Kubhadhara Mutero Kutarisira Kuda Mari

Kurumidza Kuwana Cash, asi paMutengo Wemagetsi

Kubhadharwa Kwekuripira Mutero (RAL) chikwereti chinopiwa nemakambani mazhinji ekugadzirira mitero kune vanhu vanopesana nemutero wavo wekudzorera. Chikwereti chekubhadhara mutero chinogona kubvumirwa nenzira yemaminitsi uye mari inowanikwa mukati mezuva kana maviri. Izvozvi zvikwereti zvakavakirwa pamari yakazara yemari yekubhadhara mutero. Mari inogona kuve yakabhadharwa nemari yakazara kana chikamu chiduku chekudzorerwa kwakatarwa. Apo cheki yacho inosvika pahofisi yekugadzirisa mutero, chikwereti chinobhadharwa zvakakwana, neine chido, uye imwe yero yakasara inopiwa kune mupiro.

Vanhu vazhinji vanoshandisa purogiramu iyi kuti vawane mari yakakurumidza mari pasina kufunga nezvemahombekiti ezvinyorwa akabatanidzwa.

Kunyange zvazvo pasina chekwereti chekwereti kugamuchira idzi zvikwereti nenzira yakatarwa, chikwereti chinogadzirira chinofanira kukumbira ruzivo kubva kune IRS kuti uone kana pane zvikwereti zvinopesana nezvinobhadharwa. Zvisungo zvinogona kuiswa pamusoro pemari yekubhadhara yemitero yakadzoka , yakapfuura yakakodzera chikwereti chevadzidzi uye kumashure kwevana vanotsigira . Kana kubatana kunopesana nezvinobhadharwa mari, chikwereti chinotarisirwa kubhadhara chinogona kurambidzwa kana kungopiwa chenguva yekubhadharwa mari.

Chikonzero nei RAL Mikopo Isingatengi Mutengi

Vanhu vari kufunga nezvekubhadhara mutero kunotarisira chikwereti vanofanira kuedza kudzivisa purogiramu. RAL zvikwereti zvine mari yakakwirira yebasa uye mari yemari inowanikwa. Nemhaka yokuti idzi zvikwereti ndezvenguva pfupi yekubhadhara mari, haisi kutungamirirwa pasi pemitemo imwechete yezvikwereti zvinokwidziridza sezvinowanikwa zvikwereti . Zvakafanana nemari yekubhadhara chikwereti , muhomwe weRAL une chikwereti chezvikwereti zvinosvika kupfuura 200% APR.

Somuenzaniso, chikwereti chinotarisirwa kubhadhara mari chaiyo chaizogona kukudharai madhora mazana maviri ekukwereta mashoma mashoma kwemazuva mashanu.

Zviri nani Kubhadharwa Kwekubhadhara

Pakombiyuta kutumira mitsara yako kunogona kukupa mubhadharo mune zvishoma semavhiki maviri. Kana uine bhangi yebhangi, iwe unogona kuwana mari yacho yakangoerekana yaiswa mune kunyange nguva shomanana.

Chido chezvikwereti izvi hachichidiwi. Vashandi vanoda kugamuchira mari yavo nekukurumidza kupfuura vhiki mbiri vangada kufungidzira imwe nzira yezvemari yekudzivisa izvi zvakakwirira-nhanho.

Kana usina mari yebhangi, unogona kutora kutenga bhadha rebhadhiro rebhadhiro . Mazhinji emakadhi aya anogonawo kuita sebhangi rebhangi uye anogona kugamuchira magetsi. Shandisa kadhi ine nhamba dzekutora dzinowanika, uye iwe uchabatsirwa nekubudirira kumwechete pakugamuchira mari yako. Aya mabhengi ari muIndaneti anobatsira zvikuru kune avo vakambova nezvikwereti munguva yakapfuura. Kamwe mari yacho yatumirwa kukadhi rako, unogona kuiwana pakarepo.

Nhau Kubva ku IRS Pamusoro Pokubhadharwa Kwemari

IRS yakabudisa chirevo chiti hachizogoni kupa vhudzi ruzivo kumakambani ekugadzirisa mari. Iyi ruzivo pamusoro pemitero yemitero inokosha pakukwanisa kwavo kupa RAL zvikwereti. IRS yakataura kuti kuburikidza nekupa basa iri kune makambani aya, vari kupesana nehupfumi hwevateresi kuti vape mari kune idzi makambani ega.

IRS yakaramba ichitsanangura kuti kutanga kwekusununguka pasina mahwindo kuburikidza nenzvimbo yavo, magwaro ekufambisa magetsi uye nekukurumidza kuti izvi zvinotsiviwa zviri kushandiswa zvinofanira kubvisa kudiwa kwemhando idzi dzezvikwereti.

Muna 2009, vatengi vakashandisa mamiriyoni mazana manomwe emadhora mubhadharo yemhando idzi dzezvikwereti. Nhamba inoshamisa yezvikwereti mamiriyoni masere chete ari kushandiswa. Icho chikamu chemadhora mazana mapfumbamwe nemazana matatu nemakumi matatu emari pamunhu mumwe nomumwe pamusana wezvikwereti izvo zvinowanzotora vhiki kana maviri.

Vose vanopa zvikwereti zvezvikwereti izvi, H & R Block naJackson Hewitt, vari kumativi emauto, vachitaura kuti kuguma kwemhando idzi dzemabasa kune mutoro kune vateresi vanoda ruzivo rwekukurumidza kudzorera kwavo. Sezvenguva ino, hapana zviratidzo kana vakweretesi vangawana nzira itsva yekupa rudzi urwu rwebasa mumitambo yenguva inotevera.