Penihana hāʻawi ʻāpana ʻole: hiki iaʻu ke kiʻi iā ia?

ka uku peni

Ke kamaʻilio e pili ana i nā penihana, ʻo kekahi o nā mea ʻike ʻole nui ʻia ka penihana hāʻawi ʻole. Akā maopopo anei iā ʻoe he aha kēia ʻano kōkua kaiaulu? ʻĀ, pono ʻoe e ʻike ʻo kēia ʻano penihana ka mea e pili ana i nā pōmaikaʻi waiwai a me ka lōʻihi ʻole, ʻoiai ʻaʻole mau, ʻo ka hāʻawi ʻana o ia mea he kumuhana nō ia ma mua. pili pili kānāwai me ka Social Security (ʻae ʻia kahi manawa hāʻawi haʻahaʻa i kekahi mau hihia), ke ʻike ʻia e hoʻokō ʻia nā koi ʻē aʻe.

ʻAʻole pili ka penihana hāʻawi ʻole i nā loiloi i ʻike pinepine ʻia nā penihana ma Sepania. E like me kahi laʻana, ua ʻae ʻia ka papahana moʻohelu kālā i kēia Pōʻalua e ka ʻAha Kūkā o nā Kuhina e ʻike i ka hoʻonui ʻia o nā penihana haʻahaʻa o ma waena o 1% a me 3%, kaukaʻi ʻia i ke ʻano a me ka papa o ka penihana, i ke kunou ʻana i ka pūʻulu o nā mea hoʻomaha i hana i nā kūʻē he nui i nā pule i hala aku nei ma Sepania. ʻĀ, ʻaʻole pili kēia mau hoʻonui i ka penihana hāʻawi ʻole. Inā ʻaʻole, ma ka ʻaoʻao ʻē, waiho ia ia ma lalo o nā palena like a hiki i kēia manawa.

ʻO kahi hiʻohiʻona āu e noʻonoʻo ai mai kēia manawa ma ka penihana hāʻawi ʻole he pilikia paʻakikī kāna e hoʻokō ai. No ka mea ʻaʻole hiki i nā mea āpau ke hoʻokō i kekahi o nā koina a lākou e koi ai no kā lākou hōʻiliʻili like. No ka mea ʻaʻole hiki iā ʻoe ke hoʻopoina i kahi nui a i ʻole ka nui o ka penihana hāʻawi ʻole he uku kaiapili i kēlā poʻe i hāʻawi ʻole i ka lawa o nā makahiki e hiki ai ke hōʻiliʻili i nā penihana kōkua. He ʻokoʻa ʻokoʻa kēia e pono ai ʻoe no ka ʻike piha.

Penihana hāʻawi ʻole: ʻo wai ka mea hiki ke komo iā ia?

ʻOiaʻiʻo, ʻaʻole hiki i nā poʻe āpau ke komo i kēia ʻano kōkua kaiaulu. Inā makemake ʻoe i ia, ʻaʻohe ou koho ʻē aʻe akā e ʻike he aha nā koi e koi ai kēia mau hāʻawi iā ʻoe. Ma waena o nā mea kū i waho ka mea a mākou e ʻōlelo ai ma lalo:

  • Pono ʻoe e palena iki makahiki 65 makahiki a mai ia mea hiki iā ʻoe ke hoʻopiʻi iā ia i kēlā me kēia manawa i kou ola.
  • La e noho kū kānāwai ʻoe ma Sepania. No kahi manawa liʻiliʻi o XNUMX mau makahiki o ka noho ʻana. No lākou, pono ʻelua o lākou e pili koke ana ma mua o ka lā o ka noi no ka penihana hāʻawi ʻole a me ka ʻole o ka hoʻoki ʻana.
  • Pono ʻoe nele paha i ka loaʻa kālā. I kēia manaʻo, e hoʻopili ʻia ʻoe i kēia hui kaiaulu ke ʻole kaʻoi aku o kāu loaʻa makahiki ma mua o 5.136,60 euro.

ʻAʻole kuleana ʻoe i kekahi o nā penihana hoʻomaha i ʻike ʻia ma ke ʻano he hāʻawi no ka hoʻokō ʻole i nā koi i noi ʻia. I waena o lākou, ʻo kekahi o nā mea e pili ana ka pili āu i hāʻawi ʻole ai no ʻumikūmālima mau makahiki i ka hoʻolālā mālama kaiaulu āpau a i ʻole ma ke ʻano he limahana limahana.

Ka nui o kēia penihana

dinero

ʻO kekahi o nā hiʻohiʻona e pili pono ana e hōʻoia i ka nui o ka penihana hāʻawi ʻole. No ka mea ʻaʻole like ka nui o ka ʻauhau. Inā ʻaʻole, ma ka ʻaoʻao ʻē, he mau haʻahaʻa haʻahaʻa lākou ʻaʻole e ʻae iā ʻoe e leʻaleʻa i kahi ku ke kūʻai kūʻai. ʻAʻole makehewa, manaʻo ʻia kēia ʻano penihana kūikawā ma ke ʻano he pōmaikaʻi nohona nona ka pahuhopu nui e hiki iā ʻoe ke māʻona i kāu mau pono koke. ʻAʻohe mea ʻē aʻe a no kēia kumu he haʻahaʻa haʻahaʻa loa ia e hiki ai iā ʻoe ke hana i kekahi pilikia ʻē aʻe i ka manawa o ka hoʻomaha loa. He mea ia e pono ai ʻoe e noʻonoʻo, he mea kūikawā inā nele ʻoe i ka manawa e hāʻawi i nā makahiki he ʻumikumamālima i kou ola ʻoihana.

E hoʻohālikelike iā ia me nā penihana hāʻawi, pono ʻoe e ʻike i ka waiwai o kēia mau mea ma hope o nā hoʻoponopono hope loa i hoʻokō ʻia e ke aupuni o ka lāhui. ʻĀ, nā penihana me ka nui o ka mahina a hiki i 700 euro i kēlā me kēia mahina (9.800 euro i kēlā me kēia makahiki) e ala aʻe i kēia makahiki e 1,5%, e pōmaikaʻi ana he 1,5 miliona mau penihana, ʻoiai nā penihana me ka nui ma waena o 700 a me 860 euro i kēlā me kēia mahina (12.040 euro i kēlā me kēia makahiki) e hoʻonui iki aʻe, 1%, e loaʻa ai nā pōmaikaʻi he 880.000, e like me ka helu ʻana a ke aupuni.

Loaʻa kālā i ka wā hoʻomaha

I kēlā me kēia hihia, pono pono ia e ʻike ʻoe i ka ikaika āpau āu e loaʻa ai mai kēia manawa inā koho ʻoe i ka penihana hāʻawi. No ka mea hiki ke nui nā hui like ʻana me ʻoe e ʻike ai mai kēia mau manawa kikoʻī. Aole makehewa, ka ka nui o ka penihana hāʻawi ʻole o ka hoʻomaha loa, i kēia makahiki 2018 ua hoʻopaʻa ʻia lākou i nā helu aʻe:

  • A pau: 5136,6 euro i kēlā me kēia makahiki.
  • Ka liʻiliʻi loa: 1284,15 euro i kēlā me kēia makahiki
  • Piha me ka 50% hoʻonui: 7704,9 euro i kēlā me kēia makahiki.

Ma ka ʻaoʻao ʻē aʻe, ʻaʻole ʻoi aku ka nui o ka penihana hoʻomaha hoʻomaha ma mua o ka 5136,6 euro i kēlā me kēia makahiki koe wale no kēlā nā penihana hemahema hāʻawi ʻole me ke kekele o ke kīnā e like a ʻoi aku paha ma mua o 75%. Ma hea e pono ai e hōʻoia i ka pono o ke kōkua o kahi kanaka ʻē aʻe e hana i nā hana nui o ke ola. Inā ʻo kēia kāu hihia, pono ʻoe e ʻike ʻo ka nui o kāu penihana hoʻomaha e 50% kiʻekiʻe ma mua o ka nui piha no kēia ʻano pono. ʻO ia, i kēia makahiki e kū nei, e uku ʻoe i ka huina kālā no kēia manaʻo o 7.704,90 euro.

Ma muli o ka loaʻa kālā pilikino

nā waihona

Eia naʻe, ʻaʻole maʻalahi e loaʻa nā kālā i kuhikuhi ʻia ma luna. Ma waena o nā kumu ʻē aʻe, no ka mea e loli paha ka nui ma muli o ka loaʻa kālā pilikino a i ʻole ka ʻohana ʻohana āu e noho ai. I kekahi hihia, hiki ʻole ke emi ma lalo o 25% o ka huina piha i kaha ʻia. I nā huaʻōlelo ʻē aʻe, ʻaʻole hiki ma lalo o 1284,15 euro i kēlā me kēia makahiki. ʻO kēia ma ka hana ʻo ia hoʻi inā he loaʻa kālā ʻē aʻe a ka mea hoihoi, ʻaʻole hiki iā ia ke ʻohi i ka nui loa. Inā ʻaʻole, ma ka ʻaoʻao ʻē, e hoʻoliʻiliʻi ia a hiki i ka palena iki o kēia kōkua kaiaulu i ka poʻe hoʻomaha.

Ma ka ʻaoʻao ʻē aʻe, ʻo ia paha ka hihia i noho pū kekahi mau mea kōkua o kēia ʻano penihana i kahi ʻohana. I kēlā hihia, e loli ka uku no kēia ʻano hoʻomaha.

  • ʻElua mau mea kōkua penihana kōkua ʻole: 4633,18 euro i kēlā me kēia makahiki i kēlā me kēia mea loaʻa.
  • ʻEkolu mau mea kōkua penihana kōkua ʻole: 4109, 28 euro i kēlā me kēia makahiki i kēlā me kēia mea loaʻa.

Ma hea e hoʻolālā ai i kēia mau hāʻawi?

ʻO kekahi hiʻohiʻona āu e noʻonoʻo ai mai kēia manawa kahi e hele ai e hoʻopiʻi i ka penihana hāʻawi ʻole. ʻĀ, hiki ke hoʻokō ʻia nā kaʻina hana i ka Nā keʻena mālama kaiaulu, IMSERSO a i ʻole ma nā keʻena lawelawe kaiāulu o kou kaiāulu kūʻokoʻa o kahi noho. No ia mea e pono loa ʻoe e hāʻawi i nā palapala āpau a lākou e koi ai no ka hōʻiliʻili ʻana i kēia mau ʻike. Ma kahi o kekahi mau hihia, pono e haʻi ʻia ka loaʻa kālā o nā makahiki i hala.

I loko ma waena o hoʻokahi a me ʻekolu mau mahina E pane lākou i kēia koi. I ke ʻano, inā hui ʻoe i nā ʻano āpau e hōʻiliʻili i kēia līlī kūikawā. Inā ʻae, hiki iā ʻoe ke loaʻa i kēia loaʻa kālā i loko o kahi manawa lōʻihi ʻole o ka manawa. ʻOiai i kēlā me kēia manawa e loli paha kona nui, e pili ana i nā nūhou e hōʻike ʻia e pili ana i ka loaʻa kālā i hiki iā ʻoe ke loaʻa i kēia wā o kou ola. Me kahi ʻano paʻa ʻole e pili ana i ka hoʻomohala ʻana o kēia uku kūloko i ka hoʻomaha loa.

Loiloi hou i ka 2018

I kēlā me kēia hihia, e loiloi ʻia ka penihana hāʻawi ʻole i kēia makahiki e 0,25%. ʻO ka poʻe e kū ana i nā koi i hōʻike ʻia ma luna aʻe nei, pono e waiho i ka palapala noi piha pono me nā palapala pono e kikoʻī ʻia i kēlā me kēia palapala. E hoʻolālā ʻia i nā kikowaena luna i hōʻike ʻia aʻe nei. Akā i loaʻa iā ʻoe ka ʻoluʻolu hou aʻe e hoʻokele i kēia kaʻina hana, hiki ke hoʻolei ʻia nā hiʻohiʻona ma o ka Pūnaewele no ka mea ua pololei lākou.

E hoʻomanaʻo ʻoe i kēia ʻano pōmaikaʻi waiwai i manaʻo ʻia no kēlā mau mea i kahi kūlana o ka pono pale. ʻO ia, ua nele lākou i nā kumuwaiwai kūpono no kā lākou mea ola i nā ʻōlelo i hoʻokumu ʻia. ʻOiai ʻaʻole hiki iā lākou ke hāʻawi i ka manawa kūpono e kiʻi ai i nā pono o ka pae hāʻawi. I kekahi hihia, nui a hewahewa nā ʻano hana i kēia mau pōmaikaʻi a kuhi ʻia lākou i nā ʻāpana kaiāulu e like me ke kīnā a me ka hoʻomaha loa.

Ka hoʻomaha a me ke kīnā ʻole

kīnā ʻole

Hoʻomaopopo ʻia e ka līlū maʻamau, ka līkī mua ma muli o ke kūlana ʻelua, ka līkī mua me ka ʻole o ke lālā pili, ka hoʻomaha loa ʻana i loaʻa mai ka hoʻomaha ʻole ʻana o ka hana, ka līlū mua ma ka makemake o ka limahana, ka hoʻomaha loa ma muli o ka hōʻemi o ka Minimum. makahiki ma muli o ka hana o nā hana nui, ʻona a maikaʻi ʻole hoʻi, ka hoʻomaha loa ʻana o nā limahana me ke kino kīnā, ka līlī hapa, ka līlī līlī a me ka hoʻomaha loa kūikawā ma 64 mau makahiki.

ʻO kekahi hiʻohiʻona e loiloi i nā kumu mai ka ʻoiaʻiʻo o nā penihana hāʻawi a me nā hāʻawi ʻole uhi i nā hihia o ke kīnā a me ka hoʻomaha loa. Uhi ka mea mua i ke kīnā paʻa mau (piha, paʻa piha a koʻikoʻi loa) a me ka make (wahine kāne make a me nā keiki makua ʻole i ka ʻohana o nā ʻohana). Kūpono lākou i nā ʻāpana kaiāulu pili e like me ke kīnā a me ka hoʻomaha loa.


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Kāu leka uila aae? E,ʻaʻole e paʻiʻia. i hāliu aku i koi 'ia kula *

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  1. He kuleana no ka ʻikepili: Miguel Ángel Gatón
  2. Ke kumu o ka ʻikepili: kaohi SPAM, hoʻokele ʻōlelo.
  3. Legitimation: Kou ʻae
  4. Ka kamaʻilio ʻana o ka ʻikepili: ʻaʻole e hōʻike ʻia ka ʻikepili i nā ʻaoʻao ʻekolu koe ka mana o ke kānāwai.
  5. Pūnaewele mālama: Pūnaewele i mālama ʻia e Occentus Networks (EU)
  6. Nā Kuleana: I kēlā me kēia manawa hiki iā ʻoe ke palena, hoʻōla a kāpae i kāu ʻike.