Unoziva here kuti wega mutero wemari? Isu tese, pakadzika kana padiki pakadzika, tinoziva kuti iwo mutero, kuti unoshandiswa kune vamwe vanhu, uye kuti unoenderera mberi… uye isu tinowanzozvibatanidza neavo vanozvishandira.
Asi, Iwe unoziva here izvo zvikamu zvemutero wemari? Kana iwe usingazive, ramba uchiverenga, tinokutsanangurira iwe pamwe nedzimwe pfungwa dzakabatana dzaunofanirwa kuziva senge yako wega mutero wematafura, uyo anosungirwa kubhadhara iyo Yega Inowanikwa Mutero.
Izvo zvikamu zvemutero wemunhu mari
Iwo emitero emitero ane tafura yemari, kuitira kuti, zvichienderana neizvi, avo vanopinda kana kuwana mari yakawanda, mutero wakakwira, uye kune avo vanobhadhara zvishoma, mutero wakaderera.
Chinangwa che Mibairo yemitero ndeyekuenzana kwemutero.
Mutero wemunhu wega, yeuka, ndeweMunhu Mutero Mutero, uye unobhadharwa kuburikidza nekubvisirwa, ndiko kuti, inobhadharwa pamberi pegore roga roga. Pakupera kwegore rekarenda, pachienzanisirwa pakati peizvo munhu anozvishandira aifanira kunge akabhadhara, zvichipesana nezvavakabhadhara chaizvo, kuti vazive kana munhu anozvishandira anofanira kubhadhara zvakanyanya, kana hurumende inofanirwa kudzosa izvo vakabhadhara zvakawanda.
Izvo zvinodzorwa zvinoitwa kuburikidza nema invoice uye Mutero Agency inoenderana navo kuti vafungidzire zvingangowanikwa mibairo yemunhu anozvishandira.
Matafura Emitero
Pamberi pechinhu chero chipi zvacho isu tinofanirwa kusimbisa inozivikanwa tafura yemitero yemitero. Iyi tafura yanga iri pasi pehuwandu hwenhamba pane imwe neimwe shanduko yedare reparamende, ichigara ichiishandisa sechombo chesarudzo pakati pehurumende neimwe.
Yekupedzisira yaive kufambira mberi kwekudzikiswa kwemitero kwakatenderwa nehurumende iripo muhofisi, pakati pegore razvino, zvichikonzera nyonganiso, kunyanya mumaSME madiki, ayo asina nyanzvi yekuverenga.
Iyi tafura yemutero yemunhu yakatanga kushanda muna Chikunguru 2015, uye inoramba isina kugadzikana panzira yazvino, ichimirira shanduko dzinogona kuitika dzekosi ya2017.
| hwaro | State muzana | Autonomous muzana | muunganidzwa |
| Kusvika ku € 12.450 | 9,50 | 9,50 | 19 |
| Kusvika ku € 20.500 | 12 | 12 | 24 |
| Kusvika ku € 35.200 | 15 | 15 | 30 |
| Kusvika ku € 60.000 | 18,50 | 18,50 | 37 |
| € 60.000 zvichienda mberi | 22,50 | 22,50 | 45 |
Iyo tafura inowanikwa pane yepamutemo webhusaiti yeiyo Mutero Agency pamwe nedunhu nedunhu ruzivo uye zvavo zvingangodaro zvakasiyana maererano nemubhadhari wega wega.
Kana pasina shanduko munguva pfupi, iyi ndiyo yako wega yemutero tafura iwe yaunofanirwa kuchengeta mundangariro. Kana iwe ukapfuura huwandu, uye woenda kunotevera bracket yemutero, zvinogona kureva kuwedzera kusvika kumazana masere ezana muzana mune zvauchazobhadhara ku Treasure gore rega.
Ndiani anobhadhara wega wega mutero wemari
Zvakanaka, isu tatoziva kuti iwe unobhadhara zvakadii zvichibva pamari yaunowana, asi ...uyo anobhadhara wega mari yemutero?
Isu tinowanzo kukanganisa, uye kufunga kuti vanhu chete vanoshanda paakaundi yavo ndivo vanobvisirwa mutero wemari yemunhu, asi zvakaipa: inobhadharwa nevanhu vese venyama, vanoshanda vega kana vemumwe munhu.
Pfungwa, isu tese tinofanirwa kuzivisa wega mutero wemari.
Chinyorwa 8 chePamutemo Inowanikwa Mutero Mutemo unoraira: ivo vanobhadhara mutero weMutero Mutero, ese "Vanhu vakagara zvavo mudunhu reSpain", vese "vanhu chaivo vaive nedzimba dzekugara kunze kwenyika nekuda kwemamwe mamiriro ezvinhu akapihwa muchinyorwa 10 chemutemo uyu".
Nekudaro, maererano nemutemo, munhu wese, vanotora mari pamudyandigere, vashandi, vanozvishandira, chero munhu anowana imwe mhando yemari kana purofiti, anofanira kubhadhara mitero kune izvi zvakatemerwa uye, chokwadika, kuita chirevo chemari gore rega.
Kunyangwe ichifanira kujekeswa, kuti sezvataona, zvinoenderana nemari inowanikwa, yakawanda kana shoma muzana yemutero wemari ichabhadharwa, uye zvinoenderana neimwe mari, ivo havatozobhadhara mutero, nekuda kwezvakanaka balance, kana nekuti mari yavanowana ishoma, senge, semuenzaniso, munhu asingashande kwegore rese razvino.
Kunyangwe hongu, pane kujekeswa.
Ndivanaani vanosungirwa uye kusunungurwa kuzivisa yavo wega mutero wemari?
Izvi zvinogona kukuvhiringidza iwe, asi pane zvisizvo kumutemo, kana kuti, mamiriro, kune vamwe vanhu kwete vane chisungo chekupa yavo yemubhadharo mutero kudzoka.
Kutanga, ngatitaurei nezvevanhu vane mari kubva kubasa, muhoro, muhoro kana mapenjeni avakagamuchira mukati megore rekarenda. Ivo vasingasvike aya mamiriro havafanirwe kuzivisa:
- Wakave nemari ye € 22.000
- Ivo vane mari ye € 12.000, kubva kune vanopfuura mumwe mubhadharo, vanogashira inokwana 1.500 kubva kune wechipiri.
- Mari ye € 12.000 mune vevane pension vanowana chete mari iri muchinyorwa 17.2 chePamutemo Mari Yemubhadharo, nevaviri kana vanopfuura vanobhadhara.
- € 12.000 mari yekubhadhara mapensheni
- Mari ye € 12.000 kana mubhadharo asingamanikidzwe kuramba chero
- Mari ye € 12.000 kana mari izere kubva kubasa inogamuchirwa
Kunyangwe vanhu ivavo vanogona tumira zvirevo zvako, kazhinji ichabuda, mune yakanakisa kesi, kudzoka. Kana, semuenzaniso, iwe uri munhu akaunganidza kusashanda mukati megore rose, usina kushanda chero nguva, unogona kufaira kudzoka kwako, asi kazhinji mhedzisiro yacho zero.
Panyaya yeavo vanozvishandira, hapana ruponeso: vese vanozvishandira vanezvisungo zvekuratidzira kudzoka kwavo, kunyangwe kana vangogadzira mari ye € 600. Mari haina basa.
Kana iwe wakambove, sewe freelancer, hushoma mari, uye zvinoenderana nezviitiko zvawakanyoreswa, iwe unofanirwa kuita zvaunotorerwa zviripo pamainvoice, uye kuzivisa nemutero wemari pa19%, kunze kwekunge Nharaunda yako yaderedza imwe muzana nongedzo Autonomous IRPF chikamu, nekuti Nharaunda yega yega inogona kuzviita muchikamu chepesenti chinoenderana nacho.
IPRF inodzivisa muna 2017
Una mutero wemunhu wega mari, kuwedzera kune kuenzana nemari inowanikwa, ndeyekuti inobhadharwa pamberi.
Kune avo vanozvishandira, muzana inobviswa, zvinoenderana nemari uye bazi, mu fomu yekubhadhara yemutero wemunhu mari pamberi.
Ivo vanozvishandira vanofanirwa kubvisa muzana kubva kune yega invoice inobhadhariswa zvichibva pamutero wemunhu, pamwe neVAT Eheka.
Pakupera kwegore rekarenda, kuverenga kwakavharwa, uyezve, iyo Mutero Wenzvimbo, inoita muyero pakati pemutero chaiwo wemari unoburitswa neiyo yakabhadharwa.
Kana munhu anozvishandira, kana mushandi, achibhadhara mutero wemunhu oga kupfuura mugove wake, Mutero Wemitero unomudzosera kwaari, kana akabhadhara zvishoma, anofanira kubhadhara, sekuziva kwedu tese.
Mitero yemitero inobvisirwa inopindwa riini?
Nepo munhu anoshandira aine zviri nyore kwazvo, nekuti iye mushandirwi anoita kuti mutero wemubhadharo wake ubatwe, Iye munhu anozvishandira anofanirwa kuita manejimendi ega ega, pamwe neyakakurumbira uye ingangoita yekusungirwa rubatsiro rwehunyanzvi mumunda, hongu.
Kazhinji, kurambidzwa kwacho kunopinda muRisheni Mutero pamakota matatu, kuburikidza neyakakurumbira modhi 111, kana 115 kana iri yekubhadhara.
Kana iye munhu anozvishandira aine rombo rakanaka (rakanaka kana rakaipa, zvinoenderana nemunhu wega wega) kuti ubhadhare nekuda kwemutero wako wega, unofanira kuzviita nefomu 130.
Mazuva egore rino aive:
- Chekutanga chikamu: Kubvumbi 20
- Chechipiri Chikunguru 20
- Chikamu chechitatu: Gumiguru 20
- Chechina kota: Ndira 20, 2017
Mashandiro anoita IRPF mashandiro muna2017
Chekupedzisira, isu tinosiya nyaya inogadzira nyonganiso yakawanda, kana kuti vanhu vanowanzo dudzira zvisizvo.
Tinowanzofunga izvozvo zvikamu zvemutero wemunhu mari zvinoshandiswa zvakaomarara, yakatarwa, pamutengo uzere unoburitswa nevanozvishandira kana vanozvishandira.
Ndokunge, kana munhu akagadzira € 30.000 mugore, anobva abhadhara 24% yemutero wemunhu mari pa € 30.000. Uye hazvisi izvo zvakapusa. Nei isingashande seizvi? Zvingave zvakaoma kutsanangura, asi ngatiedzei.
Iwe unofanirwa kurangarira kuti wega wega mutero wemari wakafanana nemanera, matanho akawandisa iwe aunokwira kumusoro, mutero unowedzera iwe kukwira
Kana tikashandisa chikamu pamhedzisiro yekupedzisira yemari inowanikwa pagore, tingave tichipeta, uye tichitopeta nekaviri mari yemunhu iyeye, tichiwedzera mari inobhadharwa kusvika pamwero mukuru.
Izvo zvikamu zvinoshanda munzira mbiri, semari inokwira, saizvozvowo mutero yemutero wemunhu wega.
Zvirinani ngationei muenzaniso: Ngatifungei kuti munhu akagadzira mari ye € 40.000 mugore rekarenda. Ehe, iye munhu asina matambudziko emari.
Munhu iyeye achabhadhara sei mutero wemari?
- Yekutanga € 12.450, iwe uchabhadhara 19%, ndiko kuti,
- Kusvika ku € 20.200, 24%
- Kusvika ku 35.200, 30%
- Kusvika ku 40.000, 37%
Mune mamwe mazwi:
- Yechikamu chekutanga (€ 12.450): € 2.365
- Yechikamu chechipiri (€ 7.750): € 1.860
- Kwechikamu chechitatu (€ 15.000): € 4.500
- Kwechikamu chechina (€ 4.800): € 1.440
Pakazara, munhu uyu anogadzira mutero wemari we: € 10.165
Ndokunge, iwe unobhadhara mari yakaunganidzwa mune yega yeiyo zvikamu zvemutero wemunhu wega gore rese, uye paunenge uchikwira kana kukwira chikamu chemutero wemari yako, iwe uchabhadhara chikamu chakatarisana nechikamu ichocho.
Rangarira kuti sezvaunobhadhara pamberi, iwe unokwira masitepisi, haiverengwe maererano nemambure kana zvakakomba zvakaunganidzwa gore rega, asi nekota.
Zvinodhura here? Pamwe, asi izvozvo zvinovimbisa kuti munhu anogadzira mari yechibatiso, anobhadhara chete zvinoenderana nezana iro, uye kana zvikakwira, semuenzaniso, ne € 100 chete, kuwedzera kusvika pamapoinzi masere hakuitwe kune ako ese mari inogadzirwa.
Semuenzaniso: kana iwe wagadzira € 12.600 mari, apo iyo 19% tranche iri € 12.450, iwe ungavade here kuti vashandise iyo chikamu chechikamu chechipiri, ndokuti, 24%, uye kwete 19% kumari yako yese? Kana chete kumari inogadzirwa mumaroja echikamu ichocho?
Isu tinoziva kuti iwe unosarudza wechipiri, uye Mutero Agency zvakare. Ndokusaka zvikamu zvemutero wemunhu mari zvichishanda seizvi: kuenzana uye kufambira mberi ndiyo kiyi yemitero yemitero.
Sei mumuenzaniso iwe waunopa kumubhadharo we makumi mana ezviuru unoenderana negumi nemazana zana nemakumi matanhatu nemana, asi mutafura mamaki anonyima 40.000 kumubhadharo mumwe chete?
Mhoro Diego,
Muenzaniso uyu unorega kupararira pakati pa2015 na2016. Kune vaverengi kuti vaone mutsauko wegore. Uye muenzaniso ndewe 2017. Ichowo fungidziro, nekuti izvo izvo mubhadhari wemitero zvaanofanira kubhadhara zvinoenderana nekuve asina kuroora, kuve nemabasa emhuri, mipiro, zvipo, nezvimwe ... zvidimbu zva2017 zvinoshanda kune izvi.
Ini ndinonzwa kukanganiswa kwemufananidzo. Shuwiro yakanakisa
Manheru akanaka, ndatenda zvikuru nechinyorwa! Ikoko kunoenda mubvunzo wangu,
Ndave ndakazvimiririra kwegore nehafu uye ini ndine makore makumi maviri nemashanu. Ndokunge, ini ndinobhadhara iyo yakadzikiswa fizi (parizvino 25) uye ini ndinoita iyo 187% inobvisa yemunhu mari yemutero pane angu mavoice. Kubvisa ikoko kunoenderana nemari yauinayo here? Iwo matafura emubhadharo wega wega ane miganhu ye7, 12.450, 20.200 ... anondibata zvachose? Mune chirevo chemari ini ndichabhadhara zvinoenderana nemari inowanikwa, asi nguva dzose yakafanana muzana? Ini ndaive nemibvunzo iyi kwenguva yakareba, asi nhasi shamwari yandibvunza kana achigona kugadzira invoice muzita rangu sezvo chiri chinhu chakatarwa, uyezve, ikozvino handizive kana ndikawedzera mari yangu, zvinokanganisa muzana yandichabhadhara ku hacienda kana kwete… .Ndarasika zvishoma…
Kutenda kwazvo!!
Ini ndinokuraira kuti usa invoice chero munhu, iyo 7% chengetedzo inoshandisa iyo yekutanga 3 makore mushure mekusaina, uye zvinowedzera kune zvakajairwa kuchengetwa kwe15%.
Manheru akanaka Susana Maria.
Chinhu chekutanga kukutendai netsananguro dzenyu uye chinhu chechipiri kuratidza (kana ini ndisina kukanganisa) kuti mune tsananguro yemunhu anozivisa mari ye € 40.000,00 / gore muchikamu chechina, iyo mari inogadzirwa kubva kune wega mutero wemari haisi iyo inoratidzirwa ne ti (1.440), kana isiri 1.776, sezvo yakawandisa yaizobva pa35.200 kuenda ku40.000 pa37%, handiti?
Ndatenda nekundibvisa mukukahadzika.
Thanks!
Mhoro Igor, Ndatenda.
Iwe uri kutaura chokwadi kuwandisa kwezvikamu, ivo vanobvisirwa mutero mune inotevera nhanho. Kwazisai Susana
Mhoroi, masikati machena, mubvunzo wangu ndewunotevera, ndiri mudyandigere wechirikadzi kweanoda kusvika makore makumi matatu ndinotora mari yepenjeni uye handina kana kumbobvuma kana kutenda kuti ndinopihwa IRPF. 30 semubatsiri wega uye shamwari mumakambani 2015. Ndekupi kwekuziva kana ndine chimwe chinhu chekutora kana chabhadharwa muna 2017
Ndave ndakazvishandira kwegore, inguva yekutanga kuti ndibhadhare rent ndotora muna 2016, € 3000 mukubatsira, rubatsiro rwekutanga kuzvishandira, handikwanise kurega kuverenga, izvo zvinondibhadhara , asi yakawanda sei? Handizive kuiverenga.
Mangwanani akanaka, kusvika parizvino ini ndinoshanda izere-nguva (40h) pasvondo uye nemari yegore rose yemari inosvika € 25.000 uye musiyano wegore we10%.
Ndiri kufunga kudzikisa zuva rangu rekuchengetwa kwevana kusvika pa35h pavhiki, zvinoenderana nekuverenga kwandakaita mari yangu yegore rose yaizove € 21.875.
Parizvino ndine chinyoro che11.44% (Ndine vana vaviri uye mogeji).
Ndinoda kuziva zvakawanda kana zvishoma kuti IRFP yangu ingave yakawanda sei? kunyangwe zvaizoderedzwa kana kuchengetedzwa.
Ndatenda! kwaziso.
Hi!
Kubva musi waMay 24, 2017, ndakaenda pamudyandigere, pamusoro pekuve murume akafirwa kubva muna 86, saka ndinotora kune rimwe divi mudyandigere wechirikadzi uye kune rimwe divi mudyandigere.
6,36% yemutero wemunhu mari inoiswa kune imwe penjeni uye imwe.
Mubvunzo wangu ndouyu.
Sezvo ndave pamudyandigere, ndizvo chaizvo kuti ndinogashira mari zhinji, kuenda kwangu pamudyandigere makumi manomwe nemapfumbamwe uye penjeni yechirikadzi yangu 739.
Zvikwereti ndinokutendai zvikuru
Ini ndakashandira kambani uye ivo vangondibhadharisa maeuros mazana manomwe, iyo IRPF iri pachokwadi?
Iyo data inoita kunge isingaenderane kwandiri. Iye munhu anowana € 40000 anowana mutero wemari inopfuura € 10000, ndokuti, avhareji mwero weinopfuura 25%. Nekudaro, kana iwe ukaenda kune yekutanga tafura yechinyorwa, iyo yepakati mhando yemunhu mari yemutero yemunhu uyo anowana € 40000 ingangoita 20,5%.
Ndeipi iwe yaunofanira kuteerera?
Mhoroi, ndatenda nechinyorwa. Kunetsekana kwangu ndiko kunotevera: gore rino ini ndakangoshanda pachirongwa chekutsvaga pamwe nemari inosvika mazana matanhatu emadhora pamwedzi, kwemwedzi miviri. Yakazara 600 euros. Ini handina kusaina chibvumirano uye ikozvino ndinofanira invoice. Ini ndinofanira kunyoresa neIAE? Ini ndinogona kungopfuudza invoice ine iyo 1200% yemutero mutero? Ini ndinosungirwa kuzivisa here?
Ndinokutendai,