Kuchulukirachulukira kwa kuchotsera kumatha kukhala ndi anthu ozindikira kwambiri azachuma pakati pathu kukanda mitu yathu kubwera nthawi yamisonkho. Koma zikafika pa umwini wanyumba, mudzakhala mukusunga zazikulu, chachikulu buckage ngati mukudziwa zomwe mukuyenerera. Tinalowa ndi Lisa Greene-Lewis , CPA ndi Katswiri wa Misonkho ya TurboTax, pamalo onse ofunikira omwe muyenera kuthandizira kuwolowa manja kwa Amalume Sam kunyumba.
Zogwirizana: Zinthu 4 Zoyenera Kudziwa Zokhudza Misonkho Ngati Munali Ndi Mwana Chaka chino
Makumi 20 Malipiro a Mortgage
The biggie: Mutha kuchotsa chiwongola dzanja chomwe mwalipira pa ngongole yanu. Ngati munagula nyumba yanu chaka chatha, muyenera kulandira chikalata chotchedwa Fomu 1098 kuchokera kwa wobwereketsa wanu chomwe chimaphatikizapo kuchuluka kwa chiwongoladzanja chomwe munalipira, komanso mfundo zomwe mudalipira, kuti muthe kuchulukitsa zomwe mwachotsa kuti mubweze ndalama zambiri.
Kutayika Mwangozi
Apa ndikuyembekeza kuti simukunena izi, zomwe ziyenera kukhala chifukwa cha zochitika zadzidzidzi, zosayembekezereka kapena zachilendo (monga kuwonongeka kwa katundu chifukwa cha mphepo yamkuntho ya chaka chatha, mwachitsanzo). Ngati zotayika zanu zikuposa 10 peresenti ya ndalama zomwe mumapeza, mutha kuchotsa chilichonse chomwe inshuwaransi yanu sichikulipira.
Mphamvu za dzuwa
Ngati mwapanga zosintha zadzuwa posachedwa (onani: mapanelo amagetsi), mukuyenera kulandira ngongole ya 30 peresenti ya mtengo wonse, kuphatikiza kukhazikitsa, popanda malire. Zindikirani kuti ngongole yanyumba yogwiritsira ntchito mphamvu zogona idzatsika pazaka zambiri pansi pa khodi yamisonkho yatsopano, chifukwa chake musadikire motalika ngati mukungoyembekezera. (Ngongole imatsika mpaka 26 peresenti ya chaka cha msonkho 2020; 22 peresenti ya chaka cha msonkho 2021, kenako imatheraDisembala 31, 2021.)
Makumi 20 Historical Preservation
Mugule chosinthira chakale? Mutha kukhala oyenera kuchotsedwa. Ngakhale kuti mbiri yakale yosungira ndalama imagwira ntchito kuzinthu 'zopanga ndalama' (monga nyumba zamalonda), maiko ena ali ndi mbiri yakale yosunga msonkho wa nyumba zomwe zimakhala ndi eni ake. Kuti muyenerere kukhala nawo, nyumba yanu iyenera kulembedwa pa National Register of Historic Places, ndipo ntchito iliyonse yomwe yachitika iyenera kuunikanso kuti iwonetsetse kuti ikukwaniritsa zofunikira zotetezedwa.
Ndalama Zobwereketsa Panyumba Yachiwiri
Mosiyana ndi nyumba yanu yoyamba (yomwe imatero ayi werengerani renti ngati ndalama zokhoma msonkho), ngati muchita lendi nyumba yanu yachiwiri kwa milungu yopitilira iwiri pachaka, muyenera kulengeza pobwerera. Komabe, mutha kupeza nthawi yopuma misonkho ngati ndalama zolipirira zolipirira lendi: kutanthauza zinthu monga katundu, kukonzanso ndi mipando.
Capital Gains Kupatulapo
Ambiri mwa okhometsa misonkho safunikira kulipira misonkho pazogulitsa zanyumba zawo, chifukwa cha munthu uyu. Mfundo yofunika: Ngati mutakhala ndi nyumba yanu yayikulu zaka ziwiri kapena zisanu musanagulitsidwe, mutha kupanga phindu lofikira 0,000 pogulitsa ndipo osafunikira misonkho yanu. Monga okwatirana, mutha kupatula phindu lofikira 0,000. Kumbali ina, ngati mudayika m'thumba ndalama zoposa 0,000 (pawekha) kapena 0,000 (monga banja), mudzakhomeredwa msonkho.
Makumi 20 Ofesi Yanyumba
Ngati mumagwiritsa ntchito ofesi yanu yakunyumba nthawi zonse (nthawi zonse komanso mwapadera, malinga ndi malangizo a IRS ), mutha kutenga chiwongola dzanja cha ofesi yakunyumba pa gawo la chiwongola dzanja chanu chanyumba, inshuwaransi ndi kukonza - zomwe zimadalira kuchuluka kwazithunzi zomwe zimagwiritsidwa ntchito pabizinesi yanu.
Misonkho ya Katundu
Chikumbutso: Ngati mutenga zomwe mwachotsa, mutha kuchotsa msonkho wonse wanyumba yanu. Koma pitilizani: Kuyambira Ena Chaka chochotsera izi chizikhala ,000 okwana (pamtundu watsopano wamisonkho).
Ndalama Zosuntha
Kodi mwagula nyumba yanu yatsopano chifukwa cha ntchito? Ngati mukwaniritsa zofunikirazo (akamagwira ntchito nthawi zonse kwa milungu 39 mkati mwa miyezi 12 yoyambirira mutasamuka, ndipo gigi yanu yatsopano ili pamtunda wa makilomita 50 kutali ndi nyumba yanu yakale kuposa malo anu akale), mukhoza kutenga ndalama zanu zosunthira-chilichonse kuchokera ku zosuntha mpaka mabokosi osungira.
Zogwirizana: Mutha Kukhala Mukulemba Gulu Lanu la SoulCycle (Kuphatikizanso Zochotsera Misonkho Zina 5 Zomwe Mungatenge Chaka chino)
