Ngati china chomwe chimadziwika kuti ndi phindu lalikulu chimadza chifukwa cha zotsatira zake wosokoneza. Chifukwa phindu lililonse lomwe mumapanga liyenera kuchitiridwa ndi misonkho yambiri yomwe ikugwira ntchito ku Spain. Zina mwazofunikira kwambiri ndi Misonkho Yomwe Mumalandira (IRPF), mtengo wa cadastral komanso pamlingo wina wake ndi Property and Real Estate tax, yotchedwa IBI. Ichi ndiye chinthu chofunikira kwambiri pakukondweretsedwa. Muyenera kuwerengera ntchito zomwe zapeza phindu nthawi iliyonse.
Komabe, ndikosavuta kusiyanitsa zomwe zimakhudza kuti ziwonetse phindu lake lenileni ndi mtundu wanji wa ntchito zomwe zimapanga. kuwonjezeka kwa capital. Chifukwa sizingakhale choncho nthawi zonse. Kupeza ndalama m'misika yamalonda kulibe kanthu kochita ndi zomwe zimapangidwa kudzera mu malo anu ogulitsa. Amangofanana kuti nthawi zonse pamakhala kubwezeredwa pamtengo wamtengo wapatali komanso kuti umatha kukhala wocheperako, kutengera mitundu yosiyanasiyana.
Zotsatira
Kupeza ndalama pazogulitsa masheya
Mulimonse momwe zingakhalire, phindu lomwe mumapeza paubwezoli silili laulere. Ayi sichoncho, chifukwa zidzatero kukhomeredwa misonkho motsatira misonkho zomwe zingakuthandizeni kuchepetsa phindu lomwe mwapeza. Misonkho yayikulu kwa omwe amagulitsa ndalama payekha ndi Misonkho ya Munthu (IRPF) pazopeza zazikulu zomwe amapeza. Ngakhale kugulitsa masheya sikuyenera kuimitsidwa, ndikofunikira kuphatikiza zochitika zomwe zikuchitika mu Statue ya Ndalama, ndikulipira misonkho yofananira yopeza phindu lomwe mwapeza. Kodi mukufuna kudziwa kuti mtengo wopeza phindu kupyola muyeso wofalawu ndi uti?
Zosungidwa mpaka 23%
Ndikotheka kuti mudziwe mitengo yamisonkho yomwe ikugwiritsidwa ntchito ku Spain pamtunduwu wazachuma. Komanso, zimasiyana kuyambira 19% mpaka 23%, kutengera phindu lomwe mwapeza muntchito iliyonse m'misika yazachuma.
- Ndi zopindulitsa mpaka 6.000 euros zidzakhala 19%.
- Ndi mapindu pakati pa 6.000 ndi 50.000 euros akhala 21%.
- Zopeza zonse zopitilira ma 50.000 euros zikhala ndi msonkho waukulu, pa 23
Mulimonsemo, zopindulitsa sizimangopeka chifukwa cha ntchito m'misika yazachuma. Ngati sichoncho, m'malo mwake, imachokeranso pamalipiro phindu. Chifukwa chakuti, pakadali pano, chiwongola dzanja cha pakati pa 19% ndi 23% chimagwiritsidwa ntchito, nthawi zonse kutengera kuchuluka komwe kumasonkhanitsidwa kudzera mu lingaliro la akauntiyi.
Kupeza ndalama pamalingaliro ena
Munjira ina, phindu lalikulu likhozanso chifukwa cha kugulitsa nyumba. Kufikira kuti ndiimodzi mwazomwe zimachitika nthawi zambiri pakati pa ogwiritsa ntchito. Makamaka, kugulitsa malo ndikupeza phindu pamtengo wake wapachiyambi, ndiye kuti, mtengo wogula. Pachifukwa ichi, ndalama zomwe zimapindula ndi malo ndi nyumba zimatha kukhala ndi matanthauzidwe osiyanasiyana, monga momwe mungatsimikizire kuyambira pano. Chifukwa idzapanganso ndalama zomwe ziziwonetsedwa kudzera m'misonkho kapena zolipiritsa.
Pokambirana za zomwe zimapeza phindu lalikulu, ndikofunikira kutchula zomwe zimatchedwa Capital tax. Kufunika kwa Malo Akutawuni. Chifukwa ndi pambuyo pakupeza ndalama zonse zamatauni. Mulimonsemo, ndi ndalama zakomweko zomwe muyenera kupanga mukamachita ntchito yosamutsa katundu. Tsopano, ngati muli eni ake a rustic, simudzalipira chilichonse chifukwa zimangokhudza malo okhala m'tawuni. Zina mwaziphatikizazo zimakhala, ma garaja kapena malo ogulitsa.
Misonkho ya capital capital imapeza msonkho
Mu dongosolo lina lazinthu, muyenera kudziwa kuti katundu kapena malo atasamutsidwa, ndiye okha kugulitsa phwando amene ayenera kulipira msonkho wapafupi. Mwamwayi kwa inu, ngati mukuchokera kuphwando logula, simukuyenera kulipira ndalama zilizonse. Mulimonsemo, ndi msonkho womwe muyenera kulemba ku holo ya tawuni komwe kuli nyumba, nyumba kapena malo azamalonda omwe akuchitidwa ntchitoyi. Mpaka pomwe zochitika zachumazi zitha kubweza misonkho yomwe ingakhudze banja lanu kapena bajeti yanu.
Kodi mungawerengere bwanji msonkho?
Komabe, chimodzi mwazinthu zopweteka kwambiri pamisonkho yanyumba zimabwera zomwe zimakhala zovuta kuziwerenga. Sikuti onse ogwiritsa ntchito ndiosavuta kuchita izi masamu. Kukuthandizani pantchitoyi, palibe chabwino kuposa kudziwa kuti misonkho imawerengedwa potengera mtengo wamalo a cadastral ndi nthawi yomwe yadutsa phwando logulitsa kapena woperekayo kapena womwalirayo, pankhani yazopereka ndi cholowa. Kuti mumvetsetse bwino zomwe mudzayenera kulipira kuyambira pano mpaka pano pantchito zamtunduwu, muyenera kudziwa zomwe koefficient yomwe ingagwiritsidwe ntchito kwa inu kuyambira pano.
Awa ndiwo malire pazowonjezera zokwanira kugwiritsidwa ntchito ndi khonsolo mulimonsemo. Ndipo zomwe muyenera kulipira zimatengera zomwe muyenera kulipira kudzera mumisonkho yolumikizidwa mwachindunji ndi phindu lalikulu. Monga momwe muwonera, coefficient imachepa m'kupita kwa zaka.
- Kuyambira chaka chimodzi mpaka zisanu: 3,7.
- Mpaka zaka 10: 3,5.
- Mpaka zaka 15: 3,2.
- Nthawi ya zaka 20: 3
Chofanana ndi chuma
Mulimonsemo, chidzakhala chizindikiro cha chuma komanso kuti muli ndi ndalama zokwanira kuti muzigulitsa. Osangogwira ntchito mu misika yamalonda. Komanso kugulitsa nyumba kapena malo ena. Kupeza ndalama sikudzakhala kosayanjanitsika ndi aliyense, monga momwe kukuwonetsani zomwe zakuwonetsani mzaka zaposachedwa. N'zosadabwitsa kuti ndi lingaliro lochulukitsa lomwe limakhudza zinthu zambiri m'moyo.
Zina mwazovuta za lingaliro
Zachidziwikire, kufotokozera mwachidule mutu wotenthawu masiku ano ndikuti phindu la capital limapanga msonkho womwe umakhomeredwa pakuwonjezeka kwa mtengo. Musaiwale kuyambira pano, chifukwa mutha kukhala ndi vuto lina lomwe mungavutitsidwe mokomera inu. Mulimonsemo, malingaliro oyamba amtunduyu ndi otakata kwambiri ndipo amapezeka mu ntchito za oganiza kwambiri pamunthu. Ndi ntchito momwe mutu wotenthawu umayankhidwa mwachindunji.
Ndikukula kwa mtengo wa chinthu kapena chinthu pazifukwa zosiyanasiyana zomwe eni ake sangathe kuwongolera. Ichi ndi chimodzi mwazifukwa zomwe phindu lazachuma limachokera kuzinthu zambiri. Kutengera chifukwa chakulemeretsa kwa anthu. Cholinga chomwe anthu ambiri masiku ano amafuna. Kuti mwanjira iyi, athe kukulitsa chuma chawo pang'onopang'ono.
Khalani oyamba kuyankha