{"id":44,"date":"2025-01-25T15:18:43","date_gmt":"2025-01-25T15:18:43","guid":{"rendered":"https:\/\/henryhuyennguyen.com\/eng\/?p=44"},"modified":"2025-01-25T15:18:47","modified_gmt":"2025-01-25T15:18:47","slug":"nhung-loi-ich-ve-thue-cho-chu-nha","status":"publish","type":"post","link":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/2025\/01\/25\/nhung-loi-ich-ve-thue-cho-chu-nha\/","title":{"rendered":"Nh\u1eefng l\u1ee3i \u00edch v\u1ec1 thu\u1ebf cho ch\u1ee7\u00a0nh\u00e0"},"content":{"rendered":"\n

Mua m\u1ed9t c\u0103n nh\u00e0 \u0111\u1ec3 \u1edf l\u00e0 m\u1ed9t \u0111\u1ea7u t\u01b0 d\u1ec5 hi\u1ec3u nh\u1ea5t. T\u1eeb khi mua \u0111\u1ebfn l\u00fac b\u00e1n, b\u1ea1n s\u1ebd c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n thu\u1ebf l\u00ean \u0111\u1ebfn nhi\u1ec1u ch\u1ee5c ng\u00e0n.

1. Ti\u1ec1n l\u1eddi tr\u00ean n\u1ee3 nh\u00e0 (mortgage interest)<\/strong>
Trong nh\u1eefng n\u0103m \u0111\u1ea7u, ph\u1ea7n l\u1edbn ti\u1ec1n nh\u00e0 tr\u1ea3 h\u00e0ng th\u00e1ng \u0111\u1ec1u l\u00e0 ti\u1ec1n l\u1eddi. V\u00ec v\u1eady \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf kho\u1ea3n ti\u1ec1n l\u1eddi n\u00e0y s\u1ebd gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u. V\u00ed d\u1ee5: N\u1ebfu b\u1ea1n l\u00e0m l\u01b0\u01a1ng $100,000 v\u00e0 tr\u1ea3 t\u1ed5ng c\u1ed9ng $20,000 ti\u1ec1n l\u1eddi (interest). V\u1eady b\u1ea1n ch\u1ec9 ph\u1ea3i \u0111\u00f3ng thu\u1ebf tr\u00ean $80,000 (taxable income). N\u1ebfu m\u1ee9c thu\u1ebf (tax bracket) c\u1ee7a b\u1ea1n l\u00e0 28% b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c $5,600 (28% c\u1ee7a $20,000)
B\u1ea1n \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111i\u1ec1u n\u00e0y cho 2 c\u0103n nh\u00e0: 1 c\u0103n \u1edf ch\u00ednh (primary residence), c\u0103n th\u1ee9 2 c\u00f3 th\u1ec3 l\u00e0 c\u0103n ngh\u1ec9 m\u00e1t, mobile home, t\u00e0u v.v\u2026 (mi\u1ec5n c\u00f3 ph\u00f2ng b\u1ebfp, gi\u01b0\u1eddng ng\u1ee7, ph\u00f2ng t\u1eafm).
\u0110\u1ed3ng th\u1eddi, IRS gi\u1edbi h\u1ea1n b\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p tr\u1eeb thu\u1ebf ti\u1ec1n l\u1eddi tr\u00ean n\u1ee3 nh\u00e0 t\u1ed1i \u0111a l\u00e0 $1 tri\u1ec7u \u0111\u1ed3ng. V\u00ed d\u1ee5: b\u1ea1n s\u1edf h\u1eefu m\u1ed9t c\u0103n nh\u00e0 v\u1edbi s\u1ed1 n\u1ee3 $2 tri\u1ec7u \u0111\u1ed3ng v\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n l\u1eddi h\u00e0ng n\u0103m l\u00e0 $70,000. B\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p tr\u1eeb ph\u00e2n n\u1eeda c\u1ee7a s\u1ed1 n\u00e0y l\u00e0 $35,000.<\/p>\n\n\n\n

2.Thu\u1ebf \u0111\u1ea5t (property tax)<\/strong>
\u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u00e1ng k\u1ec3 h\u00e0ng th\u00e1ng. B\u1ea1n \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf s\u1ed1 ti\u1ec1n n\u00e0y m\u1ed7i n\u0103m,<\/p>\n\n\n\n

2.Refinance (t\u00e1i t\u00e0i tr\u1ee3), equity loan<\/strong>
Th\u00f4ng th\u01b0\u1eddng, ti\u1ec1n l\u1eddi tr\u00ean nh\u1eefng lo\u1ea1i n\u1ee3 n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf. IRS gi\u1edbi h\u1ea1n b\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf ti\u1ec1n l\u1eddi tr\u00ean n\u1ee3 t\u1ed1i \u0111a l\u00e0 $100,000.<\/p>\n\n\n\n

3.Ch\u1ea5m (points)<\/strong>
Khi m\u01b0\u1ee3n n\u1ee3 \u0111\u1ec3 mua nh\u00e0, ho\u1eb7c x\u00e2y nh\u00e0. N\u1ebfu b\u1ea1n tr\u1ea3 ch\u1ea5m \u0111\u1ec3 mua m\u1ed9t ch\u1ec9 s\u1ed1 ti\u1ec1n l\u1eddi th\u1ea5p h\u01a1n (buydown the rate), b\u1ea1n c\u00f3 th\u1ec3 tr\u1eeb to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n n\u00e0y trong c\u00f9ng n\u0103m.<\/p>\n\n\n\n

Tr\u01b0\u1eddng h\u1ee3p mua ch\u1ea5m khi refinance, b\u1ea1n c\u0169ng \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf s\u1ed1 ti\u1ec1n n\u00e0y, tuy nhi\u00ean b\u1ea1n ph\u1ea3i chia \u0111\u1ec1u ra v\u00e0 tr\u1eeb trong 30 n\u0103m. (nguy\u00ean qu\u00e3ng \u0111\u01b0\u1eddng n\u1ee3). V\u00ed d\u1ee5: b\u1ea1n refinance v\u00e0 chi $2000 mua ch\u1ea5m. M\u1ed7i n\u0103m b\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c tr\u1eeb $66 ($2000\/30n\u0103m). M\u1ed9t con s\u1ed1 kh\u00f4ng \u0111\u00e1ng k\u1ec3
Tr\u01b0\u1eddng h\u1ee3p mua ch\u1ea5m khi l\u1ea5y n\u1ee3 equity (equity line of credit): N\u1ebfu b\u1ea1n d\u00f9ng s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u1ec3 tu s\u1eeda c\u0103n nh\u00e0, b\u1ea1n c\u00f3 th\u1ec3 tr\u1eeb t\u1ea5t c\u1ea3 s\u1ed1 ti\u1ec1n mua ch\u1ea5m trong n\u0103m. Tuy nhi\u00ean n\u1ebfu b\u1ea1n d\u00f9ng s\u1ed1 ti\u1ec1n m\u01b0\u1ee3n n\u00e0y cho m\u1ed9t vi\u1ec7c kh\u00e1c: nh\u01b0 mua xe v.v\u2026 th\u00ec b\u1ea1n ph\u1ea3i chia \u0111\u1ec1u ra v\u00e0 tr\u1eeb trong 30 n\u0103m nh\u01b0 tr\u01b0\u1eddng h\u1ee3p tr\u00ean.<\/p>\n\n\n\n

4. Khi b\u00e1n<\/strong>
Tr\u01b0\u1eddng h\u1ee3p mua nh\u00e0, \u1edf l\u00e2u v\u00e0 b\u00e1n c\u00f3 l\u1eddi.  Tr\u01b0\u1edbc \u0111\u00e2y, \u0111\u1ec3 tr\u00e1nh thu\u1ebf, b\u1ea1n ph\u1ea3i d\u00f9ng s\u1ed1 ti\u1ec1n b\u00e1n nh\u00e0 n\u00e0y mua m\u1ed9t c\u0103n kh\u00e1c. Sau n\u0103m 1997, lu\u1eadt cho ph\u00e9p b\u1ea1n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf l\u1ee3i t\u1ee9c (capital gain) n\u1ebfu l\u1eddi \u00edt h\u01a1n $250,000 (\u0111\u1ed9c th\u00e2n), v\u00e0 \u00edt h\u01a1n $500,000 (v\u1ee3 ch\u1ed3ng)
\u0110i\u1ec1u ki\u1ec7n: Ph\u1ea3i l\u00e0 nh\u00e0 \u1edf ch\u00ednh (primary residence). B\u1ea1n ph\u1ea3i s\u1edf h\u1eefu c\u0103n nh\u00e0 n\u00e0y \u00edt nh\u1ea5t l\u00e0 2 n\u0103m. V\u00e0 b\u1ea1n ph\u1ea3i \u1edf trong c\u0103n nh\u00e0 n\u00e0y 2 n\u0103m trong 5 n\u0103m g\u1ea7n nh\u1ea5t.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Mua m\u1ed9t c\u0103n nh\u00e0 \u0111\u1ec3 \u1edf l\u00e0 m\u1ed9t \u0111\u1ea7u t\u01b0 d\u1ec5 hi\u1ec3u nh\u1ea5t. T\u1eeb khi mua \u0111\u1ebfn l\u00fac b\u00e1n, b\u1ea1n s\u1ebd c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n thu\u1ebf l\u00ean \u0111\u1ebfn nhi\u1ec1u ch\u1ee5c ng\u00e0n. 1. Ti\u1ec1n l\u1eddi tr\u00ean n\u1ee3 nh\u00e0 (mortgage interest)Trong nh\u1eefng n\u0103m \u0111\u1ea7u, ph\u1ea7n l\u1edbn ti\u1ec1n nh\u00e0 tr\u1ea3 h\u00e0ng th\u00e1ng \u0111\u1ec1u l\u00e0 ti\u1ec1n […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-44","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/posts\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":1,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"predecessor-version":[{"id":45,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/posts\/44\/revisions\/45"}],"wp:attachment":[{"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}