Ikhredithi yeRhafu yeNgeniso eFunyenweyo (i-EITC) igunyazisa abantu abarhola umvuzo ophantsi kwityala lerhafu. Le ntengo yemboleko inokubanjiswa ngokuthi ifakwe kumyinge opheleleyo werhafu yengeniso umqeshi athe wayisusa kwintlawulo yomqeshwa, ngaloo ndlela kuncitshiswa inani lokubamba, okanye ibango lomqeshwa onelungelo kwirhafu yokubuyisa.
Isaziso sokuBamba iiKhredithi zeNgeniso eziFunyenweyo
Isaziso sokubamba iikhredithi zengeniso efumanekileyo luxwebhu olunikezwe ngumqeshi kumqeshwa. Umqeshi uthi umqeshi ukholelwa ukuba umqeshwa unelungelo lokuthenga ngetyala kwaye uya kuyibamba imali yakhe kwintlawulo yakhe. Ngokwenyani, kuba ikhredithi xa kuthelekiswa nerhafu, ayigcinwanga, kodwa endaweni yoko ibandakanyiwe kubalo lomqeshi ngesixa esifanelekileyo serhafu yengeniso ebanjelwe umqeshwa. Ngenxa yokuba ityala liyanciphisa uxanduva lwerhafu, linciphisa inani elipheleleyo lerhafu yengeniso umqeshwa ekufuneka ehlawule, ngalo ndlela yehlisa inani elibanjiweyo kumvuzo wakhe.
Amanqaku afanelekileyo- Imboleko yeNtlawulo yomntwana ngokuchasene neKhredithi yeNgeniso eFunyenweyo
- Ithetha ukuthini ukuba iMbuyekezo yam yeRhafu ye-IRS iphantsi koVavanyo
- Kutheni le nto ukubuyiswa kweRhafu ye-NYS kuHlolwa
Isaziso siya kukhutshwa kuye nawuphina umqeshwa athi umqeshi abambe ukuba ikhredithi ayibanjwanga. Iya kukhutshwa ngaphambi okanye ngaxeshanye nentlawulo yokuqala apho ifakwe khona. Akukho magama athile esaziso. Ngokubanzi, uxelela umqeshwa ukuba ngenxa yomqeshi kubandakanya nekhredithi ekubambeni kwakhe baya kuba sele belifumene ityala kunyaka ophelileyo, kwaye abanakuphinda benze njalo ekubuyeni kwabo.
Isaziso sokuBamba vs Isaziso se-EITC
Ukususela ngo-2008, urhulumente wephondo wayefuna bonke abaqeshi ukuba babonelele abasebenzi malunga nokufumaneka kweKhredithi yeNgeniso yeRhafu (i-EITC). Olu xwebhu kufuneka lubonelelwe ngu Qaphela i-797 , enesihloko esithi 'Ukubakho kweRhafu yeRhafu enokubakho ngenxa yeKhredithi yeNgeniso eFunyenweyo (EIC)'. Inika isishwankathelo ngokubanzi se-EITC kwaye ikhuthaza abasebenzi ukuba baphande ukufaneleka kwabo. Ikwachaza nomntwana oxhomekeke kuye kwaye ixoxe ngendlela yokwenza ibango letyala.
Esi saziso sohlukile kwesokubamba. Isaziso se-EITC sixelela umqeshwa malunga nekhredithi, kwaye asimxeleli ukuba umqeshwa wabo uyabandakanyeka ekubambeni kwakhe.
Ukuhlawulwa kweKhredithi yeNgeniso eFunyenweyo
I-EITC yikhredithi ekhoyo kwimodareyitha ukuya kubantu abanengeniso ephantsi. Ibango ekubuyiseni kwabo irhafu kwaye inciphisa inani elipheleleyo loxanduva lwabo lwerhafu. Iyabuyiselwa imali ukuba iyanciphisa uxanduva phantsi kweqanda. Ikhredithi iyafumaneka kubo bonke abasebenzi, kubandakanya nabo bazisebenzelayo, abaxhasa umntu oxhomekeke kuye okanye kungenjalo bahlangabezana nezikhokelo zokufaneleka, kubandakanya umvuzo omkhulu.
Imali yekhredithi ixhomekeke kumvuzo womqeshwa kunye nenani labantwana abaxhasayo, ukuba bakhona. Abenzi-mabango ngaphandle komntwana oxhomekeke kuye mababe phakathi kweminyaka engama-25 ukuya kuma-65, bangafunyanwanga njengabaxhomekeke kuyo nayiphi na enye irhafu kwaye bahlala eUnited States uninzi lonyaka. Imali yekhredithi ixhomekeke kwimeko yokugcwaliswa komqeshwa: ukungatshati okanye ukutshata ngokugcwalisa ngokudibeneyo.
Ukuba bayamxhasa umntwana, umntwana kufuneka ahlangabezane nemithetho yeNkonzo yangaphakathi yeNgeniso (IRS) 'yomntwana oxhomekeke kuye': umntwana ungaphantsi kweminyaka eli-19, okanye akukho ngaphezulu kwama-25 ukuba ungumfundi osisigxina, onxulumene nomsebenzi ngegazi okanye ngokwamkelwa kwaye uhlala uninzi lonyaka eUnited States.
Nyaka ngamnye omtsha Imida yengeniso ye-EITC kunye nexabiso lekhredithi zibekwe yi-IRS.
sukela iintlawulo zekhadi letyala ngefowuni
Isaziso sokuBamba
Ukuba ufumana isaziso sokuyibamba i-EITC, ngokobuchwephesha akufuneki wenze nto ukuphendula. Ikhredithi yakho iya kusasazeka ngokulinganayo ngaphezulu kwentlawulo yakho. Nokuba awuzokwazi ukwenza ibango ekubuyeni kwakho, ufumana isibonelelo sekhredithi.
Unokukhetha ukungalibangi ikhredithi. Kule meko, kuya kufuneka wazise umqeshi wakho ukuba awunqweneli ukuba ikhredithi ibandakanywe ekubanjweni kwakho. Umqeshi wakho kufuneka alandele izicelo zakho malunga neerhafu zakho, kwaye ngenxa yoko ziya kutshintsha ukubamba kwakho ngokufanelekileyo. Kuya kufuneka utyikitye uxwebhu oluqinisekisa ukuba awufuni ukubanga ikhredithi.
Ukuba uyeka ikhredithi ekubambeni kwakho, usenokubanga nayiphi na imali eshiyekileyo kwimbuyekezo yakho yerhafu. Ukwenza njalo kunciphisa uxanduva lwakho lwerhafu.
