W2 kapena chidule cha ndalama zobwereketsa
Nthawi zambiri, wobwereketsa adzatsimikizira kuti zobweza zamisonkho zasainidwa ndikutsimikiziridwa ndikuthandizidwa ndi zidziwitso zowunika. Ichi ndi cheke chosavuta chachinyengo kuti muwonetsetse kuti ndi misonkho yomwe mudapereka ku Australian Tax Office.
Apa ndipamene mabanki amapanga kusiyana kwakukulu momwe amawerengera msonkho wanu. M'mwezi wa Marichi kapena Epulo chaka chilichonse, obwereketsa ambiri amayamba kupempha kubweza msonkho kwa chaka chomaliza cha msonkho. Mpaka pamenepo, mutha kupereka zikalata zamisonkho zapachaka.
Mmodzi wa obwereketsa athu amangokufunsani kuti mupereke msonkho wa chaka chimodzi (osapitirira miyezi 18), zomwe ndizothandiza kwa anthu omwe adakhala ndi chaka choyipa kapena angoyamba kumene bizinesi yawo.
Tili ndi mapangano apadera ndi ena mwa obwereketsa athu omwe amalola obwereketsa kuti apereke zolemba zina zangongole 90% ndipo, kwa wobwereketsa, ngongole mpaka 95% yamtengo wogulira malowo.
» …Anatha kutipeza mwachangu komanso mosavutikira pangongole pa chiwongola dzanja chabwino pomwe ena amatiuza kuti zikhala zovuta. Ndidachita chidwi kwambiri ndi ntchito yawo ndipo ndingalimbikitse Akatswiri a Ngongole Yanyumba mtsogolo ”
Mortgage kwa statement ya ndalama
Mukapempha ngongole yanyumba, wobwereketsa wanu angakufunseni kuti mupereke zolemba zandalama, zomwe zingaphatikizepo kubweza msonkho wazaka chimodzi kapena ziwiri. Mwinamwake mukudabwa momwe misonkho imeneyo ingakhudzire ntchito yanu yobwereketsa nyumba. Timakufotokozerani.
Zolemba zanu zamisonkho, pamodzi ndi zolemba zina zilizonse zachuma. pa pempho lanu la chiwongola dzanja, amagwiritsidwa ntchito kudziwa kuchuluka kwa ndalama zomwe mungagwiritse ntchito pa ngongole yanu yanyumba mwezi uliwonse. Chifukwa ngongole yobwereketsa imakupatsirani kulipira kwazaka zambiri, obwereketsa amafuna kuwonetsetsa kuti ngongole yanu ndi yotsika mtengo pano komanso zaka zikubwerazi.
Kutengera momwe ndalama zanu zilili, titha kukufunsani zolemba zina. Mwachitsanzo, ngati muli ndi ndalama zogulira malo, mungafunike kutumiza zolemba za Ndandanda E kuyambira zaka ziwiri zapitazi. Ngati muli odzilemba ntchito, mungafunike kutumiza makope a ndondomeko yanu ya phindu ndi kutayika. Kumbali ina, ngati simukuyenera kubweza msonkho, obwereketsa angagwiritse ntchito zolemba zanu zamisonkho m'malo mwake. Ngati ndinu wodzilemba ntchito, muli ndi bizinesi, kapena muli ndi ndalama kuchokera kuzinthu zina (monga ndalama zobwereka kapena chiwongola dzanja chachikulu), mutha kufunsidwa kuti mubweze msonkho pamodzi ndi zolemba zina. Nawa chitsogozo cha zomwe obwereketsa angafunike pazochitika zanu.
Obwereketsa omwe safuna ndondomeko ya ndalama
Anthu ambiri amaganiza kuti simungapeze ngongole ngati simupereka msonkho wazaka ziwiri zapitazi. Komabe, pali njira zopezera ngongole kwa anthu omwe sangathe kupereka zobweza zamisonkho kapena ngati zobweza zawo zamisonkho sizikuwonetsa ndalama zokwanira kuti athe kubweza ngongole.
Obwereketsa omwe amapereka ngongole zanyumba zopanda msonkho nthawi zambiri amapangira mapulogalamu angongole a anthu odzilemba okha. Nthaŵi zambiri, amakhala ndi ndalama zambiri zochotsera mabizinesi zomwe zimachepetsa ndalama zomwe amapeza mpaka misonkho imawonetsa ndalama zochepa kapena kutayika.
Obwereketsa omwe amapereka ngongole zomwe sizikufunika kusungitsa amamvetsetsa kuti ndalama zomwe mumapeza pakubweza msonkho sizofunikira monga kuchuluka kwa ndalama zomwe mumabweretsa mwezi uliwonse. Chifukwa chake, m'malo mwake amapempha kuti awone zikalata zaku banki pakati pa miyezi 12 ndi 24. Ndi njira yabwino yopezera ndalama kunyumba yamaloto anu popanda kubweza msonkho.
Lumikizanani nafe kuti mudziwe zambiri zomwe mungasankhe kapena kuti mudziwe kuti chiwongola dzanja chanu chingakhale chotani. Ngati mungathe, lembani mwachangu fomu yomwe ikuwonekera kumanja kapena pansi pazenera ngati mukuwerenga pa foni yam'manja. Tidzakulumikizani nthawi yomweyo.
Kodi ndingapeze nyumba yobwereketsa ndi misonkho yomwe sinafotokozedwe?
Ngati ndalama zomwe mumapeza sizikupitilira malire omwe amapeza zomwe IRS zimapeza, mutha kulumpha kubweza msonkho wanu wa federal. Zopeza zimatengera zaka zanu, momwe mungakhalire m'banja komanso mtundu wa ndalama zomwe mwalandira.
Koma ngakhale simukuyenera kubweza, muyenera kuganizira zokasunga, chifukwa ngati simutero mutha kusiya ndalama kuchokera kumisonkho monga Recovery Tax Credit kapena Child Tax Credit patebulo.
Mafayilo osakwatiwa sayenera kubweza msonkho ngati ndalama zomwe amapeza sizikupitilira kuchotsedwa kwanthawi zonse kwa $12.550, kapena $25.100 ngati okwatirana akulemba limodzi. Izi zimawonjezeka ngati inu ndi mwamuna kapena mkazi wanu muli ndi zaka zoposa 65: Zimayambira pa $ 27.800 kuti mulembetse pamodzi.
"Nthawi zina izi zimachitika chifukwa ndalama zomwe amapeza zimakhala zochepa kapena chifukwa cha ndalama zomwe amapeza," akutero Curtis. "Mwachitsanzo, Social Security ili ndi malire a msonkho, kotero ngati ndiye gwero lalikulu la ndalama za munthu, sangafunikire kubweza msonkho."
