Ukuhlawula i-Federal Tax Credit kwabasekhaya bokuqala baseKhaya
Ikhredithi yayibuyiselwa ngokupheleleyo- abahlawuli berhafu abavumelekile bakwazi ukufumana imali eyongezelelweyo yentlawulo yerhafu ye-$ 7,500 ngo-2008 nangona bengenabanye amatyala emirhumo.
Imbali yeNgxowa-mboleko yeKhaya leNkcitho yokuqala
Ikhredithi yayifanele ukufikelela kwii-7 500 zama-amakhaya athengwe ngo-2008, okanye i-$ 3,750 zamawaka abantu abatshaleyo abafakela ukubuyiswa okuhlukeneyo. Kwaye kwanda ukuya kumda we-8,000 wamakhaya athengwa ukususela ngoJanuwari ukuya kuNovemba ka-2009, kwaye i-$ 4,000 yezibini ezitshatileyo zifakela ngokwahlukileyo. Imfuneko yokubuyiselwa kwekhredithi yachithwa ngeli xesha. I-Congress yabuye yahlaziya le nguqulo yekhredithi ukusuka ngoDisemba 2009 ukuya ku-Apreli 2010.
Kwangokunjalo kunye nelo hlaziywa, iCongress yenza isibonelelo sokunciphisa imali engama-6 500 ukuya kwi-"-de-term" abahlali bethengisa ikhaya labo. Umda wawungama- $ 3,250 kwizibini ezitshatileyo ezifaka iintlawulo ezahlukileyo . Ixesha elifanelekileyo le ngxowa-mali yahlala ngoNovemba 7, 2009 ukuya ku-Epreli 2010. Le ngxowa-mali ayifuni ukuhlawulwa kwakhona.
Amalungu afanelekileyo ama-Armed Forces ase-US agcinelwe ukufumana i-credit ngo-Apreli 30, 2011.
Abo bakhonza emkhosini wase-US, i-intelligence yoluntu, okanye iNkonzo yamazwe angaphandle kwi-ofisi eyongezelelekileyo engekho ngaphandle kwe-US inomnye owongezelelweyo ukufumana ilungelo lokuthenga ngetyala lomthengi.
Ukuhlawula iNgxowa-mboleko yeKhaya yaseKhaya
Umthengi wekhredithi uya kubuyiselwa njengerhafu eyongezelelweyo kwi-taxeral tax return xa uthenge ikhaya lakho kwaye ufanelekile ngo-2008.
Oku kusebenza ukuhlawula ngonyaka we-$ 500 ngonyaka xa ufumene i-$ 7,500 engaphezulu. Cinga ngolu hlobo lwemali-mboleko yeminyaka eli-15.
Xa kufuneka Uhlawule ngokupheleleyo
Ikhredithi kufuneka ibuyiselwe ngokupheleleyo, kwisinye isamba esilingana nesixa-mali, ukuba uthengisa ikhaya lakho lathengwa ngo-2008 nangaliphi na ixesha ngexesha lokuhlawula umnyaka we-15. Oku kubandakanya ukulungiselela nokufaka ifom ye-5405 eya kubala ukuba uninzi kangakanani. I-Revenue Revenue Service inikeza imiyalelo yokugcwalisa ifom kwiwebhusayithi yayo.
Unokubhengeza imali ehlawulwayo kwifomu ye-Form 1040. Awunayo ifayile ye-Form 5405 xa wenza i-installment payment.
Ukuba uthenge ikhaya lakho ukuba ufanele ukufumana ikhredithi ngo-2009, ngo-2010, okanye ngowama-2011, ityala kufuneka libuyiselwe ngokupheleleyo okanye inxalenye xa loo propati iphela ukuba ibe yindawo yokuhlala yokuhlala oyintloko kwiinyanga ezingama-36 zomhla owathenge ngawo.
Ukuba ulahlekelwa yindlu yakho ekungqatshelweni, ukuhlawulwa kwakho kukukhawulelwe kwisixa salo naluphi na uzuzo oluqaphelayo. Ukubala oku kunokuba nzima ukwenzela ukuba ufuna ukufumana uncedo lwengcali yerhafu.
Ukuba wena kunye neqabane lakho nithengile ikhaya kwaye nithi inkokhelo kunye kwaye omnye wenu uya kufa ngaphambi kokuphela kwexesha eli-15 leminyaka, lowo osindayo unembopheleleko yesigxina kuphela sokuhlawula imali.
Inxalenye ehlawulwa ngumlingane oshonile ichithwe ngokufanelekileyo.
Iyiphi indawo yokuhlala yaseprayimari?
Ityala leetyala lisetyenziselwa kwiindawo zokuhlala eziphambili kuphela. Indawo yokuhlala eyona ndawo apho uhlala khona ixesha elininzi. Ingaba yindlu, ikhondomu, indlu yokusebenzisana, i-houseboat, okanye ikhaya elisekhaya.
Ngenxa yokuba ityala leetyala lenzelwe abo bathengi indawo yokuhlala eyona ndawo, abahlawuli berhafu bangakwazi ukufumana ilungelo lokuba bafumane ikhaya lekhefu okanye impahla yokuqeshisa ngaphandle kokuba ezo zakhiwo zingabikho bendawo yokuqala ubuncinane iminyaka emithathu ngaphambi kokuthengwa kweendawo zabo zokuhlala ezintsha.
Ukubala iRhafu yeMali kunye neminye imithetho
Intlawulo yerhafu yayilingana neepesenti ezili-10 zenani lokuthenga lakho. Akukho ntlawulo yerhafu evunyelwe ukuba inani lokuthenga lekhaya lidlule i-800,000.
Umthengi wexesha lokuqala uchazwa njengomntu ongeyena yokuhlala oyimfuneko kwiminyaka emithathu ephela ngomhla wokuthenga ikhaya.
Izibini ezitshatileyo zithathwa njengabathengi bexesha lokuqala ukuba akukho mlingane onaloo ndawo yokuhlala kule minyaka emithathu edlulileyo.
Abahlali bexesha elide bachazwa njengabo babephethe kwaye bahlala kwiindawo zabo zokuhlala ubuncinane iminyaka emihlanu elandelelanayo kwithuba lesibhozo elineminyaka elinesibhozo ephela ngomhla wokuthengwa kwepropati entsha.
Ububanzi beSigaba sokuPhuma
Ikhredithi yaqale yahlulwa kubantu abanemali engenayo ehlaziyiweyo ephakathi kwe-$ 75,000 kunye ne-$ 95,000. Uluhlu lwesigaba lube ngu-150,000 ukuya kwii-170,000 zamawaka ezibini ezitshatileyo ezifakela ukubuyisana okuhlangeneyo. Emva koko, ukusebenza ngoNovemba 6, 2009, isigaba sokuqala sigaba saqala ngama-125,000, okanye i-225,000 yeedola ezibini ezitshatileyo.