Ngaba uMthetho osaYilwayo weNtela ontsha uza kuthinta yonke imindeni ngokulinganayo?
Ngoko yintoni na kwi- bill yokugqibela yentlawulo kwaye ithetha ntoni kuwe nentsapho yakho? Siye sawaphula amagama okugqibela ukukunceda uhlele yonke into.
Ngalawo maBhakethi aRhafu kunye noDeductions Standard
Ukuncitshiswa okuqhelekileyo kuye kwanda kakhulu njengoko kwathembiswa kwangaphambili, ukusuka kwi-$ 6,500 ukuya kwii-12,000 zamawaka kwiifayile ezingatshatanga; ukusuka kwii-9,550 ukuya kwii-18,000 zama-$ ukuya kwintloko yeefayile zasemakhaya; kwaye ukusuka kwii-13,000 ukuya kwii-24,000 zamawaka abantu abahlawuli berhafu abatshatileyo abafakela ukubuyiswa okuhlangeneyo. Ungalindela phambili ngokuphindaphinda ngokuphindaphindiweyo inani lemali engenayo elithathiweyo ebhodini kwaye ayikho phantsi kwentlawulo ngo-2018.
Ingqungquthela yokuqala yowiso-mthetho ifunwa ukuqeda intloko inokuxhamla kwimoya yokufakela indlu , kodwa loo mqathango ayifumananga kwisigqibo esilungisiweyo sokugqibela. Inhloko yesimo sekhaya ihlala kuyo.
Uyakhumbula ukuba ekuqaleni amaRephabliki ayefuna ukuhlawula iibakaki zerhafu ezisikhoyo ezi-ezine kuphela, kodwa oko akuzange kwenzeke ukuba kwenzeke.
Kukho iibakaki ezisixhenxe, kodwa ipesenti zerhafu zitshintshile kwaye ibhonksi nganye ngoku ihlala ingeniso eminye imivuzo. Ukuba uzuze i-$ 35,000 ngaphantsi kwenkqubo yerhafu yangaphambilini, ubuya kuwela kwi-bracket yentela ye-15. Ihla i-12 kwipesenti kunye nomthetho omtsha. Ukuba uzuze i-$ 75,000, ubuya kuhlawula ipesenti ezingama-25; ngoku kuhla kuma-22 ekhulwini.
Kwii-100,000 zamaRandi, ubuya kuhlawula iipesenti ezingama-28 kwiirhafu, kwaye ngoku iyancitshiswe kuma-24 ekhulwini. Ibharensi yerhafu yabanikeli abaphezulu kakhulu, abo abanemali engaphezulu kwama-426,700, babe ngama-39.6 ekhulwini ngo-2017. Ihla i-37% ngaphantsi komthetho omtsha.
Ngako-ke ngubani ozuza kwi-Bill ye-GOP yentlawulo?
Ngubani phakathi kwethu oza kuzuza kakhulu kuyo yonke le nto? ISibonelelo soMgaqo-nkqubo weRhafu sichaze ukuba uMthetho weCandelo loNgeniso lweRhafu kunye neMisebenzi liza kunciphisa irhafu "ngokomyinge" kuwo wonke amaqela angeniso, kwaye iSiseko seSatifikethi sithetha into efanayo.
Igama eliphambili apha "lingumyinge." Abanye abakhokhi berhafu bangase bahambe ngakumbi xa abanye beza kuba ngcono. Kubalulekile ukugcina engqondweni ukuba iibhanki zerhafu kunye neerhafu zipesenti. Umhlawuli-ntlawulo ofumana imali eyi-100 000 kwaye ubona ukunciphisa ipesenti ye-4 kwerhafu yakhe yerhafu efanelekileyo kuza kubona ukunyuka kweerhafu eninzi kuneyona ntlawulo yerhafu emva kokuba umhlawuli-ntlawulo ophantsi ofumana i-$ 10,000 kuphela ngonyaka kwaye ebona enye ye-4- ukunciphisa ipesenti. Enyanisweni, i-Tax Policy Centre ithi iminyango engaphantsi kwemali ayiyi kubona ulwahlulo oluninzi xa kuqhotyoshelwe iinjongo ezipheleleyo zerhafu yeerhafu.
Apha, ke, ukujonga ngokukhawuleza kwindlela abahlawuli berhafu abaninzi ngayo kwiqela ngalinye lokufumana imali eliza kulondoloza phantsi kwebhili.
Ukuba ungumNcedisi weNkxaso-phantsi
I-Centre yePolisi yeNkcazo ibonisa ukuba xa ufumana imali engaphantsi kwama-25,000 wamawaka ngonyaka, uya kubona malunga ne-4 ekhulwini kwenyuka kwerhafu yakho emva kwentela, kwindawo ethile kwindawo engama-$ 60 ngonyaka ngonyaka kubantu abaninzi. Musa ukuyichitha konke kwindawo enye.
Ukuba Oyikhaya loMvuzo Ophakathi
Uza kubona i-$ 930 eyongezelelweyo ngonyaka okanye njalo kwiholo lentela emva kwentlawulo xa ufumana phakathi kwe-$ 49,000 kunye ne-86,000 yee-$, ngokubhekiselele kwi-Centre Policy Policy-ukwanda kwama-2.9 ekhulwini. Uqikelelo lweSatifikethi seRhafu luyinto encinci ngakumbi. Bakhombisa ukuba "ngaphantsi" ama-80 ekhulwini aseMelika abafumana imali, kubandakanywa imali engenamvuzo kunye nemindeni ephakathi engenayo, aya kubona ukwanda kwentlawulo yerhafu emva kwerhafu.
Ukuba ungumPhakamisi oPhakamileyo
Ukuba ufumana i-$ 149,400 kunye nee-308,000 zamawaka ngonyaka, isiXeko sePolisi soRhafu sithi kufanele ubone i-$ 7 640 eyongezelelweyo kwingeniso yerhafu emva kwemitha, umlinganiselo we-1.6%.
Akuyonto into yokunyundela, kwaye oku kuhamba malunga nama-4.1 ekhulwini xa ufumana imali engaphezu kwama-308,000-kwindawo ethile kwindawo engama-13,480 e-$ kwindleko yerhafu emva kwenyanga. Kodwa kwakhona, iSiseko seRhafu sisilondoloze ngakumbi kwaye sibeka inani le-1.6 kuphela.
Ukuba usoloko uphendule i-Deductions yakho, Unako ukuLahla
Umrhumo omtsha werhafu wenza utshintsho kwiintlobo ezincinci, kwaye oku kulindeleke ukuba kuthintele abahlawuli berhafu abaye baxhomekeke ngokusemthethweni kunokuba bathathe ukutsalwa okusemgangathweni kwimeko yabo yokufaka. Ukuncitshiswa okubhaliweyo okungekho kungabikho ngaphezu kokuncitshiswa okuqhelekileyo onelungelo lokukwenza, ngoko uya kuba ngcono xa uthatha ukutsalwa okuqhelekileyo ngoku okwandisiwe.
Kwiphepha le-flip, kunjalo, abo bahlawuli berhafu abazithengiweyo ngokugqithiseleyo ngokugqithiseleyo badlula inani elitsha lokunciphisa izinga labo lokufakela isimo. Ukuba ngaba nguwe, ngoko uya kuba phakathi kwabahlawuli berhafu abaye bakhutshwa ngokwenene ngumthetho omtsha.
Ukubona ukuba iSicwangciso seRhafu se-GOP singakhokelela ekuhlawuleleni ngaphezulu irhafu, zibuze le mibuzo:
Ingakanani Imali Yakho Imali?
Inzuzo yokubanjiswa kwemithwalo yemali isetyenziswe ngoku kuhlawulelwa kwemali ye-mortgage ye-$ 750,000 esikhundleni se-$ 1 yezigidi. Ngaphandle kokuba unendlu ebiza kakhulu, oku akufanele kukuchaphazele. Umyinge we-mortgage we-mortgage wawungumntla wee-196 000 zamawaka ngo-2016, ngo-Experian. Kukho lonke iqela legumbi phakathi kwelo ntsha entsha.
Olunye utshintsho kukuba unokukrazula kuphela inzala kwi-mortgage eqinisekisiwe kwikhaya lakho leprayimari, kungekhona ikhaya leholide onokulondoloza kwindawo efudumalayo.
Ngokucacileyo enye yezo utshintsho eziya kubachaphazela abaninzi abazuzayo, kodwa kubanjwe nale ncitshisiwe echaphazelekayo enokuchaphazela intsapho engenayo engenayo phakathi ...
Ngaba Uchitha Inzala kwiNgxowa-mboleko?
Inzalo yokubanjiswa kwemithwalo yemali esetyenziselwa ukugqithisa kokubili ityala lokufumana- iimali-mboleko ezithatyathwe ukuthenga okanye ukwakha ityala lekhaya kunye nelungelo lokulingana , njengokuba uhlaziywa kwaye uthabathe imali ephuma kwikhaya lakho ukuba uchithe kwezinye izinto, ezifana nomntwana wakho kwimfundo yeekholeji. Umthetho-mali otsha werhafu uqeda ukuhlulwa kwetyala lokulingana, ngoko awuyi kuphinda ubhale inzala kwimali-mboleko yokuhlaziywa kwerhafu.
Ngaba Utshitshise iRhafu yeeNdawo kunye neNgingqi?
Emva koko kukho umbandela weerhafu kunye neendawo zendawo. Ukutshintshwa kwesi senzo kubangele ukuphazamiseka kwabemi kunye namalungu omthetho ngokufanayo kwiiveki ezikhokelela kwinqanaba lebhili yokugqibela.
Ngesinye isikhathi, ukutsalwa kweentlawulo zelizwe kunye neendawo zengeniso yendawo yokuqhawulwa kwintlawulo, kodwa akusikho loo nto. Kwasinda ukuphinda ... Uhlobo. Inani elipheleleyo onokulifumana kuzo zonke iirhafu zaseburhulumenteni kunye nezendawo , kuquka ukuthengisa, ingeniso, kunye neerhafu zepropati, ngoku i-$ 10,000. Oku kuya kuba nefuthe elichaphazelayo abachaphazeli berhafu abahlala kwilizwe elinempahla ephezulu kunye neerhafu zerhafu, ezifana neNew Jersey neNew York. Ukuba uhlawula (kwaye uyanciphisa) ngaphezulu kwe-10,000 000 ngonyaka kwiirhafu zengingqi kunye neendawo, ungaphelela ekupheleni komthetho-mthetho.
Ngaba Unayo Iimali Zonyango?
Ukutsalwa kweendleko zonyango ngokuqinisekileyo kuphucula phantsi komthetho omtsha. Le ntsalela ihlanganisa i-e-pocket engenayo iindleko zonyango, ama-deductibles, i-pay-coa, kunye nama-premium angabhawulwa ngumqeshi wakho. Ukususela ngo-2017, wawunqunyelwe ukuba uthathe isithintelo kuphela isahlulo sale ndleko esedlula iipesenti ezili-10 zomvuzo wakho oyingcipheko-isithintelo esihle kakhulu. Oku sele iyancitshiswe kuma-7.5 ekhulwini, ngoko unako ukuhlamba imali encinane kwintlawulo yakho engenayo.
Omnye wenenamankulu, uSusan Collins waseMaine, walwa ngokukodwa nzima kulolu lungiso. Ucatshulwe esithi, malunga nama-8.8 yezigidi zabantu baseMerika bathi le ncitshiswa, kwaye ininzi yabo ifumana ngaphantsi kwama-50,000 ngamawaka. Ingqungquthela yeNdlu yokuqala yebhiliki ifuna ukuphelisa ngokupheleleyo ukutsalwa kweendleko zonyango, kodwa uColl wayinqobile ekuloleni kwakhe ukuyigcina kwaye ngokwenene yakwazi ukunyusa.
Ngaba uhlawula i-Alimony?
Olu tshintsho lubonakala lungalunganga kuba abahlawuli berhafu abachaphazelekayo akufunekanga ukuba bafune ukubanjiswa. Kwakuyi-"ngaphezu komgca" uhlengahlengiso kwimali engenayo kwiphepha 1 leFomu 1040. Unokukrazula iintlawulo ze-alimony ukusuka kwingeniso yakho ehlawulwa irhafu apho, ngoko-ke ubangole ukuchithwa okuqhelekileyo okanye ukukhutshulwa kwakho. Okwangoku, i-ex yakho yayifanele ifune ukuba i-alimony njengengeniso kunye nokuhlawula irhafu kuyo.
Hayi kwakhona. Ngoku awukho nje kuphela ukuhlawula yakho yangaphambili, kodwa kufuneka ukhokhe irhafu kweso sabelo semali yakho engenayo, kwakhona, phantsi kwemiqathango yerhafu yeerhafu entsha. Ngokubhekiselele kwi-ex yakho, ufumana ukuqokelela loo ntlawulo engenarhafu. Ukuba kukho nayiphi na iindaba ezilungileyo kukho konke, okokuba utshintsho luya kusebenza kuphela kwizivumelwano zomtshato kunye nezivumelwano zomtshato ezigqitywe emva kweDisemba 31, ngo-2018. Ngoko ukuba umtshato wakho usematyeni, unokufuna ukuphuma ngoku.
Impembelelo Yabo Abalahlekileyo Ukuxolelwa Kwimizalwane
Ukuxolelwa komntu siqu kuye kwagqitywa ekugqityiweyo kwinguqu yokugqibela yerhafu yeerhafu, njengoko kwakucetywayo kwiinguqulelo zokuqala zebhili-mali, kwaye oku kuya kubetha iintsapho ezinkulu. Ukuxolelwa komntu ngokwawo ngamaxabiso edoli ukuba abahlawuli berhafu banokukrazula kwiimali zabo ezihlawulwayo kunye nabo bonke abaxhomekeke kubo-$ 4,050 ngomntu ngamnye ngonyaka werhafu ka-2017.
Kuyacetyiswa ukuba abahlawuli berhafu abangenawo abantwana abanokuthi baphume phambili ngaphambili nangaloo tshintsho. Emva kwakho konke, balahlekelwa ngu-$ 4.050 kuphela wokukhululwa kwabo abaye bakwazi ukufaka izicelo zabo, ezikhutshwe ngulo kunyuswa kwezinga eliqhelekileyo.
Kodwa kuthekani ukuba utshatile kwaye unabantwana abathathu? Yiyo yonke imiphumo emihlanu enokuthi uyifake kwi-tax tax return phantsi komthetho werhafu endala-ukufaka imali engaphezulu kwama-20,250 engaphezulu kwerhafu oyakufuneka uyihlawule irhafu phantsi komthetho omtsha. Akunakwenzeka ukuba ukuchithwa komgangatho okwandisiweyo kuzakuphelisa ukulahleka okunjalo ngenxa yokuba ezo zithintelo zikhula nge-8,450 yeeNtloko zeefayili zezindlu kunye ne-11,000 yezigidi kubazali abatshatileyo abafakela ngokubambisana. Ukulahlekelwa ukuxolelwa kwabaxhomekeke kubini babeza kubeka intloko yeefayile zasemakhaya emngxeni, kwaye ukulahlekelwa kwemiphumo emithathu kwakuyi-tank abazali abangatshatanga. Ngokuqinisekileyo, oku kuya kulungelelaniswa ngandlela-thile yerhafu, kodwa kusenokwenzeka ukuba iintsapho ezinkulu ziya kugcina ziza phambili.
I-Increded Child Tax Credit
Iziko kwiBhajethi kunye neMigqaliselo yePolisi iye yabhikisha utshintsho kwiNkcazo yentlawulo yabantwana kwasekuqaleni. Ephezulu, utshintsho lubonakala luvulekile. Akunjalo, utsho i-CBPP, ubuncinane kungekhona kwiintsapho ezifumana imali engaphantsi.
Le ngxowa-mboleko yerhafu ihlale ikhohlakele ukubala. Ngokwenene, ayikho imali ehlawulwayo ngoko yonke into engayenzayo yayikuphelisa nayiphi na imali ehlawulwa yerhafu onokuyifumana. Kodwa kukho i-Tack-on-I-Income Tax Tax yabantwana. Oku kuya kuvumela inxalenye yesikweletu ukuba ibuyiselwe imali, oku kuthetha ukuba emva kokususa ibhilikhi yakho yerhafu, unokulindela ukufumana isheke kwi-IRS enye inxalenye yokulinganisela.
Inxalenye engayikhokhwanga yerhafu yexesha elidala yerhafu yayiyi-$ 1,000 ngomntwana. I-amps entsha yerhafu yeerhafu ezifikelela kwii-2,000 zamawaka kwaye yenza i-$ 1,400 yaloo mali inokubuyiselwa ngelixa iphelisa "eyongezelelweyo" eyongezelelweyo Intlawulo yeNtlawulo yabantwana. USenator uMark Rubio waseFlorida utyalwa ngokunyanzelisa i-$ 1,400 i-provisional, kodwa i-CBPP ithi isakwazi ukunikela naluphi na uncedo kwizizalwane zaseMerika ezimbi kakhulu.
Ngoba? Ngenxa yokuba inxalenye ehlawulwayo yekhredithi yi-15 ekhulwini yomvuzo womntu ohlawula irhafu okanye intsapho ngaphezu kwe-3,000 ukuya kwi-$ 1,400 umda. Uyabona apho oku kuhamba khona: Sibuyela kwakhona kwipesenti. Umama ongatshatanga i-$ 10,000 unomvuzo ongaphantsi kweedola ezingama-3 000 kunokuba intsapho enomvuzo ophakathi efumana i $ 50,000. Enyanisweni, akanako imali engenayo yokwenza imali epheleleyo ye-$ 1,400 ehlawulwayo.
Okwangoku, iindwendwe eziphezulu ezifumanekayo zingenakukwazi ukubiza le ntengo yemboleko ngenxa yokuba izuze kakhulu, kodwa i-bill bill entsha iyandisa imilinganiselo yengeniso ukwenzela ukuba ngoku abaninzi abanokufumana umgangatho ophezulu baya kuba nako ukuyisebenzisa.
Akunjalo
Le miyalelo embalwa yerhafu eguqukayo phantsi komthetho omtsha. Kwaye kukho enye enye inguqu ephawulekayo phakathi kohlobo lokuqala lwebhilikhi kunye neenguqu zokugcina ezagqitywa yiNdlu kunye neSeti: UMthetho weCandelo loNgeniso lweMali kunye neSebenzi alisigxina.
Amalungiselelo amaninzi acwangciselwe ukuphela okanye "ukushona kwelanga" ngoDisemba 31, 2025 ngaphandle kokuba iCongress iqhube i-shirt yabo kwakhona kwakhona kwaye ivuselele kwakhona okanye ikhuphe i-bill entsha entsha yerhafu ngeli xesha. ISikhulu soMgaqo-nkqubo weRhafu sixwayisa ukuba ngaphezulu kwama-10 ekhulwini aseMelika bangalindela ukuba iifayili zabo zerhafu ziphinde kwakhona emva kwe-2025 nangona zifumana ukukhululeka kwerhafu phakathi kwexesha elide, becinga ukuba imimiselo ivumelekile ukuba ilanga. UMthetho weCandelo loNgeniso lweRhafu kunye neMisebenzi kulindeleke ukuba uhlawule urhulumente malunga ne-1.5, 1.5 trillion kwimali engenayo, kwaye ngokucacileyo akulondolozi ixesha elide.
Ngoko yima uze ulungele ukubuyela kwakhona kulo mbandela kwakhona iminyaka eyisibhozo.