I-General Jikelele yeNtengiso (ifom 3800) ikuvumela ukubala inani leemali zerhafu onokufaneleka kulo nyaka werhafu othile, kuquka naliphi na irhafu ephethe umthwalo kwaye uqhube phambili (iikhredithi zerhafu ozithwalayo okanye eziqhubela phambili kwezinye iirhafu minyaka). IRS ithi:
Ikhredithi yakho yeshishini ngokubanzi yonyaka iqhubekele phambili ekuqhubekeni kweekhredithi zamashishini kwiminyaka eyadlulileyo kunye nomyinge weekhredithi zamashishini akhoyo. Ukongeza, i-credit yakho jikelele yonyaka okhoyo unako ukwandiswa kamva ngokubuyiselwa kwamakhredithi emashishini kwiminyaka kamva. Uyakhupha le ngetyala ngokukodwa kwerhafu yakho.
Ndingagqiba njani i-credit jikelele?
Kufuneka uzalise ifomu ethile kwikhredithi ngalinye othabathayo, ke udibanise zonke ezi khredithi kwiFom 3800 kwi-kredit yebhanki jikelele.
Ziziphi iikhredithi zerhafu zeshishini ezibandakanyiweyo kwi-kredit yebhanki jikelele?
Credits ezintsha :
- I-Intlawulo yeNtlawulo yeNtlawulo yezeMpilo zeNcinci , evumela abaqeshi abancinci ngetyala lokubonelela ngempilo kubasebenzi
- UMthetho woLuntu (uMthetho-mali weMisebenzi) Imirhumo yeRhafu yokuqesha abasebenzi basebenzi abangaphangeliyo ngo-2010. Le mboleko yerhafu ayifumaneki nayiphi na iminyaka emva kuka-2010.
Iirejista zeRhafu eziqhubekayo
Ezibandakanyiweyo kwingxowa-mboleko yoshishino jikelele lulandelayo. Zonke ezi khredithi zilandelayo ziyinxalenye yesikweletu somsebenzi jikelele. Ifomu oyisebenzisayo ukufumana nganye ngetyala iboniswa kubazali.
- Inye yemali yemali (Ifom 8910). Le khredithi iqulethe izikrithi ezithile kwizithuthi ezithile ozibekayo enkonzweni. Ukufumana ulwazi oluninzi, funda ifomu 8910.
- I-Biodiesel kunye ne-diesel fuel diesel (Ifomu 8864). Le ngxowa-mali isebenza kumatshini athile athengiswe okanye asetyenziswa kwi shishini lakho. Ukufumana ulwazi oluninzi, funda Ifomu 8864
- Ikhredithi yomqeshi wokhuseleko loluntu kunye neerhafu zemirhumo ezihlawulwe kwiingcebiso ezithile zabasebenzi (Ifomu 8846). Inkokhelo ngokulinganayo ilingana neyakho (yomqeshi) inxalenye yokhuseleko loluntu kunye nentlawulo ye-Medicare ehlawulwe ngeengcebiso ezifunyenwe ngabasebenzi bokutya kunye nesiphuzo sokuphuza ukuphuza ukuphunga. Ikhredithi isebenza kungakhathaliseki ukuba ukutya kuphelile okanye kuvaliwe kwindawo yakho yeshishini. Ukufumana ulwazi oluninzi, funda ifomu 8846.
- Iintlawulo zemali yokuhlawula umvuzo womqeshi (Ifomu 8932). Le ngxowa-mali inikezela ngamashishini athile amancinci ngenkuthazo yokuqhubeka nokuhlawula umvuzo kumqeshwa owenza iinkonzo emsebenzini osebenzayo kwiinkonzo ezifanelwe iUnited States ixesha elingaphezu kweentsuku ezingama-30. Ukufumana ulwazi oluninzi, funda ifomu 8932.
- Ikhredithi yabasebenzi beenkonzo zokunakekela abantwana kunye neenkonzo (Ifomu 8882). Le ngxowa-mboleko isebenza kwiindleko ezifanelekileyo ezihlawulwayo ngenxa yokunakekelwa kwabantwana kunye neendleko ezifanelekileyo ezihlawulwe kwiinkonzo zokunakekela abantwana kunye neenkonzo zokuthumela. Ukufumana ulwazi oluninzi, funda ifomu 8882.
- Imboleko yokunyusa imisebenzi yophando (Ifom 6765). Le ngxowa yenzelwe ukukhuthaza amashishini ukuba akhulise imali eyichithayo kuphando kunye nemisebenzi yokuhlola, kubandakanywa nophando lwamandla. Ukufumana ulwazi oluninzi, funda ifom 6765.
- Iingxowa-mali zeprogram yomhlalaphantsi omqeshi iindleko zokuqalisa (Ifomu 8881). Le ngxowa-mboleko isebenza kwisicwangciso somhlala-phantsi sokuhlawula iindleko ezichaziweyo ezichaziweyo ezifanelekileyo okanye icebo logalelo elichaziweyo (kubandakanywa nesicwangciso se-401 (k), ISICWANGCISO se-SIMPLE, okanye ipenshini yomqeshwa elula. Ukufumana ulwazi oluthe vetshe, jonga iPublication 560, IziCwangciso zoBuhlala kwiShishini elincinci (i-SEP, elula, kunye neziCwangciso ezifanelekileyo).
- Amandla amaninzi avuselelekayo, amafutha afanelekileyo, kunye neengqonge ezingekho kweziqhelekileyo ziyafumaneka. Ezi ziquka izikromelo zamandla angaphinda ahlaziywe, amandla omhlaba kunye namandla alanga, amandla ombane, i-biofuels kunye nokunye. Funda kabanzi malunga nemisebenzi yoshishino lokugcina amandla kunye nokusingqongileyo.
- I-credit access disability (Ifomu 8826). Le ngxowa yinkokhelo yerhafu engahlawulwanga yerhwebo elincinci elifanelekileyo elihlawulela okanye lenze iindleko zokubonelela ukufikelela kubantu abanokukhubazeka. Umele uhlawule okanye wenze iindleko ukwenzela ukuba ishishini lakho lihambisane noMthetho waseMelika okhubazekileyo we-1990. Ukuze uthole ulwazi oluthe vetshe, funda Ifomu 8826.
- Ummandla woxhotyiso kunye nokuhlaziywa kwemali yengqesho yoluntu (Ifomu 8844). Unakho ukufumana ilungelo lokufumana le ngxowa-mali ukuba unabasebenzi kwaye usebenza kwishishini kwindawo yokuxhotyiswa okanye uluntu olutsha olwenziwe ngetyala. Ukufumana ulwazi oluninzi, funda ifomu 8844 kunye noPapasho 954.
- Imali- mboleko yengqesho yaseNdiya (ifomu 8845). Le ngxowa-mboleko isebenza kumvuzo ofanelekileyo kunye ne-inshurensi yempilo ehlawulwayo okanye eyenziwa ngabasebenzi abafanelekileyo. Ukufumana ulwazi oluninzi, funda ifomu 8845 kunye noPapasho 954.
- Iimarike ezintsha zeentengo zemali (Ifomu 8874). Le ngxowa-mali i-equity investment equity-investments eyenziwa kwiinkampani eziphuhlisekileyo zophuhliso loluntu. Ukufumana ulwazi oluninzi, funda ifomu 8874.
- Inkokhelo ye-fuel source engekho- mveliso (ifomu 8907). Le ngxowa-mali i-coke efanelekileyo kunye ne-coke yegesi oye wakhiqiza kwaye ithengiswa kumntu ongenamnye kunyaka werhafu. Ukufumana ulwazi oluninzi, funda ifomu 8907.
- Imali- mboleko yemoto (ifowuni 8936). Le ngxowa-mali i-new drive ipakisha ye-electric drive izithuthi ezifakwa kwinkonzo ngethuba lonyaka werhafu. Ukufumana ulwazi oluthe vetshe, kubandakanywa nolwazi kwizinto ezibhekwa njengezixhobo ezifakekileyo zokuqhuba imoto yombane, funda ifomu 8936.
- Umsebenzi wesikweletu (Ifomu 5884). Le ngxowa-mali inikezela amabhizinisi ngenkuthazo yokuqesha abantu abavela kumaqela ajoliswe kuwo anezinga eliphezulu lokungabikho kwemisebenzi okanye ezinye iimfuno zengqesho ezizodwa. Ukufumana ulwazi oluninzi, funda Ifomu 5884.