Ukuxhaswa kweRhafu yeeNkcazo kunye nokuThuthwa kweeTyala
Okokuqala okwenziwe ngo-2007, lo Mthetho wongezwa ngo-2016 kwaye waqeshiswa ukuba aphelelwe yisikhathi okanye "ukushona kwelanga" ngoJanuwari 1, 2017. UBill 2543 wenziwa ngeNgqungquthela ngo-Meyi 2017 ukuqhubela phambili uMthetho ngo-2018, kodwa awukabi .
Ngexesha, ubuncinane, irhafu yokufumana irhafu ifumaneka kuphela ngenxa yokuhlengahlengiswa okanye ukulungiswa kwemali yokuboleka imali eyenziwa ngaphambi koJanuwari 1, 2017.
Kodwa ukuba ufanelekile phambi kwaloo mhla kwaye awuphumelelanga ukubiza lekhefu lekhefu, usenalo ixesha elithile lokufakela ukubuyiswa kwentlawulo elungisiweyo. Ngokuqhelekileyo uneminyaka emithathu ukususela ngomhla oqale uthumela ngayo ukubuyisela ukuyilungisa.
Lo Mthetho uvumela ukuba ungabandakanyi ukuya kwi-2 million yezigidi zetyala elixolelwe okanye ukhanselwe ngumboleki wakho wemali mboleko kwikhaya eliphambili. Bobabini i-restructurings yokubolekwa kwempahla kunye neengaphambili ezifanelekileyo zifanelekile. Unokubangola le ntlawulo yerhafu ngokufaka ifom ye-IRS 982 kunye nokubuyiswa kweerhafu yakho.
Yiyiphi imali ehlawulwayo yeMatyala?
Naliphi na ixesha umnini-mboleko unqanda okanye uxolela ityala lakho, le nto ithathwa njengenzuzo kuwe kwaye ihlawuliswa ngokufanelekileyo. Wamkela imali owafuneka ukuba uyibuyisele yona, kwaye umthetho werhafu ubona ukuba uyigcine ngempumelelo imali ukuba awukwazi ukuhlawula ityala.
Oko kwenza ukuba imali-mali ingene endlwini yakho-ngoko kufuneka uyihlawule irhafu yengeniso kwimali ngaphandle kokuba ikhefu lisebenza.
I-IRS inokuthi oku kuthetha ngayo:
"Ngokuqhelekileyo, ukuba ityala unelungelo lokuhlawulwa okanye uxolelwe, ngaphandle kwesipho okanye ukukhwela, kufuneka uquke inani elikhanselelweyo kwingeniso yakho."
Iimfuno zokuBika
Ababoleki kufuneka banikezele ukuxolelwa kwetyala kwiNkonzo yangaphakathi yeNgeniso ngokusebenzisa iFomu 1099-C , Ukukhanselwa kwetyala, kunye nomhlawuli-ntlawulo kufuneka athole ikopi yale fom. Esi siqaphele ukuba ityala lakho lixolelwe ngokusemthethweni ngoko kufuneka udibanise imali ekubuyisweni kwakho kwentela. Ungayifaka kumgca we-21 weFomu 1040 "njengenye ingeniso."
Ukuhlaziywa kweeMali kunye nokuLungiswa
Ukuba ulahlekelwe yindlu yakho ngokusebenzisa ukuchithwa kwemali okanye ukulungiswa kwemali yakho yokubambisa ibhalansi esezantsi ukususela ngo-2007 ukuya kuDisemba 31, 2016, akudingeki ukuba uxele i-matyala okuxolelwe kwaye awufanele uhlawule irhafu yengeniso kuloo mali ngenxa yoMxolelo Wokuxolela UMthetho woNcedo lweMatyala. Inkokhelo ekhutshwe ngo-2017 inokukwazi ukuxolelwa ukuba kukho isivumelwano esibhaliweyo ngo-2016.
Nangona ukukhutshwa kwentlawulo yerhafu ngokuqhelekileyo kusebenza kwisikwereti sokukhishwa kwemali esingahlawulwa ukuya kwi-$ 2 yezigidi, kuncitshiswa kwi-$ 1 yezigidi xa utshatile kodwa ufaka ibuyiselo ehlukile. Indlu kufuneka ukuba isetyenziswe njengendawo yokuhlala eyona ndawo kwaye kufuneka ukuba kuthengwe imali yokuthenga impahla, ukuza okanye ukwenza ukuphuculwa okukhulu kwipropati.
Eminye ityala lokubolekwa ngemali ayiyi kufaneleka ukukhutshwa kweerhafu, ukuxolelwa kwetyala ezinxulumene nabo kuya kuthathwa njengengeniso ehlawulwayo.
Iimboleko zemali ezingafanelekanga zibandakanya iimali-mboleko zentengo yasekhaya apho ingeniso isetyenziselwa ukuthenga, ukwakha, okanye ukuphucula indawo yokuhlala, kunye neendleko zokuhlala kwindlu yesibini kunye nezakhiwo zokuqashisa.
I-IRS ichaza ikhefu lentela ngale ndlela:
UMthetho Wokuxhaswa Kwetyala Lemali-mboleko ka-2007 ngokuqhelekileyo uvumela abahlawuli berhafu ukuba baxhomeke kwingeniso evela ekukhutshweni kwetyala kwiindawo zabo zokuhlala eziphambili ... Ukukhutshwa akusebenzi xa ukukhutshwa kungenxa yeenkonzo ezenzelwe umboleki okanye isitha naziphi na izizathu ezingahambelani ngqo ukuhla kwexabiso lekhaya okanye imeko yezemali yomrhafi. "
Ezinye izinto ezingenakuhlawulwa kweRhafu
Nangona i-Future of Relief Debt Forgiveness Debt Act Act ihlala ingenakuqinisekiswa, ikhowudi yentlawulo inike ezinye iindlela eziye zahluthwa ngetyala zingenakho ukuhlawulwa kweerhafu ukuze zonke zingaphumeleli.
Amatyala akhululwe akufuneki afakwe kwingeniso ehlawulwayo ukuba ityala liye lakhanselwa kwimeko yebhanki, ukuba ungekho ngexesha lokuxolelwa kwetyala, okanye ukuba ityala elikhanseliwe lijoliswe njengesipho.
Elithile ishishini okanye ifama yefama ifanelekile ukufumana unyango lwentlawulo.
Ukungabikho kokungabikho kokungabonakali kubaluleke kakhulu kuba kubangelwa ngababolekayo ngemali-mboleko yemali yasekhaya okanye iimali zokubolekwa kumakhaya asemibini kunye neendawo zokuqashisa. Le nkonzo yokungabonakali ingabonisa ukuba luncedo kubantu ngabanye abangenakufanelekela ngokusemthethweni uMthetho wokuXholwa kweMatyala okuTyala ukuTyala, okanye ukuba uMthetho awuvuselelwa kwiminyaka ezayo. Ukungabonakali kuthetha ukuba iimfanelo zakho zigqithise ixabiso lemarike elifanelekileyo kwiimpahla zakho. Yinto elula. Oku kudla ngokuba ngababoleki abaye bahlaselwa kwixabiso kwaye ngubani na oya kulungiswa kwakhona ngokubolekisa izibopho zabo okanye azinikezele iipropati zabo.