Izintela zingenye yezindleko abakhokhi bentela okufanele babhekane nazo ukuze benze kahle umnotho. Azikho kuphela izintela eziqondile, kepha lezo ezibhekwa njengengaqondile, njengoba uzokwazi ukuqinisekisa kule ndatshana. Ngoba izintela empeleni ziyizinkokhelo umuntu ngamunye, umndeni noma inkampani kumele akhokhe umbuso ukukhokhela izidingo ezihlangene, ngaleyo ndlela banikele ngengxenye yemali yabo engenayo. Kuze kube seqophelweni lokuthi ziyadingeka emiphakathini yentando yeningi. Yize ingabandakanya okungaphezu kokukodwa ikhanda ezitatimendeni zabakhokhi bentela.
Kunento eyodwa ecace bha futhi ukuthi njengoba ukhokha izintela eziningi, uzoba nemali encane ku-akhawunti yakho yokubheka. Okuthile okuphikisana nemibono yezomnotho evulekile. Ngoba kusho ukuthi abakhokhi bentela bazoba nemali encane kakhulu abangayisebenzisela ukusetshenziswa noma eminye imisebenzi yezomnotho. Ama-akhawunti ajwayelekile wombuso ngamunye ahlupheka ngoba ukugeleza komnotho kuncane kakhulu. Ngalesi sizathu, kukhona okuhlukile imisinga yezomnotho okuhle noma ukungakhuphuli noma ukwehlisa umthwalo wentela phakathi kwezakhamizi.
Ngakolunye uhlangothi, akumele Khohlwe ukuthi intela ingabuyekezwa ngokujwayelekile ngokuya ngezidingo zezomnotho zamazwe ngalinye. Kulesi simo esivamile, kungashiwo ukuthi ngalezi zinsiza zemali yizifundazwe ezithola izinsiza ezanele ukwenza imisebenzi yabo. Ezenzweni ezahlukahlukene njengokuphathwa, ingqalasizinda noma ukunikezwa kwezinsizakalo. Ngandlela thile, lezi zingxenye zincike kulomthwalo wentela ophuma ephaketheni abakhokhi bentela.
Izintela: ngqo noma ngokungaqondile
Umehluko wokuqala kumanani ajwayelekile uhlukaniswe phakathi kwezintela eziqondile nezingaqondile. Kusuka kule ndlela yentela, okwakudala ukuthi intshisekelo enkulu ingxenye yabakhokhi bentela ngoba kufanele babakhokhe kuzo zonke izimo. Ngandlela-thile, kunjalo amanani avulekele bonke kakhulu ngezici zayo ezikhethekile. Ngoba empeleni, ngeke zithinte abakhokhi bentela ngendlela efanayo, njengoba uzobona kusukela manje kuqhubeke.
Ngakolunye uhlangothi, kunalokho okubizwa ngokuthi yizintela eziqondile, okuyizona empeleni eziwela ngqo kumuntu, inkampani, inkampani, njll. Ngoba zisuselwe kakhulu ku- amandla ezomnotho alabo abathintekayo. Lokho wukuthi, kuya ngezimpahla zabo kanye nokwenziwa kwemali engenayo. Ezinye zezinto ezaziwa kakhulu futhi okuzodingeka ubhekane nazo yilezo ezibhekisela enteleni yomuntu siqu engenayo, intela yenhlangano noma ifa nentela yezipho. Futhi ezinye izingane ezingeke zikhonjelwe encazelweni yakamuva.
Izintela ezingaqondile
Ngakolunye uhlangothi, kunalesi sigaba semali esibaluleke kakhulu ekuqoqeni imali yizifundazwe ezahlukahlukene zomhlaba. Umehluko owodwa obahlukanisa komunye uxhomeke ekutheni lezi zintela zibekwa kuzimpahla nezinsizakalo hhayi kubantu njengoba kwenzeka ngentela eqondile. Lokho kusho ukuthi, ngokungaqondile njengoba igama lalo libhekisela. Abantu basebenzisa umkhiqizo noma into ngakho-ke kumele akhokhe intela ngezenzo zakhe. Kwesinye isikhathi ngendlela ebanzi kakhulu uma kukhulunywa ngamaphesenti asetshenziswayo.
Kulesi simo esivamile, akungabazeki ukuthi lezi zintela zingaba nobulungiswa kunezinye. Lapho abanye bakhona futhi baziwa njenge-VAT, intela yokudluliswa kwemali noma i- izintela ezikhethekile eziphuzweni ezidakayo. Kufanele kucaciswe ukuthi ezinye zalezi zimali zikhokhwa ngokuya ngokuthi uyayidla yini imikhiqizo yazo. Ngoba empeleni awuhlobene nabo, ngeke kudingeke ubakhokhe nganoma yisiphi isikhathi, njengoba kwenzeka okwamanje ngentela yotshwala. Akumangalisi ukuthi zisebenza kuphela kubathengi hhayi kwabanye abantu njengoba sesichazile.
Amanani alinganayo noma ahlehlayo
Okunye ukwehlukaniswa okungakhonjelwa intela yikho okulawulwa yilezi zimingcele ezikhetheke kakhulu. Lapho izintela ezilinganiselwe ngokuyisisekelo zibhekisa kumaphesenti amisiwe lapho isisekelo sentela singanakwa nhlobo. Ngakolunye uhlangothi, kukhona nezintela okubizwa ngokuthi okududuzayo futhi okuyilapho kulapho inzuzo ephakeme noma umholo uphakama kakhulu, kuzoba ngaphezulu kakhulu inani ozolikhokha. Esinye salezi zibonelo sizomelwa yi-VAT kuzimpahla eziyisisekelo, ezisabalele kakhulu ohlelweni lwamanje lwentela eSpain.
I-Las amanani aqhubekayo bangase banganakwa kakhulu, kepha ngeke babaluleke kakhulu ngokombono wezimali. Isu layo lentela lisuselwa ku-axiom elula njengokuthi inzuzo ephakeme noma ukuqasha, kukhuphuka iphesenti lentela okufanele likhokhwe ngabakhokhi bentela. Isibonelo esicacile salolu hlelo lwentela yilolo oluboniswa intela yemali engenayo, okungenye yezimpawu zekhalenda lezimali laseSpain futhi ebelilokhu liqhubeka ngempela selokhu lasungulwa. Ukuthi kungalimaza izintshisekelo zakho zentela ngokuya ngomholo onawo unyaka nonyaka.
Izintela ezinkulu
ESpain, kunochungechunge lwamanani agqame ngaphezu kokunye futhi yilawo esizokwethulela wona ngencazelo ethe xaxa. Babhekisa kokunye okubaluleke kakhulu kwe- ikhalenda lezimali likazwelonke likazwelonke futhi lokho kuphawuleka ngoba kungamakhono eMiphakathi Ezimele noma yoMgcinimafa Wendawo, kodwa futhi neminye ephethwe nguHulumeni.
Enye yezinto ezifanele kakhulu yi- Intela Yengeniso Yomuntu (IRPF). Kuyintela yemali engenayo intela ekhokhiswa enzuzweni yabantu, izinkampani, noma ezinye izilinganiso zezinhlangano ezisemthethweni. Kufanele uyenze ibe semthethweni minyaka yonke nalapho kuzobhekwa yonke imali etholakala emsebenzini nasemholweni. Cishe bonke abakhokhi bentela kumele bakwenze kube semthethweni, kwezinye izimo ngokuzihlola ukubuyisa noma ukukhokha. Akufanele ukuthola enye incazelo ngenxa yokuthandwa kwayo kakhulu kubo bonke abakhokhi bentela.
Intela Yenhlangano (IS)
Vele, le ntela ayiyona enkulu njengaleyo edlule. Akumangalisi ukuthi intela yenkampani yiyo ebhekisa enteleni yemali engenayo yenkampani, okuyintela ngqo, yobuntu futhi imvamisa yenani lentela elilodwa, iwela enzuzweni etholwe yizinkampani. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ukusetshenziswa kwayo kwenziwa ikakhulukazi ezinkampanini hhayi kubantu ngabanye, ngakho-ke kukhawulelwe kakhulu emiphumeleni yayo yangempela.
Esinye isilinganiso salezi zici yileso esisho Intela Yomcebo, eyaziwa kangcono njengentela yomcebo noma intela yenhlanhla. Kuyisilinganiso esibalulekile esisetshenziswa ngawodwana, hhayi kumholo noma ukuthengiselana konyaka, kodwa kuzimpahla zomuntu siqu yabantu bemvelo. Ngezinga elinquma ngalo ingcebo yangempela yabantu, ngezinga elikhulu noma elincane. Ngakho-ke, kukhawulelwe kakhulu kwezinye izakhamizi ngokungafani nezinye ezijwayelekile.
Intela Eyengeziwe (VAT)
Ngenye yezintela ezinkulu ezibekwa ekhalendeni lezezimali likazwelonke futhi yethula uchungechunge lokwehluka okukuthola njengezinga elithile elikhethekile. Kusuka kulo mongo, i-VAT intela okufanele uyenze ngengxenye enhle ye- imisebenzi yobungcweti neyohwebo. Ukuze ucacelwe kusukela manje, kufanele wazi ukuthi i-VAT ingumthwalo wentela ekusetshenzisweni, okungukuthi, ixhaswe ngumthengi njengentela ehlehlisayo, esetshenziswa emazweni amaningi futhi esabalele e-European Union.
Isetshenziswa ngamaphesenti ahlukile ngokuya ngokuhlukahluka okuningi. Ngoba empeleni, kuyehluka kuye ngomkhiqizo noma insizakalo ethengwayo noma ethengiswayo, ngakho-ke kunezindlela zokwelapha ezihlukile kwi-VAT. Njengokulandelayo esikudalula ngezansi.
- I-VAT ejwayelekile (21%)
- Lesi isilinganiso se-VAT esizenzakalelayo futhi sizosebenza emikhiqizweni eminingi nasezinsizakalweni: okokugqoka, i-DIY, ugwayi, izinsizakalo zamapayipi, ukungenisa izihambi, izinto zasendlini, njll.
- I-VAT encishisiwe (10%)
- Lolu hlobo lubandakanya imikhiqizo enhlobonhlobo njengoba wazi manje. Okudume kakhulu kufaka phakathi imikhiqizo yokudla, amanzi, okwenziwa kwemithi.
- I-VAT encishiswe kakhulu (4%)
- Izinga le-VAT elincishiswe kakhulu lisetshenziselwa izimpahla namasevisi athathwa njengabalulekile. Njengakulezi zici ezilandelayo esikudalula kuzo:
Ukudla okuyisisekelo kubhasikidi wokuthenga (ubisi, isinkwa, ilayisi, njll.).
Izincwadi namaphephandaba (omagazini namaphephandaba)
Imithi yokusetshenziswa komuntu
Ama-Prosthetics, okufakwa ngaphakathi, ama-orthotic nezimoto zabantu abakhubazekile.
Futhi asikwazi ukukhohlwa i-Real Estate Tax, eyaziwa kangcono ngegama layo, Ibi. Kulokhu, futhi ngokungafani nabanye, kuyintela yendawo eqondile ekhokhisa ubunikazi namalungelo wangempela onawo ngaphezu kwanoma iyiphi ingcebo.
Izintela ziwuhlobo lomnikelo olwenziwa yizakhamizi kubantu bakaHulumeni ukuze ufeze imisebenzi oyiphathisiwe. Inkinga evamise ukwenzeka ukuthi sibeka imisebenzi eminingi kuhulumeni kanye nemisebenzi esiyifaka kuhulumeni, kuzofanele sikhokhe intela ethe xaxa.
okuwukuphela kwemisebenzi okufanele uhulumeni abe nayo yile:
- ukuvikelwa kwempilo
-ukuvikela izinkontileka
- ukuvikelwa kwempahla yangasese.
futhi njengoba sazi kunezinhlobo ezi-2 zentela:
- Ngqo: ezihlobene nomholo womuntu. Umqondo wale ntela ukunciphisa ukwehluka kwengcebo. Isibonelo sale ntela eGuatemala kungaba yi-ISR (intela yemali engenayo)
- Okungaqondile: okuyizinto ezingahlobene nomholo womuntu. Le ntela incike kulokho umuntu akudlayo. isibonelo sale ntela eGuatemala kungaba yi-VAT (inani elingeziwe lentela)