Nguva yemitero inowanzounza vhiringidziko nevhiringidziko, asi kunzwisisa kuti kuderedza mitero ndiyo imwe yenzira inobudirira zvikurusa yokuderedza nayo mari yako. Kuderedza mari inobhadharwa, uko kunogona kukuponesa mazana(kana kunyange zviuru) zvemadhora. Kunyange zvakadaro vabhadhari vazhinji havaoni mari inobviswa nemhaka bedzi yokuti havazivi kuti varipo kana kuti havazivi kuti vakawana kukwaniriswa. Kuzvirovedza umene nemari inowanzoshairwa zvikuru, unogona kuva nechokwadi chokuti hausi mari patafura apo unonyora runhare.

Kunzwisisa Mitero

Somuenzaniso, kana ukaita mari inokwana US $60 000 [Z $42 000] uye uchiita kuti mari yako ibhadharwe, unongobhadhara mutero nemari inosvika $48 000 000 [Z $48 000] chete.

Paunofainira faira, une zvisarudzo zviviri: tora chitsama chakagadzwa (chitsama chakagadzwa chakavakirwa pamugariro wako wokuisa shefu) kana kuti nyora madenderedzwa ako [[ (inoronga ndyiko dzakakodzera somunhu mumwe nomumwe). Unofanira kuisa mari yako yesero inopfuudza. Nokuda kwa2023, mwero i $13,850 nokuda kwemafashoni emari ne $27,700 nokuda kwevakwanyina vakaroora pamwe chete. Kana iwe umene musha, une zvikwereti zvikuru zvokurapa, kana kuti kuita zvipo zvokubetsera zvinokosha, zvinopfuudza mari.

Kazhinji Kacho Pazvinhu Zvakagadzirwa Nemishonga

Mari dzakawanda dzinoshaikwa nemhaka yokuti dzinoda mapepa omuraudzo, dzine ganhuriro dzemari inotakurwa, kana kuti hadzitongozivikanwi zvakanaka. Pasi apa tinonzvera dzinokosha zvikurusa muudzame, kubatanidza mitemo inoshanda, ganhuriro, uye mirau inochengeta mapepa.

Mari Yokurapwa

Unogona kubvisa ndyiko dzezvokurapa dzisingadzoreki dzinopfuura 7,5% yemari yako yakagadziridzwa (AGI). Iyi nhanho yakaderera kupfuura izvo vanhu vazhinji vanoziva, naizvozvo kana waiva negore nendyiko dzakakwirira dzezvokurapa, ungakwanirisa. Ndyiko dzinobvira dzinobatanidza:

  • Kushanya kwachiremba, chiremba wemazino, uye kushanya kwenyanzvi
  • Kugara kwezvipatara uye kuvhiyiwa
  • Mishonga Inoshandiswa Kana Wapiwa
  • Mibhadharo yeinishuwarenzi yokutarisira yenguva refu (pamusana pemiganhu yezera)
  • Ndyiko dzezvokufambisa nokuda kwokurapwa (muchib., makiromita, kupaka, ndyiko)
  • Magirazi okunzwa, magirazi, uye magirazi
  • Mibhadharo yeinishuwarenzi youtano kana uchizvishandira umene (inobudirira kupfuura muganhu)

Chengeta mariti, zvitatisiti zvebhangi, uye gadziriro dzoutano zvinopfupikisa. Nokuda kwemaira, IRS inogadza mwero wakafanira wemaira yezvokurapa gore rimwe nerimwe (g., 22 masendi pakiromita muna 2023). IRS Puratority 502 inogovera ndaza yakakwana yendyiko dzinokwaniriswa. IS PIRS REFURCTION 502 (MiTED) .

Hurumende Nemitero Yemunharaunda (SALT)

Unogona kubvisa mitero yemari yemari yomunharaunda kana kuti mamiriro ezvinhu nemitero yokutengesa yomunzvimbomo (asi kwete yose iri miviri. Kuwedzera, chitsauriro chemitero yehurumende neyomunzvimbomo (kubatanidza mitero yenzvimbo) zvinoiswa pa [ $$ $5 000 ($5 000 000 kana yakaroora papepa rakaparadzana). Iyi jasi rakaisirwa neMutengo weCut neJobs Act wa2017 uye rinoramba riri kushanda kusvikira muna 2025.

Kana uchigara munyika isina mutero wemari (seTexas, Florida, kana Nevada), ungabetserwa zvikuru nokubvisa mutero wokutengesa. IRS inogovera matafura omutero wokutenga kusingasarudzirwi anotsamira pamaripo yako nenzvimbo, kana kuti unogona kuchengeta mariti chaiwo nokuda kwokutenga kukuru semotokari kana kuti igwa. Vateresi vazhinjisa, nzira iri nyore kushandisa matafura. Nokuda kwenhungamiro ine udzame, ona ZVITEMBO ZVOKUTEKARAMA 503: Mitero inobhadhaka.[FT:1]

Mitauro Yeinishuwarenzi Yokuchengetedza

Kana ukatenga musha nomubhadharo wemari usingasviki 20%, sezvingabvira unobhadhara inishuwarenzi yechikwereti chemongi yako umene (PMI) kana kuti mubhadharo weinishuwarenzi yechikwereti cheFHA. Iyi mitero inowanzova isingabhadharwi semubereko wechikwereti kana ukapa, asi nhesvedzo inobviswa nokuda kwomuripi wemari yakakwirira zvikuru (AGI inopfuura $109 000 nokuda kweamburera yeroorano pamwe chete muna 2023). Iyi mari yakawedzerwa nokuda kwe2023 neContived Appriapriations Act, 2023.

Kuzvitaura, inishuwarenzi yechikwereti chemba yako inofanira kuva pamusoro pechikwereti chechikwereti chinoshandiswa kutenga, kuvaka, kana kuti kunatsiridza musha wako mukuru kana kuti musha wechipiri. Nzvera Gadziriro yomukweretesi wako 1098 (kana kuti kutaura kwokutsiva) nokuda kwechitsama chakabhadharwa. [[FLT: 0]] ISVHIS 936: Home Mortgage Infactive Deduction[[[FLT: 1]].

Mipiro Yokupa Zvipo

Kupa mari kana kuti zvinhu kumari inokwaniriswa kunoderedza mari yako inobhadharwa. Nokuda kwemipiro yemari, unoda chinyorwa chebhangi kana kuti kunyorwa kubva kurupo. Nokuda kwezvinhu zvisiri zvecash (kupfeka, fanicha, zvinhu zvepamba), mari inobviswa kazhinji kazhinji inoganhurirwa kumutengo wakanaka wechinhu chacho chinotengeswa. Chingaitengeswa pachitoro chinobhadharwa. Mipiro yezvinhu zvinotendwa semashekero kana kuti nzvimbo chaiyoiyo inogona kuva inotokosha zvikuru nemhaka yokuti unodzivisa kuwana mutero mukuru.

Mitemo inokosha:

  • Mipiro bedzi kumasangano IRS avhozhokerwa 501(c)(3) haishandi.
  • Mipiro yemari ye $250 kana kuti kupfuura inoda risiti yakanyorwa muyamuro.
  • Kana ukazvipira, unogona kubvisa ndyiko dzepapuko (muchib., makiromita 2023, kupaka, mari) asi kwete ukoshi hwenguva yako.
  • Nokuda kwemipiro isiri yemakato inopfuura $500, unofanira kunyora Mafomu 8283 uye ungada rumbidzo inokwaniriswa nokuda kwezvinhu zvinopfuura $5 000.

Chikanganiso chinozivikanwa navose chiri kukanganwa mipiro inoitwa kupfurikidza nebhadharo rependi kana kuti kupfurikidza nehomwe yemari yomupi. Chengeta kubvumwa kwose namashoko. Nokuda kwoudzame hwakawanda, ona S Hable Previces.

Ndyiko Dzedzidzo

Zvitsama zvinoverengeka zvedzidzo zvinowirirana nechikwereti zvinogona kuderedza mari yako yomutero. Chitsama chakawanda zvikurusa chezvinhu ndeche mari nemari (Tendero neFUUD) (Chitsama cheDeduction chakapera pashure pa2020, asi zvimwe zvisarudzo zviripo). Kana uri kubhadhara nokuda kwedzidzo yakakwirira, mukwanyina wako, kana kuti mudikani, funga:

The home office deduction is often misunderstood and feared because of audit concerns, but it is perfectly legitimate if you meet the requirements. To qualify, you must use a portion of your home exclusively and regularly as your principal place of business, or as a place where you meet clients or customers. The space does not need to be a separate room—a clearly defined area like a desk in a corner works, but it must be used only for business. You cannot deduct a space used for both personal and business purposes.