Imali Yenjongo Yokubuyisela Imbuyekezo Yentlawulo

Ukufikelela ngokukhawuleza kwiCash, kodwa kwixabiso lentengo

Imali-mboleko yokuLindelwa kweNgxowa-mboleko (RAL) ngumboleko owenzelwa ngamakhampani amaninzi okulungiswa kweerhafu kubantu abachasayo irhafu yengeniso yabo. Imboleko yemboleko yokubuyisela imali yentlawulo ingavunyelwa ngendlela yamaminithi kunye nemali efikeleleke kwimini okanye ezimbini. Ezi mboleko zixhomekeke kwisixa esipheleleyo sembuyekezo yentela. Imali ingaba nayo yonke imali okanye inani elincinane lembuyekezo ekulindelwe. Xa isheke lifika kwiofisi ye-tax preparer, i-mboleko ihlawulwa ngokugcwele, inomdla, kwaye nayiphi na ibhalansi esele ikhutshwa kummkeli.

Abantu abaninzi basebenzisa le nkqubo ngokufikelela ngokukhawuleza kwemali ngaphandle kokuqwalasela amaxabiso amanqanaba aphezulu .

Nangona kungekho zikolo zokuhlola ukufumana le mboleko ngendlela eqhelekileyo, ukulungiswa kwemboleko kufuneka ucele ulwazi kwi-IRS ukubona ukuba kukho naziphi na izibophelelo malunga nokubuyiswa kwemali. Izivumelwano zingasetyenziselwa ukubuyiselwa kwemirhumo yerhafu , iimali-mboleko ezidlulileyo zabafundi kunye nenkxaso yokuxhasa abantwana . Ukuba ikhonkco imelene nokubuyiswa kwemali, umboleko wokulindelwa kwembuyiselo ungahlawulwa okanye unikezelwe kuphela imali yokubuyisela imali.

Kutheni i-RAL Imali ingabi ngabathengi abahlobo

Abantu abaqwalasela umboleko wokubuyisela imali yentela kufuneka bazame ukuphepha inkqubo. Iimali-mboleko ze-RAL zinemirhumo ephakamileyo yeenkonzo kunye neerhafu zerhafu ezifakwe. Ngenxa yokuba le mboleko i-finance-term-finance, ayinakulawulwa phantsi kwemithetho efanayo yemali yentlawulo njengemali mboleko . Ngokufana nomboleko wemivuzo, i-mboleko ye-RAL inomyinge wamaxabiso anyuke ngaphezu kwe-200% ye-APR.

Ngokomzekelo, umboleko wokulindela ukubuyiselwa kwembuyekezo ungakuhlawula i-dollar ezingamakhulu amabini ukuboleka amawaka ambalwa iintsuku ezi-5.

Izinketho zokubuyiselwa kweRhafu ezingcono

Ukufakela iikhompyutheni ngekhompyutheni kunokukunika imali yokubuyiselwa imali kwiiveki ezimbini. Ukuba unayo i-akhawunti yasebhanki, unokufumana imali ngokuzenzekelayo ifakwe kwithuba elifutshane.

Imfuno yale mboleko ayikho mfuneko. Abathengi abanqwenela ukufumana imali yabo ngokukhawuleza kuneveki ezimbini bangathanda ukuqwalasela indlela ekhethiweyo yezemali ukuphepha ezi ntlawulo eziphezulu.

Ukuba awunayo i-akhawunti yasebhanki, unokuqwalasela ukuthenga ikhadi lokubhadela lokubhadela . Uninzi lwamakhadi lungaphinda lusebenze njenge-akhawunti yebhanki kwaye lunokufumana idipozithi yekhompyutha. Faka isicelo ngekhadi elinamaqela okuhamba , kwaye uya kuzuza ngokufanayo ekufumaneni ukubuyiselwa kwakho kwembuyekezo. Ezi bhanki ze-intanethi zixhamla kakhulu kubantu abanobuchule beebhanki kwixesha elidlulileyo. Xa imali ithunyelwe ekhadini lakho, unokuyifumana ngokukhawuleza.

Iindaba ezivela kwi-IRS malunga neNgxowa-mali mboleko

I-IRS ikhuphe isitatimende esithi ayiyi kuphinda inikezele ngolwazi lwabathengi kwiinkampani zokubuyisela imali. Le ngcaciso malunga neentlawulo zerhafu zibalulekile ukuba bakwazi ukubonelela ngemali-mboleko ye-RAL. I-IRS ibonise ukuba ngokubonelela le nkonzo kule nkampani, bayaphula ngokubaluleka kwabafihlawuli berhafu ukuba banikele ngenzuzo ngala ma nkampani abucala.

I-IRS iphinde ichaze ukuba ukuqaliswa kokulungiswa kwamahhala kwi-site yabo, ukufakwa kwikhompyutha kunye nokukhawuleza ukuba oku kubuyiselwa kwemali kufuneka kupheliswe imfuno yezi ntlobo-mboleko.

Ngo-2009, abathengi basebenzisa imali engama-dollar ayi-750 kwiirhafu kulezi ntlobo zemboleko. Isixa esingaqhelekanga semali-mboleko yezigidi ezi-8 kuphela. Ingumyinge wama-dollar ayi-950 kwimirhumo ngomntu ngamnye ngomboleko oqhelekileyo kuphela ohlala ngeveki okanye ezimbini.

Abanikezeli baninzi beemali-mboleko, i-H & R Block kunye no-Jackson Hewitt, basenyuka kwiingalo, bathi ukupheliswa kwale ntlobo zeenkonzo kunomthwalo kubahlawuli berhafu abafuna ukufikelela okukhawulezayo kwimbuyekezo yabo. Ngeli xesha, akukho zikhombisi ukuba ngababolekisi baya kufumana indlela entsha yokunikezela lolu hlobo lwenkonzo kwixesha elizayo lerhafu.