Ukuhlawula iMali-mboleko Inomdla inganciphisa iNgeniso yakho ehlawulwayo
Le mithetho yokwenza isicelo sokubanjiswa kwe-deduction isebenza ngo-2017.
Ukumangalelwa kweNkcazo yeMali yaseKhaya
Kufuneka uchithe iinqununu zakho kwiFomu 1040, iShedyuli A yokubamba inzala yomhlalaphantsi. Oku kuthetha ukuthatha ukutsalwa okuqhelekileyo kwimeko yakho yokufakela-yinto / okanye imeko. Unokwenza okanye unako okanye unokubanga ukutsalwa okuqhelekileyo kodwa awukwazi ukwenza zombini.
Ishedyuli A siquka ezinye iindleko ezithintekayo, nangona kunjalo, kubandakanywa irhafu yepropati , iindleko zonyango kunye neminikelo yokunceda. Ngamanye amaxesha zonke ezi zongeza ngaphezu kokuncitshiswa okuqhelekileyo kwimeko yakho yokufakela, okwenza ukuba ufanele ixesha kunye nomzamo wokuba uthathe inzuzo yakho. Ngaphandle koko, uya kulondoloza iirandi ezingaphezulu zerhafu ngokuswina ukwehliswa kwemithwalo yemali kunye nokutsalwa kwexabiso eliqhelekileyo endaweni yoko.
Ngokuqhelekileyo kucetyiswa ukuba uzalise iShedyuli A kwaye uqhathanise ubungakanani bemivuzo yakho ekuncitshweni kwakho ukufumana ukuba iyiphi indlela inenzuzo kuwe.
Ukususela ngo-2017, ukutsalwa okuqhelekileyo yi-$ 6,350 yabahlawuli berhafu abangabodwa kunye nabahlawuli berhafu abatshatileyo abafake iifayile ezahlukileyo. Kuyi-12,700 yezigidi kubahlawuli berhafu abatshatileyo abafake kunye kunye ne-9,350 yezikolo kwabo bafanelekayo njengenhloko yendlu.
Kodwa qaphela-uMthetho wokuThuthwa kweRhafu kunye neMisebenzi uzisa utshintsho kwi-deduction ejwayelekile, ukwandisa la manani kunoko ngokumangalisayo.
Kungenzeka kube nzima ukuba uza kuba neentlawulo ezaneleyo ngokubanzi ukugqithisa ukuchithwa okuqhelekileyo unelungelo lokuba umthetho otsha werhafu uqalise ukusebenza ngo-2018.
Ukufaneleka kweMali yokuThengisa iNzala
Inzala yomhlala-mali ngoku iquka oko uhlawula malunga nemali-mboleko yokuthenga ikhaya, kumigca yokulingana kwemali yesikweletu, nakwimali-mboleko yokwakha. Ingqungquthela yeSenethi ye-Tax Cuts and Jobs Act iya kunciphisa umda wokutsalwa kwetyala kuphela, kwaye iyakunqumla imigca yokulingana kwemali yekhredithi ekubeni ifanelekele le ncitshiswa.
Ukuncitshiswa kukhawulelwe kumdla ohlawulwayo kwikhaya lakho eliphambili kunye / okanye kwikhaya lesibini. Inzala ehlawulwe kumakhaya wesithathu okanye okwesine ayidaluctible.
Kumele ube ngowomthetho kwi-hook ye-mboleko-ityala alikwazi ukuba linye kwigama lomntu ngaphandle kokuba lingumlingane wakho kwaye uthumela ifayile yokubuyisana. Kumele kube yimboleko yemali ngokuqinisekileyo ukuba unesibophelelo sokubhatala. Ekugqibeleni, ikhaya lakho kufuneka lisebenze njengokhuseleko lomboleko kwaye amaxwebhu akho okubolekisa imali kufuneka achaze ngokucacileyo oku.
Ikhaya lakho lingahlala kwintsapho enye yokuhlala, i-condo, ikhaya elihambayo, intsebenziswano, okanye ikhephe-kakhulu nantoni na indawo "yokulala, yokupheka kunye neendawo zangasese," ngokubhekiselele kwi-Internal Revenue Service.
Ukuqaphela indlela enomdla oyithandayo
Kufuneka ufumane ifomu 1098, ingxelo yeNgxowa-mboleko ye-Mortgage, kwi-mortgage lender yakho ekuqaleni kwenyanga yerhafu entsha. Ifom ibika inzala epheleleyo oyihlawuleyo kunyaka odlulileyo. Akufanele unamathele ifomu kwirejista yakho yerhafu kuba isikhungo semali kufuneka sithumele ikopi yeFom 1098 ngqo kwi-IRS.
Qinisekisa ukuba ukuchithwa kwemithwalo yempahla oyibango kwiShedyuli A ifana nemali echazwe kwifom ye-1098. Imali ongayenzayo ingaba ngaphantsi kwexabiso elipheleleyo elivela kwifom ngokusekelwe kwimida ethile. Gcina Ifomu 1098 kunye nekopi yerhafu yakho yokubuyiswa kwentela ubuncinane iminyaka emine.
Iimali zeeDola kwiNkcazo yokuThengwa kwaseKhaya
Imali esetyenziselwa ukuthenga okanye ukwakha indawo yokuhlala ibizwa ngokuba "ityala lokufumana ikhaya." Ithenda ibhekisela kuyo nayiphi na imali mboleko oyithathayo ngenjongo yokufumana, ukwakha okanye ukuphucula kakhulu ikhaya elifanelekileyo.
Awukwazi ukurhola inzala ngaphezu kwe-1 million yezigidi zetyala lokufumana ikhaya lakho eliphambili kunye / okanye ukuhlala kwakho okwesibini ukususela ngo-2017. Inguqu yeNdlu yoMthetho wokuThuthwa kweRhafu kunye neMisebenzi iya kunciphisa oku ku-$ 500,000 ngo-2018 ukuba idlula. Umda ngoku uyancitshiswe kuma-$ 500,000 xa utshatile uze ufake ifayile .
Umda uhlala kwi-1 million yezigidi ngo-2017, nangona kunjalo, ngoko siya kusebenzisa le nombolo ngenjongo yokubonisa. Masithi uboleke i-$ 800,000 kwiindawo zokuhlala eziphambili kunye no-400,000 kwi-home yokuhlala yakho yesikolo. Zombini iitalenti zazisetyenziselwa kuphela ukufumana iipropati. Ngokubambisana, iimali-mboleko zongeza kwi $ 1.2 yezigidi, ezidlula umyinge we-$ 1 yezigidi zemali yokufumana ityala lokufumana ikhaya.
Ngoku masithi ukuba zombini iitalente zinomyinge we-interest rate of 5 percent. Inzala epheleleyo oyihlawulele kunyaka yayingu-60,000. Uyakwazi kuphela ukufaka isicelo sokubanjiswa kwenzala yemali ye-mortgage eyi-$ 50,000, loo nto inomdla kwi-$ 1 yezigidi zokuqala. I-R10 000 eseleyo yiphumo lexabiso lemali elidlulileyo elidlula umyinge we-$ 1 yezigidi ukwenzela ukuba unganakulibiza.
Imida kwiTyala leNkcazo yeMali yaseKhaya
Inkokhelo yelungelo lomzi ngumboleko owenzayo ngenxa yesinye isizathu kunokufumana, ukwakha, okanye ngokubanzi ukuphucula ikhaya elifanelekileyo. Ingaba ngumbolekiso owathathayo ukuphucula indawo yokuhlala, kodwa udlula umda weetyala lokuthengwa kwekhaya.
Awukwazi ukurhola inzala ngaphezu kwe-100,000 yee-matyala ezilinganiso ekhaya lakho kunye / okanye indawo yokuhlala yakho yesikolo. Lo mda uyancishiswa ube yi-$ 50,000 xa utshatile kodwa ufaka ngokuhlukileyo. Ukuncitshiswa kwakho kwenzalo yokulingana kwemali kunokuncitshiswa nangaphantsi kwele mali eyi-100,000 umda ukuba umboleko wakho udlula ixabiso lemarike elungileyo lekhaya lakho.
Kulo mzekelo, masithi uboleke imali eyi-300,000 kwi-home equity line ye-credit. Isixa obolekelwe asizange sidlule ixabiso lemarike elifanelekileyo lakho kwikhaya ukuze ulungile apho. Usebenzise imali eyi-150,000 yemali yokongeza igumbi elitsha lentsapho ekuhlala kuyo, kwaye uchithe i-$ 150,000 esele ekholeji yonyana wakho.
Ingxenye yomboleko iphathwa njengetyala lokufumana ikhaya ngenxa yokuba lisetyenziselwa ukuphucula kakhulu ikhaya lakho. Esi sabelo siya kuthotyelwa kwintlawulo yemali yokuthengwa kwetyala. Esinye isiqingatha siphathwa njengetyala lelinganiso zasekhaya ngenxa yokuba lingasetyenziswanga ukuphucula ikhaya lakho. Uyakwazi ukurhola inzala kuphela ukuya kumyinge we-100 000 weli candelo. Ngoko ekucingeni ukuba ukhokhe i-$ 21,000 engama-interest, iya kuphuka njengale:
- I-10,500 yeedola: Inkokhelo yokuthengwa kwekhaya ngokuchithwa ngokupheleleyo kwisiqingatha sokuboleka kwemali
- I-7,000 yeeRhafu: I-debt equityable home debt inxenye yesithathu ye-equity portion of the loan or $ 100,000 kwi-150,000
- I-3,500 yeeRhafu: Inkokhelo engekho edityanisiweyo yamakhaya emele inzala ehlawulwe kwingxenye yesikweletu semali esetyenziselwe i-$ 100,000
Uya kufuneka kwakhona ubike i-$ 7,000 kwi-IRS njengoluhlengahlengiso lwe-AMT kwifomu ye-6251. Khumbula, i-Senate inguqu yebhilikhi elandelelweyo yerhafu inokuphelisa ukuxothwa kwetyala lokulingana ukususela ngo-2018.
Amanqaku eNgxowa-mali
Ukuba ubamba ngokubambisana nomntu ongeyena umlingane wakho, unelungelo lokukhangela kuphela umdla owawubhadela wona ngaphandle kokuba ufumene iFom 1098 evela kumboleki. Kodwa kukho umda apha. Ababoleki-mali abenza iintlawulo ngokukhawuleza ukukhusela ukuchithwa kwemali kunokunyusa inzala ehlawulwayo nangona inzala yayifanele ihlawulwe ngumnye umntu. Abahleli be- JK Lasser's "Imali Yentlawulo Yentlawulo" idlula kule ngcebiso:
"Inkundla yentlawulo ivumele ukuba umbophelo odibeneyo ukuba athathe inkokhelo yakhe yesabelo somnye umbophelelo wenzalo yokubolekwa kwemali xa kuthe kwenziwa intlawulo yokuphepha ukulahlekelwa kwepropati, kwaye inkokhelo yenziwa ngemali yakhe eyahlukileyo." (Ikhasi 328)
Imali yoLwakhiwo lwaseKhaya
Unokubamba inzala kwimithwalo-mboleko yesetyenziselwe ukuhlawula iindleko zokwakha. Imveliso kufuneka isetyenziswe ekufumaneni umhlaba kunye nokwakhiwa kwekhaya. Iindleko ezenziweyo kwiinyanga ezingama-24 ngaphambi kokuba kuqulunwe inani lokuzalisa kumda we-1 million we-debt debt acquisition.
Kodwa kukho ukubamba. Ukuba unika inzala kumboleko wokwakha iminyaka emibili kwaye unquma ukuthengisa impahla ngaphandle kokungena kwaye uyisebenzise njengokuba uhlala kuyo, unokufuneka uphinde ubuyisele imbuyekezo yakho kwiminyaka oye wayithatha inzala ukuba uyichaze njengomdla endaweni yoko. Oku kunokunciphisa ukuchithwa kwalo. Ngamanye amagama, i-IRS ingafuna imali kwakhona.
Amaphuzu Ahlawulwe
Amaphuzu ahlawulwe ngetyala lokufumana iimali eziziiprayimari nezesekondari zichithwa ngokugcwele kunyaka abahlawulwayo, kodwa amaphuzu ahlawulwayo ekuhlaziyweni kufuneka ahlaziywe ngobomi bemboleko. Amaphupha awasoloko echazwe kwifom ye-1098, kodwa unokufumana kwi-HUD-1 yakho yokuvala isitatimenti.
Nini Ukufuna Uluhlu Lwezentlawulo Zerhafu
Ukulinganisa ukukhishwa kwemithwalo yemali ekuthengisweni kwemali kubangele ngqo kubahlawuli berhafu abaninzi. Yongeza umdla ochazwe kwiifomu zakho ze-1098 uze ufake inani elipheleleyo kwiShedyuli A. Ungasebenzisa iphepha lokusebenzela kwi- Publication 936 ukuba ubale ukuchithwa kwakho okuvumelekileyo, kwaye unokwenza uhlengahlengiso lwe-AMT kwikharityhulam yokulinganisa ikhaya usebenzisa i-Home Mortgage Adjustment Worksheet. kwiMigaqo yeFomu 6251 .
Unokufuna ukujonga ngophando lwerhafu, nangona kunjalo, ukuba uthenge okanye uthengise impahla ngexesha lonyaka werhafu. Enyanisweni, kuya kuba nengqiqo ukufuna iingcebiso kwiprojekti yerhafu nangaphambi kokuba uthenge okanye uthengise i-real estate ukuba ufumane kuphela isibambiso kwimiphumo yerhafu yesigqibo sakho.
Kwaye, ke, uya kufuna ukuqhubeka ubukela iindaba zokuhlaziywa kwerhafu yeerhafu, nokuba iphela iphelile, kwaye, ukuba kunjalo, izibonelelo zayo zokugqibela.