Mortgage Interest (Dzimwe nguva) Deductible
Kana iwe ukashandisa mari ye "kuvandudzwa kwakakura" kumba kwako, kuderedzwa kuduku kunogona kuwanikwa.
Kwemakore Makero 2017 uye Pamberi
Chikwereti chinogona kukubatsira kutenga imba (kana kukwereta kune imwe nzvimbo yaunenge uine yako), uye inogona kutopa mamwe mafero emitero. Chikwereti chaunobhadhara chinogona kubviswa, asi usakurumidza kukwereta chete kuti uwane mari yako pane 1040 - kune maximum uye zvimwe zvingakwanisi zvingaderedza kana kubvisa zvachose kukwanisa kwako kukwevera kufarira.
Iyi peji inobata mienzaniso yakawanda, asi mitero yemitero yakaoma uye inoramba ichichinja. Edzai zvinhu izvi uye taurai nemutori wemutero usati wataura kubviswa.
Deducting Mortgage Interest
I IRS inobvumira kuderedzwa kwemari inobhadharwa pachikwereti chakachengetedzwa neimba yekutanga kana yechipiri. Izvo zvinosanganisira zvikwereti zvinowanzoshandiswa-zvinoshandiswa:
- Kutenga zvikwereti (yako primary mortgage kana ukwereta mari kutenga imba)
- Musha wezvikwereti zvakaenzana (inozivikanwawo sechipiri chikwereti), iyo inopa mari yakawanda yemari
- Musha wekutengesa mitsara yechikwereti, izvo zvinokubvumira kushandisa kubva kune chikwereti chekwereti
Kusunungurwa kunogona kuita kuti zvikwereti izvozvo zvisingadhuri, uye inogona kuisa dzimwe nzira dzakadai sokukweretesa chikwereti (kamwe-kamwe rubatsiro iwe unobhadhara runobhadhara mutero - kwete kungodhura). Zvisinei, pane mamiro ekuwandisa kwaunokwanisa kubvisa, uye kana iwe uchikwanisa kubvisa.
Zvechokwadi, iwe uri kushandisawo imba yako sechisimbiso paunowana chikwereti chechipiri chekutengesa, zvinoreva kuti chikwereti chinogona kutarisa pamba pako kana iwe usingakwanisi kubhadhara . Kushandisa mari iyoyo chero chinhu kunze kwemari yakabatana neimba kunoreva kuti uri kuwedzera njodzi iyo yakanga isati yavapo.
Musha wekutanga kana wechipiri: kubviswa hakusi kune vashandi vanogara mumisha yakawanda. Kuti ukwanise, chikwereti chinofanira kunge chiri pa "imba yako yekutanga kana yechipiri". Kana iwe uchikwereta pfuma, ugogovera, kana kuti uishandise sehofisi, kubviswa kwako kungakanganisa.
Nzira yekubhadhara mari yako : chikwereti chako chinofanira kuchengetedzwa neimba yako. Tarisa ne IRS kuti uwane mamwe mashoko, asi izvi zvinowanzoreva kuti chikwereti chako chinosangana neimba yako uye chinogona kutarisa kana ukakundikana kubhadhara. Mukuwedzera, unoda kusangana nechimwe chezvinotevera:
- Chikwereti chinobva muna Gumiguru 13, 1987 kana kuti (asati azivikanwa se "chikwereti chakakuru"), kana
- Chikwereti chaishandiswa kutenga, kuvaka, kana kuvandudza imba yako, uye chikwereti chakazara chiri pasi pe $ 1 mamiriyoni
- Chikwereti chakanga chisina kushandiswa kutenga, kuvaka, kana kuvandudza imba yako, uye chikwereti chose chikwereti chiri pasi pe $ 100,000
Mune mamwe mamiriro ezvinhu, akadai sekuti kana kuroorwa kuchiisa zvakasiyana, zviyero zvishoma.
Kwete shams: IRS inotaura kuti "Iwe neye chikwereti unofanira kutarisira kuti chikwereti ichocho chibhadzwe." Izvi zvinogona kubvisa zvirongwa zvose zvisinganzwisisiki apo iwe unoshandisa kushandisa sham inoshandiswa kuchengetedza pamitero.
Somuenzaniso, haugone "kukwereta" kubva kune nhengo yemhuri, kubvisa chido, uye kukanganwa nezvechikwereti - chikwereti chinofanira kuita sechinhu chechokwadi chekutengesa kwemaoko.
Zvikwereti zvekuvakira: kana uri kuvaka imba, kuderedzwa uku kunogona kubatsira kuderedza mari yako kune chikwereti chekuvaka . IRS inokubvumira kubata musha unovakwa semusha wakakodzera kusvika kumwedzi makumi maviri nemana chero bedzi uchingosangana nedzimwe nzira.
Zvikanganiso
Dollar chikwata: sezvakaratidzwa pamusoro apa, kubvisa chikwereti kubva kumusha wako wekukweretesa chikwereti hakusi zvisingagumi. Muganhu wakakwirira kune mari yakashandiswa kutenga, kuvaka, kana kuvandudza imba yako. Kune vanhu vazhinji, izvo zvinoshanda zvakanaka. Zvisinei, kana ukashandisa mari kune chimwe chinangwa (semudzidzo wepamusoro, chikwereti chekugadzirisa, kana chimwe chinhu), iwe wakagadzirirwa pa $ 100,000 chikwereti. Cherechedza kuti maximums anotaura nezvehukuru hwechikwereti - kwete mari yaunofarira iwe gore rimwe nerimwe.
Zvimwe zvinoshandiswa mutero (AMT): kana iwe uri pasi pe AMT, unogona kuona zvimwe zvikanganiso. Muchidimbu, kuderedzwa kunobatsira kana ukashandisa mari yacho kutenga, kuvaka, kana kuvandudza imba yako.
Kubviswa kwekutema: iyo inotora chikwereti inowanikwa inowanikwa chete kana iwe itemize, uye vanhu vakawanda havaiti . Zvinowanzoita kuti utore zvakanyanya kubhadharwa - kana kutora kwako kwakakwana kunopfuura iwe unogona kuwana kubva kuitemizing, iwe unotora chikwereti chekutora mari inogona kutadza kupa chero mutero unobatsira. Kana iwe usina chokwadi kana iwe itemize, chengeta kuti uone kana waisa Purogiramu A. Kuti uwane pamusoro pemari yako yakabviswa, ungada chikwereti chakakura kana zvimwe zvikwereti kuti ubatsire (zvakadai semari yepamusoro yezvokurapa, somuenzaniso).
Kubviswa hakusi chikwereti: vamwe vanhu vanovhiringidza kubhadhara mutero nekwereti yemitero. Kuderedzwa kunobatsira kuderedza mari yepfuma inoshandiswa kuverenga mitero yako yakakodzera. Chikwereti idhora-ye-dollar kuderedza pane zvaunokwereta. Kugadziriswa kunoderedza zvakananga kubhadhara mutero wako, asi hausi uine simba sekukwereta mutero.
Iwe unogona kutora mari yakawanda sei?
Kana wakakwereta kururamisa mumba mako uye iwe uchida kuziva kuti unofarira mari yakawanda sei, bvunza yako chikwereti. Iwe unofanirwa kugamuchira Fomu 1098 nemashoko nezvekufarira kwegore.
Ita basa rako rechikoro
Kutaura kuti kuderedzwa zvisina kukodzera kunonetsa: kunogona kutungamirira kumitero yemitero uye mitsva inofanirwa kubva kune IRS. Edzai zvose zvezvemamiriro enyu ezvinhu (uye zvino mitero yemitero) nokuverenga IRS Publication 936. Yeuka kuti mitero yemitero yakaoma, uye zvinhu zvingave zvashanduka sezvo nyaya ino yakanyorwa. Taura nemutori wemutero uyo anoziva nezvezvese zvekwereti yako kuti urege kudzivisa matambudziko.
Cherechedza: Zvakare, kuderedzwa uku hakuwanzovipo mushure mekutereta gore ra20177. Ichi chinyorwa ndechokuti zvinyorwa zvinyorwa chete.