Kodi ngongole zimatha liti ku Spain

   Spain ngongole yolemba

Ndi zachilendo kuti nthawi ina m'miyoyo yathu tidakhala ndi ngongole ku kampani kapena munthu winaMwina mwina tili ndi ngongole ndi ndalama. Ngakhale ndichinthu chofala kwambiri, si ambiri omwe amadziwa kuti nthawi ikafika, Ngongole imatha kupereka, ndiye kuti siyimapezekanso ndipo ndizomwe tikufuna tikambirane m'buku lino.

Kodi ngongole ndizosatha?

Nthawi zambiri anthu omwe amakhala ndi ngongole amakonda kuganiza kuti awo Ngongole imakhalapo mpaka ndalama zonse zitaperekedwa abwereketsedwa, kuwonjezera pa chiwongola dzanja. Chowonadi, komabe, ndikuti ku Spain, ngongole sizikhala kwamuyaya kapena kwamuyaya. Ngongole zimapereka ndipo zimatero m'njira zosiyanasiyana, mwachitsanzo:

  • Choyamba, ngongole mwachiwonekere imafotokoza pomwe ndalama zonse zomwe munalipira zaperekedwa.
  • Chomwe chimadziwika kuti "mankhwala oti ", yomwe imachitika pakadutsa nthawi, ngongole imangochotsedwa, ngakhale wokongoletsayo salipira zonse zomwe anali nazo.
  • Momwemonso, ziperekedwe zokhoma kuti wokhometsa msonkho yemwe ali ndi ngongole ku tax Agency, amalipira ngongoleyo ndi ndalama zomwe ziyenera kulandilidwa ngati kubweza msonkho wa munthu.
  • Ngakhale kuti ndi ngongole yosowa ngongole, kutsutsidwa ndi njira ina yomwe ngongole zimakhalira. Izi zimachitika pomwe wobwereketsa "amakhululuka" ngongoleyo.

Kodi ndi nthawi yanji yomwe ngongole zimaperekedwa ku Spain?

Zowonadi zake zonse zimadalira mtundu wa ngongole yomwe wapanga. Pakadali pano, Civil Code ku Spain imakhazikitsa chimodzi chokha mpaka zaka 5 ngongole yomwe mungapereke, Koma izi zimangogwira ntchito pamangongole omwe alibe lamulo lokhazikika. Pali zifukwa zosiyanasiyana zamangongole osiyanasiyana.

  • Ngati ndi ngongole yanyumba, kulembedwa kwa ngongole kumakhazikitsidwa mpaka zaka 20. Pankhani yobweza ngongole, munthu yemwe sanatchule nthawi yapadera yolembetsera ngongoleyo, nthawiyo ndi zaka 15.
  • Mu ngongole za Social Security komanso TreasureIzi zimayikidwa kwa zaka 4.
  • Ngati ili yokhudza ngongole za ngongole zosagwirizana ndi ngongole yanyumba ndipo zomwe zapatsidwa ndi mabanki, chiwongola dzanja chomwe chimagwiritsidwa ntchito chimapereka pambuyo pazaka 5. Pankhani ya ngongole yayikulu, izi zimatsimikiziranso pambuyo pazaka 5. Komabe, ngati ngongole idapezeka pakati pa Novembala 7, 2000 ndi Novembala 7, 2005, lamulo la zoperewera ndi zaka 15.
  • Ponena za ngongole zochokera pakulipirira ndalama, kulipira ntchito, kubwereka nyumba, mankhwala ake ndi zaka 5.

Kodi wobwereketsa angatani asanalandire ngongole?

Wobwereketsa akakumana ndi vuto loti wobwereketsa sabweza ngongole, amatha kutero njira zachiweruzo kapena zachiweruzo kupanga chindapusa cha kulipira. Mwanjira imeneyi, malamulo apano akhazikitsa kuti wobwereketsa atha kuletsa kupereka kwa ngongole kuti isazimitsidwe ndipo ataya ndalama zake.

Spain ngongole yolemba

Njira zosiyanasiyana momwe wobwereketsa amatha kusokoneza ngongole ya ngongole ndi iyi:

  • Potumiza burofax
  • Kudzera kukhothi
  • Ndi njira yodziwira ngongole
  • Kusiya ngongole ndikulandila ngongole

Ndikofunika kumvetsetsa kuti wobwereketsa akapanga chilichonse kuchitapo kanthu kuti mutenge ngongole, zomwe mukuchita ndikungoyimitsa ngongole ya ngongole. Izi zikutanthauza kuti nthawi yofunikira kuti ngongole isoweke pakapita nthawi imayambiranso kuyambira pomwepo. Izi zachidziwikire, wokongolayo atadziwitsidwa kuti akufuna kubweza ngongoleyi.

Mwachitsanzo, mukakhala ndi lendi yemwe sanalipire renti ya malowo, wobwereketsa atha kupanga lipoti loti alipire mwalamulo kapena mopanda tsankho, nthawi iliyonse zaka 5 zisanathe kuchokera pomwe ngongoleyo idachitika. Zaka zisanu zomwezi zakutha kwa ngongole zimayambiranso kuyambira pachiyambi.

Zowonjezera

Ngati mukufuna kusiya kalata ya ngongole, ndikofunikira kuti zitsimikizidwe kuti wobwereketsa walumikizana ndi wamangawa. Zoterezi zikachitika, chinthu chofunikira kwambiri ndikutumiza burofax yotsimikizika, momwe amafunsira malipirowo. Kuphatikiza apo, komanso ndi cholinga choti wobwereketsayo anganene kuti kulumikizana sikunachitike bwino, ndibwino kuti alembedwe ndi katswiri pankhaniyi, pankhaniyi loya wodziwika bwino pankhani zangongole.

Chachizolowezi ndichakuti ndikulemba komwe wamangongole amawonetsedwa kuti akadali nawo ngongole yolipira wobwereketsa wanu. Kuti muwonetsetse bwino chikalatacho, mutha kulumikizanso zidziwitso zonse zomwe zimatsimikizira kukhalapo kwa ngongoleyo, ngakhale izi sizokakamizidwa. M'chikalata chomwechi, mumapatsidwanso nthawi yomaliza kuti muthe kubweza ngongole yanu ndikuwonetsanso momwe mungalipire ngongolezo. Zolemba izi sizitanthauza kusokonezedwa ndi mankhwalawo.

Chiweruzo

Lamulo lachiweluzo la ngongoleyo limafunikira kutsatira njira zaboma ndipo munthawi imeneyi choyenera kwambiri ndi dongosolo lazolipira. Izi zimachitika polemba chikalatacho, komanso zolemba zomwe ngongole idachokera. Zonsezi zikakhazikitsidwa, woweruzayo amafuna kuti wobwereketsa abweze zomwe ali nazo kapena kuti azitsutsa mkati mwa masiku osapitirira 20.

tsiku lotha ngongole

Pakakhala kuti wobwerekayo samamaliza ngongole yake pambuyo poti dongosolo la kubweza lachitika kapena sanapezekebe, ndiye kuti njira yolipirira imathetsedwa ndipo ndipamene wobwereketsa atha kupempha kuti aphedwe. Tsopano, ngati ndalama zomwe zikufunsidwa pakulipira zimadutsa € 2.000 ndipo wobwerekayo akukana, ndiye kuti pakulengeza kotengera izi, kulowererapo kwa loya ndi loya kuyenera.

Kenako woweruzayo apatsidwa ntchito yothetsera zonena za onsewo ndikuwona ngati pali ngongole kapena ayi. Kukachitika kuti lingaliro la woweruza livomereze wobwereketsa, ndiye kuti likhala tsiku lomaliza wamangawa amathetsa ngongole yake yonse. Ngati ngakhale zonsezi, wobwereketsayo sakufuna kapena sangakwanitse kulipira zomwe ali nazo, ndiye kuti njira yomaliza ndiyo njira yoperekera chiweruzo, momwe zomwe zimapezedwa ndikulanda katundu wa wobwereketsa kuti apeze zomwe zikuyenera.

Nanga bwanji za ngongole yapa kirediti kadi?

Pakali pano, a Nthawi yolembera ngongole pakhadi la ngongole ndi zaka 5, omwe amawerengedwa kuchokera pomwe kukwaniritsidwa kwa mangawa kungafunsidwe. Ndikoyenera kudziwa kuti m'mbuyomu, lamulo la zoperewera linali zaka 15, koma chifukwa chakuwongolera mu nkhani ya 1964.2 ya Civil Code, tsopano ndi zaka 5 zokha.

ngongole ya ngongole

Nthawi zambiri mukakhala ndi imodzi ngongole ya ngongole, pempholi limapangidwa kudzera mu dongosolo la njira zolipirira. Pankhani yakulemba ngongole yapa kirediti kadi, ndikofunikira kunena izi ngati "Chifukwa chotsutsa" kuyitanitsa kulipira.

Kusintha uku kulembedwa kwa ngongole yapa kirediti kadi, Zimaganizira kuti ngongole zonse zomwe zimabwera kuchokera ku kirediti kadi komanso zomwe zalandiridwa pambuyo pa Novembala 7, 2015, zimakhala ndi malire pazaka 5 zomwe angafunikire kutsatira.

Kumbali inayi, ngongole zonse za kirediti kadi pambuyo pa Novembala 7, 2005 komanso Novembala 7, 2015 asanalembedwe Novembara 6, 2020. Pazokhudza ngongole za makhadi asanafike Novembala 7, 2005 Novembala 15, adzakhala ndi Nthawi yayitali kuyambira pomwe pangafunike kutsatira, kuwonjezera pa zaka XNUMX.

Kodi ngongole ndi mabanki ndi Social Security zimapereka?

Ngati mukufuna kudziwa Kodi ngongole ndi mabanki zimatha nthawi yanji, Choyambirira chomwe muyenera kuchita ndikuwona kuti ndi ngongole yanji yomwe mwalandira. Pakadali pano, ngongole za kubanki kumabanki zili ndi zaka 15 zomwe zimawerengedwa kuyambira pomwe adalandira kwa wobwereketsa.

Pankhani ya Social Security, malamulo apano akutsimikizira kuti ngongoleyo imafotokoza pambuyo pazaka 4, koma munthawi izi:

  • Zochita zokhwima chifukwa chakulephera kutsatira malamulo a Social Security
  • Zomwe mungachite kuti muthe kubweza ngongole zachitetezo cha Social Security
  • Ufulu wa Social Security Administration wokhazikitsa ngongole zonse ndi Social Security komanso kuti ndi quotas.

Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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  1.   Rodrigo anati

    Moni, sindikumvetsetsa gawo lomaliza, pomwe akuti: "Pakadali pano kulembedwa kwa ngongole ndi mabanki kuli ndi zaka 15 zomwe zimawerengedwa kuchokera kuzidziwitso zomaliza kwa wobwereketsa." Mwinanso ngongole yangongole yopanda chikole sichiphimbidwa ndi kusintha kwamalamulo azaka 5 zokha?.
    Gracias

  2.   wobweza ngongole anati

    Kodi Lamulo la Second Chance ndi liti?
    Lamulo la Second Chance, kuchepetsa mavuto azachuma komanso njira zina zachitukuko, lakhala likugwira ntchito ku Spain kuyambira 2015. Kwa zaka zambiri zomwe zatchedwa "njira yachiwiri yopangidwira" zakhala zikugwiridwa. Ili kuti? Kwenikweni, ndizokhudza kuthekera kwakuti munthu wachilengedwe, yemwe ali ndi ngongole inayake, amafunsa kuti akhululukidwe kapena kukhululukidwa ngongoleyo.

    Monga momwe dzinalo limatanthawuzira, lamulo lachiwiri la mwayi ndi njira yatsopano yopangira mapangano ndi omwe amabweza ngongole, kuletsa kapena kubweza ngongole. Mwachizolowezi, ndi chida chovomerezeka mwalamulo kuti anthuwa atuluke m'mikhalidwe yawo ndikubwerera m'moyo watsiku ndi tsiku. Kodi mukufuna kudziwa momwe mungapulumukire ku mavuto azachuma? Tawonani, anthu ambiri omwe ali mumikhalidwe yofanana ndi yanu apindula ndi izi.