Ukuncishiswa
Akukho okuningi mayelana nezintela ezijabulisa abantu, ngaphandle uma kukhulunywa ngendaba ebanjwayo. Ukudonswa kwentela yizindleko ezithile ezitholwe unyaka wonke wentela ezingasuswa emalini engenayo ekhokhiswa intela, ngaleyo ndlela kwehliswe inani lemali okufanele intela.
Futhi kubanikazi bezindlu abane-mortgage, kunezinye izimali ezibanjwayo abangazifaka. Ukudonswa kwenzalo ye-mortgage kungenye yezindleko zentela ezimbalwa zabanikazi bezindlu ezihlinzekwa yi-IRS. Qhubeka ufunde ukuze uthole ukuthi iyini nokuthi ungayifuna kanjani ezintela zakho kulo nyaka.
Ukudonswa kwenzalo ye-mortgage kuyisisusa sentela kubanikazi bezindlu. Lokhu kubanjwa kwento ethile kuvumela abanikazi bezindlu ukuthi babale inzalo abayikhokhayo emalini ebolekiwe ehlobene nokwakhiwa, ukuthengwa noma ukuthuthukiswa kwekhaya labo eliyinhloko ngokumelene nomholo wabo okhokhiswa intela, behlise inani lezintela abazikweletayo. Lokhu kudonswa kwemali kungase futhi kusetshenziswe emalimboleko yezindlu zesibili, inqobo nje uma uhlala ngaphakathi kwemikhawulo.
Kunezinhlobo ezithile zezikweletu zezindlu ezifanelekela ukudonswa kwentela yemali ebolekiwe. Phakathi kwazo kubalwa imali ebolekiwe yokuthenga, yokwakha noma yokuthuthukisa izindlu. Nakuba imali ebolekiwe evamile iyimali ebolekiwe, imali mboleko yezindlu, umugqa wesikweletu, noma imali ebolekiwe yesibili nayo ingase ifaneleke. Ungasebenzisa futhi inzalo ye-mortgage ngemuva kokuthenga kabusha ikhaya lakho. Udinga nje ukwenza isiqiniseko sokuthi imali ebolekiwe ihlangabezana nezidingo ezingenhla (ukuthenga, ukwakha noma ukuthuthukisa) nokuthi ikhaya okukhulunywa ngalo lisetshenziselwa ukuvikela imali ebolekiwe.
hamba uhlele a
I. Inzuzo eyinhloko yentela yokuba nomuzi ukuthi imali etholwayo yokuqasha etholwa abanikazi bezindlu ayikho ngaphansi kwentela. Nakuba leyo mali engenayo ingakhokhiswa intela, abanikazi bezindlu bangakwazi ukudonsa inzalo yokubolekwa kwempahla kanye nezinkokhelo zentela yendawo, kanye nezinye izindleko ezivela emalini yabo engenayo ekhokhiswa intela uma bekhipha imali yabo. Ngaphezu kwalokho, abanikazi bezindlu bangakhipha, kuze kufike emkhawulweni, inzuzo enkulu abayitholayo ngokuthengisa umuzi.
Ikhodi yentela inikeza izinzuzo ezimbalwa kubantu abangabanikazi bamakhaya abo. Inzuzo enkulu ukuthi abanikazi bezindlu abayikhokhi intela emalini etholwayo yokuqasha evela ezindlini zabo. Akudingekile ukubala inani lokuqashisa lezindlu zabo njengemali engenayo ekhokhiswa intela, nakuba lelo nani liyimbuyiselo ye-investimenti efana nezabelo ezisitokweni noma inzalo ku-akhawunti yokulondoloza. Kuwuhlobo lwemali engenayo engakhokhiswa intela.
Abanikazi bezindlu bangakwazi ukudonsa kokubili inzalo yendlu kanye nezinkokhelo zentela yendawo, kanye nezinye izindleko, entela yabo yemali engenayo yenhlangano uma bekhipha imali yabo. Entelani esebenza kahle, yonke imali engenayo izokhokhiswa intela futhi zonke izindleko zokukhuphula leyo mali engenayo zizodonswa. Ngakho-ke, enteleni yemali engenayo esebenza kahle, kufanele kube nezimali ezibanjwayo zenzalo yezindlu kanye nezintela zezakhiwo. Kodwa-ke, uhlelo lwethu lwamanje aluyikhokhi intela emalini engenayo ebalelwa etholwa abanikazi bezindlu, ngakho-ke isizathu sokukhipha imali yezindleko zokuthola leyo mali engenayo akucaci.
Ingabe izinkokhelo zezindlu zokuhlala ziyadonswa?
I-Home Equity Interest Deduction (HMID) ingesinye sekhefu lentela elaziswa kakhulu e-United States. Ama-realtors, abanikazi bezindlu, abazoba ngabanikazi bezindlu, ngisho nabagcini bamabhuku entela babonisa ukubaluleka kwayo. Eqinisweni, inganekwane ivame ukuba ngcono kuneqiniso.
I-Tax Cuts and Jobs Act (TCJA) eyaphasiswa ngo-2017 yashintsha yonke into. Kwehliswe umkhawulo ophezulu wemali ebolekiwe uthishanhloko ukuze uthole inzalo edonswayo ibe ngu-$750,000 (kusuka ku-$1 million) yemali mboleko entsha (okusho ukuthi abanikazi bezindlu bangadonsa inzalo ekhokhwa kufika ku-$750,000 esikweletini sendlu ebolekiwe). Kodwa futhi iphinde yaphinda kabili imali ebanjwayo evamile ngokususa ukukhululwa komuntu siqu, okwenza kungadingeki ukuba abakhokhi bentela abaningi babhale, njengoba babengeke besakwazi ukuthatha ukukhululwa komuntu siqu futhi benze izinto ezibanjwayo ngesikhathi esifanayo.
Ngonyaka wokuqala ngemuva kokuqaliswa kwe-TCJA, abakhokhi bentela abangaba yizigidi eziyi-135,2 bekulindeleke ukuthi bathathe ukudonswa okujwayelekile. Uma kuqhathaniswa, izigidi ezingu-20,4 bekulindeleke ukuba zikhiphe imali ebanjwayo, futhi kuleyo, izigidi ezingu-16,46 zizofuna ukudonswa inzalo yendlu.
Inzalo ye-mortgage idonswa ngo-2021
Njengomthetho ojwayelekile, ungakwazi kuphela ukukhipha ezinye izindleko ze-mortgage, futhi kuphela uma ubhala phansi izimali zakho ezidonsiwe. Uma uthatha imali ebanjwayo evamile, ungaziba lonke lolu lwazi ngoba ngeke lusebenze.
Qaphela: Sihlola kuphela ukudonswa kwentela yenhlangano yonyaka wentela ka-2021, efakwe ngo-2022. Ukudonswa kwentela yezwe kuzohluka. Lesi sihloko senzelwe izinjongo zolwazi kuphela. I-Mortgage Reports akuyona iwebhusayithi yentela. Hlola imithetho efanele ye-Internal Revenue Service (IRS) nomuntu oqeqeshiwe wentela ukuze uqiniseke ukuthi iyasebenza ezimeni zakho zomuntu siqu.
Impumuzo yakho enkulu yentela kufanele iqhamuke kwinzalo yemali ebolekiwe oyikhokhayo. Lena akuyona inkokhelo yakho yanyanga zonke. Inani olikhokhela kuthishanhloko wemali mboleko alidonswa. Ingxenye yentshisekelo kuphela.
Uma i-mortgage yakho iqala ukusebenza ngoDisemba 14, 2017, ungadonsa inzalo efinyelela ku-$1 million esikweletini ($500.000 lilinye, uma ushadile ugcwalisa ngokuhlukana). Kodwa uma ukhiphe imali ebolekiwe ngemuva kwalolo suku, ikhephu ingu-$750.000.
