Kubhadhara Mortgage Inogona Kuderedza Mari Yako Inotengesa
Iyi mitemo yekureva kuti kuderedzwa kunoshanda kuburikidza ne 2017.
Kuda Imba Chete Mortgage Interest
Iwe unofanirwa kuita itemize zvakabviswa kwako paFomu 1040, Purogiramu A yekuda kutora chikwereti chido. Izvi zvinoreva pamusoro pekuregererwa kwemashoko kwehuwandu hwekutsvaga kwako-ndeye / kana mamiriro ezvinhu. Iwe unogona itemize kana iwe unogona kana iwe unogona kutora kubhadhara kusingaperi asi iwe haugoni kuita zvose zviri zviviri.
Purogiramu A inobatanidzawo mamwe akawanda ekudhura mari, zvisinei, kusanganisira mitero yeimba yeimba , mari yezvechiremba , nemigiro yezvipo. Dzimwe nguva izvi zvose zvinowedzera kune zvinopfuura kuderedzwa kwakakwana kwehuwandu hwekutsvaga kwako, zvichiita kuti zvikwanise nguva nekuedza kuti itemize kubviswa kwako. Kana zvisina kudaro, iwe uchachengetedza mamwe madhora emitero nekudarika imba yekubhadhara chikwereti chekuda uye uchida kubhadhara kushandiswa kwese panzvimbo.
Zvinowanzokurudzirwa kupedzisa Purogiramu A uye kuenzanisa zviyero zvese zvakakonzerwa nemitengo yako kune zvakakodzero yako kuti uwane kuti ndeipi nzira inonyanya kukubatsira iwe.
Kubva muna 2017, kuregererwa kwemazuva ose kune $ 6 350 kune vasina kubhadhara mutero uye vateresi vakaroora vanodzokorora zvakasiyana. Ndi $ 12,700 kune vakaroorana vakaroorana vanowirirana pamwe ne $ 9,350 kune avo vanofanirwa kuva mukuru weimba.
Asi zivai-Mutero Wemitero uye Jobs Act inotanga kuchinja kudivi rakakwana zvakare, kuwedzera nhamba idzi pane zvinoshamisa.
Zvinogona kunge zvisingambofungidziri kuti iwe uchava nezvikwereti zvinokwana zvakakosha zvakakwana kudarika kuregererwa kwemazuva ose iwe unofanirwa kuita kana mutero wezvemitero mutsva unotanga kushanda muna 2018.
Mvumo yeChikwata Chekuda Kuchengetedza
Chido chekutora chikwereti ikozvino chinosanganisira icho chaunobhadhara pazvikwereti kutenga imba, pamisha yekuenzanisa mitsara yechikwereti, uye pazvikwereti zvokuvaka. Shanduro yeSenate Cuts uye Jobs Act inogona kuderedza kuderedzwa kwechikwereti chekuwana chete, zvisinei, uye inozobvisa misha yekutengesa kwemisha yekukwereta kubva pakukwanisa kubhadhara ichi.
Kubviswa kwacho kunogumirawo kune chikwereti chawakabhadhara paimba yako huru uye / kana imba yechipiri. Chikwereti chakabhadharwa pamisha yechitatu kana yechina hachina kubviswa.
Iwe unofanirwawo kuva wepamutemo pachikwereti chechikwereti-chikwereti hachikwanise kuva mune mumwe munhu zita kunze kwekuti ari wako wako uye iwe uri kutumira kubatana kwekudzoka. Iko inofanira kunge iine chikwereti chakanaka mune kuti une chibvumirano chekuripa chikwereti. Pakupedzisira, imba yako inofanira kuita sechisungo chechikwereti uye zvinyorwa zvekutora chikwereti zvinofanira kunyatsojekesa izvi.
Musha wako unogona kuva mhuri imwe chete yekugara, imba yekugara, imba yakashambadzirwa, kubatana, kana kunyange chikepe-zvakanaka chaizvo chero chipi zvacho chine "kurara, kubika uye chimbuzi," maererano neInternal Revenue Service.
Kusarudza Kuda Kwakawanda Kwako Unobhadhara
Iwe unofanirwa kugamuchira Fomu 1098, Mortgage Interest Statement, kubva pakutenga chikwereti chako pakutanga kwegore idzva rekutere. Iyo fomu inorondedzera chikwereti chawakabhadhara iwe mugore rapfuura. Iwe haufaniri kuisa fomu yacho kune yako yekutora kudzoka nokuti nzvimbo yezvemari inofanirawo kutumira kopi yeFomu 1098 zvakananga ku IRS.
Iva nechokwadi chekubhadhara chikwereti chaunotora iwe unoti pane Purogiramu A yakafanana nemari yakataurwa pamusoro peFomu 1098. Mari yaunogona kutora inogona kunge iri pasi pehuwandu hwehuwandu hunoonekwa pane fomu kubva pane zvimwe zvisingakwanisi. Chengeta Fomu 1098 ne kopi yemutero wako wekubhadhara mutero kwemakore mana.
Dhairamu Dzikwereti Pamusha Kuwana Chikwereti
Mari inoshandiswa kutenga kana kuvaka imba inonzi "imba yekuwana chikwereti." Izwi rinoreva chero chikwereti chipi zvacho chaunotora kuitira chinangwa chokuwana, kuvaka, kana kugadzirisa zvikuru imba yakakodzera.
Iwe haugone kuderedza chikwereti pane zvinodarika $ 1 mamiriyoni eimba yekuwana chikwereti cheimba yako huru uye / kana kugara kwako kwechipiri kubva muna 2017. Imba yeImba yeChete Cuts uye Jobs Act inoderedza izvi kusvika ku $ 500 000 muna 2018 kana ichipfuura. Muganhu iye zvinowo wakaderedzwa kusvika $ 500,000 kana iwe wakaroorwa uye uzviisa zvakasiyana .
Muganhu unoramba uri $ 1 Mamiriyoni muna 2017, zvisinei, saka tichashandisa nhamba iyoyo tichienzanisira. Ngatiti wakakwereta $ 800,000 pakurwisana neimba yako yekutanga uye $ 400,000 kurwisana nedzimba yako yechipiri. Zvose zvikwereti zvaishandiswa chete kuwana nzvimbo. Pamwe chete, zvikwereti zvinowedzera kusvika ku $ 1.2 mamiriyoni, zvinodarika $ 1 mamiriyoni ekugadzirisa chikwereti chekuwana pamba.
Iye zvino ngationei kuti zvose zvikwereti zvine chikwata chekufarira chidimbu che5 muzana. Kufarira kwawakabhadhara kwegore kwaiva $ 60,000. Iwe unongokwanisa chete kutora chikwereti chekubhadhara chikwereti che $ 50,000 cheiyo, chido chekutanga $ 1 mamiriyoni eimba yekuwana chikwereti. Mari inosara $ 10 000 inokonzerwa nemari yezvikwereti inodarika $ 1 mamiriyoni kuitira kuti iwe usakwanisa kuitaura.
Kukanganisa Kwekukwereta Kwemari Edzimba
Imba yekodzero yekuwana chikwereti iwe unotora kune chimwe chikonzero kunze kwekuwana, kuvaka, kana kunyanya kuvandudza imba yakakodzera. Inogonawo kuva chikwereti chaunotora kuti ugadzirise nzvimbo yakakodzera yekugara, asi inodarika chikamu chemari yekuwana chikwereti.
Iwe haugone kuderedza chikwereti pane zvinodarika $ 100,000 zveimba yemari chikwereti cheimba yako huru uye / kana wekugara kwako kwechipiri. Uyu muganhu wakaderedzwa kusvika $ 50,000 kana iwe wakaroorwa asi uchiisa zvakasiyana. Kubviswa kwako kwekugara kwekugara kweimba kunogona kuderedzwa kunyange pasi pe $ 100,000 muganhu kana iwe chikwereti chako chiri kupfuura chikwereti chakanaka cheimba yako.
Nokuda kwemuenzaniso uyu, ngatiti iwe wakakwereta $ 300,000 muimba yekuenzanisa chikwereti chekwereti. Mari yawakakwereta haina kudarika mutengo wakakosha wemari yeimba yako kuitira kuti iwe wakanaka ipapo. Iwe wakashandisa $ 150 000 yemari kuti uwedzere imba itsva yemhuri yako, uye iwe wakashandisa madhora 150 000 akasara pamudzidzi wekoroji yako yekoroji.
Hafu yekwereti inobatwa semari yekuwana musha chikwereti nokuti yakashandiswa kugadzirisa zvikuru imba yako. Ichi chikamu chinenge chichiisa pasi peimba yekuwana chikwereti chikwereti. Iyo imwe hafu inobatwa seimba yemari chikwereti nokuti yakanga isina kushandiswa kugadzirisa imba yako. Iwe unogona kukwanisa kutora chikwereti chete kusvika ku $ 100,000 muganhu pane chikamu ichi. Saka uchifunga kuti iwe wakabhadhara mari yose ye $ 21,000 mune zvekufarira, inogona kuputsa sezvizvi:
- $ 10,500: Chikwereti chakakwana chekuwana chikwereti chekuwana chikamu chekutanga chikwereti
- $ 7,000: Deductible home equity chikwereti chezvikamu zvitatu zveimba yekugovana chikamu chechikwereti kana $ 100 000 ye $ 150,000 chikamu
- $ 3,500: Chechi chikwereti chisingabhadharwi chechikwereti chinomiririra chikwereti chakabhadharwa chikamu chechikwereti chekuwana chikwereti chinopfuura $ 100,000
Iwe unofanirwawo kutaurira $ 7,000 kune IRS sechinangwa che AMT paFomu 6251. Uye yeuka, shanduro yeSenate yezvinodiwa musero mutero inogona kubvisa kuderedzwa kwechikwereti chekodzero kubva muna 2018.
Joint Mortgages
Kana iwe uchibatanidza chikwereti nemumwe munhu asiri wako, iwe unofanirwa kubvisa chete kufarira iwe iwe pachako waibhadhara zvisinei kuti ndeupi wenyu wakagamuchira Fomu 1098 kubva kune chikwereti. Asi pane chitubu apa. Vanokwereta vanobhadhara zvakananga kuti kudzivirira kushandiswa kunogona kutora chikwereti chaibhadhara kunyange kana kufarira kwaifanira kubhadharwa nemumwe munhu. Vanyori veJK Lasser's "Your Income Tax" vanopfuurira apa:
"Mutero Wecareti wakabvumira mutori wenhengo yekutengesa kubhadhara chikwereti chake chechimwe chikamu chemugove wezvokubhadhara chikwereti kana kubhadharwa kunoitwa kuti urege kurasikirwa pfuma, uye kubhadhara kunoitwa nemari yake yakasiyana." (Peji 328)
Pamba Pokuvakwa Kwemari
Iwe unogona kutora chikwereti pane zvikwereti zvemari zvinoshandiswa kubhadhara mari yekuvaka. Mari yacho inofanira kushandiswa kuwana nyika nekuvakwa kwemusha. Mari inoshandiswa mumwedzi 24 isati yavakwa isati yapera kuverenga kusvika kumadhora emamiriyoni emadhora ekuwana chikwereti chekuwana pamba.
Asi pane kubata. Kana iwe ukatora chikwereti pane chikwereti chekuvaka kwemakore maviri uye iwe uchisarudza kutengesa iyo nzvimbo panzvimbo yekuti uende uye ukashandise sewauri kugara, iwe unogona kudzorera kudzoka kwako kwemakore iwe wakaderedza kufarira kufananidzira iyo sekuda mari panzvimbo. Izvi zvinogona kugadzirisa kubviswa kwayo. Mune mamwe mazwi, IRS inogona kuda mari zvakare.
Points Paid
Pfungwa dzakabhadharwa pamusoro pekuwana chikwereti chemhuri yepamba uye yekondari zvakabviswa zvakakwana mugore ravari kubhadhara, asi mapepa anobhadharwa pakugadzirisa anofanira kuve akashandurwa pamusoro pehupenyu hwechikwereti. Pfungwa haisi nguva dzose dzinoratidzwa paFomu 1098, asi unogona kuzviwana pahurukuro yako yekuvhara HUD-1.
Nguva Yokutsvaga Rubatsiro rweMutero Wemitero
Kuenzanisira kunze kweimba yekubhadhara chikwereti chinokonzerwa kunotsvaga kwakananga kune vakawanda vanobhadhara. Wedzera chido chakataurwa pamusoro peFomu Yenyu 1098 uye shandisa zvachose muHurongwa A. Unogona kushandisa pepa rekushandura muPublication 936 kuti uone kuregererwa kwako kwakagamuchirwa, uye iwe unogona kuona kuchinja kwe AMT kune chikwereti chekodzero yeimba uchishandisa Home Mortgage Interest Adjustment Worksheet yakawanikwa mumirayiridzo yeFomu 6251 .
Iwe ungada kuongorora nemudzidzisi wemitero, zvisinei, kana iwe wakatenga kana kutengesa pfuma mugore rekutere. Zvechokwadi, zvingava zvine musoro kutsvaka mazano emutero wemutero kunyange usati watenga kana kutengesa dzimba kana iwe chete kuti uwane rubatsiro pamigumisiro yemitero yesarudzo yako.
Uye, zvechokwadi, iwe unoda kuramba uchiona nyaya dzekuvandudzwa pamutero wemutero, zvisinei kuti unoguma uchipfuura, uye, kana zvakadaro, zvigadziro zvekupedzisira.