Akukho bungqina bokubambisa imali yengeniso ngo-2021
Abafaki-zicelo kufuneka babe baqeshwe ngemvumelwano yexesha elimiselweyo ubuncinane beenyanga ezili-12. Ukuba abakhange benze njalo, kufuneka babeneenyanga ezingama-24 ubuncinane ezishiyekileyo kwikhontrakthi yabo yangoku. Amathuba phakathi kweekhontrakthi kwiinyanga ezili-12 zokugqibela azikwazi ukudibanisa ngaphezu kweeveki ze-12.
^Ukuba umxhasi wakho sele ene-akhawunti yokujonga kwiLizwe lonke okanye imali yokubambisa, akukho mfuneko yokuba ubabonelele ngeengxelo zabo ukuba ziveliswe njengemfuno yetyala. Gcwalisa ngokulula ifomu yethu yesaziso seshishini elitsha, emva koko uskene kwaye uncamathele ukususa imfuneko.
Nanini na kusenzeka, siyakuzama ukuqinisekisa umvuzo womthengi wakho sisebenzisa ulwazi olunamaziko amatyala. Ukuba sinokuqinisekisa ngokwanelisayo ingeniso exeliweyo yomthengi wakho, asiyi kufuna nabuphi na ubungqina bomvuzo.
*Ukuba umxhasi unesabelo se-20% okanye ngaphantsi, siya kubaphatha "njengabaqeshwa" kwaye sisebenzise i-payroll (s) yabo ukuqinisekisa umvuzo njengoko kusebenza. Ukuba ingeniso ye-payroll ayanelanga ukuthethelela imali-mboleko eceliweyo, siya kubathatha njengabaziqeshileyo, umzekelo, xa kufuneka sithathele ingqalelo ingeniso ye-dividend.
I-Deductible PB Iindleko zoXolelo lweMali-mboleko
Ekuphela kwendlela yokwazi ngokuqinisekileyo ukuba yimalini na imali onokuthi uyihlawule ngomvuzo wakho kukuthetha nombolekisi. Baza kufunda yonke imiba yemeko yakho yezemali ukubala eyona mali ichanekileyo onokuyiboleka.
Ukuba unalo naliphi na ityala, elifana nentlawulo yemoto, imali-mboleko yomfundi okanye intlawulo yekhadi letyala, ababolekisi-mali baya kuthabatha ezo ndleko kumvuzo wakho wenyanga phambi kokubala isixa sentlawulo yokubambisa onokufikelela kuyo.
Kodwa makhe sibone eminye imizekelo isebenza. Senza zonke izinto esicingela ngazo ebesizisebenzisile kwimizekelo yethu yangaphambili, ngaphandle kweendleko zenyanga ezingenakuthintelwa ($300) kunye nenzala efanelekileyo.
Umvuzo wobuxoki kwi-mortgage
Ngaba ucinga ukuba umvuzo wakho uya kukunciphisa amandla akho okuthenga ikhaya? Isixa semali osenzayo sidlala indima encinci kunokuba ucinga xa kufikwa ekufumaneni imali-mboleko. Makhe sibone ukuba ingeniso ikuchaphazela njani xa uthenga indlu ekufanelekela kakhulu.
Ababolekisi bajonga kakhulu kunomvuzo wakho xa uthenga ikhaya. Umlinganiselo wetyala lakho kwingeniso (DTI) kunye nokukwazi kwakho ukwenza iintlawulo zokubambisa kubaluleke kakhulu kunomvuzo wakho. Baza kuthathela ingqalelo amanqaku akho etyala kunye nemali onayo yentlawulo ephantsi.
Isiqalo esilungileyo kukufumana ukwamkelwa kwangaphambili, ngakumbi ukuba awuqinisekanga ukuba ungafumana imali-mboleko kumvuzo wakho wangoku. Imvume yangaphambili yileta evela kumbolekisi wendlu ekuxelela ukuba yimalini onokuyiboleka. Xa uvunywe kwangaphambili, ababolekisi bajonga umvuzo wakho, ingxelo yetyala, kunye ne-asethi. Oku kuvumela umbolekisi ukuba akunike uqikelelo oluchanekileyo lokuba lingakanani na ikhaya onokuthi ulihlawule.
Ukwamkelwa kwangaphambili kuya kukunika uhlahlo lwabiwo-mali olufanelekileyo onokulusebenzisa xa uqala ukukhangela ikhaya. Nje ukuba uyayazi ibhajethi ojolise kuyo, ungakhangela kumakhaya athengiswayo ukuze ubone ukuba ngawaphi amaxabiso ngokubanzi. Luphawu oluhle lokuba ukulungele ukuthenga ukuba ufumana iinketho ezinomtsalane kuluhlu lwamaxabiso akho.
Zingaphi ii-payrolls ezifunekayo kwi-mortgage loan
Uncedo lweCoronavirus, Uncedo, kunye noMthetho woKhuseleko lwezoQoqosho (“uMthetho weCARES”), iphakheji yoncedo lwe-coronavirus ebanzi esayinwe nguMongameli uTrump nge-27 kaMatshi 2020, ibandakanya phakathi kwezibonelelo zayo “iNkqubo yokuKhusela uMsebenzi.” Ukuhlawula, isithuthi esibalulekileyo. kubaqeshi abathile abanabasebenzi abangaphantsi kwama-500 ukuba baqhubeke behlawula abasebenzi kwaye bahlawule iindleko ezithile ngemboleko exolelekayo.
Inkqubo yoKhuseleko lwePaycheck idala udidi olutsha lweemali-mboleko eziqinisekiswe nguLawulo lwamaShishini amaNcinci (i-"SBA"). Iimali-mboleko ezitsha azikhuselwanga (akukho sibambiso sifunekayo), azifuni naziphi na iziqinisekiso zomntu, kwaye ziyafumaneka kumashishini ebekade engafanelanga ukubolekwa yi-SBA ngaphambili. Kubalulekile ukuqaphela ukuba imali-mboleko inokuxolelwa ngokupheleleyo okanye inxenye ukuba imali efunyenwe kwezi mboleko isetyenziselwa ukuqhubeka nokuhlawula okanye ukuhlawula ezinye iindleko zoshishino.
Amashishini afanelekileyo. Iimali-mboleko ze-SBA eziqhelekileyo zilinganiselwe "kumashishini amancinci." Inkqubo yoKhuseleko lwePayroll yandisa eli thuba ukubandakanya onke amashishini, imibutho engenzi nzuzo, imibutho yamagqala, kunye namashishini ezizwe. "Inkampani" liziko leshishini elilungiselelwe inzuzo, elinendawo yoshishino eMelika, kwaye lisebenza ngokuyintloko ngaphakathi eMelika, kwaye linokucwangciswa njengeshishini lodwa, intsebenziswano, inkampani enetyala elilinganiselweyo, iqumrhu, intsebenziswano. , umbutho, intembeko okanye intsebenziswano.
