Xa ungaphumeleli ukunyamekela iimbopheleleko zakho zamatyala, amashishini (okanye amaqumrhu karhulumente) unetyala unokukunyanzela ukuba uhlawule. Baya kwenza oku ngokusebenzisa ukulungiswa kwemvuzo okanye umrhumo webhanki. Zombini ezi ndlela zivumela umboleki ukuba athathe imali kuwe, kodwa iindlela ziyahluka.
Ukulungiswa Kwemvuzo?
Ukulungiswa kwemvuzo kwenzeka ntoni xa umboleki-mali ethatha umvuzo wakho kumqeshi wakho. Imali ehlosiweyo ichithwe kwi-paycheck yakho kwaye umqeshi uyithumela ngqo kumbolekisi.
Ngenxa yokuba ukulungiswa kwemvuzo kuthathwa ngqo kwi-pay yakho, kukushiya ngemali encinane ukuhlawula iindleko zakho ngenyanga. Umthetho we-Federal ubeka umlinganiselo wemali umvuzo wakho onokuguqulwa.
Yiyiphi iLevy yeBhanki?
Umrhumo webhanki xa umbolekisi ethatha imali kwi-akhawunti yakho yasebhanki, kunokuba umqeshi wakho. Xa kukhishwa umrhumo, i-akhawunti yakho yebhanki ikhutshwe kwaye awukwazi ukufikelela kwimali de ihlawulwe ityala.
Ngelishwa, xa i-akhawunti yakho yasebhankini ihlawulwa, umbolekisi unokukwazi ukuthatha yonke imali kwi-akhawunti yakho, ngaphandle kweenzuzo ezithile zaseburhulumenteni. Ngeke ukwazi ukurhoxisa imali kwi-akhawunti kwaye ibhanki ayiyi kuqhuba nayiphi na enye intsebenzo eyenziweyo kwi-akhawunti yakho. Ngaphezulu koko, ukuhlola okubhaliweyo kungabuyiselwa. Ibhanki inokukuhlawula imali engenayo imali kunye nomrhwebi angahlawulisa intlawulo yokubuyisela eyongezelelweyo.
Ngaba nayiphi na iNkampani iyakuthi izuze iMali okanye iRhafu yeAkhawunti yeBhanki yakho?
Umboleki-mali akakwazi nje ukuthabatha imali kuwe ngokulungiswa kwemvuzo okanye umrhumo webhanki ngaphandle kokufumana imvume yenkundla, ngaphandle kweetyala zamatyala kunye nenkxaso yabantwana.
Ezinye iintlobo zengeniso, njengeentlawulo zeNtlalo kunye neentlawulo zenkxaso yabantwana, ayikwazi ukulungiswa okanye ihlawulwe, ngaphandle kokuhlawula irhafu okanye inkxaso yenkxaso yabantwana.
Kwiimeko ezininzi, umboleki-mali makayifake kwaye aphumelele umgwebo ngokumelene nawe kwaye ufumane isigwebo esivela enkundleni. Emva koko, ukuba uthe wagxeka ukuhlawula isigwebo, umbolekisi unokucela imvume yenkundla ukuba uyihlose umvuzo wakho okanye uhlawule i-akhawunti yakho yasebhanki.
I-IRS kunye neSebe leMfundo akufuneki isigwebo senkundla ukuba silungise umvuzo wakho okanye uhlawulise i-akhawunti yakho yasebhanki kwiirhafu ezidlulileyo okanye ezibolekileyo zemali-mboleko . Ngaphambi kokuba uthathe nawuphi na isenzo, uzakufumana siya kuthumela isaziso sangaphambili. Uyakwazi ukugcina umvuzo wakho ungagciniwe okanye i-akhawunti yakho yasebhanki ukuba ihlawulwe ngokufaka isivumelwano sokufakelwa okanye ukulungisa ityala lakho.
Umyalelo wenkundla kuphela, ukuhlawulwa kwetyala epheleleyo, isivumelwano kunye nomboleki, okanye ukuhlawulwa kwamatyala kwezinye iimeko kunokunqanda ukulungiswa kwemvuzo okanye umrhumo webhanki. Ukuba kukho ukulungiswa kwemvuzo okanye i-levy yasebhanki eyenzekayo, qhagamshelana nommeli ngokukhawuleza ukufumanisa iinketho zakho.