Amanyathelo Bonke abaMhlaba kufuneka bathathe
Ukuqinisekisa ingeniso kunye nengqesho yinkqubo yesithathu:
- Isicelo sokuhlawula kunye nee- W2s , okanye izitatimende zebhanki kunye neFomu 4506 ukusuka kwi-IRS.
- Xhumana nomqeshi kunye nokukhupha isicelo sokuqinisekisa umsebenzi.
- Hlola i-Credit Check .
1. Ukucela i-Paystubs kunye ne-W2s, okanye iiNgxelo zeBhanki kunye neFomu 4506 Kwi-IRS
Inxalenye yokuqala yokuqinisekisa ubungeniso bemiqeshi ukuba bacele amaxwebhu afanelekileyo kubo.
Kubanikazi Abaxhamli abanomqeshi:
Paystubs:
Isicelo esilula siyi-paystub. Uya kufuna ukucela i-paystub ukusuka kwiinyanga ezimbini zokugqibela okanye ezintathu. Le paystub iza kubhala uluhla lokuhlawula luqale nomhla wokugqibela, ngoko unokuwusebenzisa ukucacisa ukuba umqeshi weveki nganye, ngenyanga nenyanga engenayo. Le ntlawulo iya kubhala uluhlu olupheleleyo kunye net (emva kwentlawulo) ngeniso yomfaki sicelo. Kufuneka kwakhona uluhlu lwawo nyaka ukuya kumhla wokufumana.
W2s:
Njengokhuseleko olongezelelweyo, kufuneka ucele iikopi zabafake izicelo ze-W2. Oku kuza kubonisa ukuba ingeniso engakanani abaye bayibhengeza kunyaka wonyaka werhafu.
Kuya kukuvumela ukuba ubone ukuba baneengeniso ezizinzileyo kunyaka owedlule.
Kubaxhamli abaPhezulu abaSebenzayo:
Iingxelo zeBhanki:
Ekubeni abantu abazisebenzisayo abayi kuba ne-paystub, into enokuyenza yinto yokucela iikopi zeenkcazo zabo zebhanki ukuqinisekisa ukuba banenzuzo engenayo.
Kufuneka ucele izitatimende zasebhanki kwiinyanga ezimbini okanye ezintathu zokugqibela ukuze ufumane umfanekiso ongcono wengeniso yabo ngenyanga.
Ifomu Ifayile 4506 I-IRS:
Abanye abanikazi bamazwe bayanqikaza ukurenta abantu abaqeshwe ngabanye kuba kubaluleke kakhulu ukuba baqinisekise ingeniso yabo. Enye indlela yokwenza oku kukuba ube ngumqeshi angenise ifomu 4506 kwi-IRS, eso sicelo sokufumana ikopi yerhafu yomqeshi yerhafu. Ingxaki ngolu xesha kuthatha ukufumana le khophi. Ingathatha iintsuku ezingama-60 ukulungiselela le sicelo, kwaye abaninzi bezindlu abanakukwazi ukulinda elide ukuzalisa isithuba. Iindleko nayo yinkinga, njengoko i-$ 57 yokufumana le khophi.
Inketho ekhawulezayo kwaye engabizi (yamahhala!) Ukwenza ifom yefayile ye- 4506-T , isicelo sokubhalwa kwerhafu yomqeshi. Oku ngokuqhelekileyo kuthatha olunye usuku loshishino ukuba lufumane kwaye luyakululatha ulwazi olubalulekileyo olufunayo.
2. Ukuqhagamshelana noMqeshi wabo kunye nokuSusa isicelo sokuVunywa kweNgqesho
Le yabangabashibi abanomqeshi . Ukuqinisekisa ubungqesho, uya kufuna ukuqhagamshelana nomqeshi ngqo kwaye ukhuphe isicelo sokuqinisekisa umsebenzi. Oku kukuqinisekisa ukuba umenzi wesicelo, ngokwenene, asebenze apho kwaye aqinisekise ubungqina bentlawulo abenzileyo.
Qaphela kwakhona: Ifomu yesicelo sokuqinisekiswa kweNgqesho yokuSetyenziswa
3. Ukusebenza kweNkokhelo yokuTyala
Ukukhangela ingxowa yemboleko kumntu oza kuba ngumqeshi uya kukunika ingqiqo kwimpilo yabo yezezezimali. Ikhonkco yokukhangela izakubonisa ukuba ngaba bakwazi ukuzalisekisa zonke izibophelelo zabo zemali. Uza kufunda amanqaku abo okuthenga ngetyala, ingaba banamatyala amaninzi, ukuba ngaba baye bafaka i-bankruptcy, ukuba ngaba naziphi na izigwebo ngabo kunye nokuba baye baxoshwa.
Kunencedo ngokukhethekileyo ukuthelekisa inkokhelo yomnini-mali ohlala kuyo, ekuthiwa ityala labo ngenani lemali. Ukuba benza i-$ 40,000 ngonyaka kodwa banama-40,000 kwi-matyala, bangaba nobunzima bokuzalisekisa intlawulo yabo yenyanga.
Nangona ingxelo yengxelo yemboleko ingabonisi abaqeshi bamanje okanye abadlulileyo, ibonisa ukuba ngubani oqhuba isheke kwi-credit.
Abaqeshi baya kuqhelana nokukhangela ingxowa-mboleko kumfaki sicelo ngaphambi kokuba aqeshwe. Ikhredithi yokuthenga ngetyala ingakubonisa uluhlu lwabaqeshi abaye bajonga kwakhona i-credit card yomqeshi kutshanje, nangona akuthethi ukuba baqeshwe ngumfaki sicelo. Uya kufuneka uphonononge ngakumbi kwaye uqhagamshelane nomqeshi ngqo ukucacisa iinkampani apho umqashi oqeshwe khona.
Qaphela kwakhona: Indlela yokuLawula iNgxowa-mboleko kwiNgxowa-mboleko