Inodzivirira vanhu veAmerica kubva kuRitendo Hikes Act
Mutero weRus Relief uye Wehutano Mutemo wakatanga kuisa mutengo wehutano hwekubhadhara mari muna 2006. Congress yakawedzera muna 2015 apo yakapfuura Idzivirire vanhu veAmerica kubva kuMitambo yeMitambo (PATH) Act .
Asi pasi pemitemo yePATH Act, kuderedzwa kwakapera musi waDecember 31, 2016. Kuwedzerwa kwaive kwakanaka kwegore rimwechete.
Kubviswa kunogona kunge kusisina nguva nguva dzose nokuti Congress inogona kuigadzirisa. Ichi ndicho chimwe chezvakabviswa izvo hurumende inoongorora gore negore, uye inogona kutarisirwa pasi peMutungamiri Trump's tax reform bill, iyo yaakati iine chinangwa chekubatsira mhuri dzepakati pekuwana.
Vateresi vanogona kutora kuderedzwa uku mhuri dzinotora mari yepakati nekuti inopera uye inenge isingawanikwi pamatunhu akakwirira emari. Deductions for mortgage interest uye yematoro emitero inoramba yakachengeteka muna 2017. Chengetesa yekutengesa inshuwarheni ndeyeyo chete mumutauro.
Mortgage Insurance
Vatengesi vanowanzodikanwa pachedu mortgage inshuwarisi kuti vawane chikwereti kana zvichiitika. Inopomerwa kune vatengi havakwanisi kuita pasi mari yevana makumi maviri. Iyo inishuwarenzi inogona kubudiswa nekambani yveshuwarenzi yega yega kana ne Federal Housing Administration, iyo Dhipatimendi rekurima Rural Housing Service kana Dhipatimendi reVeterans.
Mari Inobatsira
Imwe mitengo inoshandiswa yeruzhinji yeruzhinji inoshandiswa inoshandiswa chete kune zvikwereti zvakatorwa kana mushure meJanuary 1, 2007. Inishuwarenzi inofanira kuva yekutora chikwereti chemusha pamusha wekutanga kana wechipiri. Imba yekuwana chikwereti ndeye iyo inowanikwa mari yekutsvaga, kuvaka kana kunyanya kugadzirisa pokugara.
Iwe kazhinji haugoni kubvarisa imba yechipiri kunze-unofanira kuishandisa nayo pachako, seimba yezororo. Unogona kunge uchikwanisa kubhadhara, asi iwe, kana iwe uchibata imba yechipiri semari yekutengesa mabhizinesi. Imba yekukweretesa yemari yakakodzera haikwanise kubhadhara, kana kuita mari-kunze kwekunakidzwa. Zvisinei, kunatsiridza zvikwereti kusvika kune chikamu chepakutanga chikwereti chakavharwa.
Kubhadhara Kwekuwana
Iwe hauna kukodzerwa kubvunza izvi zvakaderedzwa kana mari yako yakagadziriswa inodarika $ 109,000, kana $ 54,500 kana iwe wakaroorwa uye uchitumira imwe chete yemutero kudzoka. Kubviswa kwacho kunotanga "kubuda" pamiganhu yakaderera yemari: $ 100,000 kune vasina kuroorwa, mukuru weimba uye vakaroora kudhonza pamwe chete nevateresi, uye $ 50,000 kune vakaroorana vanenge vakaroorana vanoita zvakadzoka zvakasiyana. Ichi chikamu-kunze chinoda kuti iwe unofanira kubvisa 10 kubva muzana kubva pamari yepuraimari yawakabhadhara imwe ye $ 1 000 yemari yako inopfuura $ 100,000 kana $ 50,000, chero ipi zvayo inoshanda. Iwe unogona kuwana AGI yako pamutsara 37 weFomu 1040 mutero wadzo.
Kutaura kuti Deduction
Imishandirapuru yemishuwarenzi yepamutemo yakabhadharwa mukati megore inoshushwa paFomu 1098. Unofanira kugamuchira iyi fomu kubva kune wako chikwereti mushure mekunge gore rapera. Iwe unogona kuwana mari yawakabhadhara muzvikwereti mubhokisi 4.
Parizvino hapana muganhu pamusoro pemari yekudhara iwe unogona kutora kana iwe uye chikwereti chako kuchikodzera.
Iwe unogona kutora iyi yose yakawanda. Mari yekubhadhara mari yemainishuwarenzi inobhadharwa inogona kupiwa pamusoro pemutengo wechikwereti kana mwedzi 84, chero nguva ipi zvishoma, pasi pekutonga kubva ku IRS yakashumwa muZviso 2008-15.
Imari yepumishuwarenzi yepa mortgage inotemerwa mutero . Vanotaurwa pamutsara wechigumi nematanhatu weChinyorwa A, "Chido Chaunobhadhara." Iwe haugoni kutora rubatsiro rwekubhadhara mari yeruzhinji yeruzhinji kana iwe uchida kubhadhara zvakakwana - unofanira kuitemize uchishandisa Shanduro A.
Kubvisa Inishuwarenzi Yako
Nokuti hapana kuudza kana kana kana Congress ichinyora humwe humwe humwe mukudhonza uku, inogona kubhadhara kutarisa yako ikozvino yekubhadhara mari yakatarisana neimba yako yakakosha yemari yemari. Iwe hauchafaniri kubhadhara mari yega mortgage inshuwarisi apo kuenzana kwako muimba kunodarika 20 muzana, asi hazvigone kuti iwe chikwereti chako kana inshurensi ichakuudza izvi kwauri.
Hapana anozozvipira kubvisa purogiramu yako kwauri kana iwe uchirova nhamba iyi yemashiripiti - asi unogona. Iva wakagadzirira kuti imba yako iongororwe kana kukosha kwatakapiwa neimwe nyanzvi kuitira kuti iwe unogona kuratidza kuti inshuwarisi haisisina kudiwa. Kunyange kana zvikaitika kuti Congress haina kudzorera chikwereti, iwe unogona kuchengetedza mari pasinei nekutora matanho ekudzikisa mutemo wako.
Cherechedzai: Mitemo yemitero inoshanduka nguva nenguva, uye iwe unofanirwa kubvunzurudza unyanzvi wemitero kune mazano akawanda-kusvika. Mashoko aya ari munyaya ino haafananidzi sekupa mazano emitero uye haisi kutsiva mazano emitero.