Kufuneka uchithe iinqununu ukuthabatha inzala
Njengokuba kunjalo, unokuba usenokubakho ikhefu okanye i-motor home njengekhaya, okanye ikhaya lesibini, ngoko ke inzala yempahla yinto enokubanjiswa kwerhafu.
Ngezansi imigaqo esebenzayo ukufumana ilungelo lokunciphisa inzalo.
NgokweMali Yakho Imali Inomdla Okufunekayo Ukuhlawulelwa Intlawulo Kufuneka Unikwe
- Ukuncitshiswa kwe-Form kwi-Form 1040 xa ufaka iirhafu zakho.
- Mhlawulwe ngokusemthethweni ityala (oku kuthetha ukuba umboleko kufuneka ube negama lakho kuwo).
Ukuba udibana neendlela zokubaluleka ngentla apha unako ukurhola inzala ehlawulwe ukuya kwi-1 million yezigidi zemali. (Qaphela: ukuba uthetha imali yakho ngaphambi komhla ka-Oktobha 13, 1987, lo mda umda awusebenzi).
Imali eyi-1.1 yezigidi yezigidi isahlukileyo idilizwe zibe ngamacandelo amabini ngolu hlobo lulandelayo:
- Unokubamba inzala ehlawulwayo ukuya kwi-1 million yezigidi zemali esetyenziselwe ukuthenga, ukwakha okanye ukuphucula ikhaya lakho.
- Unokubamba inzala ukuya kwi-100 000 ye-debt mortgage eyayisetyenziselwa injongo ngaphandle kokuthenga, ukwakha okanye ukuphucula ikhaya lakho.
Imida engentla ichaza ukuba xa uboleka i-$ 200,000 kwikhaya lakho ukuba ubeke abantwana bakho kwikholejini, kuphela inzala yokuboleka imali kwi-$ 100,000 yokuqala iya kutsalwa ngenxa yokuba imali yayingasetyenziswanga ukuthenga, ukwakha okanye ukuphucula ikhaya lakho.
Nangona ufumana irhoxiso yerhafu, ungathathi umboleko wokuhlawula irhafu .
Endaweni yoko, cinga ngokuncitshiswa kweerhafu njengekhefu "elongezelelweyo" ongayifumana into onokuyifumana - kwaye ingazithenga - nangona bekungekho ncitshiseko yentlawulo ebandakanyekayo.
Inzala yomhlalaphantsi kwimoto yakho okanye kwisikhephe
Ikhaya lichazwe yi-IRS njenge "indlu, ikhondomu, intsebenziswano, ikhaya elihambahambayo, i-trailer yezindlu, isikebhe, okanye ipropati efana nayo elele, epheka, nakwiindawo zangasese."
Oku kuthetha umdla owuhlawula ngemboleko ukuze ufumane i-home motor okanye isikebhe ehlangabezana neempendulo ezi ngasentla zichithwe irhafu. Oku kuhle, kodwa kwakhona, ukuxothwa kwentela akusiyo isizathu sokuthenga ezi zinto.
Inzala yomhlalaphantsi kwikhaya eliphambili kunye nekhaya lesibini (elinokuba sisikhephe okanye i-home home) lingahluthwa ukuba zombini imali yokuthenga imali iwela phantsi kwemida engama-dollar ngasentla, kwaye nje kuphela ukuba imizi emibili idibene nencazelo ye-IRS ekhaya. (Ukuba kukho ikhaya eliqeshwe ngaphandle, nangenxa yenye inxalenye yonyaka, kunokubakho izithintelo eziya kunciphisa amandla akho ekudambiseni inzala yomhlalaphantsi.)
Ukufumana imigaqo ecacileyo yibona i-IRS Publication 936.
Ukufumana Uninzi Ngaphandle Kwemali Yakho Inzuzo Yokukhupha
Ukuba awuyi kuhluthwa i-deductions awufumani inzuzo yerhafu yokuhlawula inzala yomhlalaphantsi.
Nangona ukuba inzala yakho yerhafu ichithwe, kwiimeko ezininzi ukuncitshiswa akunakukubonelela ngenzuzo enkulu njengoko ucinga. Ngokomzekelo, uya kufumana ukutsalwa okuqhelekileyo kungakhathaliseki ukuba. Ngo-2017 ukutsalwa okuqhelekileyo kwesibini esitshatileyo yi-$ 12,700. Ngaphantsi kwemithetho yerhafu entsha, ukuchithwa okuqhelekileyo kwe-2018 kuya kufikelela kuma-24,000 kwiibhangqa.
Cinga ukuba uthathe inzuzo kwiminikelo yokuncedisa kunye neerhafu zorhafu ezihlawulwayo ezidibanisa ukuya kwii-8,000 zamaRandi, kwaye unomdla wokuthenga imali ka-8,000.
Ukuncitshiswa kwakho kwimivuzo eyi-$ 16,000, eyi-3 400 kuphela ngaphezu kwexabiso elichithwayo. Kule meko, inzala yomhlala-mboleko ihlinzeka ngemali engama-3 400 eyongezelelweyo yokuncitshiswa ngaphaya kwexabiso lakho lokuncitshiswa. Kwi-25% yezinga elincinane elilondolozayo i-$ 850 kwiirhafu zombuso.
Ukuba wenza i-deductions, njengoko ibhalansi yakho mboleko iyancinci uya kuhlawula inzala encinane, kwaye inzuzo yerhafu oyifumanayo kwimithwalo yemboleko yemali iya kubancinci ngonyaka. Njengoko usondelelene nomhlalaphantsi, qaphela oku, njengoko ukutsalwa kwenzala yomhlalaphantsi kungaphantsi komhlala phantsi ngenxa yokuba ne-balance balance loan. Njengoko ibhalansi iyancipha, awufumani nzuzo enkulu ekunciphiseni umdla. Ukuba unako ukugcina ukwenza oko kuya kunengqiqo ukuhlawula umboleko weminyaka embalwa ekuqaleni .
Ukuba uceba ukwenza iintlawulo ezongezelelweyo kwi-mortgage yakho, khumbula nayiphi na enye intlawulo eyenziweyo ngaphambi komnyaka-mali iya kunyusa umyinge ohlawulwa ngawo kunyaka okhoyo, kwaye ukwandisa ukunqunyulwa okukuyo kunyaka okhoyo.
NGAPHAMBILI: Ulungelelaniso lwerhafu lwango-2018 olwenziwe yiCongress lwenza utshintsho olunzulu kumlinganiselo ochithwayo, iibhakhi zerhafu, kunye nezinye izinto kodwa ukutsalwa kwenzala yomhlalaphantsi kuhlala. Nangona kunjalo, kunye nomyinge ophezulu wokunciphisa umnxeba, thetha kwingcali yerhafu malunga nendlela oku kuya kuchaphazela ngayo ukubuyiswa kwakho kwe-2018.