Ngaba iindleko zokubambisa ziyaxhuzulwa?
Xa uthenga, uthengisa okanye uxhasa ngemali ikhaya, iindleko zokuvala ziyinxalenye ebiza kakhulu yentengiselwano. Kwaye ngelixa uninzi lwabahlawuli berhafu kufuneka bathathe ukutsalwa okusemgangathweni endaweni yokutsalwa kwerhafu kwingeniso yabo ukuze bakhulise ukonga, unyaka owuthengayo okanye ohlaziyayo ikhaya unokuba yinto eyahlukileyo.
Iindleko zokuvala zingakhokelela kwiindleko ezixhuzulwa irhafu ezingenziwanga kunyaka oqhelekileyo wobunini bendlu, kwaye ezo ndleko ezongezelelweyo zinokukutyhala ukuba udlule kumda apho kwenza ingqiqo yezemali ukwenza into.
Ayizizo zonke iindleko zokuvala ezitsalwayo. Ngokubanzi, iindleko ezinokuthi zithathwe njengerhafu okanye inzala ziyaxhuzulwa. Kodwa, njengoko uza kufunda ngezantsi, i-IRS ihlela ezinye iindleko njengenzala umntu ophakathi angayithatheli ngqalelo. Unganakho ukutsala iindleko zokuvala ngaphezulu kunokuba ucinga.
Apha ngezantsi siza kuchaza iindleko zokuvala onokuthi uzitsale ekuthengeni ikhaya, kunye nazo naziphi na iingqwalasela ezikhethekileyo ezinokuchaphazela imali onokuthi uyitsale okanye unyaka werhafu onokuthi ngawo ubange lokutsalwa.
Okokuqala, kufuneka wazi iimali zangoku zokuxhuzulwa okusemgangathweni. Ngeembuyekezo zerhafu zika-2020 ezifakwe ngo-2021, ukutsalwa okusemgangathweni yi-12.400 yeedola zabantu, i-18.650 yeedola kwiintloko zemizi, kunye ne-24.800 yeedola kwizibini ezitshatileyo ezifaka kunye kunye namaqabane aphilayo.
Ikhomishini yokuvula imali-mboleko exhuzulwa irhafu
Abasebenzi abaqeshiweyo abafumana ngaphezu kwe-50% yomvuzo wabo uwonke njengengeniso evela kwiikomishini azikhawulelwanga kuhlobo lweendleko zoshishino abanokuthi bafake izicelo zabo, ukuba nje ezi zinto ziveliswa kwimveliso yengeniso yabo kwaye ingezizo ze-patrimonial okanye zabasebenzi.
Ukuqinisekisa ukuba aba basebenzi banelungelo lokufaka ibango leendleko zoshishino, ingeniso evela kwiikomishini ezibhalwe kwikhowudi 3606 ifanele ibe ngaphezu kwe-50% yomvuzo uwonke kwi-IRP5, isimbuku sengeniso-mali ephuma kwingxowa-mali yomhlalaphantsi (3697) kunye ingeniso epheleleyo evela kwinkxaso-mali engezizo zomhlala-phantsi (3698). Umvuzo uwonke uquka isiseko somvuzo, igalelo kuncedo lwezonyango, iipremiyamu ezidityanelweyo zobomi kunye nawo nawaphi na amagalelo kwiingxowa-mali zomhlalaphantsi ezenziwe ngumqeshi.
Ikhomishini ingaba yintlawulo ephantsi okanye ipesenti yexabiso lentengiselwano. Yimali ehlawulwayo ukwenza intengiselwano. Nangona i-arhente yekhomishini inokuthiwa "i-arhente" okanye "ummeli", umntu uthathwa "njengomqeshwa" kwiShedyuli yesine yoMthetho weRhafu yeNgeniso. Ingeniso yeKhomishini yingeniso eguquguqukayo. Ikhomishini efunyenweyo ithathwa njengefunyenwe ngumqeshi kwaye ithathwa njengefunyenwe ngumqeshwa ngenyanga yokuhlawula, kungakhathaliseki ukuba iintengiso okanye iimali zokuhlawula ezenza isiseko sokubala ikhomishini yenzeka.
Zeziphi iindleko zokuvala ezitsalwa kwirenti yepropati
Hayi, i-IRS ayikuvumeli ukuba utsale umrhumo wokuthengiselana, njengemirhumo ye-brokerage kunye neekhomishini, xa uthenga okanye uthengisa izabelo, kodwa unokongeza inani lezo mali kwixabiso lokuthenga izabelo zakho. Ixabiso lokuthenga kunye neendleko zokufunyanwa kwezabelo zilingana nesiseko seendleko zazo.
Hayi, i-IRS ayikuvumeli ukuba utsale iindleko zokuthengiselana, njengemirhumo ye-brokerage kunye neekhomishini, xa uthenga okanye uthengisa amasheya. Ixabiso lokuthenga kunye neendleko zokufunyanwa kwezabelo zilingana nesiseko seendleko zazo.
Iindleko ezinxulumene nokuthengwa, ukubamba kunye nokuthengiswa kwezabelo, iimali zotyalo-mali kunye nolunye utyalo-mali aluyi kuchithwa iminyaka yerhafu ye-2018-2025. Oko kubandakanya iimali zokurhweba, iimali zolawulo, kunye neentlawulo okanye iikhomishini. Ezo ntlawulo aziyi kuxelwa kwi-1099-B yakho kuba azinampembelelo kwirhafu yengeniso yakho.
Ixabiso lokuthenga okanye lokuthengisa isitokhwe sele libonakalisiwe kwinzuzo/ilahleko eshiyekileyo xa uthengisa isitokhwe esisisiseko… jonga ingxelo yebroker yakho ebonisa isiseko seendleko ezipheleleyo kunye/okanye ucele umthengisi akucacisele ukuba kungenwa njani na iindleko kwingxelo. iifom.
Ngaba iindleko zomrhumo ziyatsalwa?
IShedyuli A ye-1040 yembuyekezo yerhafu ichaza ukutsalwa kwerhafu okuchaziweyo ekugqibeleni kunceda ukunciphisa inani lerhafu etyalwa kwi-IRS. Ishishini le-mortgage lihlawula ingqalelo kwiindleko zoshishino ezingahlawulwanga ezivela kumgca we-20 (ophuma kwifomu ye-2106) kwaye unokubala ezo lahleko kwingeniso yakho evumelekileyo. Kwimeko apho ezi lahleko zithatyathwe kwingeniso, ishishini liya kuthatha umyinge weminyaka emibini yale lahleko (okanye lisebenzise eyona lahleko yakutshanje ukuba ibingaphezu konyaka ophelileyo) kwaye ezo ziya kuqwalaselwa kubalo lwamatyala alo. kwingeniso.
Ilahleko esuka ku-2016 / iShedyuli A Iindleko zeShishini ezingaBuyiswanga kufuneka ziqwalaselwe xa ingeniso yekomishini ifunyenwe OKANYE xa isibonelelo semoto sibandakanyiwe kumvuzo wenyanga ofanelekileyo womboleki.
Kwimali-mboleko ye-FHA kunye ne-VA, ukuba ingeniso yomrhumo wayo nayiphi na imali ifunyenwe, ke ezi ndleko zingabuyiswanga kufuneka zitsalwe kwingeniso. (Ngokwezobugcisa, i-VA ayithethi ukuba zibalwa nini ezi ndleko, ngoko ke ishishini lemali yokubambisa lithobela izikhokelo ze-FHA.)
