Bobabini intloko yemoya yasekhaya kunye ne-EITC kuxhomekeke ekubeni unabantu abaxhomekeke kuyo
Kodwa nangona zidibeneyo, ngasinye sinemfuno ekhethekileyo, imfuno ezihlukeneyo, apho izinto ziyanzima khona.
Ukumangalela Abaxhasiweyo
Masiqale kunye nabaxhomekeke kuba ezinye izikhuthazo zerhafu ezimbini - zombini intloko yesimo sokufakela indlu kunye nekhredithi yemali engenayo-zombini idinga ukuba umrhafi unelinye okanye ngaphezulu kubo bafaneleke.
Abaxhomekeke kuba ngabantwana kuba, ngenxa yenkcazo, kuxhomekeke kumntu othembela komnye umntu ngenkxaso yemali. Kodwa oku akuthethi ukuba abaxhomekeke kuba bakho bangabantwana bakho okanye iintombi. Ezinye iintlobo zobudlelwano boxhomekeke kuzo, njengabazali, ootatomkhulu, abantakwabo, abazalwana kunye namanye amalungu omndeni. Kukho iindlela ezimbini zokufumana umxhomekeke kumntu ophantsi, okanye phantsi kweemfuno zokufumana umntwana ezifanelekileyo okanye phantsi kwemigaqo ehambelanayo.
Umntwana ofanelekileyo kufuneka abe mncinane kuneminyaka engama-19 ngomhla wokugqibela wonyaka werhafu okanye iminyaka engama-24 ukuba ungumfundi wexesha elipheleleyo.
Akukho mingcipheko yobudala ukuba ukhubazekile ngokupheleleyo kwaye unaphakade. Kumelwe ukuba wayehlala ekhaya lakho ngaphezu kwesigamu sonyaka. Ukuhlala kude kwindlu egumbini elisesibhedlele kuthathwa njengokungabikho kwesikhashana kwikhaya lakho, ngoko ufanelekile ukuba uhlala nawe ukuba indlu yakho iyindawo yakhe yokuhlala. Akakwazi ukubonelela ngaphezu kwengxenye yenkxaso yakhe yemali kunyaka.
Imithetho yezihlobo ezifanelekayo zifana noko, kodwa akukho mingeni yeminyaka okanye ukukhubazeka, ngaphandle kokuba umntu oxhomekeke kuye akakwazi ukuba ngumntwana ofanelekileyo womnye umhlawuli-ntlawulo. Ezinye izalamane, kuquka nabazali bakho kunye nabantakwabo, zikhululekile kumgaqo wokuba zimele zihlale kwindawo yokuhlala, kodwa abo bafanele ukuba baphile kunye nawe kufuneka bahlale ekhaya lakho lonke unyaka, kungekhona ngaphezu kweenyanga ezintandathu. Ingxowa-mali yokuxhomekeka kwonyaka kufuneka ibe ngaphantsi komyinge wokukhululwa komntu lowo.
Ukumangalela umntu oxhomekeke kuye-okanye ukufaneleka ukubiza umntu oxhomekeke kuye-unokuvula umnyango kwiintlawulo ezininzi zokulondoloza irhafu. Unokufaka isicelo sokuxolelwa komntu ngamnye kumntu oxhomekeke kuyo, kwaye unokufumana ilungelo lokuthenga ngetyala lekhredithi, irhafu yengxowa yomntwana, kunye nentengo yemboleko yentlawulo yenkxaso yomntwana , kunye neengxowa-zerhafu zemfundo okanye ukunqunyulwa kwelo xhomekeke kulo ezimbalwa. Kwezinye iimeko, umzali osisigxina obiza umntanakhe njengomxhomekeke angayinagunya ilungelo lokumangalela ukukhululwa komntu oxhomekeke kuye, ngokuyimpumelelo enikezela komnye umzali, ngelixa ehlala egcina ukulungelelwa kwentloko yefayili yokufakela indlu kunye nekhredithi engenayo.
INtloko yeSizwe sokuFakela imeko
Ukufakela njengentloko yekhaya kwandisa iibhanki zengeniso apho isantya ngasinye serhafu sisebenza.
Ngokomzekelo, intloko yefayili yomnxeba inokufikelela kwi-$ 50,800 kwaye ihlala ihlala kwi-bhaskiti yerhafu ye-15 kwango-2017. Thatha umxhomekeke kuye kwaye iba yifayile enye. Ngaloo ndlela, wayeza kusuka kwi-bracket ye-15 yeepesenti ukuya kwi-bhaskiti yeerhafu ye-25 xa efumana i $ 37,950 nje.
Ukuze ufaneleke kwi-head status yekhaya, umrhumeli werhafu kufuneka abe nexhomekeke kumntu omnye kwaye angatshatanga okanye "acingisise" engatshatanga phantsi kwemigaqo ye-IRS, ngoko ke le ntlawulo yerhafu ifaneleke ngokukhethekileyo kubazali abangabodwa. Unako ukufaneleka ukuba uhlukaniswe nomlingane wakho kodwa ungaqhathaniswa ngokusemthethweni ukuba awuzange uhlale naye emva koJuni 30 wonyaka werhafu.
Ngokungafani nemithetho yokumangalela nje umntu oxhomekeke kuye, ufanelekile ukuba ube yinhloko yendlu kufuneka ukuba umntu oxhomekeke kuye kufuneka abe nxu lumene nawe ngokuzalwa okanye umtshato.
Umxhomekeke wakho kufuneka ahlale nawe ngaphezu kwesigamu sonyaka, kwaye kufuneka unikezele ngaphezu kwesigamu indleko zeendleko zokugcina ikhaya lakho.
Iimfuno ezimbini zokugqibela azikho nje ukumangalela umntu njengomxhomekeke. Umzekelo, nangona umzali wakho akadingeki ukuba ahlale nawe ukuze akwazi ukummangalela njengomntu oxhomekeke kuye, kufuneka ahlale nawe ubuncinane ubuncwane bonyaka ukuze ufaneleke ukuba yinhloko yendlu ngaphandle kokuba unomnye oxhomekeke kumntu ohlala nawe unyaka wonke. Kwaye umgaqo malunga neendleko zekhaya lakho uyingqamene nale ndawo yokufakela.
I-Credit Income Tax Income
Ikhredithi yokufumana ingeniso-mboleko yerhafu ehlawulwa kwakhona kwimindeni engenamvuzo ophantsi ongabangela umhlawuli-ntlawulo unesilinganiselo serhafu esisebenzayo. Ngamanye amagama, uya kufumana umvuzo ophezulu kwi-IRS kunokuba uhlawulwe ngaphaya kwekhosi yonyaka ngokubanjwa kweerhafu yengeniso.
Abantwana, abazukulu, abazalwana, oodade, abancinci kunye nabantwana basemntwaneni banokufumana umrhumo werhafu njengabantu abaxhomekeke kwiinjongo ze-EITC, kodwa abazali, ootatomkhulu kunye nezinye iintlobo zobudlelwane ngokubanzi aziyi kuba. Umntu oxhomekeke kuye kufuneka abe ngumncinane kuneminyaka engama-19, okanye iminyaka engama-24 ukuba ungumfundi wexesha elizeleyo, ukuba akufanelekele le ngetyala yerhafu.
Ukuthelekisa yonke iMigaqo
Yonke le mingcele nemithetho ingabangela ukukhungatheka kwiimeko apho umhlawuli-ntlawulo unakekela kwaye uxhasana nomnye umntu kodwa akukho buhlobo phakathi kwabo ngegazi okanye umtshato. Lowo ohlawula irhafu unokufumanisa ukuba ufanelekile kuphela kwisimo sokufakela esisodwa kunye nokuxhomekeka komntu oxhomekeke kuye, kodwa akakulungele ukufakela njengentloko yendlu okanye ukuba athathe i-credit income engenayo.
Isofthiwe yokulungiswa kweerhafu iquka i-questionnaires ukunceda abakhokhi berhafu ukuba bavumeleke ukuba babange umntu oxhomekeke kuyo, ukuba bafake njengenhloko yendlu, kwaye bathathe i-credit income eyimali. Uninzi lwale mibuzo yodliwano-ndlebe lunokubonakala luphindaphinda, kodwa kuba kukho imeko nganye i-criteria iyahluke. I-IRS inika kwakhona ithuluzi lewebhu elibizwa ngokuba ngumNcedisi we-EITC ukunceda abakhokhi berhafu ukuba babone ukuba bafanelekile kwi-credit card eyayifumana.
Ukubaluleka okubalulekileyo apha kukuthi ngenxa yokuba unokubango umntu oxhomekeke kuyo, akukwenzeli ngokuzenzekelayo ezinye iirhafu zeerhafu. Ukuba awuqinisekanga apho umi khona, ukubethelwa kwakho ukubethelela kakhulu kukuba utyalomali kwisofthiwe yokulungisa ityala ephezulu okanye uthintane neengcali zerhafu.