Https www ukuba co uk imali yerhafu yerhafu yomvuzo wokubala ad9xh2l9wxxr
Kwenzeka ntoni xa ndingena kwiindleko ezinxulumene nomsebenzi wam? Ihlaziywe nge-12 ka-Epreli 2022IngqeshoUkuba ungumsebenzi kwaye uzifaka kwiindleko ezithile zoshishino ngokwakho umqeshi wakho engazibuyiseli kuzo, usenokufumana isiqabu kwirhafu. Oku kusebenza kuphela kwiindleko zoshishino ezinxulumene nokusebenza komsebenzi wakho. Ngezantsi sichaza isiqabu.
Uncedo lwerhafu lubandakanya ukutsalwa kwesixa seendleko kumvuzo wakho wokuqeshwa. Oku kunciphisa umvuzo wakho orhafiswayo kunye neerhafu ekufuneka uzihlawule. Yiyo loo nto ngamanye amaxesha kuthiwa ziindleko "ezinokutsalwa" okanye "ezivumelekileyo". Kusenokufuneka wenze isicelo sokufumana olu ncedo lwerhafu. Apha ngezantsi, sixoxa ngeentlobo ezahlukeneyo zeendleko zomsebenzi ezixhuzulwayo kwaye sicacise ukuba ungasifaka njani isicelo soncedo lwerhafu. Kuba uncedo lusebenza ngokunciphisa umvuzo wakho orhafiswayo, awunakufumana nasiphi na isiqabu kwezi ndleko ukuba awungomhlawuli werhafu.
Imigaqo yokwenza ibango leendleko ngokuchasene nomvuzo owufumeneyo ingqongqo kakhulu. Umgaqo jikelele ngowokuba iindleko mazingenwe "ngokupheleleyo, ngokukodwa kwaye ngokuyimfuneko" xa besenza imisebenzi yabo. Oku kuthetha ukuba nawuphi na umntu owenza umsebenzi wakho kuya kufuneka angene kwiindleko kwaye kwenzeke xa esenza imisebenzi yakhe, kunokuba abeke wena kwindawo yokuyenza.
Ukutsalwa kwerhafu
Xa i-mortgage loan ihlaziywa, iintlawulo zenziwa phantse yonke inzala kwaye kungekhona inqununu kwiminyaka embalwa yokuqala. Nasemva kwexesha, inxalenye yenzala isenokuba yinxalenye ebalulekileyo yeentlawulo zakho. Nangona kunjalo, unokutsala inzala oyihlawulayo ukuba imali-mboleko ihlangabezana neemfuno ze-IRS zokubambisa.
Ukuze iintlawulo zakho zokubambisa zibe phantsi kokutsalwa kwenzala, imali-mboleko kufuneka igcinwe likhaya lakho, kwaye imali efunyenwe kwimali-mboleko kufuneka isetyenziselwe ukuthenga, ukwakha, okanye ukuphucula indawo yakho yokuhlala esisiseko, kunye nelinye ikhaya okukokwakho kananjalo ukusebenzisela iinjongo zakho.
Ukuba urenta ikhaya lakho lesibini kubaqeshi apha enyakeni, ngoko ke alisetyenziselwa iinjongo zobuqu kwaye awunalungelo lokuxhuzulwa kwinzala yemali-mboleko. Nangona kunjalo, amakhaya aqeshisayo anokutsalwa ukuba uyawasebenzisa njengendawo yokuhlala ubuncinci beentsuku ezili-15 ngonyaka okanye ngaphezulu kwe-10% yeentsuku oziqeshisa ngazo kubaqeshi, nokuba yeyiphi na enkulu.
I-IRS ibeka imida eyahlukeneyo kwisixa senzala onokuthi uyitsale ngonyaka. Kwiminyaka yerhafu phambi kuka-2018, inzala ehlawulwe ukuya kuthi ga kwi-100.000 yezigidi zeedola zokufumana ityala liyatsalwa ukuba uyatsalwa. Inzala kwimali eyongezelelweyo yeedola ezili-XNUMX etyaleni inokutsalwa ukuba iimfuno ezithile ziyafezekiswa.
Indlela yokuhlawula irhafu encinci e-UK
Ukuba unomvuzo ophantsi okanye ophakathi, i-Earned Income Tax Credit (EITC) ingakunceda unciphise isixa serhafu osibambayo. Ukwenza oku, kufuneka uhlangabezane neemfuno ezithile kwaye ufake imbuyekezo yerhafu. Nokuba awutyalanga okanye awunyanzelekanga ukuba ufayilishe nayiphi na irhafu, kufuneka ufayilishe imbuyekezo ukuze uyifanelekele. Ukuba i-EITC yehlisa iirhafu zakho ngaphantsi kweqanda, usenokufumana imbuyiselo. Qaphela: Ungasebenzisa umvuzo wakho ka-2019 okanye ka-2021 ukuze ube ne-EITC yakho. Ngaba ndifanelekile ukuba ungene kwi-EITC? Ufanelekela i-EITC ukuba: Unemigaqo ekhethekileyo: Ukufumana uncedo nge-EITCU Sebenzisa uMncedisi we-EITC ukufumanisa:
Inkuthazo yerhafu enxulumene namandla inokwenza uphuculo lwamandla asekhaya kunye neshishini lufikeleleke ngakumbi. Kukho iikhredithi zokuthenga izixhobo zombane ezisebenzayo kunye nokwenza uphuculo lokonga umbane Fumanisa ukuba uyakufanelekela ukufumana inkuthazo yesizwe, yasekhaya, yasekuhlaleni, okanye yomanyano. ezi zithengela ikhaya lakho. Ezi khredithi zerhafu zisebenza kude kube ngu-2021: inkuthazo yerhafu yamandla kwi-biodiesel kunye ne-diesel ehlaziyekayo yandiswe kude kube ngu-2022.
ibango lengeniso
Ukuba unemali mboleko yendlu kwaye uhlawule inzala kuyo, unokutsala yonke okanye ubuncinci inxalenye yenzala. Indlela ogqiba ngayo ukutsalwa ixhomekeke kwindlela olisebenzisa ngayo ikhaya lakho.
Ungafaka ibango leendleko zenzala kwimali-mboleko yendlu ukuba uyithathele ukuzithengela ikhaya elisisigxina okanye usapho lwakho okanye uhlawulele ukulungiswa kwendlu enkulu. Ayinamsebenzi nokuba ikhaya likhaya losapho olunye okanye likwinkampani yezindlu.
Inxalenye exhuzulwayo yenkcitho yenzala ithatyathwa ikakhulu kumvuzo wakho omkhulu. Nangona kunjalo, ukuba awunayo loo ngeniso okanye ukuba iindleko zakho zenzala zingaphezulu komvuzo oyinkunzi owufumanayo, uya kuthathwa njengokusilela kwingeniso yenkunzi. I-30% yale ntsilelo itsalwa kwirhafu yengeniso yakho kwingeniso yomvuzo kunye nomnye umvuzo owufumeneyo.
Ukuba uboleke imali ukuze uthenge ikhaya ukuze uliqeshe, unokutsala nayiphi na inkcitho yenzala esebenzayo. Oku kuthathwa njengemali-mboleko evelisa ingeniso, okuthetha ukuba ufumana ingeniso erhafiswayo kutyalo-mali olwenzileyo ngeemali ezibolekiweyo. Umzekelo, ukuba urenta indlu onayo kwaye ufumana umvuzo wokurenta, oko kuthathwa njengemveliso yengeniso.
