Mumwe wemibvunzo unowanikwa nevanhu vazhinji ndewe Zvinotora nguva yakareba sei kuita kuti mutero udzorere mari yacho mubatsiri yauya pane zvandinoreva? Kunyangwe hazvo purazi ichivimbisa kuti mari ichadzoserwa mukati memazuva mashanu, vanhu vazhinji vanomirira kwenguva yakareba kuti vanakirwe nemari yavo.
Nhasi ticha tsanangura kuti sei izvi zvichiitika
Gore rega rega, chikamu chakakura chevanhu vanoisa faira yemutero yekudzoka vane kuenzanisa kwakaringana. Semazuva ese, vanhu vazhinji vaitarisira kuti mari inodzoserwa kumaakaundi avo mukati memazuva mashanu ebhizinesi, zvisinei vanhu vazhinji havana mari mumaakaundi avo mukati menguva iyoyo.
Izvi zvinotanga kumutsa hasha pakati pevanhu, avo, kure nekutora zvinhu zvishoma nezvishoma uye kuona nyaya yavo zvakasiyana, vanotanga kutsamwa.
Chikwereti chemari kune vanobhadhara mutero mumazuva mashanu
Kunyangwe hacienda ataura kasingaperi izvo chikwereti chikwereti chichava chakagadzirira vateresi mukati memazuva mashanu, chokwadi ndechekuti izvi zviri kufunga chete kune vanhu vari kubhadhara mitero pahwaro hwehomwe. Ndokureva, zano iri remazuva mashanu rakagadzirwa kuitira kukurudzira vanhu avo vanowanzo dhara faira yemitero kuti vadaro.
Otomatiki kudzoka
Nyaya dze otomatiki kudzoka, iyo inoitirwa vanhu vanonyorera kudzoka kwavo kwegore nenguva, vanonyorera zviyero chete zvine chekuita nemitero yekunze uye kwete yemitero inobhadharwa pane zvinoitwa nevanhu venyama, pamwe nenyaya dzekuparadzaniswa kana kupihwa masevhisi. Kana ivo havapinde mukunakidzwa kwezvinhu.
Kukosha kwekuzivisa kwegore nevashandi
Nekudaro, pane zviri pamutemo, zvakatemwa mazwi kuitira kuti chivakwa chiitwe kukudzorera mari yako nekwereta chikwereti. Izvo zvakakosha, kunyangwe iwe uchizivisa iyo mari gore rega kana kwete, kuti iwe uri kujekeserwa nezve aya mahedheni.
Mutemo unoti, kana zvese zvikave zvakarongeka nemazita edu emari uye pasina mhando yekukanganisa yakawanikwa, mari inogona kuchengetwa muaccount yebhangi, mune izwi risingapfuuri mazuva makumi mana kubva musi unobhadharwa nemuteresi wakabhadharira mubhadharo.
Hacienda anogona kugadzirisa iri zuva
Hongu, Treasury inogona kugadzirisa zuva iri, kana ikafunga kuti inofanira kukumbira humbowo kubva kumubhadhari wemabviro ebharanzi yataurwa mukuda. Ndokunge, iwe unogona kukumbira humbowo kubva kumuteresi we chokwadi cheshoko rako uye izvi zvakare zvine nguva yakakwira ye Mazuva makumi maviri ekuendesa zvese zvinyorwa. Pakati pezvinhu zvinogona kukumbirwa nenzvimbo ndeizvi: data remubhadhari, nhoroondo dzedhata inopihwa musitatimendi yemari kana chero rumwe ruzivo rwakawedzerwa urwo runoonekwa sedare kuti runokosha kuti ruratidze kwakabva mari yakati. Kunyangwe kana muteresi achiendesa zvese zvinyorwa, muteresi anogona kusarudza kusapa mari kumuteresi, nekuti iyo data irikuratidzwa nemunhu haisi kuona chaiko.
Kana zvese zviri zvechokwadi uye munhu achiendesa rese data nenzira kwayo, Treasure ine mazuva mashoma ekupa mari mushure mekunge magwaro aunzwa.
Kana muteresi achiendesa zvese zvinyorwa asi Treasure ichiri kuda zvimwe kuti ione kwakatangira mari, vachapihwa nyowani mukati memazuva gumi kuendesa zvinyorwa zvitsva zvinokumbirwa. Kana mushure menguva ino, iyo Treasure ichiri isingakwanise kuongorora kwayakabva, ichazongorambidzwa.
Dzimwe nyaya dzinogona kunonoka kudzoka kwako
Kana uine zvakawanda zvikanganiso
Muchiitiko chekuti mubati wemitero auye nesitatimendi yemari umo zvinonyatsoonekwa kuti ane zvikanganiso mu data ririmo, Treasure ine mvumo yekukumbira muteresi kuti ajekese nekunyora uye mukati memazuva gumi. Data rakawanikwa pa akadaro bepa nekuvaendesa.
Aya mhosho anogona kuve emhando ipi neipi, kubva pa dambudziko neakaundi account yekudzoka (kureva kuti, nhamba hadzienderani neidzo dzauinadzo kare) ku data rako raunenge uinaro pamusoro pemunhu iyeye.
Muchiitiko chekuti dambudziko riri munhamba nemari dzinodzoserwa, Treasury haizobvunze mubhadhari kuti ajekeswe uye ichadzosera iyo chaiyo mari yakatarwa nehurongwa hwayo, pasina kufanira kubhadhara mutero kuti aite chirevo chekuwedzera.
Unoona sei, hacienda iwe unogona kuwedzera zuva rekubhadhara kwako kupfuura mazuva mashanu uye kana mazuva makumi mana nemutemo, chero bedzi iwe uchikwanisa kuratidza kuti chirevo chemari inotumirwa nemuteresi hachisi chokwadi.
Kana zvadaro, mushure mekutumira yako chirevo chemariMushure memasvondo maviri uye Treasure isati yakubata, zvingangodaro kuti hapana dambudziko nesitatimendi yako yemari uye kuti zvinongoramba zvakamirira kuti mari iiswe muaccount yako otomatiki. Rangarira kuti, kana pasina munhu anokubata iwe kukumbira mamwe magwaro, iyo nguva nemutemo mazuva makumi mana ebhizinesi kuti ugone kunakirwa nemari yako
Chii chinoitika kana uchiramba kudzoka kwangu asi usandiudze chikonzero
Izvi, kunyange hazvo zvisiri izvo zvakajairika, zvaitika, zvichisiya vanhu vanga vakamirira mari yavo vasingazive kwavanogona kuti vagadzirise dambudziko iri. Saizvozvo, vanhu vazhinji kudzoka kwavo kwakarambwa vasina kuzivisa uye vanoona pavanotanga maitiro ekutsvaga.
Kana tiine dambudziko iri, tine mukana wekukumbira, nekuti nemutemo, Treasury inofanira kutizivisa kuti kudzoka kwedu kwakarambwa uye nei. Mune ino kesi, iwe unofanirwa kuvhura chirevo chinopesana nemari kutsanangura kuti sei kudzoka kwako kwakarambwa uye ndeapi magwaro avanoda kuongorora iyo data. Pamusoro pekukupa iwe nguva yemazuva makumi maviri ebhizinesi ekuendesa zvinyorwa.
Muchiitiko chekuti hacienda ikasapinda mari yako mukati megore razvino, muripo unofanirwa kuitwa nenzira imwe chete, zvisinei hacienda inofanira kuwedzera kune iyo mari yatotarisirwa kubhadhara 3,75% mubereko.
Maitiro ekuda kubhadharisa rendi
Hazvigoneke kutora chikumbiro chenzvimbo iyi, nekuti chikuva hachibvumidze danho iri, zvisinei kana tikakwanisa kuongorora chimiro chedu muimba uye tione kuti zvinhu zvese zvichakanaka, nekuti sekutaura kwatakaita kumusoro, dzimwe nguva Hacienda anoramba kudzoka asi hazvizivise muteresi.
Saka kuti iwe uzive kuti kuda kwako kuri kupi, isu tichaenda kukuudza iwe nezve meseji dzinogona kubuda.
Chiziviso chakamirira
Iyi sarudzo inobuda kana gwaro redu ratove papurazi, zvisinei, havasati vaongorora chikumbiro chedu.
Kuzivisa pamwe nemari iri kuitika. Tarisa huwandu.
Izvi zvinobuda kana zvikanganiso zvikaonekwa mune yedu statement statement. Kazhinji, muzviitiko izvi, kuzivisa kunofanirwa kuitwazve zvachose kana isu tichiri mukati menguva yakatarwa, bata Treasure kuti uone zviri zvikanganiso.
Rakarekodhwa kuzivisa uye kuongorora kwe data.
Izvi zvinoratidza kuti purazi iri kuongorora gwaro remari
Kuzivisa kwemari kwakagadziriswa
Mune ino kesi, zvinotiratidza kwatiri kuti kuzivisa kwakatogadziriswa uye Treasure inobvumirana nedata uye iyo mari yekudzoserwa yakumbirwa. Mune ino kesi, isu tinogona kungomirira kuti purazi ititaurire zuva ripi iro mari yedu ichaiswa muaccount.
Kudzoka kwako kwakapihwa
Mari yako yakatopihwa. Kana mukati memazuva gumi usati wagamuchira iyo mari yawaitarisira, iwe unofanirwa kuenda kuneako manejimendi nedata rekero yako yemutero; zvisinei, hazviwanzo kudikanwa sezvo purazi rakapa muripo.
Ko kana kubhadhara kwangu kusati kwasvika
Sarudzo yakanakisa ndeyekuuya kuhofisi yedu yemitero iripedyo, apo avo vane tarisiro yenzvimbo iyi vanozokwanisa kutiudza kuti chinzvimbo cheakaundi yedu ndechei kana kuti sei tisina kuwana mubhadharo uye maitiro atinofanira kuita.
Kana iyo hacienda ikakuregeredza kana kukupa yakareba, unogona kuenda se yekupedzisira sarudzo kuAEAT uye pane kuisa chikumbiro. Kugona kuzviita kuburikidza nepuratifomu, unofanirwa kunge uine siginecha yedhijitari, zvikasadaro haugone kuzviita.
Kunyangwe izvi zvisingakurumidze kubhadhara, sezvo pasina chekumhanyisa, isu tinogamuchira meseji kubva kwatiri ichatitaurira zviri kunyatsoitika nehurongwa hwedu uye kuti tichagamuchira kana kwete kubhadhara, kunyangwe kumirira end, yakafanana kune wese munhu.
Zvinotora nguva yakareba sei kuti ndizive kuti mari yemaroja inosvika nguvai? Ndine vhiki rekuti nguva yekupedzisira inofanirwa uye hapana chinokurumidza pandinoisa muhoro muakaundi yangu yebhangi, maita basa.
Mhoro Filip, ini handigone kukupa iro chairo zuva, asi kana iwe wakatumira chirevo mavhiki mashoma apfuura uye iri mari inodzoserwa isingasviki ma1500 euros, iwe unozozvifunga munguva pfupi.
Mhoroi, ndiri mutorwa, ndine muzukuru uye ndinogara nemwanasikana wangu ane makore gumi nematanhatu uye mwanakomana wangu ane makore gumi nemasere uyo, nekuda kwemamiriro akasiyana, handina kukwanisa kutora mwana wehanzvadzi yavo kubva kwavari uye izvozvi kupurazi kuri kuti ivo havana mwana wehanzvadzi kuti varege kudzoka ndoita sei?
Mhoro Rudy, kana iwe ukaisa vana vako murenti, yaunofanirwa kuita nekuti inobvisirwa mutero, ivo vanofanirwa kuve vagari veNIE kana neNif, kana ivo vari pamusoro pemakore gumi nemana ekuberekwa munofanirwa kurwisa yavo NIF kana NIE . Kana iwe wakavaisa uye ivo vasina NIE, iwe unofanirwa kuiburitsa kana kuenda kuRevenue Agency uye woita inoenderana uye uvabvise kubva pamari. Ndiyo chete nzira yekuidzorera, nekuti sezvo usina NIE haugone kuvasanganisa, kunyangwe iwe uine chisungo chekuchiisa murent. Ini ndinokuraira iwe kuti ugadzane musangano kuHaimari uye woita yekuwedzera uye edza kugadzirisa yako NIE nekukurumidza sezvazvinogona. Shuwiro yakanakisa
Zvinoenderana nechero chivakwa, asi kana chisiri kudarika ma1500 euros, hazvizotora nguva kupinda iwe, unogona kupinda peji reimba uye uone mamiriro ekudzoka kwako.
Mhoroi, ndanga ndichida kuziva kuti unoreva mutemo upi kana iwe uchiti Treasure ine mazuva makumi mana ekushanda kudzosa mari.
Ndinokutendai zvikuru.
Mhoroi Julio, hapana mutemo unoti iwo mazuva makumi mana, zvakanyanya, vanogona kukudzosera mukati megore rekarenda kusvika Zvita 40, uye kana gore rekarenda rapfuura, kufarira kunoenderana kunofanira kushandiswa. Asi kana chiri chokwadi kuti kana ukapa chirevo chekutanga, zvinofungidzirwa kuti zvadzoreredzwa mukati menguva yakareba mazuva makumi mana, tiri kutaura nezvekudzoka kwemari isingasvike mazana mashanu emadhora. Hausi mutemo, kana kukumbira, asi unowanzo dzoswa munguva pfupi.
Mhoro!! Ndinoda kuziva nguva inotora kudzoka kana mukutaurirana kwekudzoka kwangu vakandiudza kuti musi waMay 3 kuchinjirwa kwakaitwa nekudzoka kwangu kuaccount yangu yebhangi.
Zvikwereti, uye ndinokutendai zvikuru
Ehe, iyo mubvunzo inokutara muna Chivabvu 3, iwe unofanirwa kunge uinayo muaccount yako, tarisa kuti ndizvo here, nekuti chiziviso chinouya kana yako yekudzoserwa yatotumirwa kubhangi rako, uye kuendeswa kwemari kunotora zvakanyanya 3 mazuva kana ari masangano akasiyana, dai chiri chinhu chimwe chete, pazuva rimwe chete raunofanira kuva naro. Tarisa iyo account, yakakosha kwazvo, kana paita chikanganiso, iwe unofanirwa kubata Mutero Agency.
Mhoroi, ndakaenda musi waMay 11 kunoshandura mutero wangu, asi kubva nhasi, kudzoka kwavo kuchiri kuongororwa uye handikunzwisise pavakandichinjira. Inguva yakareba sei ini ndinofanira kumirira kuti mari isingasviki 500 euros idzorerwe?
Mhoro Nazareta,
Kugadzirisa kudzoka kunotora nguva yakareba, nekuti vanoramba vari kumashure kwevakaburitswa, iwe uchafanirwa kumirira iyo Mutero Agency kuti iongorore izvo zvakapihwa uye kutanga patsva. Ndinovimba vachakudzosera munguva pfupi iri kutevera, unogona kuwana pane iyo webhusaiti paunoona kuti iri kuongororwa, ichakuisira izvi zvakatarisirwa, kana kudzoserwa.
Ndinovimba vanokudzosera munguva pfupi, kukwazisa
Mhoro. Nezuro ndanga ndichiita chirevo kumahofisi emitero uye vakazvitadza. Isu tiri mhuri yakakura muhutongi huzhinji, murume wangu akatotora chirevo chake nemaeuro mazana matanhatu ekuderedzwa kwemhuri uye chikamu changu chakashaikwa, asi vakandiudza kuti handina kuzadzisa zvinodiwa kuti ndiverenge zvizere uye kuti Ini ndaigona kumupa kodzero kwaari yekuchaja ivo. Zvichida ndizvo zvavakaita, pamwe nekugadziriswa kwakaringana kweshoko ravo kuitira kuti vapinde maeuro angu mazana matanhatu. Chirevo changu chakaitwa kwandiri mumwe nemumwe, asi kana vachitarisa kumba, havana kuratidza bhokisi randinopa ivo uye vanondisiya Kuti ndidzorezve maeuro mazana mana mune yangu. Handizive kuti ndogadzirisa yangu kana yako. Ndatenda
Mhoroi, Wakatove uine mhosva yekuti mune imwechete Mutero Agency, ivo vanobatana nerubatsiro rwe1200 euros yemhuri hombe. Chekutanga pane zvese, ini ndinokuraira iwe kuti ubvunze iyo yemwedzi kubhadhara, kungave kuaccount yako kana kune iyo yemumwe wako, ndiko kuti, 100 euros pamwedzi, kana iwe ukacherekedza zvishoma asi iwe watove uchitounganidza uye unodzivirira izvi zvinhu. Kana iwe wakadaro gore rino, inotorwa kubva murenti, asi ini handinzwisise kuti nei usingakwanise kuiwana kana mumwe wako achigona. Mukupedzisa, kuti ubatsirikane nemazana maviri nemakumi mairi euros, unofanirwa kubvisa vana zana muzana, chete mumwe wako kana murume wako. Kazhinji, 1200% imwe neimwe inobviswa pamwana, kunze kwekunge mumwe wevaviri ava asiya basa achitsigira mumwe.
Chinhu chakanakisa chaungaite mune ino kesi ndechekuti vagadzirise chirevo chakakanganisa, nekuti pakupedzisira vanogona kukukumbira kuti ujekeswe pachavo. Kune rimwe divi, zuva rekudzoka rinosiyana zvakanyanya sekuchinjika, saka kutaura ... rinodzokera mumutsara. Ndinovimba kuti gore rinouya, izvi hazviitike kwauri, kwaziso
Mhoroi, kwayedza, ndanga ndichida kuziva nguva inotora kudzosera rendi yandaita musi waMay 6? Ndatenda
Mhoro Patricia, chokwadi ndechekuti hapana zuva chairo, vane kusvika munaZvita 31 asi kana chirevo chako chakavakirwa pamari yemari yemutero, kana iwe ukasimbisa kunyorwa, zvinogona kutora vhiki kusvika mazuva makumi mana. Kana iwe uine yekutengesa kana inosanganisira yekunyima iyo isingazivikanwe kune mutero agency, vanowanzo tora nguva yakati rebei. Semuenzaniso, zvakanditora pachezvangu mazuva masere.
Mhoroi, ndakagamuchira gwaro musi wa5 / 5/17 uye rinoti; kudzoka kwako kuri kugadziriswa, kana uchida, unogona kutarisa zvaunobhadharisa kuburikidza ne …… zvakajairika here?
Mhoro Cristina, iwe uri mukati menguva yakatarwa, kana waita chero kutengesa kwemari midziyo senge mari, masheya kana zvivakwa, zvinowanzotora nguva yakati rebei. Kuzivisa kwekuti ivo vanodzoka kutanga ndevaya vangango simbisa ruzivo rwemutero weHaimari kana iyo webhu mari.
Ndinovimba vanokudzosera munguva pfupi, ramba uchitarisa mamiriro ako uye chero mibvunzo pano isu tiri.
Mhoroi, musi wa12 ndakaita chirevo kuhofisi ye la caixa uye yakabuda kudzosa maeuro mazana masere, vakandiudza kuti mumazuva gumi vakabhadhara kwandiri, kubva nhasi havasati vandibhadhara ...
Mhoroi, mubvunzo wangu wakati omei kana kuti ndinofunga. Kubva 2009 ndataura chirevo kuBizkaia hacienda nezvikonzero zvebasa, asi kubvira kupera kwa2015 ndakagara kuMalaga saka gore rino ndaifanira kuzviitira kuhomwe yenyika, ndinozvipa musi wa18 uye handina iyo muaccount yangu zvakadaro, zvakajairika? Mari yekudzoka? inodarika 2000 euros. Kutenda mberi
Mhoroi, ndinoda kuziva kuti ndakazivisa musi waMay 24 uye havana kundidzosera. Hapana, I.salio kudzosa 1.400 asi ichiri kuti iri kugadziriswa
Inguva yakadii yandinofanira kumirira?
Ndakaita chirevo musi wa26 Chivabvu muhofisi yakapihwa mvumo, rubatsiro chete rwakapihwa neCity Council kumhuri dzine mari shoma dzakachinjwa uye nanhasi, unova unenge mwedzi, chinzvimbo changu chiri kuramba chiri "chirevo chako chiri zvakagadziriswa. " Zvakajairika?
Manheru akanaka,
Kudzoka kwangu kwakaiswa muna Kubvumbi uye haasati adzoserwa kwandiri. Mari yacho i1.600 Euro, zvakajairika here?
Mhoroi, musi wa26 Chikumi ndataura chirevo.kusvika nhasi, handisati ndagamuchirwa, zviri normal here
Ndakataura chirevo ichi Chivabvu 5 uye musi wa7 chaive chichivhenekerwa uye nhasi zvese zvakafanana. Izvi zvakajairika.
Mhoroi, mubvunzo, ndakapa chirevo changu chemari pazuva rechina asi ndaive ndakanganisa, pachinzvimbo ndakaisa kuti ndakanga ndagamuchira mari yemhuri hombe iyo yandakanga ndisati ndagamuchira, ndakaigadzirisa uye ndakakanganisa zvakare nekuti ndaisa iyo yandaiva nayo ndakashanda mwedzi wandaive ndisina ndakasvika pamutengo wakaderera uye ndakasvika kuhofisi yangu uye akandiudza kuti nditumire inoenderana uye pakupedzisira zvakandiitira zvakanaka, zvinobuda kudzosa 4 euros uye anondiudza kuti chirevo changu chakamirira , zvinogona kutora nguva yakareba sei?