Inzala yomhlala-mboleko (ngamanye amaxesha) Ichithwa
Ukuba usebenzisa imali "yokuphucula okukhulu" kwikhaya lakho, ukuncitshiswa okuncinci kusenokufumaneka.
Kwiminyaka Yentela 2017 nangaphambi
Imboleko ingakunceda uthenge ikhaya (okanye ubolekise kwipropati osukhona), kwaye mhlawumbi inokubonelela ngeentlawulo zerhafu. Inzala oya kuhlawulwa ingahlawulwa, kodwa ungagqiba ukuboleka nje ukuze ulondoloze kwi-1040 yakho - kukho iipolumu kunye neminye imikhawulo enokunciphisa okanye yokuphelisa ngokupheleleyo amandla akho okurhola inzala.
Eli phepha liquka izikhokelo eziqhelekileyo, kodwa imithetho yerhafu iyinkimbinkimbi yaye ihlala ishintsha. Qinisekisa iinkcukacha uze uthethe nge-preparator yerhafu ngaphambi kokuba uthathe inqununu.
Ukutshitshisa Inzala
I-IRS ivumela ukuncitshiswa kwentlawulo ehlawulwe ngemboleko egcinwe kwikhaya lokuqala okanye lesibili. Oku kuquka iimali-mboleko eziqhelekileyo ezisetyenziswayo:
- Ukuthenga iimali-mboleko (imali yakho yokuqala yokuboleka imali xa uboleka imali ukuthenga indlu)
- Imali-mboleko yemali yasekhaya (eyaziwa njengesibili-mboleko), enika imali-mali
- Imigangatho yokulingana kweentengo zemali, evumela ukuba uchithe ukusuka kumgca wesikweletu
Ukuncitshiswa kunokukwenza ukuba loo mboleko ingabibizi, kwaye iyakutyalela izicwangciso ezithile ezifana nokuhlanganiswa kwetyala (ngokukhawuleza umdla owuhlawulayo uhlawulelwa irhafu - kungekhona nje ngeendleko). Nangona kunjalo, kukho imida ekungeneni kwakho ukukrazula, kwaye xa unako ukutsala.
Ngokuqinisekileyo, usebenzisa indlu yakho njengesibambiso xa ufumana imali yesibini yokuthenga imali, oko kuthetha ukuba umboleki-mboleko angakwazi ukubeka ingqekembe ekhaya lakho xa ungenzi iintlawulo . Ukusebenzisa loo mali nayiphi na ngaphandle kweendleko ezinxulumene nekhaya kuthetha ukuba ungeze ingozi apho bekungekho ngaphambili.
Ikhaya lokuqala okanye lesibini: ukuxothwa akusiyo abatyalo-mali abanamakhaya amaninzi. Ukuze ufaneleke, umboleko kufuneka ube "kwikhaya lakho lokuqala okanye lesibili". Ukuba uqeshisa ipropati, yabelane ngayo, okanye uyisebenzise njengeofisi, ukutsalwa kwakho kunokuchaphazeleka.
Inkqubo yokubolekisa ngemali : mboleko yakho kufuneka ikhuseleke ngekhaya lakho. Hlola nge-IRS ngeenkcukacha, kodwa ngoku oku kuthetha ukuba umboleki wakho unelungelo lakho kwikhaya kwaye unokubhenqa kwangaphambili xa ungaphumeleli ukuhlawula. Ukongeza, kufuneka udibane nenye yeendlela ezilandelayo:
- Ityala livela ngo-Oktobha 13, 1987 okanye ngaphambili (eyaziwa ngokuba yi-"grandfathered"), okanye
- Ityala lisetyenziselwe ukuthenga, ukwakha, okanye ukuphucula ikhaya lakho, kwaye inani elipheleleyo letyala lingaphantsi kwe-1 million yezigidi
- Ityala alizange lisetyenziselwe ukuthenga, ukwakha okanye ukuphucula ikhaya lakho, kwaye inani elipheleleyo letyala lingaphantsi kwe-$ 100,000
Kwezinye iimeko, njengokuba utshatile ukufakela ngokwahlukileyo, ixabiso liyancitshiswa.
Ayikho i-shams: i-IRS ithi "Bobabini kunye nomboleki makangenjongo yokuba iboleko libuyiselwe." Oku kuya kuphelisa iiplani apho zizama ukusebenzisa ukuthengiswa kwempahla ukuze ugcine kwiirhafu.
Ngokomzekelo, awukwazi "ukuboleka" kwilungu losapho, ukukhupha umdla, uze ukhohlwe ngetyala-umboleko kufuneka usebenze njengento yokuthengiswa kwengalo yangempela.
Imali-mboleko yokwakha: ukuba uyakha indlu, le ncitshiswa ingakunceda ukunciphisa iindleko zakho kumboleko wokwakha . I-IRS ikuvumela ukuba uphathe indlu ekwakhiwa njengekhaya elifanelekayo ukuya kwiinyanga ezingama-24 ngelixa uhlangabezana nemigangatho ethile.
Imida
Ixabiso leDolali: njengoko kuboniswe ngentla, inzalo ethathwa kwi-loan equity loan yakho ayinomkhawulo. Umda uphezulu ngemali esetyenziswa ukuthenga, ukwakha okanye ukuphucula ikhaya lakho. Kubantu abaninzi, okusebenza kakuhle. Nangona kunjalo, ukuba usebenzisa imali ngenjongo ethile (njengemfundo ephakamileyo, ukuhlanganiswa kwetyala, okanye enye into), ukhonjiswe kwi-100,000 yamatyala. Qaphela ukuba iipolumu zibhekisela kubukhulu bemboleko - kungekhona inani lemali ohlawula ngayo unyaka ngamnye.
Intela encinane yerhafu (i-AMT): ukuba ulawulwa yi-AMT, unokubona okunye ukulinganiselwa. Ngokuqhelekileyo, ukuncitshiswa kunceda xa usebenzisa imali ukuthenga, ukwakha okanye ukuphucula ikhaya lakho.
Ukuncitshiswa kweemali: ukutsalwa kwenzala yemali efunyenweyo kufumaneka kuphela xa uthetha, kwaye abantu abaninzi abayithandi. Kungcono kakhulu ukuba uthathe ixabiso elincinci elifumanekayo - ukuba ukutsalwa kwakho kumgangatho ongaphezulu kunokuba ungayifumana kwi-itemizing, iindleko zakho zokuthenga umhlala-mboleko zingenakunceda naziphi na iintlawulo zerhafu. Ukuba awuqinisekanga ukuba uyayifumana, khangela ukuba ufake iShedyuli A. Ukufumana ngaphezulu kwexabiso lakho lokunciphisa, unokufuna umboleko omkhulu okanye ezinye iindleko zokuncedisa (njengeendleko zonyango eziphezulu, umzekelo).
Ukuxothwa akukho ityala: abanye abantu badibanisa ukuncitshiswa kweerhafu kunye neengxowa zerhafu. Ukuncitshiswa kunceda ukunciphisa inani lemali engenayo esetyenzisiweyo ukubala iirhafu ezifanelekileyo. Ikhredithi iyinciphisa idola-ye-dollar kwinto omele uyenze ngayo. Ukuncitshiswa kuya kunciphisa ngokuthe ngqo umrhumo wakho werhafu, kodwa akusiyo inamandla njengetyala lentlawulo.
Unokumangalela kangakanani?
Ukuba ubolekele ukulingana kwindlu yakho kwaye ufuna ukwazi ukuba unomdla onjani ukuwuhlawula, cela umboleki wakho. Kufanele ufumane ifomu 1098 ngeenkcukacha malunga nomdla wonyaka.
Yenza umsebenzi wakho wasekhaya
Ukumangalisa ukuncitshiswa ngokungafanelekanga kuyinkathazo: kunokukhokelela kwizigwebo zerhafu kunye neerhafu zemali ezivela kwi-IRS. Qinisekisa zonke iinkcukacha malunga nemeko (kunye nemithetho yerhafu yangoku) ngokufunda i-IRS Publication 936. Khumbula ukuba imithetho yerhafu iyinkimbinkimbi, kwaye izinto zitshintshile ekubeni le ngxelo ibhaliwe. Thetha kunye ne-preparator yerhafu eyazi kakuhle iinkcukacha zemboleko yakho ukuphepha zonke iingxaki.
Qaphela: Kwakhona, le ntsalela ayifumanekanga emva komnyaka werhafu 2017. Eli nqaku libhekisela kwimbali yembali kuphela.