Mangani emitero isu isu veSpanish vatinobhadhara?

Mitero ndeimwe yemubhadharo uyo vateresi vanofanirwa kusangana nawo kuti vaite nemazvo hupfumi. Iko hakuna chete kunanga mitero, asi izvo zvinofungidzirwa zvisina kunangana, sezvo iwe uchizokwanisa kuongorora mune ino chinyorwa. Nekuti mitero ndiyo chaiyo mitero iyo munhu mumwe nemumwe, mhuri kana kambani inofanirwa kubhadhara nyika kubhadhara zvido zveruzhinji, nekudaro vachipa chikamu chemari yavo. Kusvika padanho rekuti ivo vanonyanya kudikanwa munharaunda dzevanhu. Kunyangwe inogona kusanganisira zvinopfuura chimwe musoro mune zvirevo zvevateresi.

Pane chinhu chimwe chakajeka uye icho ndechekuti paunobhadhara mimwe mitero, unenge uine mari shoma muakaundi yako yekutarisa. Chinhu chavari kupokana nacho nehupfumi hupfumi hwehunhu hwakasununguka. Nekuti zvinoreva kuti vanobhadhara mitero vanozove nemari shoma shoma yekushandisa yekushandisa kana zvimwe zviitiko zvehupfumi. Nayo maakaunzi akajairika ehurumende imwe neimwe anotambura nekuti kuyerera kwehupfumi kwakadzikira zvakanyanya. Neichi chikonzero, pane akasiyana mafambiro ehupfumi izvo zvakanaka kana kwete kuwedzera kana kudzikisa mutoro mutero pakati pevagari.

Kune rimwe divi, hazvigone kukanganwika kuti mitero inogona kudzokororwa neimwe nguva zvichienderana nezvinodiwa nehupfumi hwenyika imwe neimwe. Kubva pane ino mamiriro ese, zvinogona kutaurwa kuti nezviwanikwa zvemari ndiyo nyika dzinowana zviwanikwa zvakakwana kuita kwavo kuita. Mune zviito zvakasiyana sekutonga, zvivakwa kana kunyangwe kupihwa kwemasevhisi. Nenzira, zvikamu izvi zvinoenderana nemutero wemutero unobuda muhomwe nevateresi.

Mitero: yakananga uye isina kunangana

Musiyano wekutanga mumitengo mizhinji wakakamurwa pakati pemitero yakananga uye isina kunangana. Kubva pane iyi nzira yemitero, ndiyo yekutanga iyo inonyanya kufarira chikamu chikuru chevateresi nekuti ivo vanofanirwa kuvabhadhara mune zvese zviitiko. Nenzira, ivo vari mitengo yakavhurika kune vese yehunhu hwayo hwakakosha. Nekuti mukuita, ivo havangokanganise chete vanobhadhara mutero nenzira imwecheteyo, sezvauchaona kubva zvino zvichienda mberi.

Kune rimwe divi, kune izvo zvinonzi zvinonanga mutero, izvo zviri chaizvo izvo zvinowira zvakanangana nemunhu, nzanga, kambani, nezvimwe. Nekuti iwo akavakirwa zvakanyanya pane iyo hupfumi hwevaya vanobatwa. Ndokunge, zvichienderana nezvinhu zvavo uye chizvarwa chemari. Zvimwe zvinonyanya kuzivikanwa uye izvo zvauchasangana nazvo ndezve izvo zvinoreva kune wega mari yemutero, yemakambani mutero kana nhaka uye zvipo mutero. Zvakare vamwe vana vadiki vasingazove pasi peimwe tsananguro.

Mitero isina kunanga

Kune rimwe divi, kune iri kirasi yemubhadharo iyo yakakoshawo kwazvo kutsvaga mari nenyika dzakasiyana dzepasi. Mumwe mutsauko unovasiyanisa kubva kune mumwe unowanikwa pakuti iyi mitero inoiswa pazvinhu nemasevhisi uye kwete kune vanhu sezvazviri nemitero yakananga. Ndokureva, zvisina kunangana sezita zvarinoreva. Vanhu vanoshandisa chigadzirwa kana chinhu uye saka vanofanirwa kubhadhara mitero pane zvaanoita. Dzimwe nguva nenzira yakanyanya kuwanda kana zvasvika kune zvikamu zvinoshandiswa.

Kubva pane ino yakajairika mamiriro, hapana mubvunzo kuti iyi mitero inogona kunge iri yakajeka kupfuura mimwe. Iko kune vamwe varipo uye vanozivikanwa seVAT, mutero pane wedzimuko kuchinjisa kana iyo mitero yakakosha pazvinwiwa zvinodhaka. Zvinofanira kujekeswa kuti imwe yemari idzi inobhadharwa zvichienderana nekuti unodya zvigadzirwa zvavo here. Nekuti mukuita, hauna hukama navo, haufanire kuvabhadhara chero nguva, sezvinoitika panguva ino nemitero yedoro. Hazvishamise kuti zvinongoshanda kune vatengi kwete kune vamwe vanhu sezvatatsanangura kare.

Proportional kana kudzosera mitengo

Kumwe kwekukamurwa uko mitero inogona kuve inoiswa kune iyo inotongwa neaya akakosha parameter. Iko kuenzanirana mutero kunoreva kune yakamisirwa muzana iyo iyo yemutero base isingatariswe zvachose. Kune rimwe divi, kune zvakare mitero akafananidzirwa seanodzorera uye ndedzipi idzo dzinokwidziridza purofiti kana mari, ichawedzera mari yaunofanira kubhadhara. Mumwe weiyi mienzaniso waizomiririrwa neVAT pazvinhu zvekutanga, izvo zvakapararira muhurongwa hwemitero hwazvino muSpain.

ari mitengo inofambira mberi vanogona kuve vanoregeredzwa zvakanyanya, asi havazove vanonyanya kukosha kubva pamaonero emari. Yayo nzira yemutero yakavakirwa pane axiom yakapusa senge iyo yepamusoro purofiti kana rendi, inowedzera iyo muzana yemitero iyo inofanirwa kubhadharwa nevateresi. Muenzaniso wakajeka weiyi mutero sisitimu ndiyo inoratidzirwa nemutero wemari, imwe yeanonyanya kuratidza karenda yemari yeSpain uye yanga ichinyatso fambira mberi kubvira payakasikwa. Kusvika padanho rekuti inogona kukuvadza yako mutero zvido zvichienderana nemari yaunowana iwe gore rega rega.

Mitero mikuru

MuSpain, kune akateedzana emitengo inomira pamusoro pevamwe uye iwo ndiwo atinozokupa kwauri neimwe tsananguro. Ivo vanoreva kune zvimwe zvakakosha zve karenda yemari yenyika yemari uye zvinozivikanwa nekuti zviri mukati mekugona kweMatunhu Akazvimiririra kana maPfuma eTunhu, asiwo mamwe anotarisirwa neHurumende.

Imwe yeakanyanya kukosha ndeye Weyako WeMutero Mutero (IRPF). Mutero pamari inowanikwa mutero unobvisirwa purofiti yevanhu, makambani, kana mamwe mwero wemasangano zviri pamutemo. Iwe unofanirwa kuzviita zvepamutemo gore rega uye mune iyo mari yese inotorwa kubva kubasa uye mari inofanira kutariswa. Vanenge vese vateresi vanofanirwa kuisimbisa, mune dzimwe nguva neako-wega-kuongorora kuti vadzokere kana kubhadhara. Izvo hazvikodzeri imwe tsananguro nekuda kwekuzivikanwa kwayo kukuru pakati pevateresi vese.

Mutero Wemutero (IS)

Ehezve, uyu mutero hauna kukura sekutanga. Hazvishamisi kuti mutero wemubatanidzwa ndiwo iwo unoreva mutero pamari yemakambani, unova mutero wakananga, wehunhu uye kazhinji wemutero mumwe chete, uyo inowira pane purofiti inowanikwa nemakambani. Kune rimwe divi, haugone kukanganwa kuti mashandisiro ayo anoitwa kunyanya kumakambani uye kwete kune vanhu, saka zvinonyanya kutemerwa mune zvawo mhedzisiro.

Mumwe mwero wehunhu uhu ndihwo hunoreva Mutero Wefuma unozivikanwa zviri nani semutero wefuma kana mutero wepfuma. Ichi chiyero chakakosha chinoiswa wega, kwete pamari yegore kana kutengeserana, asi pazvinhu zvako wega yevanhu chaivo. Kusvika padanho rinotara hupfumi chaihwo hwevanhu, kusvika padanho hombe kana shoma. Naizvozvo, zvinonyanya kutemerwa kune vamwe vagari kusvika mutsauko kubva kune zvimwe zvakajairika.

Mutengo Wakawedzerwa Mutero (VAT)

Ndiwo mumwe wemitero mikuru inoiswa mukarenda renyika rezvemari uye rinopa musiyano wekusiyana kunoitarisa seimwe mwero wakakosha. Kubva pano mamiriro, VAT mutero iwe waunofanirwa kuita pachikamu chakanaka che hunyanzvi nekutengesa mashandiro. Saka kuti uve nejekerere kubva zvino zvichienda mberi, iwe unofanirwa kuziva kuti VAT mutero mutero pane kushandiswa, ndiko kuti, inobhadharwa nemutengi semutero unodzosera, unoshandiswa munyika zhinji uye wakapararira muEuropean Union.

Iyo inoiswa nezvikamu zvakasiyana zvichienderana nemazhinji akasiyana. Nekuti zvazviri, zvinosiyana zvichienderana nechigadzirwa kana sevhisi inotengwa kana kutengeswa, uye nekudaro kune marapirwo akasiyana muVAT. Kufanana neinotevera iyo yatinokufumura pazasi.

• Zvakawanda VAT (21%)
• Iyi ndiyo default VAT mwero uye ichashanda kune akawanda zvigadzirwa uye masevhisi: zvipfeko, DIY, fodya, mapaipi masevhisi, kugamuchira vaeni, midziyo yemumba, nezvimwe.
• Yakaderedzwa VAT (10%)
• Rudzi urwu runosanganisira akasiyana siyana zvigadzirwa sezvaunonyatsoziva parizvino. Inonyanya kuzivikanwa inosanganisira zvekudya, mvura, mishonga.
• Yakanyanya-kuderedzwa VAT (4%)
• Iyo yepamusoro-yakadzikiswa VAT mwero inoiswa kuzvinhu nemasevhisi anoonekwa seakakosha. Sezvazviri muzvinhu zvinotevera zvatinokufumura:
  Chikafu chekutanga mudengu rekutenga (mukaka, chingwa, mupunga, nezvimwewo).
  Mabhuku nemapepanhau (magazini nemapepanhau)
  Mishonga yekushandisa kwevanhu
  Prosthetics, zvemukati zvinodyara, orthotic uye mota dzevanhu vakaremara.

Kana isu hatikwanise kukanganwa iyo Real Estate Mutero, inozivikanwa zviri nani neshoko rayo, IBI. Mune ino kesi, uye kusiyana nevamwe, iwo wakananga wemunharaunda mutero uyo unobhadhara iyo muridzi uye chaiyo kodzero iwe yaunayo pamusoro pechero zvivakwa.