Ukukwazi oko ungasenako ukukrazula kunokukugcina imali ngexesha lerhafu
I-TCJA tweaks kwaye idibanise nokunciphisa amaninzi amaninzi, kodwa uninzi lwenguqu lusexeshana.
Ziya kuphelelwa ngo-2025 ngaphandle kokuba iivoti zeCongress zigcine ezinye okanye zonke zazo. Okwangoku, unokuba ufuna ukucwangcisa ngokufanelekileyo ukuba uhlala uthile ezinye okanye zonke ezi zithathwe.
Ukuxothwa kweendleko zonyango
Ukutshintshwa kweendleko zonyango ngokwenene kumhlawuli-ntlawulo, ubuncinane ngexesha elifutshane.
Unokubango nje ukuncitshiswa kwindleko yeendleko zakho ezidlula iipesenti ezili-10 zomvuzo wakho ohlaziyiweyo ngonyaka we-2016. I- TCJA iyanciphisa umda ukuya kuma-7.5 ekhulwini, nangona kuphela kwerhafu yonyaka ka-2017 no-2018. Eli lungiselelo libuyele, ngoko ke ufumana isipho esincinane njengoko uhamba ngokulungiselela ukubuya kwakho kwe-2017-uya kukwazi ukunyusa ezinye iindleko zonyango .
Eminye imigaqo iyaqhubeka. Unokubanga iindleko ezenzelwe wena, iqabane lakho okanye abaxhomekeke kuyo, kwaye kufuneka uhlawule ngawo unyaka owodwa uzibamba njengoluhluthwayo.
I-7.5 yepesenti yomyinge ihlelwe ukunyuka kwakhona ukuya kuma-10 ekhulwini ngo-2019, ngoko unokuba ufuna ukuchitha imali ngoku kunokuba ucinga ngokucwangcisa iinkqubo ezikhethwe phantsi komthetho. Gcina nje ukhumbule ukuba utyando-uhlobo lwezonyango kunye nezokwelapha aluxhomekekanga, nangona ezo zinto zikhusela kunye nezo ziphethe iingxaki ezikhoyo.
I-State kunye neTeksi yokuThengwa kweeTeksi (SALT)
Oku kuncitshiswa kwakumcimbi wesigxina esishisayo njengoko i-TCJA yenze indlela yayo kwiCongress ekupheleni konyaka we-2017. Yayisetyenziselwa ukungenamkhawulo, kwaye yayiquka uluhlu lweentlawulo: impahla, ukuthengisa kunye nemali engenayo , nangona bekufuneka ukhethe phakathi ukunciphisa irhafu yokuthengisa okanye irhafu yengeniso. Awunakufaka isicelo sokuncitshiswa kokubili.
Lo usengummiselo, kodwa ngoku kukho umyinge jikelele malunga nokuba unako ukuthatha ixesha elingakanani. Ikhupha i-$ 10,000 phantsi kwemiqathango ye-TCJA. Ukuba uhlawula i-$ 6,000 kwiirhafu zepropati kunye ne-5,000 yeerhafu kwiirhafu zerhafu ngenani lama-11,000, uza kulahlekelwa i-$ 1,000 yaloo ncitshulwa eqala ngo-2018. Unokubanga i-$ 5,000 kwiirhafu zepropati okanye i-$ 4,000 kwiirhafu zerhafu, kodwa enye i-$ 1,000 I-11,000 yeedola ezipheleleyo ozihlawulayo ayisekho. Oku kuya kuba yinto enzima kulabo abahlala kumazwe abanezinga eliphezulu lokuhlawula irhafu okanye iinkalo ezineerhafu eziphezulu zerhafu, ezifana neNew York, eNew Jersey, eCalifornia naseSithili sase-Columbia.
Yaye ukuba utshatile uze ufake ifayile eyodwa, kufuneka unqumle inani lalingama-$ 10,000 kwisigamu. Ezi zihlomelo zinelungelo lokutsalwa kweedola ezi-5,000 kwimeko, kwipropati kunye neerhafu zendawo. Lo mgaqo awusebenzi kumntu oyedwa okanye intloko yefayile yezindlu, nangona kunjalo-banokubango i-$ 10,000 epheleleyo.
Imirhumo yepropati yangaphandle yangaphandle ayinakuncitshiswa, nokuba kunjalo. I-TCJA iphelisa umyalelo werhafu.
Ngaba Unokuhlawula Iimali Zakho Ukufumana Ukukhutshwa Kwakudala?
Le ntlawulo yerhafu yeerhafu entsha yabaninzi abakhokheli berhafu bafaka iiofisi zabo zokuhlawula irhafu kwendawo ekupheleni kuka-2017. benethemba lokuba bahlawule iirhafu zabo ze-2018 ukuze banokuthi bathathe intsalela yemali epheleleyo. Kodwa ngoDisemba 27, ngo-2017, iNkonzo yeNgeniso yeNgeniso yangaphakathi yathi ngokufanelekileyo, "Akunjalo ngokukhawuleza." Ukuba uthe wahlawulisa iirhafu zakho zepropati ngo-Disemba, zithathwa kuphela ngo-2017 ukuya kwindlela abaye bavavanywa ngayo. Ngamanye amazwi, ngokwenene ufumene i-bill ye-2018 yentlawulo-kwaye uyihlawule-ngaphambi koDisemba 31, 2017. Awunakufaka isicelo sokubanjiswa kwe-IRS yinto ebizwa ngokuba yi-IRS "ilindeleke" irhafu ye-2018.
Ukutshatyalaliswa kweNkcazo yeMali yasekhaya
Le ntsalela ayizange isuswe, kodwa ihlupheke.
Oku kuncitshiswe ngakumbi ngoku, kodwa ukuba kulungile, abaninzi berhafu abayi kuvakalelwa. Ngubo kuphela abanokukwazi ukufumana iimali-mboleko ezininzi eziphezulu ezichaphazelekayo.
Ngonyaka we-2017, unokubamba inzala kwimali-mboleko yokuboleka imali ukuya kwi-$ 1 yezigidi ukuba ayetyenziselwa ukufumana indawo yokuhlala yokuqala okanye yesibini, okanye i-$ 500,000 ukuba utshatile kwaye wafaka ukubuyela okuhlukile. Unokubangela inzala kwimali-mboleko yemali ye-home to $ 100,000. I-TCJA inciphisa oku kwiimali-mboleko zokufumana imali engama-$ 750,000, okanye i-375,000 zama-dollar kubathengi abatshatileyo abafakela ngokwahlukileyo, kwaye awukwazi ukukhangela inzala kwimali-mboleko yemali yasekhaya.
Ngamanye amagama, ngaphandle kokuba unelungelo lokufumana imali engama-750,000-plus mortgage, akukho utshintsho olukhulu kuwe.
Imini echaphazelekayo ayifumananga ngokucacileyo kunye nezilungiso kulo ncitshiswa. Umda omdala weRandi 1 wezigidi awuzange ude ude ude ngoDisemba 31, 2017. Usebenza kuphela kwiimali-mboleko ezithengiweyo ngaphambi koDisemba 14, 2017, kwaye kufuneka uvale kwipropati ngo-Ephreli 1, 2018.
Kwaye nantsi enye inkinga: Unokuhlaziya umhlala-mali okhoyo owakhupha ngawo phambi kuka-Disemba 14 kunyaka werhafu 2018 okanye kamva kwaye unako ukususa inzala, kodwa kuphela ukuba inani elincinciweyo alilona likhulu kunelixa lakho lemali elidala. Khumbula, ukuncitshiswa kwenzala kwimali-mboleko yemali yasekhaya isusiwe, kodwa ukuba awuyi kuthatha nayiphi na imali, ulungile.
Ukukhutshwa okuchaphazela abasebenzi
I-TCJA iphinda ichithe iinqununu ezibini ezisebenzayo. Kwakuqhelekile ukuba unokudoduza iindleko ezithile zokuhamba ukuba ufanele uhambise izizathu ezinxulumene nomsebenzi, phantsi kwemiqathango emininzi yokufaneleka. Ngethemba, ushukunywe ngaphambi kukaDisemba 31, 2017 okanye unako ukuyeka ukukwenza ukwenzela ukuba i-TCJA iphele ngo-2025, kuba le ntsalela ayikho.
Ngokwenene, oku kwakunqunyulwa ngentla-mgca, "ukongeza" kwiingqununu zakho okanye ukuncitshiswa kwakho okuqhelekileyo. Kwaye olu tshintsho aluchaphazeli abasebenzi basebenzi bempi. Basenokuthi bathathe le ncitshulwa nini kwaye xa banyanzeliswa ukuba bahambe ngezizathu ezinxulumene nenkonzo.
Lezo zihlomelo ezihlukeneyo eziye zazisetyenziswa ukukwazi ukufaka ibango kwiindleko omele uyenzele injongo ezinxulumene nomsebenzi nazo, nazo. Ezinye izihlomelo ezingafaniyo ziye zasinda kwi-TCJA, kodwa kungekhona le. Kwibala eliqaqambileyo, le nto yayidaluctible kuphela kwinqanaba lokuba lidlule i-2 ekhulwini le-AGI yakho nantoni na, kwaye ukuba ayengayibhawulwa ngumqeshi wakho.
Ukutshatyalaliswa kokuThathaka nokuLwa kweMpahla
Ukulahleka kunye nokulahlekelwa kwebabi ukuchithwa okwenziweyo kusinda ... luhlobo lwalo, kodwa luye lwabuyiselwa endleleni. Ukususela ngowama-2018, unokumangalela nje le ncitshiseko xa ulahlekelwa yilahleko ngenxa yentlekele ebhengezwe ngumbuso . Umongameli wase-United States makacacise isiganeko njengentlekele. Ngethamsanqa, oku kubandakanya iziganeko ezinobungozi ezinjengeemvula, kodwa ungeyaluyaluba ukuba ummelwane wakho weba i-laptop yakho entsha.
Akunakuphinda ufikeleleke
Ukuncitshiswa kwezibonelelo kusaphila kunye kwaye bahlala bengatshintshi, kwaye nantsi iindaba ezilungileyo. Oku kuncitshiswa-kunye ne-home mortgage interest deduction-kwakuxhomekeke kwinto ebizwa ngokuba yi-Pease limitations ngo-2017. Kwalabo abanemali ephezulu, ukunciphisa ukunciphisa amaxabiso athathwe ngamaphesenti ama-3 kuyo yonke i-dollar yemali engenayo engenayo kwimingcele ethile kwaye ekugqibeleni Iipesenti ezingama-80 zazo zahlulwa.
I-TCJA ichithe umda we-Pease, ngoko ke qhubeka uye unikele ekuthandweni kwakho okuthandayo kungakhathaliseki ukuba ufumana phi. Unokubamba le ntsalelo yerhafu ngokupheleleyo.
Ukukhishwa kweMigangatho yokuHlanywa nokuThuthukiswa koMgaqo
Kungenzeka ukuba akuyiyo yonke into ebunzima kunye nobumnyama kubarhafi berhafu. Ewe, ulahlekelwa iincinci ezincitshisiwe kunye nezinye izihlomelo ziye zaphela. Kodwa i-TCJA iphantse iphindwe kabini i- deductions standard for all stuses: ukusuka kwi $ 6,350 ukuya kwii-12,000 zamaxabiso abakhokheli bodwa, ukusuka kwi $ 12,700 ukuya kwii-24,000 zamawaka abatshatayo abatshatileyo abafake idibeneyo, ukusuka kwi-$ 9,350 ukuya kwi-18,000 yee-18,000 kwabo bafanele ukufakela njengenhloko yendlu. Ngako-ke, xa ufumaneke ukuba ufumane ukunciphisa, ukuncitshiswa kwakho okusemgangathweni kuya kufakwa umakhowa, mhlawumbi uhlawule ukulahleka.
Unokufumanisa ukuba uphuma kwiimeko ezininzi zerhafu njengaphambili, okanye usenokuphuma ngaphambili phantsi kwemithetho emitsha. Ukuba wena kunye neqabane lakho bekunokwazi ukuqokelela imali engama-20,000 kwiihlomelo, okanye ukuba iinqununu zakho zinciphisa zibe ngaphantsi kweedola ezingama-24,000 ngo-2018 ngumthetho omtsha, uya kulahlekelwa yimali ngokwenza. Kodwa ngokuxhomekeke kumanani akho ayenayo, unokukwazi ukuhlawulela le meko ngokufaka isicelo sokuncitshiswa okuqhelekileyo endaweni yoko.
Cwangcisa i-2018 yakho yokuchitha ngokufanelekileyo xa ukwenza iindleko kunye nokulindela ukuba ubenciphise ixesha lokuhlawula irhafu, kwaye ugcine engqondweni ukuba unokwazi ukwenza ezinye-ukuba awukho konke-umahluko ngokumisela ukutsalwa okuqhelekileyo endaweni yoko.