Ukutsalwa kwerhafu kumanqaku okubambisa
Ukwandisa inzala yakho yokutsalwa kwerhafu, sebenzisa zonke izinto ozitsalwayo ukuze ugqithe kutsalo oluqhelekileyo lwerhafu yengeniso evunyelwa yiNkonzo yeNgeniso yaNgaphakathi. Ukutsalwa komgangatho womanyano kuphezulu ngokwaneleyo kangangokuba awukwazi ukwenza ibango lokutsalwa kwenzala yemali-mboleko ngaphandle kokuba unengeniso ebalulekileyo. Ukuba ubango lokuxhuzulwa, uya kufumana isiqabu ngakumbi kwirhafu ngokuye uphezulu umvuzo wakho kunye nendlu-mboleko, ukuya kuthi ga kumda we-$750.000.
Ukutsalwa kwerhafu kwinzala yemali-mboleko yinzuzo yerhafu efumanekayo kubanini-zindlu abathi batsalwe kwirhafu yengeniso yomanyano. Amazwe anyanzelisa irhafu yengeniso angavumela abaninimzi ukuba bafune oku kuxhuzulwa kwiimbuyekezo zabo zerhafu, kungakhathaliseki ukuba bayayibhala kwiimbuyekezo zabo. INew York ngumzekelo.
Inzala oyihlawulayo iyancipha kancinci nyanga nganye, kwaye ngaphezulu kwentlawulo yakho yenyanga iya kwinqununu. Ke ngoko, inzala yemali-mboleko yonyaka ayiyi kuba yi-12.000 yeedola, kodwa kunokuba i-$ 11.357 okanye i-$ 12.892.
Ngaba iikhomishini zokuvula imali-mboleko yenkampani ziyaxhuzulwa?
Akukho nto ingako malunga neerhafu ezivuyisa abantu, ngaphandle kwaxa kufikwa kumbandela wokutsalwa kwemali. Ukuxhuzulwa kwerhafu ziindleko ezithile ezenziwe kunyaka wonke werhafu ezinokuthatyathwa kwingeniso erhafiswayo, ngaloo ndlela kuthotywa isixa semali ekufuneka irhafiswe.
Kwaye kubanikazi bezindlu abane-mortgage, kukho ukutsalwa okongeziweyo abangakubandakanya. Ukutsalwa kwenzala yemali-mboleko yenye yeentlawulo ezininzi zerhafu kubanini-zindlu ezibonelelwa yi-IRS. Funda ukuze ufumanise ukuba yintoni kunye nendlela yokuyibanga kwiirhafu zakho kulo nyaka.
Ukutsalwa kwenzala yemali-mboleko yinkuthazo yerhafu kubaninimzi. Oku kutsalwa kwento ethile kuvumela abaninimzi ukuba babale inzala abayihlawulayo kwimali-mboleko enxulumene nokwakhiwa, ukuthengwa okanye ukuphuculwa kwekhaya labo eliphambili ngokuchasene nengeniso yabo erhafiswayo, ukunciphisa isixa seerhafu abanazo. Olu xhuzulo lunokusetyenziswa nakwimali-mboleko yezindlu zesibini, ukuba nje uhlala ngaphakathi kwemida.
Kukho ezinye iindidi zeemali mboleko zezindlu ezifanele ukuxhuzulwa irhafu yenzala yemali-mboleko. Phakathi kwazo kukho imali-mboleko yokuthenga, ukwakha okanye ukuphucula izindlu. Nangona imali-mboleko eqhelekileyo yimali-mboleko, imali-mboleko yokuthenga indlu, umgca wetyala, okanye i-mortgage yesibini nayo inokufaneleka. Unokusebenzisa kwakhona inzala yemali ebolekwayo emva kokuba uhlaziye ikhaya lakho. Kufuneka nje uqinisekise ukuba imali-mboleko iyahlangabezana neemfuno ezikhankanywe ngasentla (ukuthenga, ukwakha okanye ukuphucula) kwaye ikhaya ekuthethwa ngalo lisetyenziselwa ukukhusela imali-mboleko.
hamba ishedyuli a
I-Home Mortgage Interest Deduction (HMID) yenye yezona zinto zixatyiswa kakhulu kwirhafu yaseMelika. 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.
Amanqaku ahlawulwe kwi-mortgage
Njengomgaqo oqhelekileyo, unokutsala kuphela iindleko zokubolekwa kwezindlu, kwaye kuphela ukuba uthatha izinto ezitsalwayo. Ukuba uthatha ukutsalwa okusemgangathweni, unokungahoyi lonke olu lwazi kuba aluyi kusebenza.
Qaphela: Sihlola kuphela ukutsalwa kwerhafu ye-federal kunyaka werhafu ka-2021, efakwe ngo-2022. Ukutsalwa kwerhafu yelizwe kuya kwahluka. Eli nqaku lenzelwe iinjongo zolwazi ngokubanzi kuphela. IiNgxelo zeMortgage ayisiyowebhusayithi yerhafu. Jonga i-Internal Revenue Service (IRS) imithetho kunye nochwepheshe berhafu abaqeqeshiweyo ukuqinisekisa ukuba basebenza kwiimeko zakho zobuqu.
Esona siqabu sakho kwirhafu kufuneka siphume kwinzala oyihlawulayo. Le asiyontlawulo yakho yenyanga epheleleyo. Imali oyihlawulayo kwinqununu yemali mboleko ayitsalwa. Kuphela yinxalenye yomdla.
Ukuba imali-mboleko yakho ibisebenza nge-14 kaDisemba 2017, unokutsala inzala ukuya kuthi ga kwi-1 yezigidi zeedola ematyaleni (i-$ 500.000 nganye, ukuba utshatile ufaka ngokwahlukeneyo). Kodwa ukuba uthathe imali-mboleko yakho emva kwalo mhla, ikepusi yi-750.000 yeedola.
