Izvo zvinokwanisika kutenga imba muUnited States isina yemagariro chengetedzo nhamba (SSN). Izvi zvingaite kunge zvisingaite, sezvo SSN inoshandiswa kumisikidza yako nhoroondo yechikwereti (zvakakosha pakuwana mogeji). Zvisinei, vatorwa vasina SSN vanogona kushandisa Nhamba ye ( ITIN ) Kuzivikanwa Kwevateresi Mumwe nemumwe kutora kadhi akachengetedzwa kiredhiti , uye wozoshandisa kadhi kuvaka nhoroondo yakanaka yechikwereti .
Izvo zvakare zvinoita kuyedza kukodzera kwechikwereti nekuratidza kuti mabhiri anobhadharwa nenguva. Vatengesi vanodawo kuona kuti une matura makuru muaccount yeUS bank account, pamwe nenhoroondo ye basa rakadzikama . Mukupedzisira, mutengi wemba asina huwandu hwekuchengetedzeka munharaunda angatofanira kupa mari yakawanda kwazvo pakubhadhara imba, asi achiri kukwanisa kuitenga.
Pfungwa dzakakosha kuchengeta mupfungwa:
- Kana mumwe munhu asina nhamba yekuchengetedzwa kwevanhu, iyo Yega Muteresi Yekuzivisa Nhamba inogona kubatsira kutenga imba kana zvimwe zvinodiwa zvasangana.
- Kuratidza kuti iwe unogona kuwana kiredhiti kadhi uye kubhadharisa pamwedzi pamwedzi nenguva zvakakosha kuti pakupedzisira uve nemba usina nhamba yekuchengetedzwa kwevanhu.
- Kugona kubhadhara pasi makumi maviri muzana kana kudarika idanho rakakura pakuratidza mabhanga iwe aunokwanisa kubata kutenga imba.
- Zvinogona kuve nyore kupfuura iwe zvaunofunga kugara kuno muUS Pachinzvimbo chekuchengetedzwa kwenhamba, iwe uchazoda ITIN, Mumwe Nomumwe Muteresi Chitupa Nhamba.
Kana iwe uine ITIN uye ukasangana nezvinodiwa zvakanyorwa pazasi, unogona kunge uri munzira yekuenda kunowana yako imba chikwereti chakatenderwa pasina SSN.
Iva nechikwereti chidiki
Ini ndinogona kutenga imba isina yemagariro chengetedzo? Chinhu chakanyanya kukosha ndechekuti iwe unozoda nhoroondo yechikwereti . Izvi zvinoratidza vanokweretesa mashandisiro aunoita yako mari. Pasina nhamba yekuchengetedzwa kwevanhu, izvi zvingaite senge zvisingaite. Nekudaro, kune nzira dzakatenderedza. Kazhinji, vatorwa vane ITIN vanogona kuwana kadhi rechikwereti rakachengetedzwa .
Rudzi urwu rwekadhi rechikwereti rine kuchengetedzeka dhipoziti iyo yakaiswa mukati maro. Iyo yekuchengetedza dhipoziti yakaenzana neyako kiredhiti mutsara. Ngatiti iwe unoisa mu $ 500, ipapo une $ 500 mutsara wechikwereti. Kana iwe ukasasangana nechikwereti, kambani yemakadhi echikwereti inoshandisa iyo mari kubva kune dhipoziti kubhadhara account yako.
Paunenge iwe watomisa nhoroondo nekadhi rechikwereti rakachengetedzwa kwemwedzi mitanhatu kusvika gumi nemiviri , unogona kunyorera imwe kana maviri akajairwa makadhi echikwereti. Kadhi rechikwereti risina kuchengetedzwa harina chekuchengetedza. Iwe unopihwa mutsetse wechikwereti iwe waunogona kushandisa. Ipapo iwe unofanirwa kuita zvirinani zvirinani zvishoma pamwedzi kubhadhara panguva. Ehezve, zvinoshanda zvakanyanya kana iwe uchibhadhara zvakanyanya kupfuura iyo yepasi mubhadharo, kunyangwe kubhadhara bhiri izere. Kugara uchishandisa kiredhiti kadhi rako kuchakubatsira iwe kuvaka chikwereti.
Dzimwe sarudzo dzechikwereti dziripo
Pamusoro pekuchengetedzwa uye kusachengetedzwa makadhi echikwereti, unogona kuratidza imwe nhoroondo yechikwereti. Chero ipi bhiri yaunobhadhara nguva dzose uye yausina kuzivisa kumahofisi echikwereti inogona kuverenga seimwe chikwereti.
Dzinowanzozivikanwa dzimwe nzira dzechikwereti nderendi, muripo, uye inishuwarenzi kubhadhara. Kana iwe uchibhadhara zvishandiso zvako kana chero imwe bhiri nguva dzose mwedzi wega, ivo vanogona kuverenga zvakare. Kuti mukweretesi agadzire nhoroondo yechikwereti neaya maakaundi, ivo vachazoda humbowo hwekubhadhara kwako panguva.
Unogona kuratidza vanokweretesa macheki ako akakanzurwa ekubhadhara mwedzi wega wega, pamwe nezvitatimendi zvako zvebhangi zvinoratidza kubvisa mari. Izvo zvinobatsira zvakanyanya kana iwe uine humbowo kubva kune iye mupi kuti iwe unobhadhara ako mabhiri panguva. Muridzi wemba anogona kuzadza fomu reRent Verification uye kambani yako yeinishuwarenzi, kambani yekushandisa kana chikoro chinogona kunyora tsamba inoratidza kuti unobhadhara here kana kwete mairi zvikwereti nenguva. Kazhinji, nhoroondo yemwedzi gumi nemaviri kusvika gumi nemana inokwana.
Ita mari huru yekubhadhara
Vakweretesi vanoda kuona kuti iwe une yako wega mari yawakaisa mumba. Iwe haugone kuwana iyo 3% pasi zvirongwa zvekubhadhara zvinokweretwa nenhamba yekuchengetedzwa kwenhamba. Kazhinji, iwe unozoda kanokwana makumi maviri muzana pasi kubhadharwa, asi iyo yakanyanya yakaderera muripo inowedzera mikana yako yekutenderwa.
Iwe unozofanirwa kukwanisa kuongorora kuti yako mari yakatanga kupi kubhadhara pasi. Izvi zvinoreva kuti iwe uchafanirwa kuratidza kanenge mwedzi miviri yekupedzisira yemabhangi. Nekudaro, vamwe vanokweretesa vangangoda kusvika kumwedzi gumi nemiviri yemasitatimendi emubhengi kuti uve nechokwadi chekuti mari yaunoshandisa kubhadhara pasi haisi chikwereti uye ndeyako wega mari yawakachengetera kubhadhara pasi.
Iva nekuchengetedza
Vazhinji vakweretesi vanodawo kuti iwe uve nezvakachengetedzwa paruoko. Iyi ndiyo mari yauinayo muUS account account iyo inogona kuvhara mutengo weiyo mogeji. Zvakafanana nehomwe ye emergency kana ukawana mari yako ukatadza kubhadhara mogeji.
Vakweretesi vanoyera ako akachengeterwa zvichienderana nenhamba yemari yekubhadhara mari yavanobhadhara. Kana yako yekubhadhara chikwereti iri $ 2 000 uye uine $ 20,000 yakachengetedzwa, une mwedzi gumi yekuchengetedza. Kuwedzera kwenyaya yemubhadharo waunogona kufukidza nezvako zvekuchengetedza, zvirinani mukana wako wekutora yako mogeji yakatenderwa.
Iva nehunhu hwakanaka hwebasa
Chekupedzisira, vakweretesi vanoda kuziva kuti iwe une basa rakatsiga. Zvichida ndicho chikonzero iwe chaunoda kugara muUnited States, asi iwe unofanirwa kuzviratidza. Pasina basa rakatsiga, vanokweretesa vanokwanisa kukuona sengozi huru yekukanganisa. Kana ino isiri yako nyika yekumba uye ukapinda mumatambudziko ezvemari, zvinogona kuve nyore kufamba uchibva pamba.
Nebasa rakadzikama, une chikonzero chekugara pano. Izvo zvakare zvinoratidza vanokweretesa kuti iwe une yakavimbika mari kuti ikubatsire iwe kuita yako mogeji kubhadhara. Kazhinji, nhoroondo-yemakore maviri neyeiye mushandirwi yakakosha pamvumo yemba yako yemba.
Kuwedzera kune yako nhoroondo yebasa, zvakadaro, iwe unozofanirwa kuratidza kuti une ramangwana pane uyu mushandirwi. Mune mamwe mazwi, wako waakakweretesa anofanira kukwanisa kutaura kupfuura kusahadzika kunonzwisisika kuti iwe uchazoshandirwa panzvimbo imwecheteyo kune rinotarisirwa ramangwana. Kana iwe uine kontrakiti iri kupera munguva pfupi, semuenzaniso, izvo hazvisi humbowo hwebasa rakagadzikana.
Iwe unogona kuwana mogeji isina yekuchengetedzeka nhamba chero bedzi iwe uine izvo zvinokodzera zvinhu. Kutsvaga mukweretesi kunogona kuve kwakaomarara kupfuura kana iwe uinewo yekuchengetedzeka nhamba, asi kune vakweretesi. Ramba uchitarisa kusvikira iwe wawana mukweretesi uyo anotambira yako ITIN uye anokupa iwe yakanaka mareti uye mazwi pachikwereti.
Vanogona here vanhu vane nhamba dzeITIN kutenga dzimba muUS?
Ehe. Kunyangwe zvaunogona kunge wakanzwa, vanhu vasina nhamba yekuchengetedzwa kwevanhu vanogona kuve varidzi vedzimba. Ivo vanongofanirwa kushandisa yavo ITIN (Yemunhu Muteresi Yekuzivisa Nhamba) kunyorera imba. Iyi nhamba inoratidza kuti nepo iwe usina huwandu hwekuchengetedzwa kwevanhu, iwe uchiri kuzadzisa basa rako pachikamu chenyika kubhadhara mutero.
Sezvo izvi zvatove kukuisa muchikamu chevanhu vane mutoro vane hukama hwakajeka kuUnited States, unogona kuwana nyore nyore chikwereti chemogeji chakatenderwa nemukweretesi. Dambudziko rega apa nderekuti iwe ungatofanira kusiya echinyakare mabhangi uye utsvage vega vakweretesi.
Mabhangi echinyakare anozeza kukubhadhara iwe, kunyanya sezvo ari akaomarara kana zvasvika kumagwaro. Nekudaro, iwe kana iwe ukaenda kune wakazvimiririra mukweretesi wechikwereti chako pachako, iwe unogona kuwana iyo inonyanya kuregerera maererano nemitemo nemamiriro.
3 zvikonzero nei vanhu vane nhamba dzeITIN vachifanira kutenga dzimba
Kuva muridzi wemba itsika yekupfuura kwevanhu vazhinji, uye icho chinhu icho isu tese chatinorota nezvacho. Ehe, kuroja kunogona kuve nyore, kunyanya kana iwe usina mari. Nekudaro, pane zvikonzero zvinoverengeka nei ungade kuve muridzi wemba.
Iko mari yakanaka
Kusiyana nedzimotokari kana zvimwe zvekutenga zvinowanzo kurasikirwa nemutengo nekufamba kwenguva, kukosha kweimba kunongowedzera uye kunokoshesa nekufamba kwenguva. Ehezve, musika wega wega unenge uine maiyano awo, asi tichifunga kuti mitengo yemba inokwira gore rega, kunyangwe munguva dzeupfumi, zvirokwazvo imari yakanaka.
Kubatsira kwemari
Hurumende yemubatanidzwa inofarira kwazvo kukurudzira muridzi wemba, sezvo ichikurudzirawo kukura kwehupfumi. Nekuda kweizvozvo, inopa mutero zvinokurudzira kune varidzi vedzimba; Icho chakanyanya kukosha isarudzo yekubvisa mubereko kubva kune yako regeji kubhadhara pane yako yemutero kudzoka. Izvi zvinonyanya kuitika pakutanga kwekutenga chikwereti, uko kwakawanda kubhadhara kunoitwa pachimbadzo.
Dzikamisa dzimba dzako mari
Paunoroja, hapana vimbiso yekuti rent yacho inoramba yakangofanana nekufamba kwenguva. Unogona kuroja nzvimbo izvozvi, uye mune angangoita makore matatu, muridzi wemba anokuudza kuti mutengo wekubhadhara wakakwira - utore kana uusiye. Iwe hauna zano rekuti iwe uchafanirwa kubhadhara zvakadii mune ramangwana.
Nekudaro, nekuve muridzi wemba, imba ichave yako, uye zvese zvauchazofanira kuita kubhadhara iyo mogeji pane yaunoda. Ehezve, iwe uchafanirwa kubhadhara angangoita makumi matatu emakore echikwereti icho, asi zvirinani iwe unoziva kuti hapana munhu anokurasa iwe uye kuti mitengo yacho haizongoerekana yakwira.
Maitiro ekutenga imba ine iyo ITIN nhamba
Saka unotenga sei imba isina yekuchengetedzwa kwenhamba uye yako chete ITIN nhamba? Zvakanaka, maitiro acho anofanirwa kuve akananga. Heino nhanho-nhanho maitiro ekuti uzviite:
Nyorera iyo ITIN nhamba
Kana iwe usati uine iyo ITIN nhamba, chinhu chekutanga kuita kuishandira. Enda kune IRS webhusaiti uye zadza kunyorera kwavakaita kuti uwanikwe kwauri ipapo.
Gadzira nhoroondo yechikwereti
Kuti iwe uwane chikwereti, iwe unozofanira zvakare kutora imwe nhoroondo yechikwereti uchishandisa iyo ITIN nhamba yawakapihwa. Tanga zvishoma. Nyorera kadhi rechikwereti, a chikwereti chemotokari kana chero imwe sarudzo yechikwereti. Iishandise nguva nenguva kugadzira hukama chaihwo nebhangi. Havasi vese vanokweretesa vanoshandisa yako kiredhiti nhoroondo kuona kuti kana kwete kuwana chikwereti, asi zvinobatsira.
Gadzira rekodhi yekubhadhara rendi
Havasi vanhu vazhinji vanoziva izvi, asi vazhinji vanokweretesa vanotarisa kune ako marenda ekubhadhara marekodhi vasati vakupa iyo mogeji. Zvinomira kune chikonzero: kana iwe uchigona kubhadhara yako rent kweanenge makore maviri akateedzana, mikana iwe unozogashirawo mogeji.
Vaka nhoroondo yakakodzera yebasa
Kana mukweretesi akaona kuti iwe unowanzodzingwa pabasa kamwe chete pamwedzi mishoma, vanogona kunge vasingade kukupa iwe mogeji zvichibva nenhamba yako yeITIN. Nekudaro, kana vakakuona wakadzikama uye uchizobhadhara mabhiri ako, saka pane mukana wakakura wekuti iwe uchawana chikwereti chaicho.
Tsvaga vanopa mari
Zvese zvinoita sezvakanaka uye zvakapusa, asi kuchine dambudziko rekutsvaga mukweretesi uyo anopa zvikwereti zvichibva panhamba dzeITIN. Ita ongororo. Fonera bhangi rako remuno, kana chero imwe sarudzo yaungawana. Unogona kunge uine stellar kiredhiti nhoroondo, asi kana ukasakwanisa kuwana mukweretesi, ipapo zvese zvichave pasina.
Wana pre-vanotenderwa
Paunenge iwe wawana mukweretesi, chinotevera chinhu chauchazoda kuti uite tanga wabvumidzwa ye chikwereti chako pachako izvo zvinogona kuvhara yako mogeji. Ipa iwo anodikanwa magwaro uye kana iwe uchinge watotarisirwa-usati waenderera mberi kunotevera uye yekupedzisira nhanho.
Tarisa imba
Iwe une pre-tendero, saka panguva ino, zvese zvaunofanirwa kuita kutsvaga imba yaunoda. Iye zvino zvawakatobvumirwa-kare kubhadhara chikwereti, iwe unonyatsoziva kuti ndeupi mutengo bracket iwe waunogona kuenda. Paunenge uchinge waiwana, tora chikwereti uye utenge imba yako yekurota.
ITIN zvikwereti zvemusha
Kutsvaga mumwe munhu kuti akupe iwe chikwereti zvichibva pane yako ITIN nhamba? Takadzora dzimwe sarudzo:
Zvinotarisirwa
Izvo zvinodiwa zvinoenderana neanokweretesa. Semuenzaniso, vamwe vangakukumbire kuti uunze humbowo hwevanovimba pamwe nezvinyorwa zvakajairwa uye uwane ITIN zvichibva pane yako W-7 fomu. Iwe zvakare uchakumbirwa kuti upe mamwe magwaro akapihwa neiyo IRS.
FNBA
Nekuda iyo kutanga kubhadhara hushoma hwe gumi neshanu% Uye nemari yechikwereti yemakore gumi nemashanu kusvika makumi matatu, FNBA ndiyo yakanaka sarudzo kana iwe uchitsvaga chikwereti cheITIN. Uyezve, iwe unowana kuswedera padyo uye wotambira mazhinji epfuma mhando futi.
United mutero
Iine shoma shoma kubhadhara kwe10%, iyi kambani inopa ITIN zvikwereti kubva pa5.375% kusvika 8.750%. Nekudaro, zvese zvinoenderana nekukosha kwechikwereti, saka taura nemukweretesi.
Prime 1 Bancorp
Paunenge usina chokwadi, varidzi vedzimba vakawanda vanoenda Prime 1. Unogona kukumbira 20% kubhadharisa pasi, asi zvakare ine mitengo yakanaka.
ACC Mogeji
Nekuda 15% kubhadharwa pasi, uyu akakwana kune vekunze vasingakwanise kupa humbowo chaihwo hwemari. Ehe, iwe unogona kukumbirwa humbowo maererano neyako kiredhiti nhoroondo, asi zvese zvinodiwa zvinoenderana nemunhu wega wega.
Enda kuAlterra
Uine hushoma 15% pasi kubhadhara, iwe unowana 30-gore rakatemwa chiyero, pamwe nemitero inodzosera kwegore rimwe. Iyi sarudzo iri nyore kwazvo kune avo vanoda kutenga imba vasina nhamba yekuchengetedza vanhu.
Mashandisiro aungaite chikwereti chako chemubhadharo wepasi pamba
Kuwana chikwereti chako neStilt kunofanirwa kuve nyore kuita, sezvo paine matanho matatu chete anobatanidzwa:
- Nyorera chikwereti: ipa zvinyorwa zvinodiwa kuti uwane pre-mvumo. Kana zvikaitika kuti mamwe magwaro anodikanwa, uchabatika.
- Gamuchira kupihwa: a Kamwe kana zvinyorwa zvako zvadzokororwa, iwe uchagamuchira chikwereti chinopihwa. Iwe unozoshandisa iyo huwandu kutsvaga dzimba mukati mebhajeti.
- Kutanga kubhadharisa: Zvino zvawakapedzisa chikwereti uye watenga imba, yave nguva yekubhadhara pamwedzi panguva dzakatarwa.
mhedziso
Kunyangwe iwe usina nhamba yekuchengetedzwa kwevanhu, izvi hazvireve kuti haugone kuve muridzi wemba. Zvese zvaunoda inhamba yako yeITIN, yakanaka kiredhiti mamaki, uye chishuwo chekubhadhara kwako nenguva. Chero bedzi iwe ukaita yako tsvagiridzo zvakanaka, panofanirwa kuve pasina dambudziko kuwana mukweretesi anozobvumidza yako chikwereti.
Zviri Mukati
- Iva nechikwereti chidiki
- Dzimwe sarudzo dzechikwereti dziripo
- Ita mari huru yekubhadhara
- Iva nekuchengetedza
- Iva nehunhu hwakanaka hwebasa
- Vanogona here vanhu vane nhamba dzeITIN kutenga dzimba muUS?
- 3 zvikonzero nei vanhu vane nhamba dzeITIN vachifanira kutenga dzimba
- Iko mari yakanaka
- Kubatsira kwemari
- Dzikamisa dzimba dzako mari
- Maitiro ekutenga imba ine ITIN nhamba
- Nyorera iyo ITIN nhamba
- Gadzira nhoroondo yechikwereti
- Gadzira rekodhi yekubhadhara rendi
- Vaka nhoroondo yakakodzera yebasa
- Tsvaga vanopa mari
- Wana pre-vanotenderwa
- Tarisa imba
- ITIN zvikwereti zvemusha
- Zvinotarisirwa
- FNBA
- United mutero
- Prime 1 Bancorp
- ACC Mogeji
- Enda kuAlterra
- Mashandisiro aungaite chikwereti chako chemubhadharo wepasi pamba
- mhedziso