Gweba iintlawulo zoTywala kunye neMali ngokufuna ezinye iindlela zokuhlawula iintlawulo
Kwenzeka ntoni ukuba usuku lwerhafu lujikeleza kwaye awukwazi ukuza nemali ukuhlawula irhafu yakho yentlawulo ye-Federal? Unokuba usengozini kodwa unokhetho xa unganakho ukuhlawula irhafu yakho yentlawulo ngexesha. Ukuqonda ukuba zeziphi iinqununu - kwaye zeziphi izigwebo zokuhlawula okanye ukufakela emva kwexesha-kunokukunceda ukuba wenze isigqibo sokuba yeyiphi indlela ekufuneka uyenze ukujongana neyayilwayo.
Ukuhlawula kwexesha elifutshane kunye nezohlwayo ezifikelelekayo
I-IRS ivavanya izigwebo zokufakela ukubuyela kwakho emva kwexesha, kunye nokuhlawula irhafu emva kwexesha.
"Ukungaphumeleli ukufakela isohlwayo" kunzima kakhulu kunokuba "ukungaphumeleli ukuhlawula" isohlwayo (nceda uqaphele ukuba izitya zenzala ezisetyenziswa kule mizekelo ziyahluka nganye kwikota). Nantsi indlela abayithelekisayo ngayo:
- Ukungaphumeleli ukufakela isohlwayo ngexesha: i- 5% yemali efunekayo ngenyanga, ukuya kuma-25%
- Ukungaphumeleli ukuhlawula ngexesha lokuhlawulwa: i- 0.5% yemali efunekayo ngenyanga, ukuya kuma-25%
Indlela elula yokunciphisa izigwebo zakho kunye nomdla kukufaka ifayile kwaye uhlawule irhafu yakho ngexesha lokugqibela. Kodwa, ukuba awukwazi ukuhlawula ngokukhawuleza, kufuneka ukuba ubuncinci ufake ifayile yakho ngokukhawuleza ukuba uphephe ukungaphumeleli okuphezulu ukufakela isohlwayo. Qaphela kwakhona ukuba xa ungaphumeleli ukuhlawula ngexesha, inzala iphinda ibandakanyeke kwibhalansi ide ihlawulwe irhafu yakho yentela.
Oko Ukwenza Xa Ungeke Uhlawule Imali Yakho Imali Ngexesha
Ukuba awukwazi ukuhlawula ngexesha, ungashiyi ilitye xa ungakhange ufune ezinye iindlela. Ngokomzekelo, ukuba ukusilela kwakho kwemali kungumntu wesikhashana, kwangaphambili ukuhlawula imali yakho kunokusombulula ingxaki.
Okanye, unokuba namalungu entsapho azimisele ukuboleka imali. Ukuthengisa izinto ongeke usisebenzise ngenye indlela yokuphakamisa imali. Ukuba ezo azikho iindlela, zikho ezinye iindlela ezintathu zokuhlawula ukuze unokuphephela izigwebo kunye nomdla:
1. Sebenzisa iKhadi leMatyala
Unokuhlawula irhafu yakho kwikhadi lakho lesikweletu (i-American Express, MasterCard, Visa okanye Discover Card) ngokuqhagamshelana nomboneleli wenkonzo ovunywe yi-IRS.
Uya kuhlawulwa imali efanelekileyo ye-2.5% yemali oyihlawulayo, ngoko ke ukuba unetyala elingama-2,000, imali iya kuba nge-$ 50. Ukuba unetyala le-10,000, umrhumo uza kuba malunga ne-$ 250. Musa ukulibala ukuba uza kufaka iindleko zenzalo ukuba awukwazi ukuhlawula ngokukhawuleza ikhadi lakho lekhadi. Abanikezeli benkonzo ababini enokuyicinga ukuba wenze intlawulo yakho ibe yi-Pay1040 kunye neNtlawulo yeNtlawulo yeeNtlawulo. Ukuba awuqinisekanga malunga nokuhlawula ngomniki-nkonzo, biza i-IRS ngolwazi olungakumbi.
2. Ncokola ngeSicwangciso soFakelo
Ukuba awukwazi ukuza kunye nemali ukuhlawula irhafu ngexesha, unokukwazi ukuxoxisana nesicwangciso sokuhlawula i-installment kunye ne-IRS. Ungawugcwalisa Ifomu 9465, isiVumelwano sesiVumelwano soFakelo, kwaye unamathele phambi kwerhafu yakho yokubuyisela irhafu. Ngokuxhomekeke ekubeni uninzi kangakanani, unokukwazi ukucela isicwangciso sokuhlawula kwi-intanethi.
Gcina ukhumbule ukuba isivumelwano se-installment asikuvumeli ukuba ugweme ukuhlawula umdla kwizinto omele uzenze. Inzala iyaqhubeka ifikeleleke de ityala linelisekile. Kodwa i-IRS inokunciphisa nayiphi na ukuhluleka ukuhlawula izigwebo ezihlolwe.
3. Cinga ngomnikelo wokuHlanganisa
Ukuba unetyala kakhulu kangangokuba akukho ndlela oya kukwazi ukuyihlawula ngayo, i-IRS ingamkela ngaphantsi kwexabiso elipheleleyo ngokusebenzisa inkqubo ebizwa ngokuba ngumnikelo kwi-Compromise .
Esi sisisiseko isivumelwano sokuhlawulela apho i-IRS ivumelana nokwamkela ngaphantsi kwexabiso elipheleleyo elihlawulwa njengentlawulo. Ukuqalisa uMnikelo kwi-Compromise, kuya kufuneka ugcwalise Ifomu 656, Ukunikezela nge-Compromise, kunye neFomu 433A , iSitatimende seNkcazo yoLwazi kunye nokuzithoba kwi-IRS kunye nemirhumo yesicelo.
Uya kufuneka unikezele isitatimende esipheleleyo sezimali somntu kuquka yonke into enayo yexabiso, zonke iimali ezibolekileyo, ingeniso yakho kunye nemali oyilungele ukuhlawula ngokukhawuleza ukuze ulungiselele i-akhawunti yakho. I-IRS iya kuhlalutya imali yakho imeko kunye neengeniso zengeniso yexesha elizayo ukuchonga ukuba ngaba uyamkela isibonelelo sakho sokuhlala. Ukuba i-IRS ikholelwa ukuba ayikwazi ukuqokelela imali epheleleyo, isipho sakho singamkelwa. Le nkqubo yenzelwe abantu kwiimeko ezinzima zemali.
Kungakhathaliseki ukuba isicwangciso sefowuni okanye iSipho kwisivumelwano sokuHlanganisa, i-IRS iya kufuna ukuba uhlawule zonke izibophelelo zerhafu zedola ngexesha leminyaka emihlanu ezayo okanye ude uhlawulele imali ehlawulwayo ihlawulwe ngokupheleleyo, nokuba yeyiphi na ixesha elide. Ukuba ungekho phantsi kwemiqathango yoMnikelo kwiSivumelwano sokuHlonipha, zonke iirhafu zakho zerhafu ziya kuphinda zihlawulwe ngokuzeleyo. I-IRS inokufaka ifayile kwipropati yakho ukuqinisekisa ukuhlawulwa, kwaye oku kuza kuboniswa kwingxelo yakho yekhredithi .
Ngaphantsi
Oku kunakho konke ukudideka, kodwa umgca weyona nto: nangona ungeke uhlawule irhafu yakho, ungacwangcisi iingxaki zakho ngokusilela ukubuyisela ukubuyiswa kwerhafu yakho . Unokuphelisa ukuhlawula iintlawulo ezipheleleyo kwisiqingatha semali onayo, ngaphambi kokuba inzala ibe yongezwa kuyo, ngoko qi ni sekisa ukuba ufumane ukubuyela kwakho ngexesha.