Nuhou moraki

Ke koi ʻia ka TAX EXEMPT INCOME no ka hōʻoia ʻana, hiki ke hoʻonui ʻia ka ʻāpana ʻauhau ʻole o ka loaʻa e 25% me kekahi mau palapala e hōʻoia ana ʻaʻole hiki ke ʻauhau ʻia.
Eia naʻe, no ka loaʻa kālā Social Security (ʻo ia hoʻi, ka loaʻa kālā hoʻomaha, nā pōmaikaʻi o ke kino kīnā, nā pōmaikaʻi o ke ola a me ka loaʻa kālā palekana hou), hiki iā mākou ke hoʻonui i ka 15% o ka loaʻa me ka loaʻa ʻole o nā palapala hou inā he hōʻaiʻē Freddie Mac kēia.
No ka laʻana, inā he $1,000/mahina ka loaʻa kālā o ka Borrower's Social Security, hiki iā mākou ke hōʻiliʻili i $150 (ʻo ia hoʻi, 15% o $1,000) me ka loaʻa ʻole o nā palapala i hoʻokuʻu ʻia kēia ʻāpana o ka loaʻa kālā, penei:
$150 x 25% = $37.50
$1,000 + $37.50 = $1,037.50
Hiki ke hoʻohana ʻia he $1,037.50 no ka loaʻa ʻole ʻana o ka ʻauhau ʻauhau a i ʻole nā ​​palapala ʻē aʻe e hōʻike ana ua hoʻokuʻu ʻia ka loaʻa kālā.
Eia hou, inā makemake mākou e hōʻuluʻulu i ka huina kālā holoʻokoʻa (ʻo ia hoʻi, $1,000) a i ʻole nā ​​ʻano kālā ʻauhau ʻole ʻē aʻe, he kope o ka hoʻihoʻi ʻauhau pākahi federal no ka makahiki hoʻokahi hope loa a i ʻole nā ​​palapala ʻē aʻe e hōʻike ana he ʻauhau ka loaʻa. pono e hoʻokuʻu ʻia.