El Isheke Lokukhululeka Kwentela Sekungenye yezinyathelo zenqubomgomo yentela eziphambili zonyaka wentela ka-2025, okuthembisa impumuzo ezinkulungwaneni zabakhokhi bentela abahola kancane nabaphakathi. Nakuba umklamo oyisisekelo wesikhuthazo uchaziwe, ukusetshenziswa kwawo okusebenzayo kusalokhu kuxhunywe ochungechungeni lwezinyathelo zokuphatha kanye nokuvunyelwa kokugcina okuvela kuziphathimandla zentela.
Uhlelo, olugqugquzelwa ngabakwa Umbusi uJenniffer González ColónLesi sinyathelo sihlose ukubuyisela kubakhokhi bentela ingxenye enkulu yokonga obekungadalwa ukuguqulwa kwentela okubanzi. Kodwa-ke, ukukhokhwa kwangempela kwesheke kusaxhomeke ekuqedweni kwesizini yokufaka intela kanye nokuvunyelwa yiBhodi Lokubheka Izimali ngomthelela lolu sizo oluzoba nawo ezimalini zomphakathi.
Iyini i-Tax Relief Check futhi yenzelwe bani?
Isheke Lokukhululwa Kwentela liyi- isikhuthazo sezomnotho esingaphindaphindi kuxhunywe nonyaka wentela ka-2025. Akuyona uhlelo oluhlala njalo, kodwa inkokhelo yesikhathi esisodwa ebalwa ngokusekelwe kumingcele yokuguqulwa kwentela iSigungu Esiphezulu esasifuna ukuyisebenzisa futhi, ngenxa yokubambezeleka komthetho, engazange iqale ukusebenza ngokugcwele.
Lesi silinganiso sihloselwe ikakhulukazi abantu abane- imali engenayo engenayo ekhokhiswa intela elingana noma engaphansi kuka-$150,000kanye nemindeni enezingane noma abantu abangaphansi kweminyaka eyi-18 ubudala. Inhloso iwukukhokhela ingxenye yalokho abakhokhi bentela ababengayeka ukukukhokha ukube ukwehliswa kwentela kwakusetshenziswa ngqo ekubanjweni kwabo kanye nokukhokhelwa kweholo.
Njengoba kuvunyiwe, isheke lihlelwe njenge- inkokhelo ehlukile ekubuyiselweni kwemali okuvamile yeFomu lika-2025. Okusho ukuthi, noma ngubani onelungelo lokubuyiselwa imali uzoyithola ngakolunye uhlangothi, kanti i-Relief Check - uma ihlangabezana nemibandela - izofika ngodaba oluhlukile, ngaphandle kokuthi umkhokhi wentela ayicele ngokusebenzisa amafomu engeziwe.
Isisekelo sezimali salolu hlelo sivela ukonga kwesabelomali okuqongelelweLezi zimali, ezilinganiselwa ku-$800 million ngaphansi kohulumeni wangaphambilini, ekuqaleni zazibekelwe cishe u-$554 million ukuze kuxhaswe lolu sizo. Kodwa-ke, inani lokugcina lingase lixoxiswane neBhodi Lokwengamela Izimali, elingalungisa inani elitholakalayo.
Izidingo zokukwazi ukufinyelela isheke
Ukuze afanelekele isheke lokukhululwa enteleni, umkhokhi wentela kumele ahlangabezane nochungechunge lwemibandela. Eyinhloko ukuba bafake ifomu lokubuyisa intela lika-2025 ngaphakathi komnqamulajuqu osemthethweni, okusho ukuhambisa isimemezelo ngaphambi noma ngosuku lomnqamulajuqu womjikelezo wentela, obekelwe umhla ziyi-15 kuMbasa.
Esinye isidingo esibalulekile ukuthi umhlali wasePuerto Rico unyaka wonke wekhalenda ka-2025Lesi sinyathelo senzelwe ngqo labo abagcina indawo yabo yokuhlala yentela endaweni phakathi nesikhathi sentela, ukuze labo abathutha noma abashintsha indawo yokuhlala phakathi nonyaka bangakhishwa.
Ngokuphathelene nemali engenayo, kuyadingeka ukuthi imali engenayo engenayo incike emnikelweni kungaba yi-$150,000 noma ngaphansi. Ngaphezu kwaleyo mali, umkhokhi wentela ngeke afanelekele usizo. Lo mkhawulo uhlose ukugxila inzuzo kubasebenzi kanye nemindeni engenayo ephansi nephakathi nendawo, kanye nochwepheshe, abadlula amazinga athile, abangafinyeleli kubakaki beholo eliphezulu kakhulu.
Ngaphezu kwalokho, akufanele ngabe bakhethe Umnikelo okhethwayo futhi ungabi ngaphansi komnikelo oyisisekelo ohlukileLabo abakhokha intela ngalezi zindlela ezikhethekile banemithetho ehlukene yokubala, ngakho-ke, abafakiwe ohlelweni olusungulwe lwesheke.
Ngesikhathi esifanayo, imithethonqubo ihlinzeka nge- ukuncishiswa okukhethekile kwabaxhomeke kubo $2,500 kumntwana ngamunye noma oxhomeke kuye oneminyaka engaphansi kwengu-18 ubudala kusukela ngoDisemba 31, 2025. Isiphakamiso se-Executive size saphakamisa ukuthi leso saphulelo sikhuphuke siye ku-$5,000, okuzokwandisa impumuzo ephumelelayo yemindeni enezingane ezinakekelwa yiyo.
Indlela iminikelo kanye nosizo olubalwa ngayo
Umklamo wohlelo lwentela lonyaka ka-2025 usungula okuhlukile izinkomba zemali engenayo kanye namazinga entela, lapho kubalwa khona kokubili umnikelo okufanele ukhokhwe kanye nomzamo wentela ongaba khona isheke elihlose ukuwunciphisa.
Ngokusho kwamapharamitha amanje, uma imali engenayo engenayo ayidluli u-$12,500Izinga lentela yengeniso lingu-0%. Ngamanye amazwi, kulesi sigaba sokuqala, akukho sibopho sokukhokha ngqo, yize umuntu kusamele afake ifomu lakhe lentela uma ehlangabezana nezinye izindinganiso zomthetho.
Ngemali engenayo ngaphezu kuka-$12,500 kuya ku-$25,000Umnikelo ubekwe ku-6% wenani elidlula u-$12,500. Empeleni, ingxenye edlula lowo mkhawulo kuphela ekhokhiswa intela, okwenza kube lula kulabo abasesigabeni samaholo aphansi noma aphakathi nendawo.
Esigabeni esilandelayo, kusukela ngaphezu kuka-$25,000 kuya ku-$50,000Ifomula ibe isiba inani elinqunyiwe elingu-$750 kanye no-12% wenani elingaphezulu kuka-$25,000. Nakuba iphesenti likhuphuka, isakhiwo sigcina ingxenye enqunyiwe esebenza njengereferensi yokubala okuphelele.
Ngemali engenayo phakathi kuka-$50,000 no-$100,000Umnikelo ubalwa njengo-$3,750 kanye no-24% wenani elingaphezulu kuka-$50,000. Leli qembu lisho ukwenyuka okukhulu kwengcindezi yentela, okuvamile emazingeni emali engenayo ephakathi kuya phezulu, kodwa kusangena ngaphakathi kwabangaba abazuzi besheke.
Ekugcineni, ebangeni le- ngaphezu kuka-$100,000 kanye no-$150,000Umnikelo ufinyelela ku-$15,750 kanye no-29% wenani elingaphezulu kuka-$100,000. Ngisho noma benemali engenayo ephezulu, laba bakhokhi bentela basengakwazi ukuthola impumuzo uma nje bengadluli umkhawulo ka-$150,000 futhi behlangabezana nezinye izidingo.
Lezi zibalo zibe sezisetshenziswa ku- ukuncishiswa kwabantu abathembele kubo kanye nokunye ukuncishiswaokulungisa umthwalo wokugcina wentela. Isheke Lokukhululwa Kwentela liphefumulelwe ukunciphisa intela okwaphakanyiswa ngumbusi ekuguqulweni kwakhe kwentela: inani elizobuyiselwa lizonqunywa ngokusekelwe kulokho umkhokhi wentela ngamunye abengakusindisa ukube lokho kunciphisa kwakusebenza ngendlela evamile.
Ukufakwa kwamafomu entela, izinsuku zokugcina kanye nezinsuku ezibalulekile
Ikhalenda lezimali libeka ukuqala komjikelezo wentela Cishe umhla ziyi-9 kuNhlolanja kanye nesikhathi sokugcina sokufaka ifomu lokubuyisa intela lika-2025 ngomhla ziyi-15 kuMbasa. Phakathi naleso sikhathi, abakhokhi bentela bangafaka ifomu lokubuyisa intela yabo, bafanelekele ukubuyiselwa imali, futhi, uma kusebenza, bakhiqize ilungelo elingase libe khona lokuthola isheke.
Iziphathimandla zentela zigcizelele ukuthi izinga lokucubungula amafomu Kusebenza kahle kakhulu. UMnyango Wezezimali ubike ukuthi uthole amafomu entela angaphezu kuka-276,000 emasontweni ambalwa okuqala esikhathi sokufaka isicelo, okuye kwavumela ukukhokhwa kwemali ebalulekile ekubuyiselweni kwemali njalo.
Emasontweni amabili alandelanayo, uMgcinimafa ubezobe esabalalise yonke indawo Imali ebuyiswayo engu-$392 million (cishe amaRandi ayizigidi ezingama-242 ngesonto elilodwa kanye namaRandi ayizigidi ezingama-150 ngesonto elilandelayo), kanye nezikhathi zokuphendula, ngokusho kweGatsha Eliphezulu, eziphakathi kwezinsuku ezintathu nezinhlanu ngemuva kokufakwa kwefomu lentela. Lezi zibalo, ezichazwe njengeziyingqophamlando nguHulumeni, azikahlanganisi izinkokhelo zesikhathi esizayo ezivela ku-Tax Relief Check.
Ngokusho kwezincazelo ezisemthethweni, Ukuhlolwa kosizo kuzoqala ukukhishwa emavikini amane kuya kwamahlanu ngemva kokuphela komjikelezo wentela ngo-Ephreli 15. Empeleni, lokhu kubeka ukuqala kokukhokha phakathi kwaphakathi noMeyi, uma nje kungekho ukubambezeleka okwengeziwe futhi lesi sinyathelo sithola imvume yokugcina evela kugunya lentela.
Imithombo yegatsha eliphezulu iphinde yaphakamisa ububanzi obuphakathi emavikini amane nayisithupha ngemuva kokuvalwa komkhankaso njengesikhathi sokukhokha okungenzeka. Nakuba kucatshangelwa isibonelo sika-2024, lapho izinkokhelo zokuqala zesikhuthazo ezifanayo ziqala ukubonakala maphakathi noMeyi, iziphathimandla zigcizelela ukuthi alukakabi khona usuku olusemthethweni lwenkampani.
Indima yeBhodi Lokwengamela Izimali kanye nokwelulwa kwazo
Esinye sezici ezibeka imibandela eminingi ekuqalisweni kokusebenza kwe-Tax Relief Check yi- ukulawulwa kwezimali okusetshenziswa yiBhodi Lokuqapha Izimali (i-FOB)Njengoba yadalwa ngaphansi komthetho we-PROMESA kahulumeni, le nhlangano inamandla okwamukela noma ukwenqaba izinyathelo ezingathinta kakhulu isabelomali sikahulumeni.
Umthetho ovumela isheke wawungu- kusayinwe ngomhlaka-3 kuNhlolanja Uhulumeni wavuma lesi sinyathelo, kodwa ukusetshenziswa kwaso kuncike ekuqinisekisweni kwezimali okudingwa yi-PROMESA. Uhulumeni wayenezinsuku eziyisikhombisa zokuthumela isitifiketi esichaza umthelela wezomnotho walesi sinyathelo ezimalini zomphakathi, okuyisinyathelo esibalulekile kwiBhodi Eliqondisayo sokuhlola lesi siphakamiso.
Ngaphambi kwe ubunzima bedatha kanye nokubalaIgatsha Eliphethe licele ukwelulwa kwesikhathi sokuqala ukuze kuthunyelwe isitifiketi. Isikhathi esinqunyiwe esisha sokuthumela amadokhumenti sabekwa cishe ngomhlaka-20 kuNhlolanja, kodwa uhulumeni waphinde wacela isikhathi esengeziwe njengoba wayengakaqedi ukubuyekezwa kwangaphakathi.
Ephendula, umqondisi omkhulu we-JSF, URobert Mujica Jr.Uthumele incwadi evumela ukwelulwa kwesibili, kulokhu kuze kube nguFebhuwari 27. Ukuxhumana kuzwakalise ukubonga ngemininingwane enikezwe yi-Fiscal Agency kanye ne-Financial Advisory Authority, futhi kugcizelele ingxoxo eqhubekayo phakathi kwamaqembu womabili ukuhlola umthelela wesinyathelo esimweni samanje sezezimali se-Commonwealth yasePuerto Rico.
Nakuba lezi zandiso Abashintshi uhlelo lokufaka amafomu okubuyiselwa kwentelaKodwa-ke, ukugunyazwa kokugcina kwesikhuthazo kusalokhu kungaqinisekile. IBhodi lingaluvuma uhlelo njengoba luphakanyisiwe, lifake izinguquko emananini noma emikhawulweni, noma liluvimbele uma liphetha ngokuthi umthelela walo wezezimali awuhambisani nezinhlelo zokulungisa.
Izimali, imithombo yokuxhaswa kanye nokulungiswa okungenzeka
Isiphakamiso sokuqala sikaHulumeni sicabanga ukusebenzisa ingxenye imali eqoqwe eminyakeni edlule ukuxhasa isheke lokukhululwa kwentela. Ngokukhethekile, cishe amaRandi ayizigidi ezingu-813,7 akhiqizwe ngesikhathi sokuphatha kwangaphambilini kukhulunywa ngawo, lapho cishe amaRandi ayizigidi ezingu-554 ayezogcinelwa lesi sikhuthazo.
Kodwa-ke, kuvele ukuthi iBhodi Lokuqapha Izimali linikeze isiqinisekiso sokuqala sokusebenzisa inani eliphansi kuya enanini elihlongozwe ngumbusi ekuqaleni. Isibalo esithile asikadalulwa emphakathini, njengoba izingxoxo ziqhubeka futhi zingase ziholele ekulungisweni kwenani eliphelele losizo.
Ukubalwa komuntu ngamunye kwalokho umkhokhi wentela ngamunye azokuthola kuzosuselwa ku- ukwehliswa kwentela okufakiwe ekuguqulweni okuyinto engakaze isetshenziswe ngokugcwele. Ngamanye amazwi, bekuzokwenziwa isilinganiso sokuthi umuntu ngamunye ubengalondoloza malini ukube ukwehliswa kwamanani kanye nama-bracket kwakwamukelwa, futhi lelo nani lizosebenza njengesisekelo sokunquma inani lesheke.
Ngaphezu kwesakhiwo sokungena esisezingeni eliphezulu, abaphathi baphakamise isiphakamiso ukwanda kwesaphulelo kubantwana abancaneInzuzo izokwenyuka kusukela ku-$2,500 kuya ku-$5,000 ngomuntu ngamunye ongaphansi kweminyaka engu-18. Lokhu kwenyuka kuzoba wusizo kakhulu emindenini enezingane eziningi, kubanikeze impumuzo enkulu uma kuqhathaniswa naleyo engenabo abantu abathembele kuyo.
Okwamanje, uHulumeni uhlola ukuthi ngabe ukubeka phambili amaqembu athile —njengezisebenzi ezinemali engenayo ephansi noma imindeni enomzali oyedwa— uma inani lokugcina elivunyiwe lingahlanganisi umklamo wohlelo oluphelele. Nokho, lezi zinqumo zizoncika kulokho okuvunyelwene ngakho neBhodi Lokwengamela Nokuphatha Ngezezimali kanye nokutholakala kwesabelomali sangempela.
Isheke Lokukhululwa Kwentela Lizokhokhwa Kanjani Futhi Nini?
Indlela yokukhokha ehleliwe ihlose ukusebenzisa ingqalasizinda esivele isetshenziselwa ukubuyisela imali yeMbuyiselo Yentela ka-2025. Kwabaningi abakhokhi bentela, i-Relief Check izokhokhwa ngediphozithi eqondile ku-akhawunti efanayo yasebhange ekhonjisiwe ukuze kubuyiswe imbuyiselo yentela yalowo nyaka.
Ezimweni lapho umkhokhi wentela Ungayifaki imali yakho yokubuyiselwa imaliUMnyango Wezezimali uzovumela isixhumanisi esithile ku-Unified Internal Revenue System (SURI). Ngale portal, abantu bazokwazi ukunikeza ulwazi lwe-akhawunti yabo yasebhange ukuze bathole inkokhelo ngesheke ngokudluliselwa kwemali nge-wire.
Uma othile eqinisekisa lokho akanayo i-akhawunti esikhungweni sezezimaliIziphathimandla zentela zizokhipha inkokhelo ngesheke eliphathekayo elithunyelwe ngeposi ekhelini lokugcina elaziwayo lomkhokhi wentela. Le ndlela ivame ukuhamba kancane, ngakho-ke kunconywa ukuthi ubuyekeze imininingwane yakho yokuxhumana neziphathimandla zentela kusenesikhathi ukuze ugweme ukubambezeleka noma ukubuyiselwa kwemali.
Isheke Lokukhululwa Kwentela lizocutshungulwa njenge- inkokhelo ngaphandle kwembuyiselo evamileEmpeleni, lokhu kusho ukuthi nakuba umkhokhi wentela ethola imbuyiselo yakhe ngokushesha, isikhuthazo singathatha amasonto ambalwa engeziwe, njengoba sidinga ukuvalwa okuphelele komjikelezo kanye nokuhlolwa kokufaneleka okuqondile.
Kubalulekile ukuqaphela ukuthi ukuhlolwa kungase kube ngaphansi kwe- isinxephezelo sezikweletu ezisaseleikakhulukazi mayelana nezibopho zentela ezidlulelwe yisikhathi noma izikweletu ze-alimony. Kulezi zimo, ingxenye noma yonke inkuthazo ingasetshenziswa ngokuzenzakalelayo ukukhokha lezi zibopho ngaphambi kokuba umkhokhi wentela abone imali efakwe ku-akhawunti yakhe.
Umthelela kubasebenzi kanye nemindeni enezingane ezincane
Elinye lamaqembu adonsele ukunaka okukhulu mayelana ne-Tax Relief Check yilelo abasebenzi abanezingane ezingaphansi kweminyaka eyi-18 ubudalaKule mindeni, ukuhlanganiswa kokwehliswa kwentela kanye nokwenyuka kokuncishiswa kwemali kubantu abathembele kuyo kunganikeza usizo olukhulu esimweni sokukhuphuka kwezindleko zokuphila.
Umklamo wezikhuthazo ufuna ukuzuzisa labo abenze lokho bathola amaholo angaphansi kuka-$150,000 ngonyaka futhi babe nomuntu oyedwa noma ngaphezulu abaxhomeke kuye, ukuze inani elibuyiselwe libonise kokubili umzamo wentela owenziwe kanye nomthwalo owengeziwe wokondla izingane ezixhomeke kuye.
Kodwa-ke, ekupheleni kwenyanga kusaqhubeka ukungaqiniseki mayelana nobubanzi bokugcina bokukhululekaLokhu kungenxa yokuthi iBhodi Yokwengamela Nokuphatha Ezezimali (i-FOMB) idinga ukuqinisekisa ukusetshenziswa okuhlongozwayo kwale mali. Kuze kube yilapho kukhona imvume ecacile, abakhokhi bentela abaningi abasazi kahle ukuthi bangathola malini noma nini.
Uhulumeni, ngakolunye uhlangothi, ugcizelela ukuthi inhloso iwukuthi imali ifika emavikini ambalwa ngemuva kokuphela komjikelezo wentela, bezama ukuphinda iphethini yeminyaka edlule lapho kwaqala khona ukukhokhwa izikhuthazo zentela kusukela engxenyeni yesibili kaMeyi.
Okwamanje, iziphathimandla zincoma ukuthi labo abanentshisekelo ukulandela ngokucophelela ukufakwa kweFomu 2025Hlola isimo sakho sokuhlala futhi uqinisekise ukuthi imininingwane encike kuwe kanye nolwazi lwe-akhawunti yasebhange lusesikhathini ukuze kugwenywe izinkinga lapho kukhishwa izinkokhelo.
Ngakho-ke i-Tax Relief Check ivela njengengxenye ebalulekile yephakheji yokunciphisa intela yalo mjikelezo, yize ukusetshenziswa kwayo kokugcina kusalokhu kuncike ekuhlolweni kweBhodi Lokubheka Izimali kanye nekhono likahulumeni lokulinganisela isabelomali ngaphandle kokuphazamisa uhlelo lwezimali. Uma lezi zithiyo zinqotshwa, abakhokhi bentela abaningi abafanelekile bangabona lokhu kuthuthuka komnotho ezinyangeni ezilandela ukuvalwa kwesizini yentela.
