Khetha isivumelwano esifanelekileyo sokuhlawula ityala lakho lentela
Isicwangciso senyanga sokuhlawula ngokuqhelekileyo yindlela elula kakhulu yokuhlawula nayiphi na amatyala amakhulu, nokuba yinyanzelo yerhafu, kwaye, ewe, ngokwenene unokwenza amalungiselelo okuhlawula kunye neNkonzo yangaphakathi yeNgeniso.
I-IRS ifuna nje imali yayo, ngoko yenza kube lula ukuba uhlawule nayiphi na irhafu onokuyenza. Iintlobo ezine ezihlukeneyo zezicwangciso zentlawulo zifumaneka phantsi kwemithetho ethile, kunye nomdla kunye nezinye iimali ezikhoyo.
IziVumelwano eziFakekileyo
I-IRS iya kuvuma ngokuzenzekelayo isicwangciso sefowuni ukuba unetyala le-10,000 okanye ngaphantsi kwe-2017. Kufuneka udibane nazo zonke ezi zilandelayo:
- Awuzange ulifake emva kwexesha okanye uhlawulwe kamva kwiminyaka emihlanu edlulileyo. Oku akubandakanyi ukwandiswa kwexesha lokufaka ifayile. Kuthetha ukulahleka umhla wokuhlawula irhafu ngaphandle kokuthatha nantoni na.
- Zonke iintlawulo zakho zerhafu ziye zafakwa.
- Uya kuhlawula ibhalansi yakho kwiinyanga ezingama-36 okanye ngaphantsi.
- Awunaso esinye isivumelwano sentlawulo kwiminyaka emihlanu edlulileyo.
- Uyavuma ukufakela kwixesha kwaye uhlawule ngexesha elithe werhafu.
Inkokhelo encinane yenyanga nganye i-IRS iya kwamkela iyonke ibhalansi yakho ngenxa yoko, kubandakanywa izigwebo kunye nomdla, olwahlula ngeenyanga ezingama-36. Kodwa ukuba ufuna ukuhlawula ngaphezu kwalokhu ukulahla ityala ngeenyanga ezingaphantsi kwe-36, ngokuqinisekileyo unako.
Isibonelelo esiyinqobo sesivumelwano sokufaka isitifiketi esiqinisekileyo kukuba i-IRS ayiyi kufaka i -tax federal tax kuwe malunga neerhafu ezihlawulwe.
Iingxowa zentlawulo zichazwe kwii-credit bureaus kwaye ziya kuthintela kakubi amanqaku akho. Ukuba uzame ukuthengisa impahla ephantsi kwe-link, i-IRS ihlawulwa kuqala. Ngokuqinisekileyo, ukuba ungena kwisicwangciso sokuhlawulela ngoko ke, kusenokwenzeka kwaye kwaye mhlawumbi ukuba urhulumente uza kufaka i-taxi yerhafu kuwe, kuxhomekeke kubukhulu betyala lakho.
I-IRS ayiyi kukucela ukuba uzalise ingxelo yezimali, Ifomu 433-F, ngomgudu wokuhlalutya imeko yakho yemali yangoku. Njengoko kuthethwe, olu hlobo lwesivumelwano luyakwamkelwa ngokuzenzekelayo ukuba uhlangabezana nemimiselo.
Izivumelwano zokuFakelwa kweziNgcaciso
Ukuba awuhambisani nemigqaliselo yesivumelwano esiqinisekisiwe sokufaka isitifiketi, unakho ukufumana imvume yesivumelwano sokufaka isicatshulwa endaweni. Abathengi banokukwazi ukufumana le mvumelwano yesivumelwano xa i-balance ye-IRS i-$ 50,000 okanye ngaphantsi kwe-2017. Umhlawuli-ntlawulo kufuneka avume ukuhlawula ibhalansi kwiinyanga ezingama-72 okanye ngaphantsi.
Isivumelwano sokufakelwa kwesihlomelo siyingxenye ye-IRS "Inkqubo yokuQala okuQala" eyenzelwe ukunceda abakhokheli ababole imali. Ngaphambi kokuQala okuQala, i-IRS iya kuvuma izivumelwano ezihlanjululweyo kuphela ukuba ibhajethi efunekayo yayingama-25,000 okanye ngaphantsi kwaye umhlawuli-ntlawulo uvumelekile ukuyihlawula ngokupheleleyo kwiinyanga ezingama-60.
Njengoko nazo zonke ezinye izivumelwano zentengo, i-IRS idinga ukuba uyifake yonke imbuyekezo yakho yentela kuqala ukuba ngaba kukho na ixesha elide, kwaye kufuneka uvumele ukufakela iirejista zakho zerhafu ngexesha kwaye uhlawule irhafu kwixesha elizayo.
Njengesivumelwano esiqinisekisiwe sesiqinisekiso, inzuzo eyinqobo yesivumelwano sokufaka isitifiketi esicacisiwe kukuba i-IRS ayiyi kufaka i-bond yerhafu yombuso kwizame zokuqokelela kuwe.
Kananjalo i-IRS ayiyikucela ukuba uzalise ingxelo yezimali ifom yeFomu 433-F ukuze ihlalutye imeko yakho yangoku yemali.
Izivumelwano zokuFakelwa kweeNtlawulo zeNtlawulo (PPIAs)
Ukuba inkokhelo encinci yeso sivumelwano esiqinisekisiwe okanye esicwangcisiweyo esilungiselelayo asiyi kulungelelwaniswa kubhajethi yakho, usenokuba ngcono xa ucinga isivumelwano sokufakelwa kwentlawulo . Olu hlobo lwenkqubo yokuhlawula apho inkokhelo yenyanga i sekelwe kwizinto onokukwazi ukuzifumana emva kokuqwalasela iindleko zakho zokuphila ezibalulekileyo.
Ngokungafani nezivumelwano eziqinisekisiwe okanye ezilungisiweyo, icebo lokuhlawula elincinci lingasetyenziselwa ukufihla ixesha elide lokuhlawula kunye ne-IRS inokufakela i-bond yerhafu yenqila ukukhusela iimfuno zayo ekuqokeleleni ityala. I-IRS iya kukucela ukuba ugcwalise Ifomu 433-F, isitatimende sezimali, ukunika ingxelo yakho yemali engenayo kunye neendleko zokuhlala kwiinyanga ezintathu ezedlulileyo.
Kuya kufuneka ukuba unikezele ngokuhlawula imali kunye neenkcazo zebhanki njengamaxwebhu axhasayo. Kuya kufuneka uqinisekise ukuba kukho nawaphi na ukulingana onawo. Kwezinye iimeko, i-IRS inokufuna ukuba uthengise ezo ntlawulo ukuhlawula ityala lakho yerhafu kunokungena kwi-PPIA.
I-IRS iphinda iphinde ihlalutye imimiselo yeemvumelwano zentlawulo yekhefu kwiminyaka emibili ukujonga ukuba iindleko zakho zemali zitshintshile kwaye unokukwazi ukuhlawula ngaphezulu.
"Ukungahlanjululwanga" Izivumelwano zoFakelo
Uya kufuneka uxoxisane nesivumelwano sakho se-installment kunye ne-IRS ukuba ibhalansi ohlawulwayo idlula i-$ 50,000, kwaye unokufuna uncedo lwengcali yerhafu kule nto. Isivumelwano esingahlanjululwanga sifanelekile ukuba udinga ixesha elide lokubuyisela ixesha elingaphezu kweminyaka emihlanu okanye ukuba awuhlangabezi nayiphi na enye imigaqo yecwangciso esicacisiwe okanye esicwangcisiweyo.
Isivumelwano esinjalo sixoxisana ngokuthe ngqo kunye ne-agent ye-IRS kwaye ke sihanjiswa kumphathi kwi-IRS ukuhlaziywa nokuvunywa. I-IRS inokufakela ifayili yerhafu yombuso xa ingaba ikhona. Olu hlobo lwesivumelwano lubizwa ngokuthi "aluhlanjululwanga" kuba luwela ngaphandle kwe-IRS 'izikhokelo zokuvuma ngokuzenzekelayo. I-IRS iya kucela ukuba unikeze iFomu 433-F ukuze ihlalutye into onokukwazi ukuyihlawula ngenyanga nganye kwibhalansi yakho.
I-IRS iya kucela ukuba uzame ukuthengisa impahla, uthabathe i-mboleko yebhanki, okanye ufumane imali-mboleko yemali ukuze uhlawulele ityala lakho ngaphandle kokungena kulolu hlobo lwesivumelwano sentlawulo. Funa isiluleko somsebenzi werhafu ogunyazisiweyo waseburhulumenteni, njengobhalisi obhalisile, ukuba awukwazi ukuhlawula ityala lakho kwerhafu nayiphi na enye indlela. Ingcali inokuthetha ne-IRS egameni lakho kwaye inokukunceda ukulawula inkqubo ukwenjenjalo. Ingcali inokukunceda ukuhlalutya imeko yakho yangoku yemali kunye nemiba yerhafu ukukunceda ukuba unqume ukuba yeyiphi inkqubo eya kuhambelana neemfuno zakho.
Izibonelelo ze-IRS onokuzifuna
- Ifomu 9465 : Ifom esebenziselwa ukucela isivumelwano sesiqinisekiso
- Isivumelwano sokuhlawula i-Intanethi: Isicelo sokuthumela isivumelwano sakho sokufakelwa kwi-Intanethi ngqo kwiwebhusayithi ye-IRS.gov
- Ifomu 433-F : Ingxelo yezemali, ebizwa ngokuba yiNkcazo yeNgcaciso yeeNkcukacha, esetyenziswe yi-IRS ukuhlalutya ingeniso yomhlawuli-ntlawulo, izindleko zokuphila kunye nexabiso lempahla.