Iikhredithi ezibuyiselwayo ziyingxenye yezona zikhefu zentlawulo ezifumanekayo
Ukwahlukana phakathi kweeKredithi zeRhafu ezihlawulwayo kunye neeRhafu ezingahlawulwanga
Iikhredithi zerhafu zibuyiselwa okanye zingabuyiswanga. Xa ikhredithi oyifanelekileyo yokubango iphezulu kunokuba uxanduva lwakho lwerhafu, iNkonzo yeNgeniso yangaphakathi iya kubuyisela imali.
Ngokwahlukileyo, umboleko werhafu ongahlawulwanga unganciphisa kuphela umthwalo wakho werhafu yengxowa-mali. Naliphina inxalenye yekhredithi eshiyiweyo ayibuyiselwa kuwe.
Nasi umzekelo. Unokugqiba ukubuyela kwerhafu yakho kuphela ukuba uqaphele ukuba unetyala le-IRS ye-$ 1,000-ukurhoxisa okanye ukuhlawulwa kwentlawulo eqikelelwayo akukwanele ukuhlawula umthwalo wakho werhafu wonyaka. Emva koko uyaqaphela ukuba unelungelo lokuthenga ngetyala elingu-2,000 yeerhafu ongayibanga ukuze uqhube iimpahla zakho zeekhati uze ubuyisele kwakhona irhafu yakho yentlawulo ukuze uyithathe. Ukuba le ngxowa ibuyiselwa, iya kuphelisa i-$ 1,000 enetyala le-IRS kunye ne-IRS iya kubuyiselwa imali leyo-uya kufumana imali eyi-1 000 yokubuyisela imali nangona awuzange uyihlawule ngemali ngokubambelela okanye ukuhlawula imali. Ukuba i-credit ayihlawulwanga, kunjalo, uza kuphucula ngempumelelo okanye ususe inkokhelo yakho yerhafu ye-1 000 kodwa i-IRS iya kugcina ibhalansi ye-$ 1,000.
Ukuba awukweleta imali ye-IRS-ugcwalise ukubuyela kwakho ukuba uqaphele ukuba unelungelo lokubuyisela imali engu-500 yemali owahlawulwa ngayo ngokubamba i-tax and tax estimation ngethuba lonyaka-kwaye ukuba ubuya kwaye ubuyekeze ukubuyela kwakho kwibango Iingxowa-mali ezibuyiselwayo ezi-2,000 eziye wazibona ukuba ufanelekile, i-IRS iya kukuthumela imali eyi-2,500 yokubuyisela imali.
Uza kufumana i-$ 500 eyakhokhelwa ngokugqithisa, kunye nekhredithi ye-$ 2,000.
Musa ukujonga ukuba yinkcitho yexesha ukubuyela emva kwaye ubuyisele kwakhona ukubuyela kwakho xa ikhredithi oye waqonda ukuba unelungelo lokungahlawulwanga. Ukusebenzisa oko kuya kunciphisa imali engenayo engenayo ukuze ufumane ukuba uza kufumana imali encinci yembuyekezo yentlawulo engaphezulu. Kodwa iikhredithi zerhafu ezibuyiselwayo ziyakunciphisa iintlobo ezithile zerhafu ngokuqhelekileyo azikwazi ukuncitshiswa ngezinye iindlela. Ngokomzekelo, banokukunceda ukuhlawula irhafu yengqesho , ukukhwabanisa kwimali yokuqala yokugcinwa kwemhlala- phantsi , okanye ezinye ii-surtax ezifana neerhafu yerhafu , irhafu yerhafu yerhafu okanye irhafu yonyango.
Indlela elula yokuhlula phakathi kweCredits
Nantsi enye indlela yokuchazela umahluko phakathi kwentengo yemboleko yentela engabuyiselwayo kunye neengxowa-mali ezingahlawulwanga. Iikhredithi zerhafu ezibuyiselwayo ziboniswe kwiCandelo leNtlawulo yeFomu 1040 eqala kumgca-64. Izikwere zerhafu ezingenakho imali zibonakaliswe kwicandelo leRhafu neCredits yeFom 1040 ekuqaleni komgca 38.
Imivuzo Yentlawulo Ebuyiselwayo
Izi khredithi zerhafu zilandelayo zibuyiselwa njengonyaka werhafu ka-2017:
- I- Credit Income Credit : Le ntlawulo yerhafu kubantu abasebenzisa imali engenamvuzo. Umlinganiselo werhafu omkhulu wonyaka werhafu ka-2017 yi-$ 6,318 yabarhafelwa abashadile abafakela ukubuyiswa kunye kunye nabantwana abathathu okanye abangaphezulu.
- Ingxowa yerhafu yengane eyongezelelweyo: Intlawulo yengxowa yabantwana ihlukaniswe ibe yinxalenye engabuyiswanga kwaye inxalenye ebuyiswayo. Le ngxowa-mali eyongezelelweyo ibonisa isabelo esibuyiselwayo.
- I- American Opportunity Credit : Kufikelela kuma-40 ekhulwini kwerhafu yerhafu ibuyiselwa, nangona intsalela ayihlawulwanga.
- Inkokhelo yeRhafu yeNkxaso-mali: Ngaphantsi kweemeko ezithile, umhlawuli-ntlawulo onomshuwalense wezempilo othengiweyo nge-inshurensi ye-inshorensi yempilo unokufumana inkxaso ye-IRS. Nayiphi na inkxaso engayihlawulwa yi-IRS kwangaphambili ngqo kwi-inshurensi ingahlawulwa kumhlawuli-ntlawulo njengetyala lokubuyisela irhafu.
- I-Credit yerhafu yoLuntu lweNtlawulo yoLondolozo lweNtlalo igcinwe: Le nto ingekona "ityala yerhafu," ubuncinci kwinqanaba eliqhelekileyo, kodwa kunokubangela ukuba imali ibuyele kuwe. Le mboleko iyimbuyekezo kubarhafi berhafu abasebenze ababini okanye abaqeshi abangaphezulu kunye nabanikezeli bentlawulo yabo yoLuntu kwiNkcazo yoKhuseleko ekudluleleni umda ophezulu wonyaka.
- Iimali ezivela kwiFom 2439: Le ngxowa ibonisa isabelo somntu-ntlawulo ehlawulwe ngxowa-mali kunye kunye nentembeko-mali yokuthengisa imali kwixesha elide elingenakunikwa. Jonga iMigaqo yeFomu 8949 kunye nemiyalelo yeFom 1040 malunga neenkcukacha.
- Ingxowa yerhafu yokubambisa ngempilo: Le ngxowa-mali yerhafu iphelelwe ngowama-2013 kodwa ke, phakathi kuka-2015, iCongress yadlulisela umyalelo wokuyivuselela ngo-2019. I-IRS iye yavelisa iinkqubo ezikhethekileyo zokufumana uncedo olulungelelaniso lwentengiso olwamkelwayo.
Iintlawulo ezininzi zeRhafu ayinakuhlawulwa
Hayi, iikhredithi zerhafu eziqhelekileyo zifunyenwe. Umzekelo, ukubiza ukuba umntwana kunye neNkcazo yokuThatha iNkxaso-mboleko inokunciphisa oko ufunwa yi-IRS, kodwa i-IRS ayiyi kukuthumela isheke kuyo nayiphi na ityala elishiyiweyo xa linciphisa uxanduva lwakho kwi-zero. Okufanayo kuya kwiNkokhelo yokuThuthwa kweMali, iNgxowa-mali yokuThengisa, kunye neNkcazo yokuThola iMpilo.
Kodwa ungacingi ukuba i-credit ayihlawulwanga xa ulungiselela iirhafu kuba ezi zinto zingatshintsha unyaka. Ukutyelela i-website ye-IRS okanye uthintane neengcali zerhafu ukuqinisekisa-ngoko, ukuba uyakufanelekela, bhala ityala kungakhathaliseki ukuba iyabuyiselwa okanye ayihlawulwanga. Emva koko, akukho nto enjengokukhethwa kweerhafu ezimbi.