Isicwangciso seRhafu kwiShishini elincinci eliya kunciphisa irhafu yakho yeNgeniso
Qaphela ukuba ezinye zezicwangciso zisebenza kuphela kubantu abaqhuba i- proprietorship okanye yedwa , abafake irhafu yabo yengeniso ngokusebenzisa i- T1 yentlawulo yerhafu yomntu .
( I-Return Your Tax Income Tax Return iya kukukhokelela kwinkqubo yokugqiba le ntlawulo.)
Amacandelo eSibonelelo soRhwebo lweNcinci
1) Hlala uqokelela iirisithi kwimisebenzi enxulumene nezoshishino.
Ukuqhuba ishishini kudla ixesha kwaye abanye abantu boshishino abanakukhathazeka ukufumana okanye ukugcina iirisithi zezinto "ezincinci". Nangona kunjalo, imirhumo yokupaka endleleni yokudibana nomthengi, iileta "ezimbalwa" ozithumelele zona, isikhwama sekhofi owathabatha kwiofisi - zonke ezi zinto ezincinci zingenakongeza ngaphezu kwexesha lonyaka.
Nciphisa ixabiso lakho lokunciphisa irhafu ngokuqokelela iirisithi kuzo zonke izinto ozithengayo ezikhoyo okanye ezinokuthi zenze i-intanethi kwaye zirekhode kwaye zifake ngokufanelekileyo.
Khumbula ukuba i-Arhente yeRevenue Revenue Agency (CRA) ayifumelanga ukuba yamkele iingxelo zekhadi lesikratshi njengobungqina benkcitho - kufuneka ugcine iirisithi zakho zangaphambili xa zifunwa yi-CRA. ( Kufuneka ugcine ixesha elingakanani ?)
2) Ukulawula iRRSP ne-TFSA iminikelo.
Isicwangciso soLondolozo lwaMhlala-phantsi (RRSP) kunye neeNkcazo zokuThumela iiRhafu zeNtlawulo (TFSA) zihle kakhulu kwiRhafu yeNgeniso yeMali yabanikazi beShishini abancinci, ngokukodwa kubanikazi bodwa okanye abalingani.
Ingaba kufuneka wenze igalelo eliphezulu leRRSP unyaka ngamnye kuxhomekeke ekubeni ingakanani imali yakho engenayo iyashintsha unyaka ngamnye.
Ingxowa yerhafu evela kwigalelo leRRSP isekelwe kwisantya sakho serhafu esezantsi kwaye ekubeni ezinye okanye zonke igalelo zakho ezivumelekileyo zeRRSP zingaqhutyelwa phambili kwiminyaka esilandelayo ungcono ukonga imali yeRRSP kwiminyaka okulindele kuyo imali engenayo.
Qaphela ukuba ukuba iqela lakho elincinci lenziwe njengenkampani inzima kakhulu. Amanqanaba omrhumo weRRSP asekelwe kwimali engenayo evela kumvuzo, ngoko ke ukuba ukhetha ukufumana enye okanye yonke imali yakho ngenzuzo yezabelo, kuya kunciphisa okanye kuphelise igalelo lakho leRRSP. Jonga iMvuzo okanye iSahlulo seShishini-Ufanele uzihlawule njani?
Njengoko igama lithetha, i-TFSA ikuvumela ukuba ukhusele imali yokugcina indawo kunye neengeniso-mali zentlawulo. Ingeniso kunye nokuxabisa okukhulu kwiimpahla, izibophelelo, okanye ezinye iimpahla ezithwala inzala ayinanto yentlawulo ngaphakathi kwe-TFSA. Ukuba uye wakhankanya umnikelo wakho weRRSP kwaye udinga indawo engenahla yerhafu ukubeka imali okanye utyalo-mali i-TFSA yinto efanelekileyo.
3) Khulisa ilahleko zakho ezingekho kwemali.
Ngokufanayo, ukuba ishishini lakho linokulahlekelwa kwexabiso elingenanto-mali (kuchazwe njengoko iindleko zakho zigqithisa imali engenayo kwishishini) nawuphi na unyaka, cingisisa xa ungayisebenzisa le ntlawulo ngokunciphisa umrhumo wakho werhafu ngaphambi kokuba uyisebenzise.
Ukulahlekelwa kwemali engekho-mali ingasetyenziselwa ukunciphisa enye ingeniso yonyango kunoma yimuphi umvuzo werhafu, unokubuyiswa emva kweminyaka emithathu, okanye uqhutyelwe phambili ukuya kwiminyaka esixhenxe. Kungenza kube nengqiqo ukuba uphathe ilahleko yakho engenayo imali ukuze ufumane irhafu yengeniso oye uyihlawula, okanye ukuqhubela phambili ukuhlawula ibhajethi enkulu yerhafu kwixesha elizayo kunokuba lisebenzise kulo nyaka werhafu. ilahleko elahlekileyo yenzeka. Jonga iindleko zokumangala kwi-Business Loss kwi-Canadian Taxes .
4) Khulisa iikhredithi zakho zerhafu yengeniso.
Iminikelo yokuhlawulela kwiibhanki zaseCanada ezibhalisiweyo okanye ezinye ii-does ezifanelekileyo zifumana iimali zerhafu . Kodwa ngaba uyazi ukuba iminikelo yokunceda imali engaphezulu kwama-$ 200 anikezela ngetyala lemali yerhafu ngenxa yokuba ihlolwa kwizinga eliphezulu?
Ukwandisa izikratshi zakho zerhafu yengeniso, qwa lasela ukunikezela ngakumbi kwiibhaliswe ezibhalisiweyo ezikhethiweyo kulo nyaka.
Ukuba wenza imali engama-30,000 kwiingeniso kwaye wanquma ukunika kuphela i-5% yengeniso yakho, inzuzo ezukileyo iya kufumana i-$ 1500. (Qaphela ukuba izibonelelo ezingabhaliswanga zaseCanada, izibonelelo zaseMerika, kunye namaqela ezopolitiko ayibonakali njengenzuzo yokunciphisa irhafu yengeniso.)
5) Khulisa i- Capital Cost Allowance (CCA) yakho yerhafu yentlawulo.
Abaninzi banamashishini abancinci baseCanada bayazi ukuba esikhundleni sokunciphisa nje ixabiso lepropati eye bahlawulela ukuyisebenzisa kwi-shishini labo kunyaka othile, kufuneka bathathe iindleko zepropati ehlaziyekileyo kwixesha elidlulileyo leminyaka, ngokusebenzisa iNkunzi Ibango leSibonelelo seMali.
Kodwa abaninzi abanikazi beshishini abaqapheli ukuba abanakho ukubiza iBango leNkcitho yeNtengo ngonyaka owenzekayo - isicwangciso esincinci sezorhafu soshishino ongasisebenzisa ukunciphisa irhafu yakho yengeniso. I-CCA ayikho inyanzeliso yerhafu enyanzelisayo ukuze usebenzise kakhulu okanye njengento encinci ye-CCA yakho ibango kunyaka werhafu njengoko ufuna; unokwenza nayiphi na isahlulo esingasetyenziswanga ukulungiselela ukuncedisa umrhumo omkhulu werhafu yengeniso kwixesha elizayo. Akunangqiqo ukuba uthathe ixabiso lakho lokubanjiswa kwebango le-Capital Cost Allowance ngonyaka ongekho okanye engenakho imali engenayo.
Enye into yokwandisa ibango lakho leSibonelelo seNdleko zeNtengo-mali kukuthenga (kwaye uthengise) impahla yakho ngexesha elifanelekileyo . Ufuna ukuthenga i- asethi entsha ngaphambi kokuphela konyaka wakho wezezimali kwaye uthengise iimpahla ezindala emva konyaka wezimali okhoyo.
Qaphela kwakhona, ngolawulo lwama-50%; kunyaka ofumana i-asethi, ngokuqhelekileyo unokufuna kuphela i-50% yeSibonelelo seNdleko zeNtengo (Capital Cost Allowance) oya kukwazi ukuyibiza (kwaye kwezinye iimeko, umgaqo "okhoyo wokusetyenziswa" uthetha ukuba awukwazi ukubiza ibango I-Allowance yeendleko kude kube yonyaka wesibini werhafu emva kokuba ufumene i-asethi).
Funda konke malunga nokubala nokubiza i-Capital Cost Allowance.
Unokufisa nokufunda Indlela yokubamba i-CCA kwiSithuthi esiThengiweyo malunga nokuSebenza koShishino .
6) Ukwahlula umvuzo wakho.
Isicwangciso esincinci serhafu soshishino sikuvumela ukuba usebenzise ngokupheleleyo ukulinganiswa kwezinga lokuhlawula irhafu. Iphakamileyo yengeniso yakho, ukuphakama kwezinga lakho lentela eKhanada. Ngokudlulisela inxalenye yengeniso yakho kwilungu lentsapho elinomvuzo ophantsi, onjengeqabane okanye umntwana, unokunciphisa izinga lokuhlawula irhafu kwimali yakho engenayo.
Isicwangciso serhafu esinamandla kakhulu kubanini bamashishini abancinci nabantwana beminyaka yobudala beziko lesibini. Masithi uqeshe intombazana yakho eneminyaka engama-19 kwishishini lakho, umhlawula umvuzo we-$ 10,000. Ngenxa yokuxolelwa kwerhafu yengeniso yonyango, uza kuhlawula irhafu encinane yengeniso, kwaye abe neyona nhle-iqanda eliza kukunceda ukuhlawula imfundo yakhe.
(Ukuba uhlawule umvuzo olinganayo nokuxolelwa kwerhafu yengeniso, akayi kuhlawula irhafu yonke!) Okwangoku, "ulahle" imali engama-R10 000 ngaphandle kwengeniso yakho yonyaka, ukunciphisa inani lemali yengeniso oyifumanayo. Funda Ukutshatyalaliswa kweNgeniso yezoRhwebo zaseCanada ukuze ufunde kabanzi.
Ukuba unenjongo yokuqesha ilungu lentsapho kwishishini lakho, gcina amabango akho afanelekileyo kwaye ugcwalise onke a maphepha njengokuba uza kuqeshisa nawuphi na umsebenzi okanye ikhontrakta (unokukunika i-invoyisi ngokufanelekileyo ngomsebenzi owenziweyo). Ukuqasha umfazi / umyeni wakho ngamawaka eedola ngenyanga malunga neeyure ezimbalwa zomsebenzi ukuphendula ifowuni okanye ukufakela indlela eqinisekileyo yokutsala ingqalelo kwi-Arhente yeRevenue Revenue kunye nokufunyanwa kwamabango akho.
7) Yisebenzise ngokupheleleyo iingeniso zerhafu ezifumanekayo ezikhoyo kumashishini asekelwe ekhaya .
Ngaba uqhuba ibhizinisi lakho ngaphandle kwekhaya lakho? Ukuba akunjalo, kukuthintela ntoni? Nangona akusiyo yonke ibhizinisi ifanelekileyo ishishini elisekelwe kwikhaya, ishishini elisekelwe ekhaya lineenzuzo xa lifika kwerhafu yengeniso .
Ngaphandle kweShishini lokuThengiswa kweeNkampani-basekhaya , abanikazi bezentengiselwano basekhaya basenokungenisa inxalenye yeendleko ezinxulumene nekhaya, ezifana nokushisa, umbane, ukugcinwa kwezindlu, izinto zokucoca kunye ne-inshurensi yasekhaya.
Ukuba unayo ikhaya lakho, unako ukukhawuleza isahlulo seerhafu yakho yepropati kunye nenzuzo yomhlalaphantsi. Iingxowa-mali zokuShishino zaseKhaya ezisekelwe ekhaya Awufuni Ukusilahleka ziya kunika ulwazi olungakumbi malunga nalezi zithintelo zerhafu ezingenako.
8) Ukubandakanya ishishini lakho?
Esinye isizathu kuba baninzi abanini kunye nabalingani ababandakanya amashishini abo ngenxa yeenzuzo zerhafu zokubandakanywa. Eyona yaziwa kakhulu yile ntlawulo yerhafu yiNkcenkcesho yokuRhweba kweRhafu yeShishini elincinci , apho ingeniso yamashishini afanelekileyo aseCanada ahlawuliswa kwizinga elithile "elincinciweyo". Kwi -corporation yangasese elawulwa yiCanada ibango lokuncitshiswa kwe shishini, irhafu yentlawulo ye-intanethi i-10.5%. Kweminye imimandla yenkampani, inqanaba lentlawulo yerhafu yenkampani i-15%.
Nangona kunjalo, ukubandakanya ishishini lakho njengeqhinga leserhafu liza kusebenza kuphela ukuba ishishini lakho likhule ngokwaneleyo ukuze kubandakanywe ukubaluleka. Awunelanga nje ukuba ube neengeniso eziqhelekileyo sele sele uhlawule iindleko zokubandakanya kodwa kufuneka ulungele ukushiya ngokwaneleyo kwimivuzo yakho yoshishino kwi-corporation ukuze uzuze kwi-taxer deferral.
Ngokomzekelo, ukuba uqhuba ibhizinisi elibandakanyiweyo kunye nenzuzo yenkampani kunyaka owanikwayo i-$ 60,000, kodwa uthabatha i-$ 60,000 kwi-corporation ngomvuzo, i-$ 60,000 yakho ihlawulwa irhafu njengokuba iholo lakho lomntu (T1) luza kufumaneka ngoku, ukwenza ukuhlanganiswa kwesi sizathu singenanto. Ngaba Ufanele Uhlanganise I-Amashishini Akho Amancinci? ucacisa iindleko eziqhelekileyo kunye nokungalunganga kokufakwa.
Qala ukunciphisa iRhafu yakho yeNgeniso namhlanje
Ngelixa zonke ezo zicwangciso ziya kusebenza kuyo yonke ibhizinisi elincinci, sinethemba lokuba lolu luhlu luye lwafumana ukucinga malunga nokucwangcisa irhafu . Ingeniso yerhafu yengeniso ohlawulayo ayikho ebhaliweyo ebhalwe ngamatye. Kukho izinto zezomthetho, ngamanye amaxesha izinto ezinokuthi ungenza ukuze unciphise umrhumo wakho werhafu yengeniso - isicwangciso esincinci sezorhafu shishini onokuqalisa ukusebenzisa namhlanje.