（中文在后面）

Who is eligible for an Individual stimulus payment? The amount you’ll receive will depend on your total income in 2019 or 2018. If you qualify, you’ll receive one payment. Here’s who qualifies:

• A single US resident must have a social security number and an AGI under $75,000 -$99,000, to receive the full amount of 0-$1,200.
• If you file as head of a household, you will get the full $1,200 payment if your AGI is $112,500 or less, with the amount decreasing till you reach $146,500.
• Married couples filing jointly without children with an adjusted gross income below $150,000 will get a $2,400 payment, decreasing to zero at $198,000.

What are the qualifying situations for retirement accounts relief?

• For 2020, those that are subject to mandatory minimum distributions from their qualified retirement accounts would be able to keep their funds invested without penalty.
• Individuals are allowed in 2020 to take distributions from their qualified retirement accounts, such as 401(k) plans and IRAs, of up to $100,000 without having to pay the 10% penalty on early distributions if the distribution is related to adverse financial consequences as a result of contracting COVID-19, or related factors

What are the extended individual Unemployment Benefits?

• Creates a temporary Pandemic Unemployment Assistance program through December 31, 2020. This program will provide payment to those not traditionally eligible for unemployment benefits (self-employed, independent contractors, those with limited work history, and others).
• Includes an additional $600 per week payment, on top of state benefit levels, to each recipient of unemployment insurance or Pandemic Unemployment Assistance for up to four months, through July 31. (Laid off workers currently qualify for up to 26 weeks of unemployment insurance. Benefit levels vary by state with most replacing about half of an individual’s wages during that time.)
• Provides an additional 13 weeks of federally-funded unemployment insurance benefits beyond the normal 26 weeks through December 31, 2020 to help those who remain unemployed after state unemployment benefits are no longer available. The amount provided would be the same as the regular benefit paid by the state.

What are the Small Business Relief Loans?

Coronavirus Aid, Relief, and Economic Security (CARES) Act  provides $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses. These loans may be forgiven.

• Specifically allots $10 Billion for Economic Injury Disaster Loans
  • Economic Injury Disaster Loans and Loan Advance Up to $2 million
  • 3.75 percent (2.75% for non-profits) interest rate on the loans will not exceed 4 percent per year and terms will not exceed 30 years.
  • To apply for a COVID-19 Economic Injury Disaster Loan, click here. https://covid19relief.sba.gov/#/
• $350 billion for Paycheck Protection Loans to help small businesses.
  • Loans are up to $10 million, or 2.5 times your total payroll expenses for the loan period  https://home.treasury.gov/system/files/136/Paycheck-Protection-Program-Application-3-30-2020-v3.pdf
  • The initial rate is 0.5 percent, but it may rise. It is capped at 4 percent.
  • The first month’s payments are deferred a full year from the date of the promissory note.
  • To apply:  Through any existing SBA 7(a) lender or any federally insured depository institution, federally insured credit union and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved.
  • Can be forgiven: Forgiveness covering the first eight weeks of the loan is possible if employers pay their expenses and maintain – or quickly rehire – employees and keep salary levels constant. Seventy-five percent of the amount given must be put toward payroll.

谁有资格获得个人刺激付款？您将收到的金额取决于您在2019或2018年的总收入。如果符合条件，您将收到一笔付款。符合条件的人：

单个美国居民必须拥有社会安全号码和AGI在$ 75,000-$ 99,000以下才能收到0- $ 1,200的全额款项。
如果您是一家之主，如果您的AGI为$ 112,500或更少，您将获得$ 1,200的全额付款，直到您达到$ 146,500为止。
已婚夫妇如果没有子女而联合申报，且调整后的总收​​入低于150,000美元，则将获得2,400美元的赔付，减少为零，为198,000美元。

退休账户减免的合格情况是什么？

对于2020年，那些从合格退休账户中进行最低强制性分配的人将能够保持其投资资金不受惩罚。
允许个人在2020年从其合格的退休帐户（例如401（k）计划和IRA）中获得最高100,000美元的分红，如果该分红与不利的财务后果相关，则不必为早期分红支付10％的罚款。签订COVID-19的结果或相关因素

扩展的个人失业福利是什么？

在2020年12月31日之前创建一个临时的大流行性失业援助计划。该计划将向传统上没有资格获得失业救济的人（自雇，独立承包商，工作历史有限的人以及其他人）提供付款。
到7月31日为止，包括每个州的失业金或大流行性失业援助金，除了州补助金之外，还额外支付每周600美元，为期四个月。（解雇的工人目前有资格获得长达26周的失业保险。福利水平因州而异，在此期间，大多数福利会取代个人工资的一半左右。）
在截至2020年12月31日的正常26周之外，再提供由联邦资助的13周失业保险金，以帮助那些在州失业救济金不再可用后仍然失业的人。提供的金额将与国家支付的常规福利相同。

什么是小型企业救济贷款？

《冠状病毒援助，救济和经济安全（CARES）法案》提供了3500亿美元的资金，以帮助小企业在大流行和经济低迷时期保持工人就业。该计划被称为“薪水保护计划”，为小企业提供100％由联邦政府担保的贷款。这些贷款可以原谅。

• 特别拨出100亿美元用于经济伤害灾难贷款
  经济伤害灾难贷款和贷款预付款高达200万美元
  贷款利率为3.75％（非盈利组织为2.75％），每年不超过4％，期限不超过30年。
  要申请COVID-19经济伤害灾难贷款，请单击此处。 https://covid19relief.sba.gov/#/
• 3500亿美元用于帮助小型企业的薪资保护贷款
  贷款最高为1000万美元，是贷款期总工资支出的2.5倍https://home.treasury.gov/system/files/136/Paycheck-Protection-Program-Application-Application-3-30-2020-v3。 pdf格式
  初始利率为0.5％，但可能会上升。上限为4％。
  首期付款从期票之日起延期整整一年。
  申请：通过任何现有的SBA 7（a）贷方或任何联邦参保的存托机构，联邦参保的信用合作社和参与的农场信用体系机构。贷款获得批准后，其他受监管的贷款人将可以提供这些贷款。
  可以原谅：如果雇主支付费用并维持（或迅速重新雇用）雇员并保持工资水平恒定，则可以宽恕贷款的前八周。必须将给定金额的百分之七十五用于工资单。