Imali yeMali kunye neeShishini zeShishini
Iimali zenzalo zineencazelo ezininzi. Ngokumalunga nemboleko, yinkqubo yokuhlawula umboleko ngokuwenza iintlawulo ezibandakanya zombini inqununu kunye nomdla. Ukwabiwa kwemali kwakhona kufaka iindleko ze-asethi kwixesha leenjongo zerhafu.
Imali kunye nokunciphisa
Ukusetyenziswa kohlengahlengiso kunye nokusetyenziswa kweempazamo ngokuyinqobo kwenkqubo efanayo kodwa kwiintlobo ezahlukeneyo zeempahla. Nangona iindleko zokunciphisa iindleko zexabiso elibonakalayo kwimpilo yalo eluncedo, ukuchithwa kwemali kuthatha ixabiso lokuthengisa izinto ezingabonakaliyo njengezithuthi okanye iimvume. Imali ifana nexabiso lokunciphisa . Iindleko ze-asethi zisasazwa ngokunyuka okulinganayo kwiminyaka yobomi bayo.
Ukusetyenziswa kweMali yeeMali
Ishedyuli yohlengahlengiso isetyenziswa rhoqo ukubonisa inani lemali nenqununu ehlawulwa ngemboleko ngemali nganye. Inkqubo yesondlo ebonisa imali ehlawulwa inyanga nganye, kubandakanywa nemali ebonakalayo kumdla kunye nenani elipheleleyo lemali ehlawulwa ebomini mboleko.
Ungasebenzisa i-calculator yokwenza imali yemali yokuthenga imali ye-intanethi ukuze ufumane inkokhelo yenyanga yenyanga mboleko ngaphambi kokuba uzinikele kuyo. Uya kufuneka ukwazi inani lemali-mboleko, inzala, inani lazo zonke idiphozithi ofuna ukuyibeka phantsi, kunye nekota okanye ubude bemboleko.
Unokufumana uqikelelo lwenkokhelo yenyanga.
Umzekelo, ukuba uthetha imali engu-400 000 yemali iminyaka eyi-15 kunye neepesenti ezingama-20 kwi-rate ye-5.25 yepesenti, inkokhelo yenyanga iya kuba malunga ne-1881.
Ulwabiwo lweMali oluthatyathwa kwii-Assets ezingabonakaliyo
Uzakufuna ukubaluleka kwe-asethi kunye nobomi obunomlinganiselo obuncedo bokubala ukuhlaziywa kweempahla.
Ubomi balo obuncedo lixesha lokulindela ukuba lisebenzise kwi shishini lakho.
Isixa esilungisiwe sifana nonyaka ngamnye ukwenzela ukuba kubalwa ukuba kulula. Ngokomzekelo, inkampani inokuba ne-patent eyichitha iminyaka emininzi kunye ne-1 million yezigidi kwiindleko zokuphuhlisa. Ubomi obuncedo bentlanzi buqikelelwa kwiminyaka eyi-15, ngoko inkampani inokufaka ibango lama-66,667 ama-indleko kwiimali zokuhlawula imali ngamnye ngonyaka.
Ulwabiwo lweMali lubekwe njani kwiiNjongo zeRhafu
Imali yindleko efanelekileyo yokwenza ibhizinisi kwaye le ntlawulo ingasetyenziselwa ukunciphisa ingeniso yakho yerhafu. Iindleko zokuhlawula iindleko zonyaka, njengendleko zokunciphisa umnyaka, zimele zivele kwinkcazo yengeniso yenkampani okanye kwinkcazo yenzuzo kunye nelahleko .
Ukubalwa kwemali kuqukwa xa inkampani ilungiselela ukubuyisela irhafu yengeniso yazo zonke iimpahla ezivumelekileyo eziye zahluthwa. Ifom ye-IRS 4562, ukuhlaziywa kunye neMali, isetyenziselwa ukubala. Le fom ibandakanya kokuhla kwexabiso kunye nokubala kokunciphisa ipropati ebhaliweyo kunye nokuqulunqwa kwemali.
Iimpahla ezintsha zibhalwe kuqala, ngoko ke i-asethi eqhubekayo yokulungiswa kwemali ibalwe ngokulandelayo. Iibalo zitshintshelwe kwifom yerhafu ephezulu yokubuyisela iifom, eyahlukahluka ngokubhekiselele kuhlobo loshishino.
Indlela Iindleko Zokuqalisa Iingxowa-mali Ziyakwenziwa Ngamashishini
Iindleko zokuqalisa ishishini ziphathwa ngendlela eyahlukileyo. I-IRS idinga ukuba iindleko zokuqalisa zihluthwe, kodwa ayivumelekanga ukuya kwii-5,000 zamaxabiso okuqalisa ukunyuswa ngexesha lonyaka wokuqala wezoshishino.