Ndingatenga imba ine urovha here?
Imwe nzira inogona kunge iri yekutanga kukumbira chikwereti chePPP, shandisa mabhenefiti ekubhadhara kwemavhiki masere kuti uzvibhadhare, wozonyorera mabhenefiti ekusashanda mushure mekunge mari yePPP yapera. Asi zvakare, hapana sangano rehurumende rakapa chero nhungamiro maererano nekuita uku. LCA icharamba ichivandudza iyi FAQ sezvo mamiriro ezvinhu ari kuramba achishanduka.
Mutemo wemubatanidzwa weCARES usati wadzikwa, mushandi weW-2 muIllinois aive nekodzero yemavhiki makumi maviri nematanhatu emubhadharo mushure mekurasikirwa nebasa. Mutemo weCARES wakawedzera nguva iyo mushandi ane kodzero yekubatsirwa anogona kuiwana kubva pamavhiki makumi maviri nematanhatu kusvika makumi matatu nemapfumbamwe. Yakapawo imwezve madhora mazana matanhatu ezvibatsiro zvevhiki nevhiki kune avo vanogarowana mabhenefiti okurovha, uye yakapa mamwe mavhiki 26 okuwedzera mabhenefiti okurovha kune avo vakanga vambopedza mibairo yavo yokurovha.
Denda rekubatsira kushaya mabasa chikamu cheCARES Act chinocherekedza dambudziko revashandi vakasimwa basa vasingashandiswe, uye rinopa mamwe mabhenefiti kuburikidza nehurongwa hwekuripa vanhu vasina basa.
Mortgage Urovha Inishuwarenzi Vanopa
Kana iwe parizvino uine chikwereti chakajairika-chinotsigirwa naFannie Mae kana Freddie Mac-uye iwe usingashandi, ungangoda humbowo hwebasa rako idzva nemari yeramangwana usati wagadzirisa chikwereti chako.
Nekudaro, iwe uchiri kufanirwa kusangana neiyo makore maviri enhoroondo mutemo. Kana mushandi wenguva pfupi achigona kunyora kuti akagara achitambira mari dzekurovha kweanenge makore maviri, izvi zvinogona kufungwa nezvazvo paunenge uchinyorera imba yemba.
Nepo mari yekusashanda inogona kuverengerwa mumakore maviri apfuura uye gore-kusvika-zuva, mukweretesi anofanira kuona mari kubva kune razvino basa mumunda mumwe chete. Izvi zvinoreva kuti unofanira kushanda panguva yaunonyorera.
Kuti izvi zvishande, mubhadharo wako wepamwedzi wekuremara — ungave kubva kwauri wega inishuwarenzi yekuremara yenguva refu kana kubva kuSocial Security — inofanirwa kurongwa kuti ienderere mberi kweanenge mamwe makore matatu.
Zvekare, iwe uchafanirwa kuratidza kuti mari yekubhadhara pamwedzi yakarongerwa kuenderera kwemamwe makore matatu. Iwe unogona zvakare kuratidza kuti wanga uchigamuchira mubhadharo nguva nenguva kwemakore maviri apfuura.
Mutengo we mortgage unemployment insurance
Mapepa anodiwa kune yega yega yekuwana mari anotsanangurwa pazasi. Zvinyorwa zvinofanirwa kutsigira nhoroondo yemarisiti, kana zvichibvira, uye huwandu, frequency, uye nguva yemarisiti. Pamusoro pezvo, humbowo hwekugamuchira mari kwazvino hunofanira kuwanikwa maererano negwaro rezera rinotenderwa nemagwaro echikwereti, kunze kwekunge zvisina kunyatsobatanidzwa pazasi. Ona B1-1-03, Inobvumirwa Zera reChikwereti Documents uye Federal Tax Returns, kuti uwane rumwe ruzivo.
Ongorora: Chero mari inotambirwa nemukwereti iri muchimiro chemari chaiyo, senge cryptocurrencies, haikodzere kushandiswa kukodzera chikwereti. Kune idzo mhando dzemari dzinoda midziyo yakasara kuti itange kuenderera mberi, izvo zvinhu hazvigone kunge zviri muchimiro chemari chaiyo.
Ongorora nhoroondo yekubhadhara kuti uone kukodzera kuwana mari yakagadzikana inokodzera. Kuti uonekwe mari yakagadzikana, mari yakazara, yenguva dzose uye nenguva inofanirwa kunge yagamuchirwa kwemwedzi mitanhatu kana kupfuura. Mari inotambirwa kwemwedzi isingasviki mitanhatu inoonekwa seisina kugadzikana uye haigone kushandiswa kuita kuti mukwereti awane chikwereti chemba. Zvakare, kana kubhadhara kwakazara kana chidimbu kuchiitwa zvisingawirirane kana nguva nenguva, mari inowanikwa haigamuchirwe kuti inokodzera mukwereti.
Maitiro ekutora chikwereti chemba pasina makore maviri ebasa 2
Kune vanhu vanozvishandira kana vemwaka, kana avo vane gaka rebasa, kukumbira chikwereti kunogona kuva chiitiko chinotyisa. Vakweretesi vemortgage senge nyore kuongororwa basa uye makore mashoma eW-2s kana vachifunga nezve chikumbiro chechikwereti chemba, nekuti vanozviona sezvisina njodzi pane mamwe marudzi ebasa.
Asi semukwereti, haudi kupihwa chirango chekusava nebasa kana uine chivimbo mukukwanisa kwako kubhadhara chikwereti cheimba, kana kana uchida kudzorerazve chikwereti chako kuti uderedze mari yechikwereti chemwedzi wega wega. Kubhadhara kwechikwereti chidiki kunogona kunyanya kubatsira kana uchangobva kurasikirwa nebasa uye uchinetseka nezvebhajeti yako yemwedzi.
Kutenga kana kudzosera mari yako yembavha iwe usingashandi hazvigoneke, asi zvinotora kanguva kadiki uye nehunyanzvi kuzadzisa zvakajairwa kudzoreredza zvinodiwa. Nehurombo, vanokweretesa havawanzo gamuchira mari yekurovha sehumbowo hwemari yechikwereti chako. Pane kunze kwevashandi vemwaka kana vashandi vari chikamu chemubatanidzwa. Heano mamwe maitiro aungashandisa kukubatsira kuti uwane kana kudzorera chikwereti chako pasina basa.
