Chii chinonzi TIN kana Chizita Chidhara Chekuda

TIN kana zita rezita reChido

Kunyangwe mune mari, zvikwereti, kana mari; mune ruzivo rwakanangana nechero yeaya marudzi ezvigadzirwa, kana kana isu tichiedza kuzviwana nekuvashandira, data rakakosha uye mazita emazita akadai seTIN anofanirwa kutarisirwa.

Chimwe chezvinhu zvakakosha kwazvo zvekutarisa kana chikwereti chikumbirwa chichava chimbadzo chayo. Pane dzakawanda nguva zvisinei zvinogona kuvhiringidza.

Pane mifungo ine chekuita nenyaya yakamira, iyi yatakataura tikabata kunyanya muchinyorwa chino, iyo TIN (zita rezita rezita), iyo APR (Yegore Yakaenzana Rate), pakati pevamwe.

Ngatione kuti chii TIN, kutsanangura uye kuenda muzvinhu zvinoenderana nerudzi urwu rwechiyero chemari.

Chimbadzo

Chaizvoizvo chimbadzo Uchave iwo mutengo uyo uchave nemari mune yakapihwa nguva yenguva mumusika wezvemari, izvi mune yekudyara kana kiredhiti. 

TIN

Mune mamwe mazwi, chiyero chemubereko, chinozivikanwawo sechibereko, chichava mubhadharo uchaitwa nemunhu ane chikwereti kumukweretesi pamusoro pemari inogamuchirwa muchikamu chakapihwa chenguva, yekushandisa mari panguva iyoyo.

Sechakanaka kana sevhisi ichave nemutengo unofanirwa kubhadharwa kuti uwane, mari ichaita nenzira imwecheteyo. Kushandiswa kwaro kuchave nemutengo wakati, unozoyerwa seperesenti yemukuru, uye inowanzooneswa pagore uye nepesenti mazwi

Iyo dzimwe nguva inonzi munyika yemari "mutengo wemari."

Iyo mubereko ichave ichitsiva muridzi weguta guru, iyo purofiti iyo yaanga achiwana mune imwe mhando yekudyara, uye izvo zvaasina kuwana nekukweretesa kana kuisa mune imwe kutaurirana.

Mari yekufarira inogona kuve neyakajeka periodicity mitengo, inova iyo nguva yekuti chimbadzo chigadziriswe sezvatafunga. Kana iri yegore rega rega: ichagadziriswa kamwe chete pagore. Semiannual: Kugara kaviri mugore rimwe; uye nenzira iyi muzviitiko zvakasiyana.

Pane imwe nhanho yemunhu, chiyero chemubereko chiri kuratidzirwa seperesenti chinomiririra chiyero pakati penjodzi nekuwana kwekushandisa mari yemari mune yakatarwa nguva nenguva.

Zviri sekutaura kwatakaita mune imwe pfungwa "mutengo wemari", uyo unofanirwa kubhadharwa kana kubhadhariswa kuti wakakweretwa kana kukweretwa.

Mari yemubereko inoenderana ne "mutemo wekugovera uye wekuda". Mune mamwe mazwi, iri kuiswa nemusika. Naizvozvo, kudzikisa mwero wemubereko, kwakanyanya kudiwa kwemari zviwanikwa, uye kana iri pamusoro, kudzikisa kudiwa kweizvi zviwanikwa.

Zita rezita rehuwandu (TIN) Chii icho?

TIN kana zita rezita reChido

 Iyo yemazita emari yemutero (TIN) ndiyo muzana ichawedzerwa kuguta rakapihwa semubhadharo pane imwe nguva.

Iyo TIN haizove iri kufunga nezve mamwe marudzi emashandisirwo ekushandisa akadai se: notarial magwaro, makomisheni kana zvinongedzo izvo izvo zvigadzirwa zvinogona kuve nazvo, nezvimwe. Zvichava mune dzidziso, iyo muzana iyo iyo bhangi kana kambani yemari iri kutaurwa ichave iri kuwana.

Ndiro purofiti inowanikwa mukushanda kwemari, uchifunga chete iro guru guru, ndiko kuti, rinowanikwa nenzira yakapusa.

Kune capitalization yakapusa nekuti chimbadzo chakabhadhariswa chigadzirwa hachizogadzirwazve. Hazvina kudaro mukomboni capitalization panowanikwa mubereko zvakare

Mune mubatanidzwa wemubatanidzwa, semuenzaniso, kana mwedzi wekutanga € 100 yekufarira ukawanikwa, inowedzerwazve, kwete neyakareruka mhindu, uko kufarira kunoenda zvakananga kuaccount.

Kana isu tiine iyo yegore TIN, nekungopatsanura iyo nenhamba yekubhadhara, isu tigoziva iyo kufarira yatichange tichibhadharisa mune yega yega yenguva.

Izvo zvakakosha kuti uzive kuti kana uchishanda pamwe nemazita echikwereti, "nguva yenguva" inofanirwa kutariswa nenzira yakasarudzika.

Iyo TIN haina yakajairwa mareferenzi nguva; Zvinogona kunge eg mazuva ese, vhiki nevhiki, makota, semi-gore, pagore. Nekuda kwekuti haina kusanganisira mari, zvinoita kuti zvisakwanise kukudziridza fananidzo yezvakagadzirwa zvemhando imwe chete.

Nekuda kweizvi, iyo APR (Yegore Yakaenzana Rate) inomuka, iyo inorerutsa dambudziko iri nekutora gore sehwaro uye inobvumidza kuenzanisa zvigadzirwa zvemhando yakafanana.. Gare gare muchinyorwa chino, nekuda kwekukosha kwazvo, tichaona mutsauko uripo pakati peTAE neTIN.

Iyo Yekuremekedza Chidimbu Chekuda ichave ichitaura mune zvakakomba mazwi, unova mutsauko mukuru neAPR. Zviratidzo zviviri izvi zvinotenderwa zvakazvimiririra nechimwe nechimwe chikamu, uye kukosha kwazvo kuchabatanidzwa zvakaenzana nehupfumi hwekutenderera pamwe nezviratidzo zvekuratidzira seEuribor kana Libor.

Nzira yekuziva sei neTIN mari yakawanda sei ichabhadharwa?

Nekuwedzeredza iro capital neTIN inopihwa nesangano rezvemari, zvinokwanisika kuziva kuti yakawanda sei mari inozoguma yabhadharwa. Nenzira iyi zvinokwanisika kuti uone kana uri kutarisana nechikwereti chakachipa kana chinodhura.

Semuenzaniso: Chikwereti che € 2.000 chinokumbirwa kwegore uko TIN yegore iri 8.5%.

Mune ino kesi kuchave ne € 170 mukufarira zvine chekuita neIN.

Kusiyana kweTIN

Iyo TIN inogona kusiyanisa kubva kubhangi kuenda kubhangi, asi ichine misiyano mutsamba nemhando yechikwereti, zvakafanana kubva kumatare kuenda kumatare.

Chikamu chega chega mumamiriro akasiyana, chinotora nzira mune izvi pachiri mukati memutemo miganho kwachinoshanda.

Chinhu chimwe chete ichocho chinogona kunge chichibhadharisa zvakawanda kune mumwe munhu kupfuura mumwe pachikwereti chemamiriro akafanana. Zvinogona kunge kuti mumwe wavo anga achinyanya kukanganisika nekuda kwehunhu hwakadai se: mari shoma, zvikwereti zvakawedzerwa, kushomeka kwechibvumirano, nezvimwe.

Sezvatatsanangura kare, zvinokwanisika kuve nemazita emari yekuda mubhadharo mumhando dzakasiyana. Inogona kunge iri yegore, yemwedzi, kana neimwe nzira. Paunenge uchisarudza chikwereti, iwe uchafanirwa kutarisisa kune ichi chikamu.

Kune chikwereti che1.000 euros, kana iwe uine gore rega TIN ye6%, iwe pakupedzisira uchafanirwa kubhadhara makumi makumi matanhatu emamiriyoni muchimbadzo. Asi dai iyo TIN yaive yemazuva ese, kune imwecheteyo 60%, ivo vaizopedzisira vave kubhadhara 6 euros.

Icho zvirokwazvo muenzaniso wekuwedzeredza, asi unopa muenzaniso wekuti mutsauko ungave wakakosha sei kana iyo TIN fomati yashanduka.

Munyika dzakaita seSpain kune zvirevo zvakaomarara pane izvi, asi kune mamwe marudzi ivo vanonyanya kuchinjika uye kutarisirwa kunofanirwa kubhadharwa.

TIN uye APR - Misiyano

Zita Rekuda Mutengo

Ngatitsanangurei mazwi ese ari maviri zvine mutsindo kuitira kuti tigone kuasiyanisa.

  • TIN (Zita Rekuda Mutengo): Izvo hazvizove zvinosanganisira zvemari mari, makomisheni nezvimwe, pasina kuve neyakaenzana mareferenzi nguva. Izvo zvinowirirana neAPR chete kana zvido zviri kubhadharwa kumagumo uye munguva yakafanana yenguva.

Zvigadzirwa zvechisikigo zvakafanana zvinogona kusakwanisika kuenzanisa.

  • APR (Yegore Yakaenzana Rate): Iyo yekuyera chiyero ichave iri gore. Inoita kuti zvive nyore kuenzanisa zvigadzirwa zvemhando yakafanana.

Nekusiyanisa mazwi ese ari maviri, tinogona kupedzisa nekuwedzera mamwe mazano, ngatitaurei mamwe.

  • Kana tichitaura nezveTIN tinotaura nezvezita rezvibereko, uko mari dzese uye makomisheni anogona kunge achienderana nechikwereti asina kutariswa. Izvi zvinoshandiswa zvichabatanidzwa mumutengo unoshanda wechikwereti, APR yako.
  • Iyo TIN chiratidzo chinokwanisa kuzivisa, asi izvo hazvisi kuzoshanda mune iyi pfungwa nenzira inopfuura kune mutengi.. Dhata inosanganisirwa muAPR; zvakadai se: nguva dzakatarwa, makomisheni, nezvimwe. Ivo vanogona kunge vachipa chinojekesa chiratidzo chekuti imarii yekudyara ichave ichipa kana kuti imarii yechikwereti ichave ichidhura.
  • Mukukwereta kwega, mutsauko uchifunga chikamu chiri pakati peTIN neAPR, chinowanzove chakakura kudarika muzvikwereti zvemamogeji.
  • Kungoziva iyo TIN, iwe haugone kuziva kuti imarii yechikwereti ichave ichidhura. Izvo hazvizove kufunga nezve account makomisheni, kana zvimwe zvinoshandiswa nemushandisi zvaachafanira kubhadhara.
  • Iine imwechete TIN, huwandu hwekufarira huchave hwakasiyana kana kubhadhara kwacho kuchienderera pamwedzi, zvichienzaniswa nemari imwechete yegore semuenzaniso.

Tinogona kupedzisa mune iyi pfungwa kuti iyo TIN inogona kuve inodzidzisa asi yakanyanya mashoma chiratidzo.

Iyo APR (Yegore Yakaenzana Rate), ndeimwe dhata ine chinangwa chekuyera kuenzanisa mutengo wechikwereti, nekuti ichave ichiyera mutengo unoshanda weiyo imwe nguva mune rimwe gore, tichifunga nezve makomisheni uye mari inoshandiswa nemutengi uye kuwanda kwekubhadhara.

Kune mhando dzakasiyana dzezvibereko. Zvakawanda zvakakosha zvehupfumi mamiriro zvichave kugadzirisa mamiriro pakati pazvo. Isu tataura zvakasarudzika mune ino chinyorwa kune TIN.

Pakutanga kwekutanga, izvi zvipenga zvehunyanzvi zvinogona kuita kunge zvisina basa kana kukosha, uye ichokwadi kuti pazviitiko zvakawanda mamwe emari masangano akawana mukana wekusaziva kwevanhu izvi.

Izvo zvinofanirwa kuziviswa kuti kuti uve smart smart kana vashambadzi, zvichave zvakafanira kuti unzwisise zvekutanga uye kwete zvakapusa zvinhu muzvinhu zvakawanda, zvichireva izvi zvinhu.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
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