Ingaba ngababoleki ababini banokuthi baxhomekeke kwiCandelo elifanayo?

Ukuchitha iindleko zerhafu zabathengi phakathi kwabahlawuli berhafu ababini

Indlela yokubhalwa kwemithetho yerhafu, umntu oyedwa kuphela onokumangalela umntu oxhomekeke kwi-tax return. Nangona kunjalo, ngabazali ababini banako ukufumana ikhefu zentlawulo ezihambelana nomntwana, ngaphandle kokuba umzali okhuselekileyo uyavuma.

Ngokuqhelekileyo, umzali kuphela okhuselekileyo uvumelekile ukuba afake izicelo zekhefu zentela ezilandelayo:

• ukukhululwa komntu
• intloko yesimo sokufakela indlu (ukuba siyasebenza)
• ikhredithi yerhafu yengane

• ikhredithi yentlawulo yomntwana kunye nerhafu yengxowa yabantwana
• ityala lentlawulo yengeniso, kunye
• ukuxhomekeka kwiinkonzo zononophelo ezithembekileyo

Nangona kunjalo, umzali okhuselekileyo unokunyanzela ilungelo lakhe lokubiza umntu oxhomekeke kuye ekuthandeni umzali ongekho phantsi. Umzali ongekho phantsi uya kuba nako ukufaka ibango:

• ukukhululwa komntu,
• ikhredithi yentlawulo yomntwana kunye neerhafu yengxowa yabantwana, kunye
• ukufundiswa kunye nemirhumo echithwayo okanye iirhafu zemfundo zerhafu

Nangona emva kokukhulula ibango kumntu oxhomekeke kuyo, umzali okhuselekileyo uya kulungele ukufaka izicelo zentlawulo ehambelana nentlawulo elandelayo:

• intloko yesimo sokufakela indlu
• ikhredithi yerhafu yengane
• ifunyenwe ngetyala, kwaye
• ukuxhomekeka kwiinkonzo zononophelo ezithembekileyo

Indlela yokwahlula iZibonelelo zerhafu yezingane

Ukuze kuhlulwe iintlawulo zerhafu ezixhomekeke kumxhomekeke, ezi zilandelayo migaqo kufuneka zifezekiswe:

1. Abazali bahlukanisile, okanye bahlukana ngokusemthethweni, okanye bahlala bodwa ngamaxesha onke kwiinyanga ezintandathu zokugqibela zonyaka;

1. Abazali banikezele ngaphezu kwengxenye yesigxina somxhasi wemali yokuxhaswa kwemali;
2. Umntwana ugcinwe ngumzali omnye okanye bobabini ngethuba lonyaka; kwaye
3. Umzali okhuselekileyo unika ilungelo lakhe lokubiza umntu oxhomekeke kwiFomu 8332 okanye uxwebhu olufanayo.

Umzali okhuselekileyo ucebise kakhulu ukuba enze iFom 8332 ukukhupha isimangalo sakhe kwisicelo sokuxolelwa.

Amanye amaxwebhu afana nemimiselo yokuqhawula umtshato, izivumelwano zokuhlukana, kunye nezivumelwano zokugcina abantwana zingaboneleli nqanaba leenkcukacha njengeFomu 8332. Kucetyiswa ukuba uhlale ulungiselela ifom 8332 xa abazali bevumelana ngokuhlukanisa iintlawulo zerhafu ngokuxhomekeke kwinto ethile.

Ifomu 8332 kufuneka inikwe umzali ongekho phantsi, oya kuthi uncede afake le fom kwibuyiselo yakhe yentela. Umzali okhuselekileyo kufuneka agcine iikopi zefom.

Ukubango ngeZibonelelo zeRhafu zeMfundo ePhakamileyo

Umzali kuphela obiza umntwana njengomxhomekeke uya kulungele ukubiza iintlawulo zerhafu kwiikholeji nakwezinye i-post-secondary education. Ezi zikhefu zerhafu ziquka ukufundiswa kunye nokuhlawulwa kweerhafu , i-Hope credit, i- credit opportunity ye-American, kunye ne- Lifetime Learning credit. Nangona kunjalo, ukuncitshiswa kweerhafu kunye neengxowa-mali azifumaneki kubantu abafake ukutshatyalaliswa kwerhafu . Ukongezelela, ezi zihlomelo kunye neengxowa-mboleko zixhomekeke kwimingeni yokuphuma kwemali. Ukuba akukho nawuphi wabazali abanokuthi bathathe le mivuzo yokuhlawula irhafu, bafuna ukuyeka ukumangalela umntwana wabo njengomxhomekeke, ngaloo ndlela avumela umntwana ukuba athathe le meko yekhefu.

Izilumkiso xa uchitha iZibonelelo zeRhafu eziHlangana neNtwana

Abahlawuli berhafu ababini bafanele bazame ukubiza ibango elixhomekeke kulo.

Oku kuya kubangela ukuphicothwa kwe-IRS ngokuzenzekelayo kweentlawulo zombini zerhafu.

Umzali ongeyena umzali kufuneka ahlale efaka ifom ye-8332 kwirejista yakhe yokubuyisela irhafu ukuba ibone iintlawulo zerhafu ezinxulumene nomntwana. I-IRS inobundlobongela ekukhanyeleni abaxhomekeke kuyo kunye nezinye ikhefu zerhafu ezinxulumene nomntwana xa le fomu ilahlekile.

Abazali abaxhomekeke ekuhlaseleni bangakwazi ukurhoxisa ukuxoshwa kwabo. Abazali abangaboniyo kufuneka bahlalutye ngokucophelela ngamnye unyaka ukuba ngaba banokumangalela umntu oxhomekeke kuye.

Oku kwabelana ngeentlawulo zerhafu ezinxulumene nomntwana kufumaneka kuphela kubahlawuli berhafu abazali bomntwana. Ukutshatyalaliswa kwezibonelelo zerhafu ezixhomekeke kumntu akufumaneki kwamanye amalungu entsapho.

Ngoobani Abazali beContoal and Noncustodial Parents?

Umzali okhuselekileyo ngumntu ofanelekileyo ukubiza umntu oxhomekeke kuye. Ngokuqhelekileyo, lo ngumzali apho umntwana ehlala iminyaka engaphezu kwesigama sonyaka.

Ukuba umntwana uhlala kunye nabazali bobabini ngaphezu kwesiqingatha sonyaka, umzali okhuselekileyo uzimisele ukusebenzisa uvavanyo lwe-tie-breaker kubantwana abafanelekayo .

Umzali ongeyena umzali ngumnye umzali. Ngamanye amazwi, umzali ongafanelanga ukumangalela umntu oxhomekeke kuye, ngaphandle kokuba umzali okhuselekileyo unika ilungelo lakhe lokubiza umntu oxhomekeke kuye.