Ukukhusela amaMelika eMthethweni weeRhafu zeRhafu
UMthetho woNcedo lweRhafu kunye noMthetho woLondolozo lwezeMpilo kuqala waqalisa ukuchithwa kwe-inshorensi yokubolekwa ngemali ngo-2006. Inkomfa yawandisa ngo-2015 xa idlulisela i-Protecting Americans kwi-Hik Hikes (PATH) Act .
Kodwa phantsi kwemiqathango yoMthetho we-PATH, ukuncitshiswa kwaphelelwa yisikhathi ngo-Disemba 31, 2016. Ukongezwa kwaba kuhle konyaka omnye.
Ukuncitshiswa kungasayi kubakho ixesha lonke ngenxa yokuba iCongress inokuyivuselela. Le ngenye yezo zithintelo ukuba urhulumente uphonononga rhoqo ngonyaka, kwaye ingabhekiswa phantsi kwe-Bill Trump yokuhlaziywa kwentlawulo yerhafu, ethe wathetha ukujolisa ekuncedeni iintsapho ezinomvuzo ophakathi.
Abathengi abanokuthi banokubanjiswa oku kuhluthwa yiintsapho ezifumana imali ephakathi, kuba iphuma kwaye ayifumaneki kumanqanaba aphezulu aphezulu. Ukunciphisa inzala yomhlalaphantsi kunye nentlawulo yezindlu ezihlala kwiindawo ezikhuselekileyo zihlala zikhuselekileyo ngo-2017.
Insurance Insurance
Ababoleki bafuna i-inshurensi yangasese yokubambisa i-inshurensi ukuze bafumane amatyala xa kwenzeka. Ukuhlawulwa kwabathengi abakwazi ukuhlawula iintlawulo ze-20 ekhulwini. Inqubomgomo yomshuwalense inokukhishwa yinkampani yomshuwalense yabucala okanye kwi-Federal Housing Administration, kwiSebe lezoLimo leeNkonzo zeZindlu zaseMaphandleni okanye kwiSebe leeMantshi.
Imali Efanelekileyo
Ukukhishwa kwe-inshurensi yokubambisa i-inshurensi kusebenza kuphela kwimali-mboleko eyenziwe emva okanye emva komhla kaJanuwari 1, 2007. Umgaqo-nkqubo we-inshorensi kufuneka ube ngowetyala lokufumana ikhaya kwikhaya lokuqala okanye lesibili. Inkokhelo yokuthengwa kwekhaya ngumntu onetyenziselwa ukuthenga, ukwakha okanye ukuphucula kakhulu indawo yokuhlala.
Ngokuqhelekileyo awukwazi ukurenta indlu yesibili ngaphandle - kufuneka uyisebenzise ngokwayo, njengekhaya lokuphumula. Usenokuba ufanelekile ukuncitshiswa, nangona kunjalo, ukuba uyayiphatha ikhaya lesibini njengempahla ye-asset. Imali-mboleko yokulingana yasekhaya ayifaneleki ukuncitshiswa, okanye ukulungiswa kwemali. Nangona kunjalo, ukuhlaziywa kweemali mboleko ukuya kwisixa semali yokubolekwa kwangaphambili.
Imilinganiselo yeNgeniso
Awunelungelo lokubanga le ncitshiseko ukuba ingeniso yakho epheleleyo ehlengahlengayo idlula i-$ 109,000, okanye i-$ 54,500 xa utshatile kwaye uthumela ukubuyiswa kweerhafu ezahlukileyo. Ukuncitshiswa kuqala "ukuphuma ngaphandle" kwimingcele engaphantsi: i-100,000 i-dollar enye, intloko yasendlwini kunye nokutshata ngokufakela abahlawuli berhafu abadibeneyo kunye ne $ 50,000 kubahlawuli berhafu abatshatileyo abafakela ukubuyiswa okuhlukile. Esi sigaba-siphumo sifuna ukuba usususe ipesenti ezili-10 ukusuka kwimali yeeprayimari ozihlawulele i-$ 1,000 nganye ukuba ingeniso yakho ingaphezu kwe-100,000 okanye i-$ 50,000, nokuba yeyiphi inombolo efanelekileyo. Unokufumana i-AGI yakho kumgca we-37 yeFomu yakho ye-1040 yentlawulo.
Ukumangalela ukuDeduction
Ii-premium ze-inshurensi zemali ezihlawulwa ngethuba lonyaka zichazwe kwifom ye-1098. Kufanele ufumane le fomu kumboleki wakho emva kokuvalwa komnyaka werhafu. Unokufumana isixa ohlawule ngayo kwiimali-mali kwibhokisi 4.
Okwangoku akukho mda kumlinganiselo wokuncitshiswa ungabanga ukuba wena kunye nemboleko yakho ufanelekile.
Unako ukususa yonke imali. Iimali-mboleko ze-inshorensi ezihlawulwa kuqala zingabelwa phezu kwexesha le mboleko okanye iinyanga ezili-84, nokuba yeyiphi ixesha elifutshane, phantsi kwesigqibo esivela kwi-IRS esashicilelwe kwiSaziso 2008-15.
Imali-mali yomshuwalense ye-inshurensi yinkcitho echanekileyo yerhafu . Zibikwe kumgca 13 weShedyuli A, "Inzala ohlawulwayo." Awukwazi ukufaka isicelo sokubanjiswa kweeprimiyamu zokubambisa i-inshurensi yokubambisa imali xa ubiza inqanaba elichithwayo - kufuneka usebenzise iShedyuli A.
Ukukhansela Intshurensi yakho
Ngenxa yokuba akukho nto ichaza xa okanye iCongress iya kuphefumula ubomi obongezelelweyo kulo ncitshulwa, inokuhlawula ukujonga ibhalansi yakho yangoku yokuhlawula imali ngokubhekiselele kwixabiso lakho lemarike elifanelekileyo lekhaya. Awusayi kuphinda uhlawule i-inshurensi yangasese ye-mortgage xa ukulingana kwakho kwipropati kungaphezu kwama-20 ekhulwini, kodwa akunakwenzeka ukuba umboleki wakho okanye umgcini-mboleko uza kukubonisa oku.
Akukho mntu uya kukhanda ngokuzithandela umgaqo-nkqubo wakho kuwe xa ushaya le nombolo yomlingo - kodwa unako. Yilungele ukuba ikhaya lakho lihlolwe okanye ixabiso elinikezwe ngenye igosa ukuze uqinisekise ukuba i-inshorensi ayisadingeki. Nangona kuvela ukuba iCongress ayihlaziyi ityala, unokukwazi ukugcina imali ngaphandle kokuba uthathe amanyathelo okucima umgaqo-nkqubo wakho.
QAPHELA: Imithetho yerhafu iguquka rhoqo, kwaye kufuneka uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengengcebiso yerhafu kwaye ayifaki indawo yeengcebiso zerhafu.