Kwaphela amasonto ambalwa, sekushiwo okuningi ngalokho okwenzekayo nge- uhlelo lwempesheni futhi ezimweni eziningi kubikezelwa inhlekelele ohlelweni olusha lwempesheni yaseSpain, olunabantu abaningi abakhathazekile.
Ukuqala ukuthola kancane ngale ndaba, okushiwoyo ukuthi kulo nyaka ka-2016, Impesheni eSpain izokhuphuka ngenxa yokuguqulwa. Ake siqale ekuqaleni. Into yokuqala eseyaziwa ukuthi I-SS isebenze i-simulator ezokuvumela ukuthi wazi ukuthi iyini inzuzo eyengeziwe umuntu ngamunye azoba nayo empeshenini yakhe. Ukuze wenze lokhu, kufanele ufake ikhasi lezokuphepha komphakathi bese ubala impesheni ozoba nayo ngezinyathelo ezintathu ezilula.
I-simulator iyasebenza ezinsukwini ezimbalwa ezedlule ukusazisa ukuthi yini impesheni entsha yomphakathi ezokwamukelwa. Le mali inikezwa ngokususelwa kokunikelwe ngeminyaka yokusebenza kodwa i-% ebalwa ngayo izobe iphakeme.
Izinyathelo ezilula zokukwazi ukubala impesheni entsha.
Into yokuqala okufanele uyenze ukufaka iwebhu bese wenza i-akhawunti yomuntu siqu kuyo. Ipulatifomu ukuphepha kwakho komphakathi.
Ngemuva kwalokho, ipulatifomu izokunikeza ifayela le- ikhodi yokusebenzisaBazokucela le khodi lapho uya ehhovisi lakho lezenhlalakahle. Lapho, ngale khodi, bazokunikeza iphasiwedi ukuze ukwazi ukufaka i-akhawunti yakho.
Kuzofanele futhi wethule idokhumenti ye-DNI noma ye-NIF. Lokhu kuzoba ukuphela kwento okufanele uyethule ngabo ukuze basebenzise i-akhawunti yakho online noma bakunikeze ikhodi yokuvula.
Umuntu ngamunye onekhodi yakho, uzokwazi ukungena enkampanini bese eqala ukusebenzisa i-simulator ngaphandle kwenkinga. Uma kwenzeka othile ene-ID ye-elekthronikhi, ungangena futhi kuwebhu bese uvule i-akhawunti
Manje siqhubekela esigabeni sesibili. Lapha okumele kwenziwe uma sesinayo i- ikhodi yokuqalisa siyifaka ku-akhawunti yethu. Igama lethu lokubhalisa lizoba inombolo kamazisi futhi libe ngaphansi kwekhodi yokuvula abasinike yona ehhovisi lezokuphepha komphakathi,
Lapho i-akhawunti yethu isivuliwe, sizokwazi ukubona igama lesakhamuzi nenombolo kamazisi. Ikhodi yokuvula futhi ekugcineni i-imeyili nayo izovela. Ungabona futhi ukuthi lowo muntu unikele isikhathi esingakanani nokuthi yiziphi izinzuzo azitholile. Ngaphezu kwalokho, uzokwazi nokubona ukuthi basalelwe isikhathi esingakanani sokuthatha umhlalaphansi ojwayelekile nokuthi bazokwazi ukuthatha umhlalaphansi eminyakeni emingaki.
Ngaphansi kwayo yonke leyo datha yisimulator sempesheni. EMpumalanga simulator inenkinobho ethi "lingisa impesheni"
Isinyathelo sesithathu sokwazi ukuthi bazosinika malini ngempesheni entsha
Esinyathelweni sesithathu esiqhubekela ekulingiseni, imvamisa akufanele sibeke noma yini, kepha uma sibona ukuthi enye idatha ayilungile, singanikeza ithuba lokuthi "sishintshe izimo zomuntu siqu" futhi ngale nketho singaguqulela kudatha yangempela . Lokhu kuzonikeza izinzuzo zempesheni yakho yangomuso. Uzokwazi ukubona ngokuzenzakalela, uma ukuthuthuka kwempesheni kukusiza ngempela noma cha.
Ungabona futhi ibizoba yini imali uma kwenzeka impesheni ibambezeleka.
Ngokuqondene nesimulator, iphakamisa iphrojekthi ejwayelekile yokulingisa impesheni. Kodwa-ke, yenzelwe ukuthi umuntu ozobuyekeza impesheni yakhe, abuyisele isimo asifunayo esikhathini esizayo ukuze akwazi ukuthatha izinqumo ezifanele ngokuya ngemisebenzi anayo kusukela ngalolo suku kuqhubeke.
Ukunyuka kwempesheni okumangazayo
Uma sikhumbula okuncane, kusukela ngo-2007, izimpesheni bezilokhu zincipha futhi zilahlekelwa yilo lonke inani ebelinalo zaze zafika ezingeni ebelingasimami. Ngo-2011 kuphela, impesheni yenyuka ngo-0.42 kodwa ayiphindanga yabona okunye ukunyuka.
Ukubuyekezwa kwempesheni: uma izinto zingaguquki, okubi kakhulu kuseza
Okwamanje, akayeki ukukhuluma ngokunyuswa kwempesheni namandla okuthenga aphezulu, okusho ukuthi abantu abaningi sebeqalile ukucabanga ngokwanda okuhle kubo. Kodwa-ke, ngokusho kongoti, okwenyuka ngokushesha yizindleko zokuphila, ngakho-ke noma bekungaba nokwanda kwempesheni kusasa, bekungeke kube njengokuthuthuka kepha kube njengokudla. Isibonelo, yize izindleko zikagesi zingakhuphuki, izikweletu ziya ngokuya zikhuphuka.
Kochwepheshe bezomnotho, ukukhuphuka kwempesheni ukungabi bikho kokunyuka kwe-CPI okusetshenziselwa ukukhokhwa kwezintela nezinye izimpesheni zokunxephezela ezinikezwayo. Futhi ekudleni okunqunywa yinkantolo yomndeni. Kodwa-ke, kulolu hlobo losizo, i-0% nayo inqunyelwe kukho konke. Ngokusho kochwepheshe bezomnotho, lokhu akuyona into yokuzigqaja ngayo, kodwa yinto esitshela ukuthi izwe liya ngokuya liba libi nokuthi manje bafuna ukuzithethelela ngokwenyuswa kwempesheni, okuyinto, kude nokuba yisipho noma isimanga, bekuyinto yokusinda .
Mayelana nokuhlukahluka kwe-CPI okukhona kusukela ngo-2007, lokhu bekungu-4%. Kusukela lapho, kube nokwanda okungu-2 nakulo ka-3,14 ka-2016. Lokhu kusitshela ukuthi konke abahola impesheni eSpain bebelokhu belahlekelwa yinani lamasheya abo nokuthi cishe zonke izinkampani ezweni ziyiphindaphinde inzuzo yazo.
Isibonelo
Abahola impesheni njengamanje abagcwalisa ifriji labo, impela eminyakeni edlule bakuqaphelile ukunyuka okuncane kwentengo yokudla, imali yerenti nemithi, kodwa-ke, impesheni ihlale imile. Noma ngabe imali yakho yempesheni uyinyusa ngo-0.25%, ekugcineni usazoba nemali encane ngoba izinga lempilo lizoqhubeka nokukhuphuka.
Ochwepheshe basimema ukuba sizibuze umbuzo futhi lokho ngukuthi ngabe izinga lempilo belingakhuphukanga ngokushesha okungaka, Ngabe impesheni ngabe igcinwe ku-zero?
Imiphi impesheni ezokwenyuka
Manje siya esihlokweni se- izibikezelo nokuthi sicabanga ukuthi zizokhuphuka noma zehle kangakanani. Into yokuqala okufanele uyikhumbule ukuthi konke kuyesikhashana kususelwa kudatha esiyaziyo kuze kube manje. Sizokhuluma ngezimpesheni eziphansi neziphezulu, sazi ukuthi kungenzeka ukuthi inani elizokhuphuka lingu-0,25% uma kuqhathaniswa nonyaka odlule.
Lezi zindaba zikhishwe yizabelomali zombuso ezijwayelekile zalo nyaka ka-2016 futhi bathe kungenzeka ukuthi ngonyaka olandelayo bazohlala ku-0.25.
Yize kungukukhuphuka okuncane, kungukuthi Kucatshangwa umthetho ukugcina ukusimama kwempesheni. Sekukonke, lokhu kungukwanda kwama-euro ayizigidi ezingama-272 kulo lonke elaseSpain.
Kubantu abazothola impesheni ephezulu, inani lizoba ngama-2,500 636 euros, inani eliphansi lempesheni elizokhokhiswa ama-euro angama-XNUMX.
Abantu abanempesheni ye-mileurista bangaqaphela ukwanda kwama-euro angu-2,5 kuphela ngenyanga. Kodwa-ke, kubantu abathola impesheni encane njalo ngenyanga, ukwanda kuzoba ama-euro angu-1,5 kuphela.
Lokhu kusitshela ukuthi yize sinyukile kulo nyaka, ukukhuphuka akuhambisani nezindleko nokwenyuka kwempilo esinakho njengamanje.
Futhi ngeke babe nenye imali ethe xaxa yokubasiza ngegebe lentengo futhi ukwanda cishe kucishe kungabi bikho.
Kuzonyukelaphi ukwenyuka kwalo nyaka u-2016
Ngokusho kombuso, bagxila ekwenyukeni okukhulu kakhulu kwempesheni yonyaka onayo isamba esingu-135.448,93 wezigidi zama-euro. Kepha okwamanje, yindlela izimpesheni ezingo-2016.
Ochwepheshe bathi ukucabanga ngamathuba omshwalense wokuphila emindenini nakumuntu oyiqashayo kwazise inkinga yempesheni iya ngokuya iba yimbi.
Izimpesheni zizohlukaniswa kanjani eSpain ngo-2016
Abadala
El UMnyango Wezemisebenzi Nokuvikeleka Komphakathi, Ithi ukukhushulwa kwempesheni kuzokwenziwa ngemali engaphezu kuka-9 million yempesheni enikelwayo kanye nezimpesheni ezingama-440.000 ezinganikeli. Izinzuzo eziyi-185.000 zizophinde zinikezwe imindeni enezingane ezincikene lapho ingane ikhubazeka khona.
Mayelana ne- izimpesheni ezinikelayo, ngaphezulu kwezigidi ezinhlanu kuzoba kubantu asebethathe umhlalaphansi kanti ngaphezulu kwezigidi ezimbili kuzoba ngabantu abalahlekelwe ngophathina babo futhi abazonikezwa njengabafelokazi. Izimpesheni eziyizinkulungwane ezingama-5 kuphela ezizonikezwa abantu abakhubazeke unomphela nabangu-2 ngenxa yesimo sobuntandane. Izinzuzo ezingama-940 zizonikezwa imindeni.
Ngakho-ke, ukubuyisa le ngxenye yokugcina, uma uqoqa impesheni engama-635 euros, inani ozolithola ekwandiseni impesheni yakho kulo 2016 lizoba yi-1,5 noma i-1,6 euros ngenyanga.
Isibonisi esiyinkimbinkimbi
Kusukela ezinsukwini zokuqala zalo nyaka, bakwazile ukuthola izinkomba ezahlukahlukene ezibonisa ukuthi impesheni izobuyekezwa, kwazise umphumela wokufakwa esikhundleni kwempesheni wawumuhle, Kodwa-ke, izibalo bezihlukile njengoba inani labantu abanezimpesheni, imali engenayo kanye nezindleko zalezi zimpesheni, sezivele zengeza cishe ezigidini eziyi-9 futhi kubonakala ngathi ziyanda.
Okuzanywa nokungakatholakali kuze kube manje ukuthi ukuvuselelwa kuyahambisana nebhalansi nezindleko zokuphila. Lokhu kusitshela into eyodwa kuphela, ukuthi izikhathi zobunzima zizolungiswa ngezikhathi lapho umsebenzi kahulumeni unwetshwa ngokususelwa empeshenini.
Manje sesingalindela izinto ezimbili, ukuthi ukubuyekezwa kungu-0.25% noma ngabe kuyimali encane kakhulu noma kukhuphuka kwe-CPI ka-0,5% okusetshenziswa ezikhathini ezihamba phambili zezwe.
Yize uhulumeni eseshilo ukuthi ukwenyuka okukhulu kakhulu kuzokwenziwa ngonyaka ozayo, ongoti bathe kungenzeka ukuthi baphinde babe ngu-0.25% kwazise yiphethini esilandelwe kuze kube manje, cishe alukho ushintsho.
Yini ongayilindela kusuka manje
Njengoba sesishilo engxenyeni engenhla, ukwanda iningi labantu baseSpain asebethathe umhlalaphansi abazoluthola kulo nyaka ka-2016 akumangazi noma ngubani, kungukunyuka kwama-1,5 euros ngenyanga, okuyimali eyihlaya ngempela uma Sengeza ukwanda kwamanzi, ugesi, intela, imoto nophethiloli okwenziwe ekuqaleni konyaka futhi okudlula kakhulu le mali; okusho ukuthi abantu abathola impesheni ezimweni eziningi abakwazi ukugcina isimo sempilo esimaphakathi. Ngisho nasezimpeshenini eziphakeme kakhulu ezingaphezu kwama-euro angama-2,000 2,5, ukwanda kuzoba okuphawulekayo njengoba ukwanda kwalawa macala kuzoba cishe ngama-5 euros; futhi inani elihlekisayo uma siliqhathanisa nokwanda kweminyaka edlule yama-euro angaphezu kwama-XNUMX.
Umnyango wezomnotho uyakhuluma
Ngokusho koMnyango Wezomnotho, balungiselela ukwanda okuphezulu kakhulu ngonyaka ozayo, yize ochwepheshe bengenalo ukholo olukhulu kuwo futhi bakholelwa ukuthi izinto zizohlala zinjalo ngenxa yephethini eyenzekile eminyakeni edlule nokuthi iyaqala kuya ngokuya kuvame kakhulu.
Ukwanda komthetho
Masikhumbule ukuthi ukwanda kwempesheni ngokomthetho yibuncane obukhuphukayo, okungukuthi, u-0.25% futhi yize izinga lempilo liqhubekile nokukhuphuka, akukaze kube khona ukukhuluma ngokunyusa ama-% ngonyaka kwabahola impesheni.