Yintoni inzuzo eyinkunzi?

Inzala eyinzuzo

Ingeniso eyinkunzi ligama elinxibelelene ngokusondeleyo nehlabathi lotyalo-mali kwaye apho kuxhomekeke ekubeni kufuneka uhlawule ngaphezulu okanye ngaphantsi kwemali kwingxelo yengeniso elandelayo. Kodwa yintoni ekhokelela ukuba ulibale ukuba iyasebenza nakwi ezinye izinto eziphathekayo, ezinje ngemigangatho, umhlaba okanye ubucwebe. Kungenxa yokuba, iingeniso zemali eyinkunzi zisisiseko sokunyuka kwexabiso lento, ngakumbi ipropathi, ngenxa yeemeko ezingaphandle kwaye ezimeleyo kulo naluphi na uphuculo olwenziwe kuyo.

Ukuba into ebonakalisa iinzuzo ezinkulu kungenxa yesiphumo sayo Irhafu. Kuba nayiphi na inzuzo oyenzayo kuya kufuneka iphathwe ngothotho lweerhafu ezisebenzayo eSpain. Ezinye zezona zibalulekileyo zezi Irhafu yengeniso yomntu (IRPF), ixabiso le-cadastral kunye nakwindawo ethile kunye nePropathi kunye neRhafu yokuThengiswa kweMizi, eyaziwa ngokuba yi-IBI. Le yeyona nto inqwenelekayo yenkoliseko. Kuya kufuneka uphendule ngemisebenzi evelise inzuzo ngalo naliphi na ixesha.

Nangona kunjalo, kulula kakhulu ukwahlula ukuba yeyiphi na impahla echaphazelekayo ukubonisa ukuba leliphi elona xabiso lalo kwaye loluphi uhlobo lwezicelo ezivelisayo. ukwanda kwemali. Kuba ayizizo zonke iimeko iyakufana. Inzuzo eyinkunzi kwiimarike ze-equity ayinanto yakwenza naloo nto iphuculwe ngokuthengisa izindlu nomhlaba. Banokufana kuphela ukuba kuzo zonke iimeko kukho ukubuya kwixabiso lemali kwaye kunokuba nzima okanye kunciphe kakhulu, kuxhomekeke kwiinguqu ezahlukeneyo.

Ingeniso eyinkunzi kutyalo mali

bolsa

Yeyona ixhaphakileyo phakathi kwabasebenzisi baseSpain kwaye ibhekisa kwimali oyifumanayo kwintengiso yesitokhwe okanye ezinye iimarike ezifanayo. Oko kukuthi, umahluko phakathi kwe Ixabiso lokuthenga kunye nexabiso lokuthengisa. Eli lixabiso elithathwa njengelungileyo. Ukuba utyale i-10.000 euros kwaye ekugqibeleni intengiso ivelisa i-20.000 euro, inzuzo eyinkunzi iya kuba ngama-10.000 euros kunokwenziwa kwemathematics kwale ntshukumo yobalo. Ngayiphi na imeko, yinto leyo bonke abatyali mali, njengakwimeko yakho, abafuna ukuyinqwenela. Kuba ukuba bekungenjalo, ibiya kuba luphawu lokuba ulahlekelwe yimali kwimisebenzi eyenziweyo.

Ngayiphi na imeko, inzuzo eyinkunzi kutyalo-mali ayihlawulelwa. Ewe akunjalo, kuba iya kuba njalo irhafu kuthotho lweerhafu Oko kuyakwenza unciphise inzuzo oyifumeneyo. Irhafu ephambili kutyalo mali lwabucala yiRhafu yeNgeniso yobuqu (IRPF) kwinzuzo eyimali efunyenweyo. Nangona ukuthengiswa kwezabelo kungaxhomekekanga ekubanjweni, kubalulekile ukubandakanya imisebenzi eyenziweyo kwiNgxelo yeNgeniso, kunye nentlawulo elandelayo yokuhlawulwa kwerhafu yengeniso yomntu efumanekileyo. Ngaba uyafuna ukwazi ukuba zithini iindleko zeenzuzo ezinkulu ngeli nqanaba liqhelekileyo?

Ukubamba ukuya kuthi ga kwiipesenti ezingama-23

Kukulungele kuwe ukuba wazi iirhafu ezisebenzayo eSpain kolu hlobo lokusebenza kwemali. Njengokuba, yahluka ukusuka kwi-19% ukuya kwi-23%, Kuxhomekeke kwinzuzo oyenzileyo kwimisebenzi nganye kwiimarike zezemali.

  • Ngomvuzo ukuya kuthi ga kwi-6.000 euro iya kuba yi-19%.
  • Ngomvuzo phakathi kwe-6.000 kunye ne-50.000 euro iya kuba yi-21%.
  • Yonke imivuzo engaphezulu kwama-50.000 euros iya kurhafiswa kwelona liphezulu, ngama-23

Ngayiphi na imeko, iinzuzo ezinkulu aziveliswa kuphela kukusebenza kweemarike zezemali. Ukuba akunjalo, ngokuchaseneyo, ikwavela kwintlawulo izabelo. Kungenxa yokuba, kule meko ithile, kubanjiswa umyinge wokubamba ophakathi kwe-19% kunye ne-23%, ehlala isekwe kwimali eqokelelwe ngolu hlobo lobalo.

Ingeniso eyinkunzi yezinye iikhonsepthi

Ngomnye umthambo, iinzuzo ezinkulu zinokubakho ngenxa yokuthengiswa kwezindlu nomhlaba. Ukuya kwinqanaba lokuba lelinye lawona matyala aqhelekileyo phakathi kwabasebenzisi. Ukuthi ngqo, thengisa ipropathi ngeenzuzo ngokubhekisele kwixabiso lantlandlolo, oko kukuthi, ixabiso lokuthenga. Kule meko, imali eyinzuzo yepropathi yokuthengiswa kwezindlu kunye nomhlaba inokuba neentsingiselo ezahlukeneyo, njengoko uza kuba nakho ukungqinisisa ukusukela ngoku. Kuba iyakuvelisa inkcitho eya kubonakala kwiirhafu ezithile okanye kwimirhumo kamasipala.

Xa uthetha malunga neenzuzo ezinkulu, kubalulekile ukubhekisa kwinto ebizwa ngokuba yiRhafu eyiNkunzi. Ixabiso leMihlaba yeeDolophu. Kungenxa yokuba kusemva kwawo onke amancedo omasipala. Ngayiphi na imeko, linqanaba lendawo ekufuneka ulisemthethweni xa usenza ugqithiso lweasethi. Ngoku, ukuba ungumnini wepropathi ye-rustic, uya kukhululwa ngokupheleleyo kule ntlawulo kuba ichaphazela kuphela iipropathi zasezidolophini. Phakathi kweeflethi, iigaraji okanye indawo yokuthengisa.

Irhafu yokufumana imali kamasipala

ekhaya

Ngayiphi na imeko, awunakulibala nangaliphi na ixesha ukuba yintoni inzuzo eyinkunzi kamasipala. Ngengqondo yokuba yintoni kwaye ihlawulwa nini. Ewe, lizinga lokunyuka kwexabiso lomhlaba wedolophu. Bonke oomasipala bayazisebenzisa kubamelwane abanepropati yezi mpawu. Kodwa ngokuchaneka okuncinci, kwaye loo nto kukuba le ntshukumo yenziwa ngokusesikweni ngexesha elifanelekileyo lokuthengisa okanye ukunikela ngepropathi. Lo nto ayisoze iphume simahla, kodwa kuya kufuneka uphendule ngokunyuka kwexabiso lalo ngokulinganayo nakwelona xabiso lalo.

Ngenye indlela yezinto, kuya kufuneka wazi ukuba xa ipropathi okanye iarhente egqithiswayo, kuphela iqela lokuthengisa Ngubani ekufuneka ehlawule le rhafu yendawo. Ngethamsanqa kuwe, ukuba uvela kwiqela elithengayo, awuzukuthatha naluphi na uhlobo lwenkcitho. Ngayiphi na imeko, yimbeko ekufuneka uyigcwalisile kwiholo ledolophu ngokwayo apho kukho khona ikhaya, indawo yokuhlala okanye indawo yorhwebo eziyinto yokusebenza. Ukuza kuthi ga kwinqanaba lokuba le ntengiselwano yezoqoqosho ingarhafu ukuya kumanqanaba anokuchaphazela usapho lwakho okanye uhlahlo-lwabiwo mali lwakho.

Uyibala njani le rhafu?

Nangona kunjalo, enye yezona ntloko zinkulu zerhafu kwindlu iza kunzima kakhulu ukubala. Ayingabo bonke abasebenzisi ekulula ukuba benze lo msebenzi wemathematics. Ukukunceda kulo msebenzi, akukho nto ingcono kunokwazi ukuba isiseko serhafu sibalwa ngokusekwe kwixabiso lepropathi kunye nexesha elidlulileyo kumthengisi okanye umnikeli okanye oswelekileyo, kwimeko ethile yeminikelo kunye nelifa. Ukuze ucace ngakumbi malunga nento oza kuhlawula ngayo ukusukela ngoku ukuya phambili kolu hlobo lomsebenzi, kuya kufuneka ufumanise ukuba yintoni ukungalingani okuza kusetyenziswa kuwe ukusukela ngalo mzuzu.

Le yeyona mida iphezulu kulungelelwaniso lwenyani oluza kusetyenziswa libhunga ledolophu kwimeko nganye. Kwaye into ekufuneka uyihlawule iya kuxhomekeka kwinto ekufuneka uyihlawule ngale rhafu idityaniswe ngokuthe ngqo kwiinzuzo ezinkulu. Njengoko uza kubona, ukungalingani kuncipha njengoko iminyaka ihamba.

  • Ukusuka kunyaka omnye ukuya kwiminyaka emihlanu: 3,7.
  • Ukuya kutsho kwiminyaka eli-10: 3,5.
  • Ukuya kutsho kwiminyaka eli-15: 3,2.
  • Ixesha lokufikelela kwiminyaka engama-20: 3

Intsingiselo efanayo yobutyebi

butyebi

Kuwo onke amatyala, kwaye nakuwuphi na umsebenzi owenzileyo, xa uzuze imali luphawu olucacileyo malunga nento yokuba wandise ubutyebi bakho. Nangona lo mahluko mkhulu, uya kohlwaywa ngerhafu ezininzi. Yinto ekufuneka uyenzile ukucwangcisa iiakhawunti zakho. Oko kukuthi, ayisiyiyo yonke imali oyifumeneyo eya kuya epokothweni yakho. Ukuba akunjalo, ngokuchaseneyo, inxenye yayo iya kwabelwa iindleko zolawulo kunye neerhafu zeentlobo ezahlukeneyo kunye nohlobo.

Ngayiphi na imeko, iya kuba luphawu lobutyebi kwaye unemali eyaneleyo yokuyityala. Ayisebenzi kuphela kwi Iimarike zezabelo. Kodwa nakwiarhente yokuthengiswa kwezindlu kunye notyalo mali. Ingeniso eyinkunzi ayizukungakhathali nakubani na, kuba amava aya kukubonisa kule minyaka idlulileyo. Akumangalisi ukuba, ingumbono wesininzi ochaphazela izinto ezininzi ebomini.

Ezinye zezinto ezingeloncedo ngengcinga

Ewe kunjalo, ukushwankathela esi sihloko sishushu kwezi ntsuku kukuba inzuzo enkulu ivelisa irhafu erhafiswa kolu nyuso lwexabiso. Ungakulibali ukusukela ngoku, kuba unokuba nenye ingxaki onokuthi wenzakaliswe kuyo kwimidla yakho. Ngayiphi na imeko, ukuqonda okuqala kweli gama kubanzi kwaye kufunyanwa kwimisebenzi yezona ngcinga zikhulu zoluntu. Ngemisebenzi apho esi sihloko sishushu kujongwana nayo ngendlela ethe ngqo.

Kukunyuka kwexabiso lezinto ezintle okanye imveliso ngenxa yezizathu ezahlukeneyo abanini abanakho ukuzilawula. Esi sesinye sezizathu zokuba inzuzo enkulu ibe nezinto ezininzi ezivela kuzo. Kuxhomekeka kwisizathu soku kutyeba kwabantu. Injongo efunwa ngabantu abaninzi kuluntu lwanamhlanje. Ukuze ngale ndlela, bangonyusa ubutyebi babo ngokuthe ngcembe.


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