Yiyiphi Intlawulo yeRhafu?
Ikhowudi yerhafu inelungelo, ngokuqhelekileyo likarhulumente, urhulumente, okanye urhulumente wephondo, ukuba athathe ipropati yakho okanye ipahla ngenxa yokungahambisani nepropati okanye irhafu yengeniso. Kwimeko yerhafu yepropati, ipropathi ithengiswa ngenxa yesikhokhelo sentela esingakhokhelwa, usenokungagqibekanga kwimali mboleko yakho.
Ikhefu yerhafu akufanele ifike njengothusa. Urhulumente uza kuthumela izaziso ezininzi kunye neebhilidi zerhafu ezifunekayo phambi kokugqibela ukufaka ifayili yerhafu kwipropati yakho.
Unokuthintela ukuba ukhonkco lubekwe kuwe ngokuhlawula irhafu ngokupheleleyo okanye ngokumisela ilungiselelo lokuhlawula kunye ne-arhente ohlawulwa ngayo irhafu.
Iimpawu Zentlawulo kunye neNgxelo Yemali Yakho
Iingxowa zentlawulo zikarhulumente kwirekhodi, kunye nefayile yakho kunye nenkundla yendawo yakho, kwaye ivela kwicandelo likarhulumente yoluntu kwingxelo yakho yekhredithi. Zibhekwa njengenye yezinto ezingenakungeniswa kweengxelo zekredithi kwaye zingonakalisa amanqaku akho ekhredithi afana ne-bankruptcy okanye ukuchithwa.
Ingeniso yokungena kwerhafu kwingxelo yakho yemali-mboleko inokukugcina uvumeleke ukubolekwa kwemali-mboleko, iikhadi lamatyala, indlu okanye ukurenta, okanye nokuba ngumsebenzi. Umlinganiselo wexesha lokubhengezwa kwekredithi oqhelekileyo awufaki izicelo zokuhlawulwa kweerhafu ezingahlawulwanga. Bangakwazi ukuhlala kwingxelo yakho yekhredithi ngokungapheliyo, kodwa i-credit bureau ingayisusa kwiminyaka eyi-10 ukuya kwe-15 kuxhomekeke kwimigaqo-nkqubo.
Iibhanki zerhafu ezihlawulwayo zihlala ziyiminyaka esixhenxe, ngaphandle kokuba i-ereyile yerhafu ihoxiswe. Xa itayiti yerhafu ihoxiswa, kufana nokuba i-e-tax ye-tax ayizange ifakwe kwindawo yokuqala.
Kufuneka uthumele amaxwebhu e-credit bureaus ebonisa ukukhishwa kwe-tax ye-tax ukuze ubhenxiswe i-tax tax kwingxelo yakho ye-credit.
Ukususwa kweTyala leRhafu kwiNgxelo yakho yeMboleko
Ukuba unayo i-tax ye-tax ye-Federal, unako ukukhutshwa kwekhonkco kwaye ususwe emva kokuba unelisekile uxanduva lwerhafu, ufake iirhafu zakho zerhafu iminyaka emithathu, kwaye ukhona nanko nawaphi na irhafu eqikelelweyo kunye neentlawulo zerhafu.
Abanye abahlawuli berhafu nabo banako ukufumana i-yile yerhafu yokurhoxiswa ngokufaka isivumelwano sokuhlawulwa kwemali ye-debit kunye ne-IRS evumela i-IRS ukuba ihoxise ngokuzenzekelayo iintlawulo zerhafu rhoqo kwi-akhawunti yakho yokujonga.
Umoya wakho unokunikezela ngokukhenxiswa kwe-tax elifanayo, kodwa kufuneka uqhagamshelane neSebe likarhulumente yengeniso ukufumana oko kufuneka ukwenze ukuze ufaneleke. Ukungabikho kwenkqubo yokurhoxisa i-tax ye-tax, i-taxi yerhafu, ukuba ihlawulwe, iya kulandela ixesha eliqhelekileyo lokubika i-credit.
Ukuba unemiba yerhafu yerhafu, kubulumko ukubonisana neengcali zerhafu malunga nendlela engcono yokuqhubeka.