Ngingakwazi ukuthenga indlu engasebenzi?
Enye indlela kungase kube ukuqala ngokufaka isicelo sokubolekwa imali ye-PPP, usebenzise izinzuzo zokukhokhelwa emavikini angu-8 asebenzayo ukuze uzikhokhele, bese ufaka isicelo sezinzuzo zokungasebenzi ngemva kokuba izimali ze-PPP seziphelile. Kodwa futhi, akukho nhlangano kahulumeni enikeze noma yisiphi isiqondiso mayelana nalesi senzo. I-LCA izoqhubeka nokubuyekeza le FAQ njengoba isimo siqhubeka nokuvela.
Ngaphambi kokuthi kushaywe umthetho we-federal CARES Act, isisebenzi se-W-2 e-Illinois sasinelungelo lokuthola amasonto angama-26 ezinzuzo ngemva kokulahlekelwa umsebenzi. Umthetho we-CARES unwebe isikhathi lapho isisebenzi esinelungelo lokuthola izinzuzo singazithola sisuka emavikini angama-26 kuye kwangama-39. Iphinde yanikeza enye imali engu-$600 ezinzuzweni zamasonto onke zalabo abathola izinzuzo ezivamile zokungasebenzi, futhi yanikeza amasonto angu-13 engeziwe ezinzuzo zokungasebenzi kulabo ababekade beziqedile izinzuzo zabo zokungasebenzi ngaphambilini.
Ingxenye yosizo oluwubhubhane lokuntuleka kwemisebenzi yoMthetho we-CARES ibona usizi lwabasebenzi abadiliziwe abangaqashiwe, futhi inikeza izinzuzo ezithile ngohlelo lwesinxephezelo sokungasebenzi.
Abahlinzeki Bomshwalense Wokungaqashwa Kwezindlu
Uma njengamanje unemali mboleko evamile—esekelwa u-Fannie Mae noma u-Freddie Mac—futhi ungasebenzi, cishe uzodinga ubufakazi bomsebenzi wakho omusha nemali engenayo yesikhathi esizayo ngaphambi kokuba ubuyisele imali oyibolekile.
Nokho, kusafanele uhlangabezane nomthetho womlando weminyaka emibili. Uma isisebenzi setoho singabhala ukuthi besilokhu sithola izinkokhelo zokungasebenzi okungenani iminyaka emibili, lokhu kungase kucatshangelwe lapho kufakwa isicelo semali mboleko.
Nakuba imali engenayo yokungasebenzi ingalinganiswa phakathi neminyaka emibili edlule kanye nonyaka kuze kube manje, umbolekisi kufanele aqinisekise imali engenayo evela emsebenzini wamanje kumkhakha ofanayo. Lokhu kusho ukuthi kufanele uqashwe ngesikhathi ufaka isicelo.
Ukuze lokhu kusebenze, izinkokhelo zakho zanyanga zonke zokukhubazeka—kungakhathaliseki ukuthi zivela kumshwalense wakho wokukhubazeka wesikhathi eside noma ezivela ku-Social Security—kufanele zihlelelwe ukuqhubeka okungenani iminyaka emithathu eyengeziwe.
Nakulokhu, uzodinga ukukhombisa ukuthi izinkokhelo zanyanga zonke zihlelelwe ukuqhubeka eminye iminyaka emithathu. Kungase kudingeke ukuthi ubonise ukuthi ubuthola izinkokhelo njalo eminyakeni emibili edlule.
Izindleko ze-mortgage unemployment insurance
Amadokhumenti adingekayo kumthombo ngamunye wemali engenayo achazwe ngezansi. Amadokhumenti kufanele asekele umlando wamarisidi, uma kusebenza, kanye nenani, imvamisa, nobude besikhathi samarisidi. Ukwengeza, ubufakazi bokutholwa kwemali engenayo kufanele butholwe ngokuhambisana nenqubomgomo yeminyaka evumelekile yamadokhumenti esikweletu, ngaphandle uma kukhishwe ngokuqondile ngezansi. Bona i-B1-1-03, Iminyaka Evumelekile Yamadokhumenti Esikweletu kanye Nezimbuyiselo Zentela Yombuso, ukuze uthole ulwazi olwengeziwe.
Qaphela: Noma iyiphi imali engenayo etholwe umboleki ngohlobo lwemali ebonakalayo, njengama-cryptocurrencies, ayifaneleki ukuthi isetshenziselwe ukufaneleka ukubolekwa. Kulezo zinhlobo zemali engenayo ezidinga izimpahla ezanele ezisele ukuze kutholwe ukuqhubeka, lezo zimpahla azikwazi ukuba ngohlobo lwemali ebonakalayo.
Buyekeza umlando wokukhokha ukuze unqume ukufanelekela imali engenayo efanelekile. Ukuze kubhekwe iholo elizinzile, izinkokhelo ezigcwele, ezivamile nezifike ngesikhathi kufanele zibe sezitholakele izinyanga eziyisithupha noma ngaphezulu. Imali engenayo etholwe isikhathi esingaphansi kwezinyanga eziyisithupha ibhekwa njengengazinzile futhi ayikwazi ukusetshenziselwa ukufaneleka umboleki kwi-mortgage. Futhi, uma izinkokhelo ezigcwele noma ingxenye zenziwa ngokuguquguqukayo noma ngezikhathi ezithile, imali engenayo ayamukeleki ukufaneleka komboleki.
Ungayithola kanjani imali mboleko yezindlu ngaphandle kweminyaka emi-2 yokuqashwa ngo-2020
Kubantu abazisebenzayo noma abanezinkathi ezithile zonyaka, noma labo abanegebe lomsebenzi, ukufaka isicelo semali mboleko kungaba yinto ebuhlungu kakhulu. Ababolekisi bezindlu ezibolekiwe njengokuqinisekisa ukuqashwa okulula kanye neminyaka embalwa yama-W-2 lapho becubungula isicelo semali mboleko yezindlu, ngoba babheka njengengozi encane kunezinye izinhlobo zemisebenzi.
Kodwa njengomboleki, awufuni ukujeziswa ngokungawutholi umsebenzi lapho uqiniseka ngokuthi uyakwazi ukukhokha imali ebolekiwe yokuthenga umuzi, noma uma ufuna ukubuyisela imali mboleko yakho ukuze wehlise izinkokhelo zenyanga. Izinkokhelo ezincane zokubolekwa kwemali zingasiza ikakhulukazi uma usanda kulahlekelwa umsebenzi futhi ukhathazekile ngesabelomali sakho sanyanga zonke.
Ukuthenga noma ukuxhasa kabusha indawo yakho yokuhlala ngesikhathi ungasebenzi kuyinto engenakwenzeka, kodwa kuzodinga umzamo owengeziwe kanye nokusungula ukuze kuhlangatshezwane nezidingo ezijwayelekile zokukhokha kabusha. Ngeshwa, ababolekisi abavamisile ukwamukela imali engenayo yokungasebenzi njengobufakazi beholo lemalimboleko yakho. Kukhona okuhlukile kubasebenzi besizini noma abasebenzi abayingxenye yenyunyana. Nawa amanye amasu ongawasebenzisa ukukusiza ukuthi uthole noma uxhase ngemalimboleko yakho ngaphandle komsebenzi.
