Izinto ezixhuzulelwa irhafu ngo-2019: I-Unifi ithenga iminikelo ye-PTTPN yefowuni ukuxhasa ukucuthwa kwerhafu yabazali

I-2020 imbuyekezo yerhafu kufuneka yazi: 2018 irhafu exhuzulwa izinto zokusetyenziswa

• Unokutsala irhafu xa ufaka imbuyekezo yakho yerhafu ka-2020 ngokusekwe kwezi zinto zilandelayo zokusetyenziswa, kwaye qiniseka ukuba uzigcina iirisithi zakho zokusebenzisa.

1) Abazali abaxhomekeke kwiimeko zokuxhuzulwa irhafu: Abazali abaxhomekeke kubo banokutsala irhafu

• Ukuthomalalisa umthwalo wabantwana abanyamekela abazali abalupheleyo, abahlawuli berhafu banokutsala i-R1,500 (i-RM3,000 iyonke).
• Nangona kunjalo, kufuneka kuphawulwe ukuba oko kutsalwa kwerhafu kufuneka kube ngokufanelekileyo, kungekuphela komhlawuli werhafu.Kufuneka kwabelwane ngayo nabantakwenu ngaphandle kokuba umhlawuli werhafu kuphela komntwana.
• Umzekelo, ukuba umhlawuli werhafu unabantakwenu abane ekhaya, i-3,000 ringgit yahlulwe ngo-4, ngamnye uya kuba nelungelo lokufumana i-avareji yekhredithi yerhafu ye-RM750.
• Umhlawuli werhafu unelungelo le-RM3,000 yekhredithi yerhafu kuphela ukuba abanye abantakwenu abafanelekanga ukuba bafake ingxelo yerhafu.
• Ukuba ngumzali omnye kuphela ophilayo, abahlawuli berhafu banokwahlula kuphela i-RM1,500 yetyala lerhafu ngokulinganayo kubantakwabo.
• Kwelinye icala, abahlawuli berhafu banokufikelela kwi-R5,000 kwisiqabu kwiindleko zonyango, iimfuno ezikhethekileyo kunye neendleko zokhathalelo ezihlawulwa ngabazali.
• Nangona kunjalo, abahlawuli berhafu banokukhetha enye kuphela yeendleko zonyango zomzali kunye nokutsalwa kwesondlo.Ukuba bathi batsalelwe irhafu kumatyala ezonyango zabazali babo, abanakuxhuzulwa irhafu kubazali babo ababakhulisayo.

2) Ngaba ndingayitsala irhafu ekuthengeni ifowuni? Ngaba irhafu yeUnifi iyatsalwa?

umgangatho ophezuluUbomiAmaqela axhuzulwa irhafu (ukuya kuthi ga kwi-RM2,500 into nganye)

• Amaqela oxhuzulo lwerhafu aquka ukuthengwa kwezinto ezikhoyo zokufunda, ukuthengwa kwekhompyutha, iimpahla zemidlalo, ukwandiswa kokuthengwa kwephephandaba, i-smartphone kunye neemveliso zobuchwepheshe bethebhulethi, iiphakheji ze-intanethi kunye nobulungu bejim.
• Iqela ngalinye litsalwa irhafu ukuya kuthi ga kwi-R2,500 enkulu ngonyaka.
• Ngamanye amazwi, ungafumana ukutsalwa kwerhafu ukuya kuthi ga kwi-RM2,500 ekuthengeni kwakho amaphephandaba, ii-smartphones kunye neetafile, iiphakheji ze-intanethi, ubulungu bejim.

3) Izixhobo zokuncancisa umntwana zitsalwa irhafu

• Ukuncancisa kuyakhuthazwa, kutsalwa irhafu eyi-R2 kwizixhobo zokutyisa iintsana kubantwana abangaphantsi kweminyaka emi-1,000 (kanye kwiminyaka emi-2)

4) Imfundo yabantwana abangaphantsi kweminyaka emi-6 itsalwa irhafu

• Kutsalwa irhafu eyi-R6 kubantwana abangaphantsi kweminyaka emi-1,000 abahamba imfundo yaseprayimari.

5) Uvavanyo lomzimba

• Ukuhlolwa kwezonyango ukuya kuthi ga kwi-R500 yokukhululwa kwirhafu.

6) Iindleko zemfundo yomntu

• Elona xabiso liphezulu lokutsalwa kwerhafu ngama-R7000.

7) INgxowa-mali yeMfundo ePhakamileyo (Tabungan bersih dalam skim SSPN)

• Irhafu itsalwa ukuya kuthi ga kwi-R6000
• Ukuba ulondolozela ingxowa-mali yemfundo yomntwana wakho ngeSicwangciso soLondolozo lweMfundo kaRhulumente (SSPN) esaphehlelelwa yiNgxowa-mali yeMfundo ePhakamileyo kaRhulumente (PTPTN), uya kufumana ikhredithi yerhafu eyi-RM6,000 kwidiphozithi echaphazelekayo.

8) I-Inshurensi yoBomi kunye neNgxowa-mali yesiBonelelo

• Irhafu itsalwa ukuya kuthi ga kwi-R6000

9) I-inshurensi yemfundo kunye nezempilo

• Irhafu itsalwa ukuya kuthi ga kwi-R3000.

10) Inkqubo yoMhlalaphantsi yaBucala (iNkqubo yaBucala yoMhlalaphantsi)

• Irhafu itsalwa ukuya kuthi ga kwi-R3000.

11) Izipho eziya ezikolweni zitsalwa irhafu

• Ayisiyiyo loo nto kuphela, kodwa ukuqala ngo-2019, wonke umntu onikela kwisikolo sikarhulumente okanye kwikholeji yemfundo uya kufaneleka ukuba atsalelwe irhafu yengeniso.

Uluhlu lwezinto ezingama-2018 ezitsalwa irhafu ngo-21

Oku kulandelayo luhlu lwezinto ze-2018 ezinokutsalwa eMalaysia kwi-21▼

F2 Iindleko zonyango zabazali (a) okanye iindleko zokuhlala (b) (inye kuphela kuzo enokunyulwa)

F2a) Iindleko zonyango zabazali (Ubukhulu - RM 5,000)

• i) Ukhathalelo lwezonyango kunye nonyango olunikezelwa likhaya labongikazi.
• ii) Unyango lwamazinyo (ngaphandle kwamazinyo okuthambisa).

Qaphela:

• Imfuno yonyango okanye ukhathalelo yomzali kufuneka iqinisekiswe ngugqirha onelayisensi yiMalaysian Medical Council
• Abazali kufuneka babe ngabahlali baseMalaysia.
• Unyango okanye ukhathalelo kufuneka lwenziwe ngaphakathi eMalaysia.
  

F2b) Iindleko zokuhlala zabazali (Max – RM 3,000)

*Abantwana babazali abaxhomekeke kubo baya konwabela ukuxhuzulwa irhafu ye-R3, kunye nokutsalwa kwe-R1 umntu ngamnye.

Qaphela:

• Ukuze ufanelekele ukufumana intlawulo yerhafu, umfaki-rhafu kufuneka abe ngumntwana osemthethweni okanye umntwana owamkelwe ngokusemthethweni.
• Ngutata omnye kuphela onokukhululelwa ukuya kutsho kwi-R1 kwaye umama omnye unokukhululwa ukuya kuthi ga kwi-R5.
• Abazali kufuneka babe ngabahlali baseMalaysia kwaye babe ngaphezulu kweminyaka engama-60 ubudala.
• Umvuzo wonyaka wabazali akufanele udlule kwi-R2.
• Ukuba abanye abantwana bakowenu nabo benza isicelo sokuxhuzulwa imali (umntu ngamnye kufuneka abelane ngesixa-mali esixhuzulwayo ngokulinganayo), nceda ukhumbule ukugcwalisa i-HK-15 kwaye ugcine olu lwazi.

Uncedo olusisiseko lwe-F3 lwaBantu abakhubazekileyo (Ubuninzi-RM 6,000)

• Thenga izixhobo ezisisiseko kubantu, amaqabane, abantwana okanye abazali abakhubazekileyo.
• Uncedo olusisiseko lubandakanya izixhobo zonyango - oomatshini be-hemodialysis, izitulo ezinamavili, iprosthetics kunye nezixhobo zokuva, kodwa hayi iilensi zamehlo kunye neeglasi.

F5 uMrhumo weMfundo yoBuqu (Ubuninzi-RM 7,000)

Abantu ababhalise kwizifundo kumaziko emfundo ephakamileyo aphunyezwe nguGunyaziwe weMfundo ePhakamileyo yaseMalaysia. Umda wezifundo ubandakanya:

• (i) Ukuya kufikelela kwinqanaba ledyunivesithi (ngaphandle kwenqanaba le-masters okanye zobugqirha) - kwiinkalo zomthetho, i-accounting, i-Islamic finance, iteknoloji, imisebenzi yezandla, ishishini okanye izakhono zolwazi.
• (ii) Inqanaba le-Master's okanye isiGqirha - nayiphi na inkalo okanye inkqubo yokufunda.

F6 uMrhumo woNyango weSigulo esiMandundu (Ubuninzi-RM 6,000)

• Iindleko zonyango kwizigulo ezimandundu zabantu, amaqabane, abantwana.
• Izigulo ezimandundu ziquka: I-AIDS, i-Parkinson, umhlaza, ukusilela kwezintso, i-leukemia, isifo sentliziyo, i-pulmonary hypertension, isifo esingapheliyo sesibindi, i-hepatitis enzima kakhulu, ukusilela kwe-neurological ngenxa yokwenzakala entloko, ithumba lobuchopho okanye ukungahambi kakuhle kwemithambo, ukutsha kakhulu, utyando lokufakelwa kwamalungu kunye nokukhulu. ukunqunyulwa kwamalungu.

F7 Gqibezela uVavanyo loMzimba (Ubukhulu-RM 500)

• Ibandakanywe kwi-F6's RM6,000 umda
• Uvavanyo olupheleleyo lomzimba lubhekiselele kuvavanyo lomzimba opheleleyo.
• Ubuninzi be-R500 bunokuyekwa xa kujongwa umzimba opheleleyo kumntu ngamnye, amaqabane kunye nabantwana.

Indlela yokuphila ye-F8 (Ubukhulu – RM 2,500)

ziquka:

• (i) Ukuthengwa kweencwadi, iimagazini, amaphephandaba nolunye upapasho olufanayo.
• Iincwadi, iijenali, iimagazini, amaphephandaba kunye nolunye upapasho olufanayo (olubhalwe kwikopi eprintiweyo okanye ekwimo ye-elektroniki, ngaphandle kweencwadi ezingavumelekanga) ukuba uzithenge ngokwakho, iqabane lakho okanye abantwana bakho.
• (ii) ukuthenga ikhompyutha yakho, i-smartphone okanye ithebhulethi.
• Iindleko ekuthengeni ikhompyuter yakho, i-smartphone okanye ithebhulethi iya kutsalwa irhafu.Inokusetyenziswa nguwe, iqabane okanye abantwana (ukusetyenziswa okungekuko kweshishini).

(iii) Ukuthengwa kwezixhobo zemidlalo kunye neentlawulo zobulungu bokufaneleka.

• Iindleko kuwe, iqabane okanye abantwana:
• (a) ukuthengwa kwaso nasiphi na isixhobo sezemidlalo (kubandakanywa izixhobo zexeshana elifutshane ezifana neebhola zegalufa nebhedminton kodwa kungabandakanywa iimpahla zemidlalo)
  (b) Ubulungu kwijim.
  

(iv) Ukuhlawulwa komrhumo we-intanethi wenyanga

• Bhalisela ibhili yobhaliso lwe-intanethi egameni lakho.

Izixhobo zokuncancisa ze-F9 (Ubuninzi – RM 1,000)

(a) Olu ncedo lwerhafu lufumaneka kuphela kubahlawuli berhafu ababhinqileyo abanengeniso kunye nabantwana abangaphantsi kweminyaka emi-2:

(b) Izixhobo ezifanelekileyo zokuncancisa ziquka:

• (i) iiseti zobisi kunye neepakethe zomkhenkce;
• (ii) izixhobo zokuqokelelwa nokugcinwa kobisi lwebele;
• (iii) izinto zokupholisa okanye iibhegi.

(c) Olu ncedo lwerhafu lunokusetyenziswa kanye emva kweminyaka emi-2.

F10 Iklasi yoBongikazi okanye intlawulo yemfundo yabantwana bangaphambi kwesikolo (Ubuninzi – RM 1,000)

• Abahlawuli berhafu bathumela abantwana abangaphantsi kweminyaka emi-6 kwiziko logcino-bantwana elibhaliswe kwi-Ofisi yoMphathiswa weMicimbi yezeNtlalo okanye i-kindergarten ebhaliswe kwi-Ofisi yoMphathiswa wezeMfundo eMalaysia.

F11 SSPN Savings Plan (Ubukhulu – RM 6,000)

Imali eyongiwe yabarhafi kwi-akhawunti ye-State Education Savings Plan (SSPN) yabantwana

F12 Uncedo lomyeni/umfazi okanye isondlo (Ubukhulu – RM 4,000)

• Ukuxhuzulwa kwe-R4 kuyafumaneka kumaqabane asekhaya angenamvuzo, kunye nesondlo esihlawulwe kowayesakuba ngumfazi nayo itsalwa ngama-R4. (isivumelwano esisesikweni siyafuneka)

F14 inkxaso yabantwana

F14a) Abantwana abangaphantsi kweminyaka eli-18 abasesekwimfundo banelungelo lokutsalwa irhafu eyi-R2 umntu ngamnye.

F14b) Abaneminyaka eli-18 ubudala nangaphezulu, abantwana abangatshatanga kunye nabantwana abahlangabezana nale miqathango ilandelayo baxhuzulwa irhafu eyi-R8.

• (i) Ukufunda kwiyunivesiti yasekhaya okanye kwikholeji (ngaphandle kwezifundo zamalungiselelo eyunivesithi)
• (ii) i-bachelor's okanye inkqubo yemfundo elinganayo (kubandakanywa ne-master's okanye i-doctorate) kwamanye amazwe
• (iii) Iziko lemfundo elichaphazelekayo malivunywe licandelo likarhulumente elichaphazelekayo

F14c) Abantwana abakhubazekileyo (Ubuninzi – RM 6,000)

• Irhafu exhuzulwayo kubazali abakhulisa abantwana abakhubazekileyo yi-R6.Abazali banelungelo lokuxhuzulwa irhafu ukuya kutsho kwi-R1 ukuba umntwana ufunda kweli lizwe okanye ngaphandle.

I-F15 ye-Inshorensi yoBomi kunye neNgxowa-mali yesiBonelelo EPF (Ubukhulu – RM 6,000)

• Intlawulo yezavenge zeinshorensi yobomi kunye nengxowa-mali yeprovidenti (EPF) okanye ezinye izikim ezivunyiweyo ngokutsalwa kwe-R6 iyonke.

F16 iSkimu saBucala soMhlalaphantsi we-PRS (Ubukhulu – RM 3,000)

• Iyonke imali exhuzulwayo kwi-PRS kunye neentlawulo zeinshorensi ezihlawulwa kwipenshini yabucala yi-R3.

F17 Imfundo okanye i-inshurensi yezonyango (Ubukhulu – RM 3,000)

• Kwizavenge zentlawulo yeinshorensi yemfundo neyonyango, ukutsalwa kwemali iyonke kuqingqelwe kwi-R3.
  

I-Inshurensi yezeNtlalo ye-F18 (SOCSO) (Ubukhulu – RM250)

• Ubuninzi bokuxhuzulwa kweentlawulo ze-inshurensi yezentlalo (SOCSO/PERKESO) yi-RM2.

Ukungaqondi kakuhle kwerhafu #1: Ukungaxeli ingeniso eyongezelelweyo

• Abantu abaninzi abarholayo bafumana ingeniso eyongezelelekileyo ngaphandle kwenkampani, kodwa abayixeli ingeniso eyongezelelweyo njengomvuzo wokurenta, iikomishini, iifizi zokuthumela, njl.Iza kuzaliswa phi?
• Nangona kunjalo, kufuneka uxele kuphela ingeniso eseleyo emva kokutsalwa kweendleko.
• Umzekelo, ingeniso yerenti inokutsalwa kwiirhafu zepropathi, kwizavenge zeinshorensi yekhaya, kwimirhumo yokulungisa, njl. njl., kodwa iindleko zezixhobo zefenitshala okanye izifudumezi-moya azinakutsalwa.
• Ukuba unomnye umvuzo, nceda ugcwalise "B3", oko kukuthi, "enye inzala, izaphulelo, iintlawulo ze-inshurensi, enye ingeniso eqhelekileyo ...".

Ukubuyiswa kweRhafu Umbono ophosakeleyo 2: Ifomu yeRhafu yeNgeniso engachanekanga

• Abahlawuli berhafu abanenani elikhulu lemithombo yengeniso bahlala bengakwazi ukwahlula iifomu zerhafu yengeniso abazixelayo.
• Ngokufutshane, abo bangenzi ishishini bafaka iFom BE;
• Ukuba baqhuba ishishini labo, elifana nentsebenziswano yokutyela nabahlobo, ingeniso esuka kuloo mashishini ifanele ifakwe kwiFomu B.

Ingcamango ephosakeleyo yerhafu 3: Iimbuyekezo zerhafu emva kwexesha

• Abahlawuli berhafu abaninzi bathanda ukufaka iirhafu zabo ngomzuzu wokugqibela, kwaye abanako nokugqiba iifom zabo zerhafu ngomhla wokugqibela.
• Khumbula, umhla wokugqibela wokufakwa kwerhafu kwiFom BE nguAprili 4;
• Umhla wokugqibela wokungenisa iFomu B ngowama-6 kuJuni.

1. Ifom BE - ingeniso yobuqu evela kumsebenzi wexeshana, akukho shishini - phambi kwe-4 ka-Epreli (imbuyekezo yerhafu ye-elektroniki ngaphambi kwe-30 kaMeyi)
2. IFomu B - ishishini lomntu, iiklabhu, njl. - phambi kwe-6 kaJuni (ukufakwa kwe-elektroniki ngaphambi kwe-30 kaJulayi)

Umhla wokugqibela wokugcwaliswa kwerhafu yengeniso yaseMalaysia, nceda ucofe ikhonkco elingezantsi ukujonga▼

I-Malaysia 2024 ye-Electronic Filing Deadline izohlwayo zokuFayiliswa kade kudlule kuMda weXesha

Matshi minyaka le lixesha lokuba abemi baseMalaysia bafezekise izibophelelo zabo zerhafu. Mhlawumbi abantu abaninzi abakayazi ukuba yintoni irhafu? Ngokukodwa abo baselula abatsha kumsebenzi wentlalontle, bakholelwa ngephutha ukuba irhafu yinto kuphela abo bavula iinkampani kunye nokwenza ishishini kufuneka benze. ngoko,……

Ukungaqondi kakuhle kwerhafu 4: Ukungaxeli izibonelelo zempahla

• Kwabanye abaqeshi ababonelela ngezibonelelo zobubele kubasebenzi, njengeemoto zenkampani, iiselfowuni, iinkampani ezihlawulela indawo yokuhlala, njl.
• Ezi zibonelelo eziphathekayo ziyingeniso erhafiswayo kwaye kufuneka zirhafiswe.
• Ixabiso lilonke lale nzuzo ibalulekileyo liya kuphawulwa kwiNqaku 2 leFom yeEA yomrhafi "B" kwaye kufuneka ifakwe kwiFomu BE kunye nomnye umvuzo.

Ukungaqondi kakuhle kwerhafu 5: Akukho satifiketi sokutsalwa kwerhafu

• Ukuba unomvuzo wokurenta egameni lakho, kufuneka ubhale "B2" kwiCandelo B lefomu ye-BE, eyingeniso esemthethweni evela kwirenti.
• Xa urhulumente ekhupha irhafu, abahlawuli berhafu nabo kufuneka bafake izicelo zamaxwebhu afanelekileyo.
• Umzekelo, ubungqina beerisithi zokuthengwa kweencwadi, iikhompyutha, amatyala onyango lwabazali, njl.

Umbono ogwenxa werhafu #6: Iirisithi eziphelelweyo

• Xa amagosa esiya emnyango ukujonga iirhafu zakho, xa uzithembile ungakhupha irisithi ebigcinwe iminyaka, uya kumangaliswa kukufumanisa ukuba uninzi lweerisithi zijika zibe “ngamaphepha angabhalwanga” ngaphandle kwe-inki. !Ibuhlungu kakhulu...
• Umhlawuli werhafu usenokuyazi ukuba kufuneka agcine iirisithi, kodwa angahoyi ukuba iirisithi ezininzi emarikeni ziirisiti ezishushu eziya kuphelelwa okanye zingashiyi mbhalo.
• Eyona ndlela ifanelekileyo kukugcina ezi risithi ngokuskena okanye ukuzifota.

Umbono ogwenxa werhafu 7: Ingeniso engahlawuliswa irhafu njengomvuzo orhafiswayo

• Abanye abarhafi baphatha ngempazamo izibonelelo okanye izibonelelo njengengeniso erhafiswayo xa beqikelela iimbuyekezo zabo zerhafu.
• Ngenxa yoko, bahlawula iirhafu ezininzi ngokufihlakeleyo.
• Ngokutsho kweSebe leNgeniso engaphakathi kuMhlaba, kukho izibonelelo ezili-11, izaphulelo okanye izibonelelo ezinikelwa ngabaqeshi abanelungelo lokufumana izibonelelo ezimiselweyo nyaka ngamnye.
• Umzekelo, ukuya kutsho kuma-R6,000 kwinkxaso yepetroli, amayeza okanye izibonelelo zononophelo lwabantwana.
• Isixa-mali sisonke sesibonelelo siya kudweliswa ngokwahlukeneyo kwifom ye-EA elungiselelwe umhlawuli werhafu, kwicandelo "G" ezantsi.
• Qaphela ukuba isixa esikule kholam asifuni kubuyiselwa irhafu kwaye akunyanzelekanga ukuba sifakwe kwifom ye-BE.

Umbono ogwenxa werhafu #8: Ukufaka isicelo seminikelo engaqondwayo

• Ayiyiyo yonke iminikelo exhuzulwa irhafu, kwaye kuphela iminikelo evela kwii-arhente ezivunywe ngurhulumente okanye iziseko ezinokuthi zifake ibango lokuxhuzulwa.
• Iyonke iphelele kwi-7% yengeniso eqokelelweyo.
• Noko ke, abanye abahlawuli berhafu abaqondi enoba iminikelo iyaxhuzulwa kusini na, yaye bafaka izicelo zoncedo lomnikelo.
• Uyichonga njani imibutho yabaxhasi evunywe ngurhulumente?
• Ukuba umnikelo wenziwa kumbutho ovunyiweyo okanye isiseko, irisithi iya kuphawulwa "Umnikeli oMkelwe nguRhulumente".

Jonga ukuba i-arhente ivunyiwe

Landela la manyathelo angezantsi ukubona ukuba i-arhente yamkelwe na:

Isiqendu 1:Ngena kwiwebhusayithi ye-IRS

• Unokukhetha inguqulelo yesiNgesi kwikona ephezulu ngasekunene.

Isiqendu 2:Khetha ikhonkco langaphakathi;

Isiqendu 3:Cofa kwi "Uluhlu lwamaziko phantsi kweCandelo 1967 (44) ITA 6" kwikona esezantsi ekunene;

Isiqendu 4:Faka iinkcukacha ezifanelekileyo ezifana negama likarhulumente, isisa okanye igama lengxowa-mali.

Umbono ongalunganga werhafu #9: Awunakungqina ukuba uzifakile iirhafu zakho

• Iirhafu ze-elektroniki kunye neerisithi ziya kungeniswa ukubonisa ukuba iirhafu zifakwe kwaye zihlawulwe.
• Nangona kunjalo, abahlawuli berhafu abathi ngesandla okanye ngokuthumela irhafu yabo yerhafu abanako ukubonisa ubungqina bokuba irhafu ifakiwe kwaye irhafu ihlawulwe.
• Ngenxa yokuba i-ofisi yerhafu ayikhuphi isaziso "esifunyenweyo", ukuba imbuyekezo yerhafu ilahlekile, abahlawuli berhafu basengxakini enkulu.
• Ngaphandle kokuba umhlawuli werhafu uyihlawule irhafu kwaye ugcine irisithi, unokungqina ukuba irhafu ifakiwe.

I-Tax Return Impazamo ye-10: Ukungagcini iiRekhodi zeRisithi

• Nje ukuba ubuyiselo lwakho lwerhafu lugqityiwe, musa ukucinga ukuba zonke iirisithi zakho, iziteyitimenti zeprimiyamu, kunye namanye amaxwebhu akhululekile ukuba angalahla.
• I-Ofisi yeRhafu ifuna ukuba abahlawuli berhafu bagcine ezi risithi namaxwebhu emva kokuba befake imbuyekezo yerhafu.