Ngaba kukho naziphi na izithabathasi zentlawulo onokuyithatha inzuzo?

by Beverly Bird

Ezinye izikhelo ezincinci kwiKhowudi yeRhafu zingakuLondoloza iMali

Buza abantu abahlanu ukuba yintoni umrhumo werhafu kwaye mhlawumbi uya kufumana iimpendulo ezihlanu. Ngaba ikhefu lentela? Hayi ... uhlobo, kodwa kungekhona ngendlela ecacileyo. Ingaba igalelo ligcina imali yabakhokhi berhafu? Phantse njalo xa bekwazi ukuyisebenzisa kwaye ukuba bafanelekile. Ngaba iya kufumana irhafu ku rhu lumente? Hayi, kwaye kukho ihlazi.

Ngokwenene, irhafu yerhafu yinkqubo ekhupha imali kurhulumente. Iingxowa zidlalwa njengengingqi yeenkampani kunye nehlabathi lezoshishino, kodwa kukho ezimbalwa ezifumanekayo kumhlawuli werhafu ngamnye. Ziyimthethweni ngokusemthethweni-zincinci, ezikhethiweyo ezikhethiweyo kwikhowudi yentela, izinto ezinokubonakala zimnyama nomhlophe phezu komhlaba kodwa ziyakwenza ukuba uhambe "Hmm ..." xa uthatha ukhangele.

Njengomhlawuli werhafu, kukuya kuwe ukuchonga nokuwasebenzisa. INkonzo yeNgeniso yangaphakathi ayikukuphepheli kwifabhethi kunye ne-whisper, "Psst! Khangela ukuba uza kusindisa ntoni kwiirhafu ukuba uyisebenzise le nkonzo! "Nazi ezinye izinto eziqhelekileyo ezingasetyenziswa kwiimeko zakho zerhafu.

01 INqanaba leNkunzi yeNgeniso yeNtlawulo

Intlawulo yexabiso lentengo yinto ekufuneka uyihlawule xa uthengisa ixabiso lezinto ezingaphezulu kwesiseko sakho kuyo-into oyihlawulayo kunye neendleko ezithile ezenze igalelo ekuphuculeni okanye ekuthengiseni. Ingeniso yakho yohlukwano phakathi kwexabiso lokuthengisa kunye nesiseko sakho kwaye libikwa kwiFom 1040.

Ngoko kutheni le nto ithathwa njengento ephakamileyo? Into efuneka uyihlawule , akunjalo? Ewe, kodwa ixabiso lentlawulo yexabiso lentlawulo liphantsi kunezinga apho ingeniso yakho yerhafu irhafu. Ukuba ufumana ininzi okanye enye yemali engenayo evela kutyalo-mali , uya kuhlawula irhafu encinci kunokuba ungayenza ukuba yonke imali yakho engenayo ivela kwingqesho okanye emsebenzini.

Ixabiso lentengo yexabiso eliyinkunzi lilinganiselwa kuma-15 ekhulwini kwiininzi zexesha elide elininzi kwinkokhelo yabarhafi. Thelekisa loo nto umntu ofumana imali engama-80,000 kwiholo eliqhelekileyo uza kuhlawula: iipesenti ezingama-22 ngo-2018, iipesenti ezi-7 eziphezulu.

Ngoko ukuba unayo isakhono kunye ne-finesse, ungathengisa kwaye uthengise phantse naziphi na ipropati zokuhlala kwaye uhlawule irhafu encinci kunokuba usebenze kumsebenzi wendabuko. Ikomidi elidibeneyo leRhafu liqikelela ukuba le nto ibiza urhulumente weburhulumenteni malunga ne-$ 457 yezigidigidi ukusuka ngo-2011 ukuya ku-2015.

02 I-Home Mortgage Interesting deduction

Ixabiso lokunciphisa umhlala-mali ekhaya libiza iRhulumente ngaphezulu nangomhla ukususela ngo-2011 ukuya ku-2015: ingqikelelo engama-464 billion. Ixabisa malunga namaRandi ayizigidi ezingama-69 ngonyaka we-2017 wonyaka wezimali. Oku kusenokwenzeka ukuba ukuxothwa kwakuyinto ebalulekileyo njengoko iNdlu yabaBameli kunye neSeti yasetyenziswa ekugqityeni uMthetho weCandelo loNgeniso lweMali kunye neMisebenzi ngasekupheleni kuka-2017.

Nangona nabani na ohlawula umboleko kwaye ngubani ofuna ukuhlawula ixabiso lakhe unokuthi ibango linye, umda uhlala uthanda abacebileyo. Abo banokukwazi ukufumana iindleko eziphezulu, izindlu ezibiza kakhulu zihlawula ngakumbi kwi-interest interest mortgage ngenxa yokuba inzala isekelwe kwipesenti yemali exhaswa ngemali. Ngoko abahlawuli berhafu abaneemali-mortgages banokubangela imali eninzi kwiimali zabo ezihlawulwayo, kodwa oku akunjalo kumntu ongenamvuzo ophantsi. Unokuba uhlambe i-$ 2,500 ngonyaka okanye ngaphezulu kwiholo lakho elihlawulwa irhafu xa uthengela indlu kunye nokubanga le ncitshiswa, kodwa nje ngamakhulu angama-dollar ngonyaka xa unako konke ukukwazi ukufumana i-bungalow.

Okwangoku, konke kudibanisa kwiirhafu ezininzi i-IRS ayiqokeleli kubahlawuli berhafu abakhulu kunabo bonke. Bafumana ikhefu elihle elihle lokurhafu nje ngokuhlala kwiindawo ezinobungqingili, into ebenokuyenza. Kodwa usadinga ukuphahla intloko yakho nangona uhlala kwikhaya elincinane kakhulu, ngoko unokunciphisa imali engenayo engenayo imali ngokuthenga indlu kunokuqesha.

03 IiNtsholongwane zeNtshurensi yeMpilo ehlawulwa ngumqeshi

Emva koko kukho ezo ntlawulo ze-inshorensi zempilo ezihlawulwa ngumqeshi wakho. Ukubonelelwa kweerhafu kwezi ntlawulo kuxabisa urhulumente weburhulumenteni malunga ne-$ 210 yezigidigidi ngo-2016 kunye nama-dollar ayi-221 yezigidigidi ngo-2017.

Ukuba ngaba i-perk yengqesho yakho, inembuyekezo ... ngendlela. Emva kwakho konke, ukuba umqeshi wakho akazange awanike ezi ntlawulo, kufuneka uphume ephaketheni kubo, akunjalo? Kodwa kukho ukubamba. Awuhlawulwanga kubo. Awunayo ukubiza ibango labo njengeniso.

Ilungile lo nto. Ngokomgaqo werhafu, iintlawulo zempilo ezihlawulwa ngumqeshi azikho imali engenayo yerhafu kummkeli. Ngoko ukuba ungumsebenzi wokuzingela kwaye unokhetho phakathi kwemali ephezulu kwaye akukho zibonelelo, okanye iintlawulo ezincinci kunye neenzuzo, unokufuna ukucinga ngoku. Ezi zibonelelo ziza kuwe zihlawulelwa irhafu.

04 529 IziCwangciso zoLondolozo lweekholeji

Ezi zicwangciso zindlela enkulu yokugcina iindleko zeekholeji zezingane zakho. Icandelo 529 yekhowudi yentlawulo ye-federal ikuvumela ukuba ulandele imali kulolu hlobo lwesicwangciso sotyalo-mali lwemfundo kunye nemali yakho iya kukhula ngaphandle kweerhafu. Ukuba utshatile, wena kunye neqabane lakho nonke ningenza umrhumo ohlukeneyo ngamnye kubantwana benu, ngoko ke loo mnikelo kunye nemali yabo yokugqibela iyakongeza.

Akukho mda wenkxaso-mali malunga nokuba ungaphila, ngoko ke le nto ingaphezulu yerhafu yombuso nangona iCandelo 529 yekhowudi yentlawulo yomgaqo-nkqubo inika imigaqo emininzi yezi cwangciso. Umntu ngamnye ubeka isigqibo sokuba unako ukunikela unyaka ngamnye. Masithi kungama- $ 4,000 ngomntwana apho uhlala khona. Wena kunye neqabane lakho nifake i-$ 4,000 kwisicwangciso seJunior ukuya kwikholeji. Oku kuya kukufumana inkokhelo yentlawulo ye-$ 8,000 kwi-state joint joint return.

Oku kuhle kungakhathaliseki ukuba uyayibheka njani, kodwa qwalasela oku: Unokwenza umrhumo ngoMvulo uze uthathe imali emva koko ngoLwesibili kwiindleko zemfundo ezifanelekayo zeJunior. Yabona into oyenzile? Ngokuhambisa imali ngo- 529 isicwangciso sokulondoloza ikholeji kunokuqala ukuhlawula isikolo ngokuthe ngqo, uzuze i-$ 8,000 yekhefu kwiirhafu zakho zombuso.

05 Iingeniso zeBusiness Based Based Business

Ukuba uke wacinga ngokuya kwishishini ukuba ube ngumnikazi wedwa, unokufuna ukuqwalasela iintlawulo zerhafu xa ulinganisa ingozi. Ziquka ezinye iingubo ezingabonakali ezifanelekileyo kubantu abaqashiweyo kodwa ezinokuba luncedo kubo abo bazibetha ngokwabo.

Masithi u-Edna noYohane bahlala emnyango omnye komnye. Imithwalo-mboleko yabo ifana nayo, mhlawumbi i-$ 1,500 ngenyanga kuquka inqununu, inzala, irhafu kunye ne-inshurensi. UJohn usebenzela omnye umntu. Akagcini iofisi ekhaya. U-Edna ungumcebisi ngokuzimela. Ugijimela ishishini lakhe ngaphandle kwendlu yokulala yasekhaya. U-Edna ufumana irhoxiso yerhafu kwiofisi yasekhaya kwiShedyuli yayo C, ifom yerhafu ebala imali engenayo yerhafu-inzuzo yayo yonke ingaphantsi kweendleko zeshishini ezivumelekileyo, kuquka ukuxothwa kwe-ofisi yasekhaya.

Ukuba iipesenti ezili-15 zekhasi lesikwerelo sasekhaya lika-Edna zinikezelwe kwi shishini lakhe, unako ukususa iipesenti ezili-15 zemithwalo yakhe yokuboleka imali, irhafu yakhe yepropati kunye nama-premium ayo. Ngokubhekiselele kwinxalenye eyintloko yalo mboleko, ufumana ikhefu apho, kwakhona, kuba unokubakho ukuhla kwexabiso lelo propati. Unako ukuhlawula iipesenti ezili-15 zokufudumala kwakhe, iindleko zamanzi kunye namanzi, kunye nantoni na achithayo kwiiofisi zeeofisi, ukuhamba, i-auto mileage, okanye ukuthengisa, phakathi kwezinye iindleko zoshishino.

Ufumana ntoni uYohane? Uya kufaka i-timeclock kumnye umntu. Akukho khetho lokuhlawula irhafu olufumanekayo kuye ngaphandle kweemeko ezikude kakhulu, njengokuba umqeshi wakhe ufuna ukuba asebenze ekhaya azuze inzuzo yomqeshi, kungeyakhe. Kwaye ke, kwafuneka afune ukubiza oko, okungenakukufumana inzuzo yakhe ngokubanzi.

Ewe, kukho imigaqo ehambelanayo. U-Edna akakwazi ukwenza nayiphi na into kuloo ndawo yepesenti ye-15 yendlu yakhe apho isebenza khona. Abantwana bakhe abakwazi ukubukela ithelevishini apho kwaye intsapho yakhe ayinakuyonwabela ukutya kwayo. Kumele asebenze ngokusemthethweni ishishini lakhe kuloo ndawo. Kodwa ukuba udibana nazo zonke ezi ziqinisekiso, unokusebenzisa inzuzo enhle yerhafu.

06 Imiphumo yoMthetho wokuThuthwa kweRhafu kunye neMisebenzi

UMthetho weCandelo loCwetho kunye neMisebenzi , ogqitywe ngoDisemba 2017, uchaphazela ezinye zezi ndawo, ubuncinci. Ayinayo impembelelo enkulu kwerhafu yenzuzo enkulu, kodwa i-TCJA ifake isikhwama kwi-interest interest deduction. Ngonyaka we-2017, isetyenziswe kwimali-mboleko ye-$ 1 yezigidi. Oku kunqunywe ku-$ 750,000. Ngoko ukuba unayo imali eyi-1 yezigidi zemali, unokuthi uthathe i-deduction kuphela ngamaphesenti angama-75 e-interest interest annay uhlawule ngo-2018. Kodwa umda wawunqunyulwa kwii-500,000 zamaRandi enye yeenguqulelo zangaphambili zebhilikhi zerhafu ezingapheliyo kudlula, ngoko abakhokhi berhafu bafumana ikhefu apho.

Ngokumalunga nalawo ma-529 amacebo okugcina iikholeji, loo nto yabuya ingcono phantsi kwe-TCJA. Ngo-2017, unokukrazula kuphela imali engenahla yerhafu ukuhlawula iindleko zekholeji. Ukususela ngo-2018, unako ukurhoxisa ukuya kwi-$ 10,000 ukuya esikolweni esiphakeme, isikolo sokuqala, okanye iindleko zokufunda ekhaya.

PHAWULA

Imithetho yentela iguquka rhoqo kwaye ulwazi olungentla lungabonakali utshintsho olutshanje. Nceda uqhagamshelane neengcali zerhafu malunga neengcebiso ezinokubakho ngokutsha ukuba ucinga ukwenza nayiphi iinguqulelo. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu kwaye ayikho enye ingcebiso yerhafu.