Ingeniso yeRhafu yeNkcitho kwiiNkampani ezincinane zaseCanada onokuzilahleka

by USusan Ward

Ukuqhuba ishishini eChanada kukunika ihlabathi elitsha lexabiso lokuncitshiswa kweerhafu ongazisebenzisa ukunciphisa inani lemali yentlawulo omele uyihlawule ekupheleni konyaka werhafu okanye mhlawumbi, ukufumana imali yokubuyisela irhafu.

Kodwa ngaba unenzuzo ngokwenene kuzo zonke iirhafu ezichithwayo onokuzibhalela ngaphandle kweholo lakho? Nazi iintsilelo ezisibhozo zerhafu yengeniso yokuba amaninzi amashishini aseCanada angaboni.

01 - Ukukhutshwa kweRhafu yaseKhaya

I-Business Front Front. Umfanekiso (c) uDave McLeod / uSardan Ward

Abaninzi banamashishini abancinci baseKhanada bayazi ngokukhutshwa kweRhafu yaseKhaya . Kodwa abaninzi abakubonakaliyo ukuba bayazi ukuba ubukhulu benani-ntlawulo banokubango ngokusebenzisa ibhizinisi elisekelwe ekhaya , elivela kumdla kwi-mortgage yakho, ukuba uthetha ekhaya lakho, ngenxalenye yeendleko zokucoca iimpahla njenge- 6 Imali eSebenzi leShishini eliSebenzileyo Ukukhutshwa kweentlawulo Awufuni ukusilahleka .

02 - Uphando lwezenzululwazi kunye neNkcazo yoPhuhliso lweeNkcazo zeNtlawulo

Umfanekiso (c) uDave McLeod / uSardan Ward

Amashishini amaninzi aseCanada akaqapheli ukuba akudingeki ukuba ube ne shishini elikhulu okanye udidi olubandakanyekileyo lokuqhuba, kwaye ufune iikhredithi zerhafu, ulawulo lwe-SR & ED kunye neentsebenziswano zodwa zifanelekile. Kwaye into enhle malunga neprogram yerhafu ye-SR & ED kukuba irhafu yerhafu iyabuyiselwa, ngoko ke ukuba lakho ishishini aliyi kwenza nayiphi na inzuzo, uya kubuyiselwa imali ngemali. Funda Ungaphumeleli kwi-SR & ED yeNkqubo yeNtengo yeTyala ukuze ufunde kabanzi malunga nendlela ibhizinisi lakho elincinci lingabandakanyeka ngayo.

03 - Izibonelelo ezivumelekileyo njengeRhafu yokuNyuswa kweRhafu

Unokubamba imali kwi-reserve, i-akhawunti okanye i-fund ye-Income Tax Act, ivumela ukuba imali kunye nexabiso liqikelele, "kutsho i- Canada Revenue Agency kunye neNkxaso yeNgeniso yeMali . Umvuzo kufuneka ubuyiswe kwingeniso yakho kunyaka olandelayo, nangona unokuqala / ukubiza ibango elitsha kulo nyaka. Isikhokelo sichaza iincwadi ezininzi ze-CRA apho unokufunda khona ngokumalunga nokudala nokusebenzisa izibonelelo ezivumelekileyo, kuquka ne-Interpretation Bulletin IT-154R, i-Special Izibonelelo.

04 - Iingxowa-mali zokuTyala

Ngaba uyazi ukuba kukho i-Investment Credits Credits (i-ITCs) kwiimashishini zaseCanada eziza kukuvumela ukuba ususe iindleko zezinye iintlobo zepropati yakho yeshishini elincinci okanye enye yeendleko zakho zeshishini elincinci eliye lavela phezulu kwerhafu oyenayo?

Ngokuqinisekileyo, kukho imigaqo yokufaneleka kwaye ezinye ze-ITCs zifumaneka kuphela kumashishini afumaneke kwiindawo ezithile, kodwa ukuba ishishini lakho lifanelekile, lingaba lukhetho lwentlawulo yangempela. Imali Yentlawulo yeNtlawulo yeeNtengiso ze-Canadian Small Business inikeza iinkcukacha ezingaphezulu.

05 - IiNkonzo zezeMpilo eziPhezulu ziCwangcise iiNyanga zeMali njengeNgeniso yeNgeniso yeNgeniso

Unokukrazula iNkqubo yeeNkonzo zezeMpilo eziPhezulu (PHSP) zeeNtlawulo ozihlawulayo ukuze uziqinisekise okanye naluphi na ilungu lendlu yakho, nje kuphela xa usebenza ngokuzimeleyo. Oko kuthetha ukuba:

inzuzo yakho yomnatha kwimisebenzi yengqesho (ngaphandle kweelahleko kunye neenzuzo ze-PHSP) kunyaka okhoyo okanye wangaphaya ngaphezulu kwe-50% yengeniso yakho yonke; okanye
ingeniso yakho evela kwimithombo engeyiyo ingqesho ye-$ 10,000 okanye ngaphantsi kwonyaka okhoyo okanye wangaphambili;
unomdla kwiqhinga lakho ngokuqhelekileyo nangokuqhubekayo, ngokwawo okanye njengomlingani.

Isahluko 3 seNkampani yeCanada yeNgeniso yeShishini kunye neNkcazo yeNgeniso yeNkcazo ichaza indlela yokubala ingeniso yakho ukuze uqiniseke ukuba unelungelo lokunciphisa irhafu.

06 - Ukuqasha Umlingani wakho okanye Umntwana Uya Kukunika Ukukhutshwa kweRhafu

Mhlawumbi ngoku Ixesha lokuqesha abaqeshwa.

Nanini na xa uqesha umntu, indleko yomvuzo womqeshwa yindleko yoshishino . Kuyafana kunjalo nangona umqeshwa wakho omtsha ungumlingane wakho okanye umntwana. Ukwahlukana kukuba ukuqesha umlingane wakho okanye umntwana naye kukunika ithuba lokwenza ulwahlulo oluthile. Ngokuqesha umlingane wakho okanye umntwana wakho kwishishini lakho, unokukwazi ukuhlawula umvuzo wakho kwinkokhelo yentela engaphantsi, ukuhlawula irhafu yokunciphisa irhafu. Funda kabanzi ngokufunda iRhafu yeNkcazo yeNgeniso yeNkcazo yaseCanada kunye neNgeniso yokuNikwa kweNgeniso .

07 - Uqeqesho lweNkcazo yokuThuthwa kweNtlawulo yaseJob

Ukuba ishishini lakho liqesha abahwebi, unokufumana iRhafu yeMali yeNtlawulo kwi-$ 2,000 ngokuqesha umqeqeshi osebenza kwiminyaka emibini yokuqala yokufunda kwakhe.

Unokuthabatha umntu onokufunda njengomnikazi wedwa, naye. I- Job Job Creation Tax Credit yithuba elihle lokufumana uncedo olunezakhono ekusebenzeni ngalo ngexabiso elincinci.

08 - Intlawulo yeNtlawulo yeNtlawulo yeZithuba zokuNakekela abantwana

Ukuba awusebenzi umsebenzi weenkonzo zonyango lomntwana, ibhizinisi lakho linokubhenela imali yentlawulo yerhafu engabuyiselwayo ye-$ 10,000 kwindawo yokunyamekela abantwana okanye i-25% yenkcitho efanelekileyo yokunyamekela kwabantwana abatsha indawo yakho eyenza ukhathalela abantwana isibonelelo soshishino lakho lusebenza ngenjongo yokuzuza kubantwana babasebenzi bakho. Iinkonzo Zentlawulo Yentlawulo Yomntwana inikezela ngolwazi olungaphezulu.

09 - kwaye ezi ziNkokeli zeRhafu eziNqatshelwe kuphela

Khumbula, ukuncitshiswa kweerhafu kula maphepha yiloo nto abaninzi abanikazi bamashishini abangaboniyo, mhlawumbi ngenxa yokuba abazange baqaphele ukuba intsalelo yentlawulo ingasetyenziswa kwi shishini labo okanye ngenxa yokuba babengayazi ukuba bangakwenza oko.

Kukho ezinye iirhafu zokunciphisa irhafu efumanekayo ezikhoyo kumashishini amancinci eCanada enokuyifunda ngazo ngala manqaku:

Zonke izithintelo zerhafu ezifunekayo zifanelekile ukuzihlolisisa wena kunye / okanye uxoxe nomgcini-akhawunti wakho-onokubanjiswa kweerhafu!