Ixesha lerhafu lidla ngokuzisa uloyiko kunye nokudideka, kodwa ukuqonda indlela umsebenzi ohlaziywa ngayo irhafu esebenzayo ekunciphiseni imali yakho. Ukuncitshiswa kwemali yakho ehlawulwayo, okungakusindisa amakhulu-okanye amawaka eerandi. Kodwa abarhafu abaninzi abakho ngenxa yokuba abazi ukuba zikho okanye abaziqondi ukuba azifaneleki. Ngokuqhelana nolona xabiso luthelekisayo, ungaqinisekisa ukuba awuyishiyi imali etafileni xa ubuyisela uxwebhu.

Ukuqonda Iirhafu

Uhlaziyo lwerhafu lunciphisa imali oyihlawulayo. Ngokomzekelo, ukuba uhlawula ii - R2 000 yaye uhlawula ii - R2 000 kuphela ngerhafu exabisa ii - R48 000. Ukugcina imali kuxhomekeke kwisibiyeli sakho serhafu — okukhona isibiyeli sakho siphezulu, kokukhona kuxabiseke ngakumbi ukuhlawuliswa kwemali.

Xa ufakela ifayili, uneenketho ezimbini: thatha izincopho ezisesikweni [imali emiselweyo esekelwe kubume besakhelo) okanye ucuthe iincopho zakho[ (udwelise iindleko ezifanelekileyo ngokobuqu). Kufuneka ubeke kuphela ukuba uhlaziyo lwento yakho lugqitha unyuso olusezantsi. Ngo-2023, unyuso olusezantsi lungu $13,850 yefayile enye ne $27,700 yezibini ezithenjiweyo ezitshatileyo. Ukuba unekhaya, uneendleko ezinkulu zezamayeza, okanye wenze izipho zokubonelela, ezinika ingeniso rhoqo.

Ngokuqhelekileyo

Iintengiso ezininzi ziphoswa kuba zifuna amaphepha angakumbi, zinemida yengeniso, okanye azinalwazi lungako. Ngezantsi sihlola ezona zibalulekileyo ngokweenkcukacha, kuquka imithetho esebenzayo, imida, kunye neenkcazo zokugcina ingxelo.

Iindleko Zonyango

Ungasusa iindleko zezonyango ezingakhutshwanga ezingaphaya .7.5% yengeniso yakho etshintshiweyo (AGI). Lo mqobo usezantsi kunokuba abantu abaninzi becinga, ngoko ukuba ubenonyaka onexabiso eliphezulu lezamayeza, ungafaneleka. Iindleko ezifanelekileyo ziquka:

  • Ugqirha, ugqirha wamazinyo kunye nokutyelela kwengcali
  • Ukuhlala esibhedlele neenkqubo zotyando
  • Amayeza okunyanga
  • Inkcitho ye-inshorensi yexesha elide (ngokubhekiselele kwimida esekelwe kwiminyaka yobudala)
  • Iindleko zothutho lokunyangwa (umz., imayile, ukumisa, imivuzo)
  • Izinto ezinceda abantu bave, iiglasi zamehlo neelensi
  • Imali ye-inshorensi yempilo ukuba usebenzela ngokwakho (ifikeleleka ngaphezulu kwe-

Gcina ii-lisithi, iingxelo zebhanki, kunye nezicwangciso zempilo zishwankathela. Ukuhamba ngemayile, i-IRS imisela isantya sonyango somlinganiselo osezantsi ngonyaka (umz., 22 iisenti ngemayile ngo-2023). I-IRS uPhicotho-mali 502 lunika uluhlu olupheleleyo lwenkcitho efunekayo. I-IISTIRS Ukusasaza 502 (inkcitho ze-mente ne-Dental).

Irhafu yelizwe neyasekuhlaleni (SALT)

Ungakhupha irhafu yengeniso yasekuhlaleni neyasekuhlaleni urhulumente kunye nerhafu yorhwebo yasekuhlaleni, kodwa hayi zombini. Ukongeza, uhlaziyo olupheleleyo lwerhafu karhulumente neyasekuhlaleni (kuquka irhafu yempahla) lugawulwe [ $$ [25] [25] [25] ukuba ikhutshelwe ngokwahlukeneyo). Le tharophu yamiswa nguMthetho werhafu ka-Cuts kunye noMsebenzi ka-201717, kwaye ihlala isebenza ukusukela ngo-2025.

Ukuba uhlala kwilizwe elingenayo irhafu yengeniso (njengeTexas, Florida, okanye Nevada), ungangenelwa ngakumbi ngokususa irhafu yentengiso. I-IRS inikezela ngeetafile zerhafu ezingokhetho ezisekelwe kwingeniso nendawo ohlala kuyo, okanye ungagcina iirisithi zokwenene zokuthenga izinto ezinkulu njengenqwelo-mafutha okanye isikhephe. Abaxhasi berhafu abaninzi, indlela elula kukusebenzisa amathematili. Ukuze ufumane ulwalathiso oluneenkcukacha, bona Irhafuthemi yerhafu ebhayisekayo

Iipremium zeinshorensi ezisetyenziswa kwimorensi

Ukuba uthenge ikhaya elinokuhlawula imali engaphantsi kwama-20%, usenokuba uhlawula i-inshorensi yetyala lokutyala (PMI) okanye imali ye-FHA yokwabelana ngetyala lendlu. Le mali idla ngokuncitshiswa njengenzala yetyala lendlu ukuba umba, kodwa amacandelo athelekisayo angaphandle kubahlawuleli abaphezulu (AGI ngaphezu kwama-109 000 (kusetyenziswa i-applet edityanisiweyo ngo-2023).

Ukuyichaza, i-inshorensi yendlu yakho kufuneka ibe kunxibelelwano nemali ebolekiweyo esetyenziselwa ukuthenga, ukwakha, okanye ukuphucula ikhaya lakho elingundoqo okanye ikhaya lesibini. Khangela ifomu yombolekisi wakho 1098 (okanye ingxelo ethabathela indawo) yemali ehlawulwayo. [[FLT: 0]] IMITHOMBO YESIFUNDO 936: Inzala Yasekhaya.

Iminikelo Yokubonelela Ngezibonelelo

Ukunika imali okanye impahla kwimali efanelekayo yezemali kunciphisa ingeniso yakho ehlawulwa yirhafu. Ukuze ufumane iminikelo yemali, kufuneka ufumane irekhodi yebhanki okanye isiqinisekiso esibhaliweyo kwimali yoncedo. Kwizinto ezingezoza-cash (impahla, ifanitshala, impahla yendlu), ezithengwayo zidla ngokulinganiselwe kwixabiso lentengo lemali yemali ebekekileyo yemali ethengiswayo. /ukuthengwa kwemali egcinwe evenkileni ebhankini. Ukunikela ngeempahla ezixabisekileyo njenge-makenti okanye umhlaba wokwelifalde kusenokuba luncedo ngakumbi ngenxa yokuphepha irhafuthezo.

Imithetho engundoqo:

  • Iminikelo ye IRS-aaced 501(c)(3) kuphela efumanekayo.
  • Iminikelo yemali exabisa ii - R250 okanye ngaphezulu ifuna irisithi ebhaliweyo kwelo sebe linikela ngemali.
  • Ukuba ngaba usebenza ngokuzithandela, ungakhulula iindleko zepocket (umz., i-mayile ekwi-intshi eziyi14 nge-2023, ukupaka ipesenti, amaxabiso) kodwa hayi ixabiso lexesha lakho.
  • Kwiminikelo engeyoyamakhasi ngaphezu kwama-R3 000, kufuneka ubhale ifomu yama-8283 kwaye ungafuna uvavanyo olufanelekileyo lwezinto ezingaphezu kwama-R3 000.

Impazamo eqhelekileyo kukulibala iminikelo eyenziwa ngokudlula kumqulu osongelweyo wentlawulo okanye ngengxowa-mali yomnikeli. Gcina zonke iimvume neengxelo. Kwinkcukacha ezithe chatha, bona i-S Iminikelo ye-Accounting[.

Inkcitho Yemfundo

Izincopho ezininzi ezinxulumene nemfundo kunye neetyala zinganciphisa ityala lakho lerhafu. Okona kuthelekelelwayo kuqhelekileyo yimali yerhafu kunye nemali yemali [ (ISikhundla neFeduction Deduction iphelelwe emva konyaka wama-2020, kodwa ezinye iindlela zikhona). Ukuba uhlawula imfundo ephezulu, iqabane lakho, okanye umxhasi wakho, cinga:

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.