mortgage onokuthi ubange kwimbuyekezo yakho yerhafu yonyaka werhafu othenga ngawo ikhaya ngamanqaku owahlawulayo ukunciphisa izinga lenzala kunye nerhafu yepropathi onokuthi uyihlawule kwangaphambili.
Ikhowudi yerhafu yase-US inika abaninimzi iingenelo ezimbini ezinkulu zerhafu: Banokutsala inzala abayihlawulayo kwimali mboleko yabo yezindlu ngonyaka ngamnye kunye neerhafu zepropathi abazihlawulayo koomasipala basekhaya. Ziindaba ezimnandi ezo. Okubi? Abathengi abanakutsala uninzi lwemirhumo ehlawulwa ngababolekisi babo xa bevala iimali mboleko zabo.
Xa abathengi bezindlu bethatha imali-mboleko yendlu, kufuneka bahlawule iindleko zokuvala. Ezi ndleko yindlela ababolekisi kunye nabanye abantu besithathu, njengababoneleli be-inshurensi yetayitile, benza ngayo imali. Abathengi banokulindela ukuhlawula i-3-6% yemali mboleko yabo kwiindleko zokuvala. Ngokomzekelo, kwi-mortgage yee-$ 200.000, abathengi banokulindela ukuhlawula phakathi kwe-$ 6.000 kunye ne-12.000 yeedola kwiindleko zokuvala. Abathengi basekhaya baya kufumana iNkcazo yokuVala ubuncinci iintsuku ezi-3 zokusebenza phambi kokuba kuvalwe iinkcukacha zeendleko zabo zokuvala.
Uncedo lwerhafu yokubolekwa kwezindlu eIreland
Ukuba ungumnikazi wendawo yokurenta eIreland, uyazi ukuba ukufayila kunye nokuhlawula imbuyekezo yerhafu yengeniso akuyona inkqubo elula. Siyayifumana, yiyo loo nto siye sahlanganisa i-18 yeyona mibuzo ixhaphakileyo ebuzwa ngabanini-mhlaba ngesi sihloko, siyinike iingcali zethu ukuba ziyiphendule, kwaye sihlanganise esi sikhokelo sibanzi kwiimbuyekezo zerhafu yengeniso yabaninimzi.
Umyinge werhafu osebenzayo kwingeniso yerenti uxhomekeke kwisibiyeli sakho serhafu. Izinga lerhafu eliqhelekileyo liyi-20% kwingeniso ukuya kwinqanaba eliqhelekileyo lokuyeka; ingeniso efunyenwe emva kwesi sikelo sitsalwa irhafu kuma-40%.
Abanini-mhlaba ngokuqhelekileyo abazibandakanyi irenti okanye iidiphozithi zokhuseleko njengengeniso yerenti kwiimbuyekezo zabo zerhafu. Nangona kunjalo, ukuba usebenzisa le mali ukuhlawula iindleko zokulungisa okanye ezinye iindleko ezixhuzulwayo, awukwazi kwakhona ukubanga le ndleko njengekhredithi yerhafu.
Kuya kufuneka unikezele ngobungqina bokutsalwa kwentlawulo nganye oyibangileyo kwimbuyekezo yakho, ngoko lumkela ukugcina onke amaxwebhu anxulumene nazo naziphi na iindleko ezinxulumene nezakhiwo zakho zokurenta. Funda ngakumbi malunga nazo zonke iindleko ezivumelekileyo njengomninimzi apha.
Ikhefu lerhafu ekuphuculweni kwekhaya e-Ireland
Abaninimzi abaninzi ubuncinane banento enye abanokuyijonga phambili ngexesha lerhafu: ukutsala inzala yemali-mboleko. Oku kuquka nayiphi na inzala oyihlawulayo kwimali-mboleko ekhuselwe kwindawo ohlala kuyo okanye ikhaya lesibini. Oko kukuthi, i-mortgage, i-mortgage yesibini, i-home equity loan, okanye i-home equity line of credit (HELOC).
Ngokomzekelo, ukuba une-$ 300.000 yokuqala yokubambisa kunye ne-$ 200.000 yemali mboleko yezindlu, yonke inzala ehlawulwe kuzo zombini iimali-mboleko inokutsalwa, kuba awudlulanga kumda we-$ 750.000.
Khumbula ukugcina umkhondo wenkcitho yakho kwiiprojekthi zokuphucula ikhaya xa kunokwenzeka ukuba uphicothwe. Kusenokufuneka ubuyele umva kwaye uphinde wakhe iindleko zakho zokubolekwa kwezindlu okwesibini ezithathiweyo kwiminyaka ngaphambi kokuba umthetho werhafu utshintshe.
Uninzi lwabaninikhaya banokutsala yonke inzala yabo yokuboleka imali. I-Tax Cuts and Jobs Act (TCJA), esebenzayo ukusuka kwi-2018 ukuya kwi-2025, ivumela abaninimzi ukuba bathathe inzala yemali mboleko yezindlu ukuya kwi-750.000 yeedola. Kubahlawuli berhafu abasebenzisa ukufayila umtshato ngokwahlukileyo, umyinge wetyala lokuthenga ikhaya yi-$375.000.
