Emisebenzini yemakethe yamasheya, akudingekile kuphela ukuthi kubhekwe izinzuzo imisebenzi engaletha. Uma kungenjalo, kunalokho, kuyadingeka ukuthi wonke amakhomishini nezindleko ziphathwe futhi zigcinwe. Ngokwezinga lapho lezi zimali zizokwehliswa kusuka kuzindleko eziphelele zokunyakaza okwenziwe ezimakethe zezimali. Kungumsebenzi wokubalwa kwezimali okufanele ukwenze ukukhombisa ukuthi iyiphi i- inzuzo ephelele hhayi ngokweqile ukuthi uthole ekugcineni. Ukuze ngale ndlela ungatholi isimanga esingajwayelekile lapho wenza ukubalwa kwemali kwakho konke ukusebenza emakethe yamasheya.
Ngoba, ngokwesibonelo, ngokusebenza okulinganiselwa kuma-euro ayi-100.000, cishe ama-euro angama-625 kuzodingeka akhokhelwe amakhomishini ahlukahlukene. Ngakho-ke i- inzuzo yangempela Akusikho lokho okubone kusengaphambili. Uma kungenjalo uthola ngemuva kokwenza izaphulelo lezi zindleko ezinokusebenza konke kunoma iyiphi imakethe yezezimali. Hhayi emakethe yamasheya kuphela, kodwa nakweminye imikhiqizo yezezimali, njengezimali zokutshala imali, izimali ezithengiswa ngokushintshisana, okuphuma kanye neziqinisekiso. Akekho kubo okhululekile, njengoba kunengqondo ukucabanga.
Ngakolunye uhlangothi, kufanele futhi wazi ukuthi ukuthengiswa kwamasheya akunakho ukugodla, kepha ngokubuyisela kufanele ukhokhe esitatimendeni semali engenayo. Lesi yisimo esikhonjiswa kweminye imikhiqizo ehloselwe ukutshalwa kwezimali futhi okufanele usilindele uma ngabe bethanda kakhulu ukuqasha ukwelashwa kwentela. Ngoba impela, i- intela Kungenye into okufanele uyihlaziye lapho utshala impahla yakho. Ngoba kungaba nomphumela obambezelekile ongaba nentshisekelo enkulu yokwenza. Kuya ngephrofayili oyethula njengomtshalizimali omncane naphakathi.
Intela nenzuzo yangempela
Ukuzuza kwemali emakethe yesitoko umehluko omuhle phakathi kwentengo yokuthenga nokuthengisa amasheya. Kepha akukaze kukhombise iqiniso mayelana nemali eya ku-akhawunti yamanje yabatshalizimali abancane nabaphakathi njengoba kuyindaba yakho uqobo. Ngakolunye uhlangothi, wonke amakhomishini nezindleko zokuphatha noma zokulungisa umsebenzi ngamunye ohilelekile kufanele wehliswe. Ngakolunye uhlangothi, ukuphathwa kwentela kwale mibutho. Njengomphumela wakho konke lokhu kusebenza, kuzophethwa ngokuthi izinzuzo aziyona inetha, kodwa kunalokho zinkulu njengoba izindleko zezindleko kuzodingeka zehliswe ukuze zithole ekugcineni ngenzuzo yangempela yokusebenza okwenziwa ezimakethe zezimali.
Ukusika kokuqala okuzodingeka ukuthi abasebenzisi babhekane nakho yikho okususelwa ekusebenzeni kwe- ukuthengiswa esitokweni ISpanishi. Aziveli kuphela emthonjeni owodwa wezindleko, kepha zivela eziningana. Ngaphezu kwalokho, ingxenye enhle yamakhomishini izothinta kabili, kokubili ekuthengeni nasekuthengiseni. Okubaluleke kakhulu yilokho okuphathelene nezindleko zokulamula. Yilabo abakhokhiswa yizinhlangano zezezimali okwenziwa ngazo imisebenzi. Kumele ubacabangele kusukela manje ukuze ungathathi isimanga lapho bekukhokhisa esikhungweni sezezimali.
Amanani okusebenza emakethe yamasheya
Awekho amanani ahleliwe, kepha ancike kumxazululi ngamunye ozodinga ukushicilela amanani abo futhi awathumele kuNational Securities Market Commission (CNMV). Bahamba phakathi kwe- 0,20% no-0,40% ngenani elisebenzayo lomsebenzi ngamunye. Lokho wukuthi, ekutshalweni kwama-euro angama-100.000, kuzoba nokukhishwa okulingene kwama-euro angama-300 futhi lokho kuzofanele kusetshenziswe kabili, ngesikhathi sokuthengwa nokuthengiswa kwamasheya. Kunoma ikuphi, la ma-margins wezohwebo angancishiswa ngokusebenzisa abalamuli bedijithali njengamanje abanokunikezwa okuhle kakhulu kokusebenza ezimakethe zezezimali.
Imali ekhokhelwa ukukhokhelwa kwemali ingenye yezindleko ezihleliwe ezihilelekile kunoma yikuphi ukuthengiselana ngamasheya. Kuyisilinganiso esimisiwe esisetshenziswe ngabalamuli bezezimali abangu-0,0026% kunani lomsebenzi. Ngobuncane bama-euro angu-0,10 kanye nenani eliphakeme lama-euro angu-3,50. Kuzobandakanya izindleko ezinganakwa kepha kuzoba yisibopho ukwenza konke ukunyakaza ezimakethe zezimali. Kulokhu kufanele kungezwe i- imali yesikhwama ISpanish futhi lapho amabhange aphethe ukwenza lo msebenzi angaphandle. Kusetshenziswa ama-tranches, ama-1,10 euros wokusebenza angaphansi kwama-euro angama-300 nobukhulu bama-euro angu-13,40 ngamanani angaphezu kwe-140.000 euros. Ekugcineni, kukhona nekhomishini eyaziwa ngokuthi yi-custody. Kuyinto ephansi kunazo zonke futhi inani lamanani alo aphakathi kwama-euro angama-3 no-9 ngonyaka cishe.
Ukusetshenziswa kwemali emakethe yamasheya
Izindleko ezijwayelekile zokuthengiswa kwesabelo (ezibiza ama-euro ayi-100.000) zizomela inkokhelo yokugcina nge-akhawunti engaba ngu-625 euros. Izokwehliswa emalini etholakalayo eyenziwayo ekusebenzeni okwenziwe. Kodwa-ke, ngeke kube ukuphela kwemali ekhokhelwa abatshalizimali okufanele babhekane nayo ngoba ukuphathwa kwentela kwalokhu kutshalwa kwezimali nakho kuzodala izindleko eziyimpoqo. Hhayi ngoba begodla, okungavumi, kepha ngoba kufanele bakhokhelwe ku isitatimende seholo. Ngoba leso ngesinye isici okufanele usicabangele futhi lokho kungukuthi kufanele wazi ukuthi ukusebenza ezimakethe ezehlukene zezimali ngeke kube nenye indlela ngaphandle kokuyimemezela ngombono wentela. Akumangalisi ukuthi imiphumela yayo ingaba mibi kakhulu kuzintshisekelo zakho.
Inzuzo eyinhloko, eyenzeka lapho intengo yokuthengisa iphakeme kunaleyo yokutholwa, ikhokhiswa intela njengemali engenayo evela kulondolozwe Intela Yengeniso Yomuntu (IRPF). Kepha hhayi ngaso sonke isikhathi ngendlela efanayo ngoba isilinganiso sentela esiphakathi kuka-19% no-23% sisetshenziswa kuso. Ngezigaba ezahlukahlukene ezizosuselwa ekuzuzeni kwemali etholwe ngonyaka ofanayo. Ngale ndlela, umholo ofinyelela kuma-euro ayizi-6.000 uzokhokhiswa intela okungenani, ube ngu-19%; phakathi kuka-6.000 no-24.000 euros kuma-23% nakububanzi obukhulu, kusuka kuma-24.000 euros, bazoba nentela ka-24%. Kodwa-ke, kunomehluko omncane enteleni yakho futhi lokho ngeke kwenzeke ngesikhathi sokuthengisa. Kepha kunalokho, kuzofanele bakhokhelwe lapho benza isitatimende semali engenayo sonyaka ozayo.
Imali etholakalayo evela ekusebenzeni
Njengomphumela wazo zonke lezi zindleko ezingaguquki, umsebenzi ovezwe ngenhla uzokhipha ukukhishwa kwama-euros acishe abe ngu-3.000 10.000 ukuthola inzuzo eyinhloko yama-euro ayi-7.000. Ngalokho ekugcineni inzuzo ephelele yokusebenza emakethe yamasheya izoba yi-30 kuphela. Okungukuthi, ngaphansi kuka-XNUMX% kunemali etholwe ezimakethe zezezimali. Noma kunjalo, njengamanje unayo amasu aphumelela kakhulu ukunciphisa lezi zindleko ezingafuneki engxenyeni yakho. Imayelana nokwenza imisebenzi njengoba ungakaze wenze ngaphambili. Ngoba ungakhohlwa ukuthi izimfihlo ezimakethe zamasheya azikho, ngaphezu kwalokho okutholayo ekusebenzeni ngakunye okwenziwayo.
Esinye isici okungafanele usikhohlwe ukubala ukuthi yisiphi isigaba se- umholo nezindleko emisebenzini ngayinye yemakethe yamasheya oyenzayo unyaka wonke. Izokunikeza cishe noma kancane imiphumela yokuhlinzwa. Okubi kunakho konke kulapho ulahlekelwa yimali ekuthengisweni kwesitoko noma eminye imikhiqizo yezezimali. Ngoba kuleli cala elithile umthombo wezindleko uzophindwa kabili. Ngakolunye uhlangothi, lezo ezikhiqizwe umsebenzi uqobo futhi ngakolunye uhlangothi lezo ezakhiwe amakhomishini nezindleko ekuphathweni nasekugcinweni kwawo. Ngalesi sizathu, akumangazi ukuthi ingxenye enhle yabatshalizimali igcina umbono wokuthi ukutshala imali ngaso sonke isikhathi kubandakanya ukufaka inani elihle lezindleko.
Ungayisebenzisa kanjani imisebenzi?
Kodwa-ke, ungalandela uchungechunge lwemikhombandlela noma amathiphu wokunciphisa le misebenzi ezimakethe zezimali. Vele, ngeke zikulahlekisele umzamo okweqile futhi esikhundleni salokho umvuzo unganelisa kakhulu ngezintshisekelo zakho. Phakathi kwezinye izizathu ngoba uzoqukatha izindleko zama-euro amaningi. Njengakulezizenzo ezilandelayo esikuvezela zona ngezansi.
- Kungcono ukhethe i- imisebenzi kazwelonke esikhundleni samazwe aphesheya. Zishibhile futhi zingaba nenzuzo enkulu kakhulu.
- Zama ukuqoqa yonke imisebenzi yakho yokuthenga nokuthengisa eyodwa kuphela. Kuyisu lokuthi amakhomishini angabi phezulu kangako. Ngokuhambisa umugqa okulula kakhulu kuhlelo lwakho lokusebenza.
- Ungaya ku- ofertas ukuthi amabhange abelokhu athuthuka nokuthi amanani aphansi kakhulu. Ngaphandle kokudela noma iyiphi insizakalo noma ukuhlinzekwa.
- Uma ungaqiniseki ngokushayela imakethe yamasheya, umqondo omuhle kakhulu ungaba ungenzi lo msebenzi. Ngoba kufanele ukhumbule ukuthi kungaba izindleko ezingadingekile. Futhi lokho kungangezwa ekulahlekelweni ongakukhiqiza.
- Imayelana nokwenza imisebenzi njengoba ungakaze wenze ngaphambili. Ngoba ungakhohlwa ukuthi izimfihlo ezimakethe zamasheya azikho, ngaphezu kwalokho okutholayo ekusebenzeni ngakunye okwenziwayo.