Indlela yokukhupha iingongoma zemiboleko kwiRhafu yakho yeRhafu
Amaphuzu atyala imali ngamanye amaxesha athola imiphumo embi, nangona ingahlawulwa irhafu, kwaye amanqaku amaninzi ebolekayo xa ulandela imithetho. Nantsi ingcebiso efanelekileyo. Ucwangciso lokuthenga ikhaya elitsha ekupheleni konyaka? Zama ukugoqa izinto ngo-Dec. 31. Umvuzo wokuba umhlangano wokuba umhla wokugqibela uhlawulelwa irhafu kulo nyaka ukuba kufuneka uhlawule ngemali yokuthenga ngemali mboleko mboleko oya kuhlawulwa kuyo.
Iingongoma Zemivuzo Zisebenza Njani?
Ziziphi iingongoma? Ziyimali eyongezelelweyo, imirhumo ye-front-front, endaweni yeendleko eziphezulu. Xa imali ibinqongophala, ababolekisi bahlawula ngokukhawuleza amaphuzu, eyaziwa ngokuba ngu-"imali yemali-mboleko yemali," "iirhafu zemali-mboleko" okanye "isaphulelo semali mboleko;" enye inqaku lilingana nepesenti enye yemali ebolekelweyo. ngongoma, uhlawule i $ 3,000.
Amanqaku aMboleko afaneleka njani njengokwenyuka kweRhafu?
Isitshixo semali yokubolekisa ngemali ibe ngama-100 ekhulwini anqunywe kunyaka wokuhlawula, kunye nenye inzala-mboleko yokuhlala ekhaya, kukuba uhlawula amanqaku ukufumana uhlobo oluthile lomboleko. Kumele ube ngumboleko wokuthenga, ukwakha okanye ukuphucula (njengokuba xa ungeze okanye ulungisa kwakhona igumbi) lakho ikhaya eliphambili, oko kukuthi, ikhaya lakho elijikelezayo unyaka, ngokuchaseneyo, uthi, ikhaya lesibini oyisebenzisa njengeholide okanye ipropati oyihlawula irente.
Iyintoni i-IRS malunga neengongoma zemali?
Nantsi indlela i-IRS efunda ngayo umthetho xa uhlaziya imali ekhoyo.
Ngokuqhelekileyo, ukuhlaziywa kwamaphuzu akukhatywanga ngokupheleleyo kunyaka ozihlawulayo ngaphandle kokuba zihlawulwa malunga nokuthengwa okanye ukuphuculwa kwekhaya. Oku kuyinyaniso nokuba ngaba i-mortgage entsha ikhuselekile kwikhaya lakho eliphambili. Ukuhumusha: Abahlaziyi-mali kufuneka babhale amaphuzu kwiindawo zokurhoxisa kunye nokurhweba ngobomi bembolekiso-ukwahlula amanqaku ahlawulwe ngenani leenyanga ezihlawulwayo malunga nokuboleka kwemali mboleko.
Ngokomzekelo, uhlawula i-$ 4,000 kwiindawo zokubolekisa kwaye uza kwenza iintlawulo zeenyanga ezili-360 kwi-mortgage year-year. Ukuncitshiswa kwakho okuvumelekileyo kukuyi-$ 11.11 ngentlawulo nganye, okanye i-133.33 yeentlawulo ezi-12.
Esi simfuno sokwabiwa kwe-IRS sixhaswe yiSigqibo seNkundla yeNtlawulo ka-1988, nangona iNkundla yesibheno yesibhozo yesibhozo inqatshelwe umgaqo-sabelo xa iipalenti zihlawulwa kwixesha elide lokuthenga imali elithatha indawo yemali-mboleko yexesha elifutshane kunye nokuhlawula ibhaluni .
Xa uhlaziywa okwesihlandlo sesibini, okanye ukuba umboleko uhlawulwa kusasa, uthathe uhlawulelo kunyaka wokuhlawulwa kuwo onke amanqaku aseleyo awanakutsalwa. Wowu! Ngubani owaziyo?
Umthetho wenza kube lula kwi-IRS ukujonga ukuba umninikhaya uyakunciphisa ngokufanelekileyo impawu. Umboleki-mboleko kufuneka anike ingxelo kwi-IRS inani lamaphuzu, ngaphandle kweengqinisiso zokuhlaziya, ezihlawulwa ngqo ngumboleki. Ixabiso kufuneka lifakwe kwiFomu 1098. Njengeenombolo eziyi-1099 ezivela kwiibhanki kunye namafayili omrhwebi abiza ukwahlula kunye nolwazi, umdlalo we-1098 uthunyelwa kwi-IRS ukuba isetyenziswe ngamakhompyutha ayo, athelekise amanani a-1098 kunye nezixa ezidweliswe ngokuncitshiswa kwamanqaku eShedyuli I-Form 1040.
Kuthiwani Ngamaphuzu Okubolekwa Kwintengiso Okuthengisiweyo?
Ezinye iinkathazo zikhawuleza xa ungumthengisi kunye neengxelo zokuhlawula ukunyusa umboleki ukuba ulungiselele imali ngemthengi.
Awukwazi ukubala amanqaku njengomdla. Kodwa njengendleko yokuthengisa, banciphisa inani lale nzuzo oyifumanayo ekuthengiseni kwaye iyancitshiswa ngumthengi, ngubani ke omele enze amanye amaphepha. Kumele akhuphe inani elihlawulelwe kwixabiso lokuthenga ekuqulunqeni isiseko sekhaya - isibalo esisetyenziselwa ukufumana inzuzo okanye ukulahleka xa kuthengiswa i-asethi.
Ngaba iMirhumo yokuhlawulwa kweRhafu ihlawulwe?
Khawukhumbule omnye umonakalo ukuba uhlawule imali yokuhlala kwinqununu kwaye uhlaselwe isigwebo esiphezulu (ipesenti yebhaleji engakhokhelwa) ilungelo lokuhlawula ngaphambi kwexesha. Kungakhathaliseki ukuba umenzi-mboleko ubiza ntoni, ukuba inkokhelo eyongezelelweyo ichithwa ngokupheleleyo kwi-home mortgage interest.
U-Julian Block ngummeli, umgcini wekholamu kunye nomntu wokuqala we-IRS (uphenyi wobugebengu). Le nqaku yachithwa ngemvume evela kwiphephancwadana: "Isikhokelo Sokuthengiswa Kwasekhaya kwiNkxaso Yentlawulo: Iindlela Ezilula Kuwuphi na uMthengisi onokuThengisa iMali engaphantsi koMthetho oNcinane," onokuyalelwa ngokuthumela i-$ 19.95 ikopi yokuposa emva kweJ. Block, 3 Washington Sq., # 1-G, Larchmont, NY 10538.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.