Education for Justice FACT SHEET T-3 (Somali) 2009
DAYNTA
LACAG CELINTA CANSHUURTA
HA
ISKA SIININ LACAG CELINTAADA
TAX REFUND LOANS - DON'T GIVE AWAY
YOUR REFUND
Qaar ka mid ah xisaabiyeyaasha canshuurta waxay bixiyaan hab aad si dhaqsi ah ugu qaadatid lacag celinta canshuurta. Kuwaan waxaa la yiraahdaa Lacag Celinta Degdegga (Rapid Refunds) ama Horumarinta Daynta Lacag Celinta [Refund Anticipation Loans (RALs)]. Waxay balan qaadaan in ay lacagtaada kuugu soo helaan maalmo yar gudahooda oo keliya. Ka hor inta aadan helin Alacagta caddaanka degdegga@, halkaan waxaa ku yaalo dhowr arrimood oo loo baahan yahay in aad ogaatid:
Adiga ma u baahan tihid in aad
qaadatid dayn si laguugu sameeyo canshuurtaada.
Waxaad heli kartaa in canshuurtaada laguugu sameeyo lacag la=aan.
Daynta
Lacag Celinta waxaa la socdo kor saar badan iyo ujro! Halkaan waxaa ku yaalo 3 siyaabo lagu helo
$1500 oo dayn ah muddo labo todobaad.
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Ujrada
Daynta Lacag Celinta (RAL) |
$75.00 |
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Khidmadaha Kor Saarka Kaarka Daynta oo gaareyso 21% |
$26.25 |
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Ka-daynsiga asxaabta |
$ 0 |
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Ujrada waxay ku badan tahay lacag
celinta canshuurta badan. |
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Daynta Lacag Celinta waxay hoos u
dhigtaa lacagta laguu soo celiyo. |
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Lacag Celinta Canshuurta |
$ 1,500.00 |
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Ujrada Diyaarinta Canshuurta |
$ -100.00 |
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Ujrada
Daynta Lacag Celinta iyo Kor Saarka |
$ - 75.00 |
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Waxaad heleysaa oo keliya |
$ 1,325.00 |
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Waxaad iyaga daynta u siisay $75, iyo $100 inta ay kaa
kaalmeyeen canshuurta oo aad ku heli kartid lacag la=aan.
Lacagta laguu soo celiyo waxaad ku bixin kartaa dayn kale. Haddii aad banki ama shirkado kale ka qabtid lacag, u saxiixidda foomamka Daynta Lacag Celinta wuxuu iyaga u fasaxi karaa in ay lacagta lagu soo celiyo u isticmaalaan in ay ku bixiyaan lacagta aad qabtid.
Waxaa dhici karto in saxiixidda foomka daynta marna kuu
dhaafin lacag kuu soo noqoto!!
IRS waxay xisaabtaa (xisaab xil ma leh) qaar ka mid ah canshuur celinta sannad kasta. Haddii ay doortaan in ay xisaabaan taada, IRS waxay xanibi doontaa lacag celintaada. Shirkadda ku siisay Daynta Lacag Celinta lama siin doono lacag ilaa IRS dhameysato xisaabinta canshuurtaada. Markaas shirkadda waxay kugu dallici doontaa kor saar dheeraad ah.
SIDEE AYAAD KU QAADAN
KARTAA DHAMMAAN LACAGTA LAGUU SOO CELIYO LACAG LA=AAN AH?
Canshuur
celintaada ha laguugu diyaariyo lacag la=aan.
Meelaha Tabaruca Gargaarka Canshuurta Daqliga [Volunteer Income Tax
Assistance (VITA)] waxay ka furan yahiin dhammaan Minnesota xiliyada
canshuurta. Waxay sameeyn doonaan
canshuurtaada lacag la=aan.
Meelaha qaar waxaad ka heli karta buuxinta kombuyuterka. Si aad u heshid midka kuU dhaw wac Wadada
Wadajirka (United Way) oo laga helo 1-(800) 543-7709 ama 211, gobolka oo idil.
IRS si toos
ah ha ugu shubto koontadaada bankiga lacagta lagaaga soo celiyay
canshuurta. Lacagta laguu soo celiyo waa
in ay aado koontadaada bankiga muddo 2 todobaad haddii aad ku buuxisid
kombuyuterka ama 4 todobaad haddii aad ku soo dirtid boostada. Lacagta ka soo noqoto Gobolka waxaa lagu
shubaa koontada si ka sii dhaqsi badan!
Hubso in
Diyaariyahaada Canshuurta Raaco Sharciyada
Dhammaan dadka canshuurta buuxiya ee deyntana bixiya:
$ Waa inay sameeyaan canshuur celintaada isla markiiba.
$ Waa inay buuxiyaan foomamka ka hor inta ayan ku weydiinin in aad saxiixdid.
$ Waa inay saxiixaan canshuur celinta.
$ Waa inay ku siiyaan koobiga canshuur celintaada.
$
Waa inay haayaan koobiga canshuur celintaada muddo 4 sanno.
$
Waa inay si asturan u haayaan macluumaadkaada.
$
Waa
inay daacad ka ahaadaan adeegyadooda iyo siciradooda.
$
Waa inay sameeyaan
canshuurtaada xataa haddii aadan dooneynin Daynta Lacag Celinta.
$
Waa inay kuu dalbaan tixgelinada iyo dhimista loo maleynaayo in aad u qalantid.
$
Waa inay kuu soo celiyaan dokumentiyadaada (sida W-2) marka aad weydiisatid.
$ Waa inay kugu dallacaan ujro go=an, aan ahayn boqolkiiba lacagta la soo celiyo.
Diyaariyeyaasha canshuurta kuwa
bixiyo Daynta Lacag Celinta waa in ay ku siiyaan ogeeysiis muujinaayo Khadarka
Boqolkiiba Sannadka [Annual Percentage Rate (APR)] ee daynta, inta lacagta
laguu soo celiyo hoos u dhici doonto, iyo waqtiga aad ku qaadan doontid lacagta
laguu soo celiyo marka laga reebo daynta.
Waa in ay kuu digaan haddii aad bixin doontid kor saar dheeraad ah
haddii lacag celinta kaa soo daahdo. Adiga
iyo diyaariyaha canshuurta waa in aad saxiixdiin ogeeysiiskaan.
Iyada/isaga waa in ay ku siiyaan
liiska kharashka ee ku saabsan inta aad ka bixineysid
$ sameeynta canshuurta,
$ buuxinta kombuyuterka, iyo
$ Daynta Lacag Celinta (haddii aad heshid mid).
Haddii
diyaariyahaada canshuurta raacin sharciyadaa, warbixin soo gaarsii Waaxda
Dakhliga
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Minneapolis
Legal Aid – CLE MN
Legal Services Coalition 2324
University Avenue, Suite 101B St. Paul, MN 55114 |
Ha isticmaalin warqadaan xogta haddii ay ka weyn tahay hal sanno. Noo soo qor marka
aad dooneysid waraaqaha casriyeysan, liiska warqadda xogta, ama qaababka
kale. Waraaqaha Xogta ma
u aha jawaab dhameystiran arrimaha sharcigai.
U tak qareen si aad u heshid la-talin |