Mubairo kana muhoro chikamu icho icho kambani inobhadhara mushandi pakupera kwemwedzi webasa rakaitwa. Kune mhando mbiri dzemubhadharo, hwakazara uye mambure. Muchokwadi, patinotaura nezve net mubhadharo, isu tinoreva chikamu chemvura chinogashirwa nemushandi pakupera kwemwedzi. Nekudaro, iyi mari ndidzo mhedzisiro yemubhadharo wakakomba mushure mekubvisa imwe mari Neichi chikonzero, muchokwadi, chikamu icho icho kambani chinobhadhara chakakura kupfuura icho chemubhadharo wemambure.
Vanhu vazhinji vanobvunza makambani kana vanhu vega "Ndeupi muhoro wako?" Kana "Unobhadhara zvakadii?", Kana chokwadi mubvunzo wacho usina kukodzera. Kune avo vanozokuudza muhoro wakakura kana muhoro wemambure uye vamwe vanozobvunza, "Unoreva muhoro wakakura here kana muhoro wemambure?" Chikamu icho semushandi chauchazopedzisira wagamuchira uye nacho unozotarisana nemari yako mwedzi wega ndeicho chemubhadharo wemambure. Nechikonzero ichi, tichaenda tichinyatso tarisa kuti inowanikwa sei, mari dzinobviswa, uye pamwe kukubatsira kuti utaure nezvekuwedzera kwemubhadharo.
Musiyano uripo pakati peneti muhoro uye wakakura muhoro
Iyo muhoro muhomwe ndiyo huwandu hwakazara uhwo mushandi anogamuchira kubva kukambani mune pfungwa yemasevhisi akaitwa. Hapana chibatiso chisati chashandiswa kune uyu muhoro. Pamusoro pezvo, muhoro wakakura unosanganisira zvese zvinobhadharwa nekambani kunze kwemubhadharo wepasi, ndiko kuti, kana paine nguva yakawandisa, makomisheni, zvinowedzerwa zvemubhadharo, mari yekuwedzera, etc. Pfungwa dzisiri-dzemubhadharo dzinowedzerwawo kumubhadharo wakakura, sekunge paine mapoinzi, mabhonasi ekufambisa, muripo, mabhenefiti, nezvimwe.
Pakupedzisira muhoro wakakura ndewe vanobvisa (vanochengeta) zvipo zvekuchengetedzeka munharaunda uye mutero wemunhu wega, uye mhedzisiro mubhadharo wemambure Iko hakuna imwe chete mhando yekubvisa, uye inosiyana zvichienderana nechibvumirano chimwe nechimwe, mhando yebasa (kana iri yenguva pfupi kana yechigarire), huwandu hwemari inotambirwa, pamwe nemamiriro ezvinhu emunhu mumwe nemumwe (kana vakaroora kana vane vana ). Iko mune izvo zviitiko apo kurambidzwa chaiko kusingaenzaniswi uko pakuita chirevo chemari inogona kunge kana kusatifarira.
Mutero wemunhu wega pamari uye mubhadharo
Sezvatakatsanangura kare, kumwe kubvisirwa kunoshandiswa kuGross Salary uye nekudaro tinosvika kuNet Salary. Imwe yacho ndeye mutero wemunhu wega, "wega wega mutero wemutero." Mutero wemunhu wega mumubhadharo kufambira mberi pane zvatichazofanira kubhadhara kuHaimari kana tichiita chiziviso. Panyaya yekubhadhara zvishoma, ichave "kubhadhara", uye kana tabhadhara yakawanda mubhadharo yedu, inozo "kudzoserwa".
Pakubhadhara Treasure, matafura anoshandiswa nezvikamu zvezvatinofanira kubhadhara. Chirevo ichi chinosanganisira mari yese inogamuchirwa, kwete basa chete. Iyi muzana yatinozofanira kubhadhara se Mutero wemunhu wega unoshanda nezvikamu, kureva kuti, iyo pesenti haisi pane yakagamuchirwa, asi zvinoenderana nemari yekupedzisira chikamu chakasiyana zvichienderana nemari yaunowana. Kuti unzwisise zvirinani kuti muhoro wemambure unowanikwa sei, tiri kuenda kuzoona akasiyana zvikamu muzvikamu zviripo.
Izvo zvikamu zvakasiyana zvemutero wemunhu mari
- Kubva € 0 kusvika € 12.450: Iyo 19%. Kana iwo muhoro wepagore usingapfuure € 12.450, iyo wega mari yemutero inobhadharwa ichave iri 19% yemari yese yawakawana. Ndokunge, kana € 10.500 yakundwa, € 1.995 ichabhadharwa.
- Kubva € 12.450 kusvika € 20.200: 24th%. Muchiitiko ichi, yekutanga € 12.450 ichabhadharwa pa19%, inova € 2.365,50 uye imwe yese pa24%. Kana munhu wacho aive awana € 18.450, ivo vanofanirwa kubhadhara 24% yeakawandisa e € 12.450, mune iyi € 6.000. Pakazara, zvingave € 2.365 (kubva muchikamu chekutanga) uye € 50 kubva muchikamu chechipiri, yakazara € 1.440.
- Kubva € 20.200 kusvika € 35.200: Iyo 30th%. Sezvakaitika mune yapfuura nyaya, iyo yekutanga tranche yaizoenda ku19%, ndokuzosvika ku24%, uye iyo yakasara ye20.200 kusvika 30%.
- Kubva € 35.200 kusvika € 60.000: 37%. Zvichiteedzana fomati yapfuura inodzokororwa, yeiyi kesi uye inotevera.
- Kubva € 60.000 kusvika € 300.000: 45%. Kusvikira nguva pfupi yadarika, zvese zvakapfuura € 60.000 zvakabhadharwa pa45%. Zvisinei, nemabhajeti matsva e2021 akaitwa neHurumende yazvino muSpain, chikamu chitsva chinotarisirwa kubvumidzwa.
- € 300.000 kana kupfuura: 47%. Ichi chikamu chitsva chichava chitsva chaizopinda kwegore rinotevera 2021 umo kubva pa € 300.000 mutero waizowedzerwa nezvikamu zviviri muzana.
Kubhadhara kuSocial Security
Iyo pesenti yakabhadharwa kuSocial Security, kune rimwe divi, haina hanya nezinga remari kana mamiriro emunhu. Inobhadharwa nekambani pamwe nemushandi. Iyo kambani ndiyo inopa mubhadharo mukurusa (kazhinji 30% kusvika 40% yemubhadharo wakakomba unobhadharwa kumushandi). Mushandi pamubhadharo wake zvaachawana ndeizvo kuchengetwa kunowanzo kuve pakati pe6% uye 7%. Pfungwa dzauri kuzotora uye nekudaro uri kuzochengeterwa zvinotevera.
- Kushaya basa: 1%.
- Zvakajairika zvinoitika: 4%.
- Kudzidziswa kwehunyanzvi: 0%.
- Yekuwedzera mupiro wenguva yekuwedzera: 2%.
- Zororo reawa yekuwedzera: 4%.
Iyo yekuwedzera kubhadhara muNet Salary
Iyo yekuwedzera kubhadhara pane zvinopesana nemubhadharo wemwedzi, vanoregererwa kubhadhara Social Security. Neichi chikonzero, ivo havasunungurwe kubhadhara wega wega mutero wemari, sezvo iri chikamu chemari inowanikwa mukati megore rose. Saka wega mutero wemari inotorwa kubva kwavari, zvichisiya muhoro wemambure semhedzisiro. Rangarira kuti mukubhadharwa kwemutero wemunhu wega, mari yese inogamuchirwa mukati megore inozotarisirwa, kwete chete iyo inogamuchirwa semubhadharo. Aya mabhonasi chikamu chemubhadharo wemushandi uye akaendeswa mberi. Pamusoro pezvo, idzi mari dzinowanzo gamuchirwa nemunhu wese sezvo dzichienderana nenguva apo mari yepamusoro inowanzo sangana. kazhinji kazhinji panowanikwa 2, waZvita weKisimusi newaJune mumwe wezororo rezhizha.
Chinhu chekuchengeta mupfungwa ndechekuti mari dzekuwedzera hadzisi chisungo chekambani, uye yega yega inotevera maitiro ayo. Mamwe makambani ane mari yekuwedzera yakawanda, senge 3 pagore, uye vamwe, kune rimwe divi, chete 1 kana kunyangwe mamwe makesi vasina kubhadhara. Zvese zvinoenderanawo nemamiriro ezvinhu awakashandira.