Isiteyitimenti sengeniso yinkqubo yerhafu ekuya kufuneka uyenze minyaka le. Ngaphandle kwabasebenzisi abaninzi, awuzukuphendula kuphela ngengeniso evela emsebenzini. Kodwa ezinye ziveliswe kutyalo-mali okanye nakwingeniso yeemveliso zebhanki (iiakhawunti ezinengeniso ephezulu, iidipozithi zexesha elimisiweyo okanye nayiphi na inkqubo yokonga). Zonke ezi ntlawulo maziboniswe kwingxelo yengeniso yonyaka ngamnye. Unokwazi ukuyilawula ngokwakho le nkqubo okanye, ngokuchaseneyo, ufuna uncedo lomphathi okanye ingcali ukukunceda ulungiselele le rhafu ngqo.
Ukuze ufumane onke la magama, akukho nto ilunge ngaphezu kokuqonda ukuba isitetimenti sengeniso siqulathe ntoni. Ewe, yinkqubo yolawulo ekufuneka uyenzile ziqhelanise nemeko yakho yetax. Kwezinye iimeko ayizukufuna mzamo mkhulu, kodwa kwezinye iimeko iyakuba yinkqubo entsonkothileyo eya kufuna ulwazi olunzulu ngamanyathelo erhafu abekwe kunyaka-mali ngamnye. Kuba awungekhe ulibale ukuba bonke abahlawuli berhafu kufuneka bayiqhelanise nemeko yezemali. Kuba ukuba akunjalo, ufumene isohlwayo esiqatha.
Kwelinye icala, kuya kufuneka uyazi ukuba iRhafu yeNgeniso yobuqu (IRPF) yinto ebizwa ngokuba yirhafu ethe ngqo eveliswa ukufumana umvuzo. Ngamanye amaxesha, ngenxa yengeniso evela kumqeshwa nakwabanye kwiakhawunti yabo. Kwakhona kwinzuzo eyinkunzi efunyenwe kulungelelwaniso lwamaqela anomdla. Oko kukuthi, ukuthengisa okanye ukusebenza ngokuthengisa izindlu nomhlaba. Kodwa nangemali eyingeniso okanye ngezibonelelo zentlalo, umzekelo kumzekelo wokungaqeshwa okanye izibonelelo zomhlala-phantsi.
Inyathelo lokuqala: ikhalenda
Ewe kunjalo, kuya kufuneka uyazi imihla emisiweyo kunye nemihla yekhalenda yomrhafi kunyaka ngamnye. Ayothusi into yokuba nayiphi na intlawulo efika kade inokuba neziphumo ezibi kwimidla yakho. Esi sesinye sezizathu eziphambili zokuba kutheni ungazukukhetha ngaphandle kokuzazisa malunga neli candelo libalulekileyo lenkqubo. Kwelinye icala, kwaye ngokubhekisele kweli xesha lezemali, kuya kufuneka uthathele ingqalelo amanyathelo athile azakusetyenziswa kwirhafu yengeniso yakho eza kuqala ukusebenza unyaka nonyaka.
Enye into ebaluleke kakhulu ngokunxulumene nerhafu yengeniso yakho ibizwa ngokuba yirhafu ethe ngqo eveliswa kukufumana umvuzo. Ngefuthe kumvuzo emsebenzini, kodwa ikwafumaneka kwi utyalo mali ukuba wenze kumthambo ngamnye. Ukufikelela kwinqanaba lokuba banokulinganisa iiakhawunti oya kuthi unikezele ngazo ngokunxulumene ne-Ofisi kaNondyebo.
Inyathelo lesibini: cela uyilo
Inqanaba elilandelayo lale nkqubo yerhafu isekwe ekuthatheni isigqibo sokuba unomdla wokwenene wokugcwalisa isibhengezo kwi-Intanethi okanye ngokuchaseneyo, ngobuso kwiiofisi ze-AEAT. Kwelinye icala, nakulo nyaka unokukhetha ukuyenza ibe sesikweni ngokusetyenziswa kweselfowuni okuphuhliswe ngamaqumrhu asemthethweni.
Ngokumalunga neyokuqala kweemodeli, kuya kufuneka ukhumbule ukuba uneendlela ezintathu zokuyazisa kuyilo lwethu. Ziquka ukusebenzisa isatifikethi se-elektroniki okanye ikhowudi yePIN. Kuzo zombini ezi meko, wakube ulujongile uyilo, uya kuba neendlela ezimbini zokugqibezela le nkqubo yerhafu.
Kwelinye icala, qinisekisa ngokuzenzekelayo uqhubeke nakwinkcazo-ntetho yayo, kwelinye icala, lungiselela eyakho ingxelo. Ziinkqubo ezingayi kuba nzima kakhulu ukuzenza kwaye ziyafumaneka kubo bonke abarhafi. Ukuze ngale ndlela, ukwazi ukuthobela uxanduva lwakho lwerhafu ngokuchanekileyo nangexesha elifanelekileyo.
Inyathelo lesithathu: uyenza njani intlawulo?
Owona mzuzu ubaluleke kakhulu wengxelo yengeniso ufikile kwaye inento yokwenza nokuzicima ngokwakho iiakhawunti zakho. Kwaye iya kuthi ekugqibeleni ibonise ukuba kuya kufuneka uhlawule okanye ngokuchaseneyo kuya kufuneka uhlawule isixa kwiakhawunti yakho yokujonga. Ewe, kule meko awuyi kuba nayo ndikubuze ngezi meko zimbini zezi zibalo zerhafu. Ngale ndlela, ukuba ingxelo elandelayo yomvuzo iza kubuyiselwa, uNondyebo akahlali ethatha ngaphezulu kwenyanga ukufaka isixa kwiakhawunti yebhanki enikiweyo. Ngayiphi na imeko, ixesha ekufanele ukuba lingadluli kwiinyanga ezintandathu ukusukela oko liya kuba nentlawuliso ethe yahlawulwa kwiakhawunti yakho yebhanki.
Kwelinye icala, kukho imeko echaseneyo. Oko kukuthi, owona monakalo mkhulu kwimidla yakho kukuba kufuneka uhlawule uNondyebo. Ewe ungayenza ngentlawulo enye okanye uyihlule kubini. Ukuze usebenzise le fomyula, kufuneka ujonge ibhokisi yentlawulo eqingqiweyo kwimbuyekezo. Njengomphumo wale meko, I-60% iya kuhlawulwa kwintlawulo yokuqala yemali iyonke, ngelixa eyesibini iyakwenzeka kwiveki yokuqala ka-Novemba, ngentlawulo eseleyo ye-40%.
Inyathelo lesine: kuthekani ukuba kukho impazamo?
Kwaye awunakulibala ukuba unokwenza impazamo kwingxelo yengeniso. Yinto enokwenzeka kwaye ke kufuneka uyenze Cinga ngale meko inokwenzeka. Apho kuyakufuneka ngokupheleleyo ukuba xa uqaphela naluphi na uhlobo lwempazamo kwingxelo yakho yengeniso, kwaziswa ngokukhawuleza abasemagunyeni. Ngayiphi na imeko, iimeko ezimbini zinokuboniswa ngaphakathi komxholo.
Kwelinye icala ukuba uyi wenzakaliswe yimpazamo Kwimeko apho kuya kufuneka ungenise isicelo sokulungiswa kovavanyo lwakho. Uya kuba nexesha eliyokuma kwiminyaka emine ukwenza le meko ibe semthethweni kwaye uhlawule izixa-mali eziziimfuno zebango.
Kwaye kwelinye, ukuba uNondyebo ulixhoba elikhulu kwimpazamo yakho xa usenza ingxelo yengeniso. Ukuba kunjalo, awuzukukhetha ngaphandle kokwenza ifayile ye ingxelo eyongezelelweyo apho kuya kufuneka ubandakanye iimpazamo ozenzileyo kulo msebenzi werhafu. Kodwa ke lumka, yenza ngokukhawuleza okukhulu njengoko zinokukuhlawulisa kwaye izohlwayo zingonakalisa kakhulu umdla wakho.
Ngayiphi na imeko, kucetyiswa kakhulu ukuba ugcine onke amaphepha Iminyaka emine edlulileyo. Kungenxa yokuba nangaliphi na ixesha banokuphonononga naziphi na iingxelo zengeniso ozenzileyo. Kwaye okona kuzikhusela kunako kukuxhasa amaxwebhu osekele kuwo ukubala kokupheliswa kwengeniso yakho kunye neyobungcali. Kuhlala kungcono ukuba ulumke malunga nasiphi na isiganeko esinokwenzeka kuwe ukusukela ngoku. Ungakulibali ukuba awufuni kuba nangxaki nabasemagunyeni lerhafu nanini na.
Inkqubo katata
Kwelinye icala, awungekhe ulibale ukuba ukusukela kunyaka ophelileyo iNkqubo yoMzali ithathelwe indawo yiRenta Web, ukwenza isibhengezo nge-Intanethi. Olunye ukhetho onalo kwaye ekuvumela ukuba wenze ngokusesikweni kwi-Intanethi, ukhululeke ekhaya okanye naphi na. Ngayiphi na imeko, uya kuba nekhalenda yokwenza lo msebenzi kwaye kuya kufuneka ujonge kwakhona ukuze ungathathi naziphi na izinto ezingalindelekanga ukusukela ngoku.
- Ukunikezelwa: Ungangenisa uyilo lwerhafu yengeniso kwi-intanethi kude kube ngeveki yokugqibela kaJuni kunyaka-mali ngamnye. Nangona kunjalo, ukuba iziphumo ziya kubuyiselwa, uya kuba nolwandiso oluncinci kude kube yiveki yokuqala kaJulayi.
- Ukuba ufuna ukutshintsha okanye ukuguqula enye yedatha okanye iimali ezibandakanyiweyo kuyilo lwakho, ungayenza kwiiofisi zeArhente yeRhafu. Okanye nokuba kungumnqweno wakho, ngesivumelwano sangaphambili onokuthi ufune kude kube ziintsuku zokugqibela zikaJuni.
- Uqinisekiso: kwelinye icala, unokucela idrafti ye- irente ngomnxeba, ngamanani angama-901 121 224 (iiyure ezingama-24 ngokuzenzekelayo) kunye nama-901 200 345 (ngoMvulo ukuya ngoLwesihlanu, ukusuka nge-9 ukuya kwi-21 ngokuhlwa). Iya kuba sisigaba senkqubo onokuyisombulula ngexesha elifutshane kakhulu ukuze wenze ingxelo yakho yengeniso elandelayo ngesiqinisekiso esipheleleyo malunga nesiphumo sayo.
Ukususela kulo mzuzu ukuya phambili, kuya kufuneka ugcwalise kuphela iziphumo zesibhengezo. Nokuba kwenzeka ntoni, oko kukuthi ukubuya okanye kufuneka ubeke imali kwiakhawunti yakho yokujonga. Apho eyona nto intsha uza kuba nayo kulo nyaka kukuba le nkqubo yolawulo inokwenziwa nge Isicelo esivela kwiselfowuni. Ngolawulo olubhetyebhetye ngakumbi lwawo onke amanyathelo esiwabonisile apha ngasentla. Amaqumrhu erhafu agxininisa ukuba isicelo siya kuba "ngumjelo we-agile" osebenza njengejelo elitsha lonxibelelwano. Kwaye oko kujolise ikakhulu kwiprofayili yomsebenzisi engasetyenziswanga ekusebenziseni iikhompyuter zakho.
Esi sicwangciso siza kubandakanya ukuthunyelwa kweeleta kubo bonke abarhafi abangama-860.000 bebabongoza ukuba basebenzise inkonzo yefowuni kwaye bakhawulezise iinkqubo ngokuqeshwa kwangaphambili.