Udaba lokuthi yini i- izimali ezinhle kakhulu zokutshala imali sekudume kakhulu ngokuhamba kwesikhathi ngoba uhlobo lokutshala imali Ibe ngesinye sezimo ezinamandla kakhulu emhlabeni wezomnotho. Ukutshala imali ku imikhiqizo emisha kanye nohlobo lwezingozi abaningi abakhona njengamanje, sebenze abantu abaningi banquma ukuthutha imikhiqizo elondolozayo efana nezimali ezihlanganyelweyo.
Ukufinyelela kufayela le- izimali zokutshala imali eziqinisekisiwe, imvamisa kufanele uphendule kuphrofayili ethile abantu abaningi abangenayo, futhi njengamanje izinto ziba nzima kakhulu, ngoba nge inzuzo yamadiphozithi phansi kanye nokuthuthuka kwesikhashana okumbalwa.
Ngokusobala, izimali zokutshalwa kwezimali eziqinisekisiwe, ngazo zonke izinketho zazo, ziphendula kwifomethi ye- imininingwane ethile yomsebenzisi, kepha, ngesikhathi esifana nesamanje, ne inzuzo yamadiphozithi phansi futhi amathuba ambalwa okuthuthuka esikhathini esifushane, azikho izisindisi ezimbalwa ezibhekisa amehlo azo kule mikhiqizo yokutshala imali.
Uma ufuna ukuqasha i- isikhwama sokutshala imali esiqinisekisiwe, Ngaphambi kokwenza kanjalo, sizokhuluma nawe ngefayela le- Amaphuzu ayisi-6 abalulekile okufanele uwazi ukuze konke kuvele ngendlela efanele.
Izikhwama Zokutshalwa Kwezimali Eziqinisekiswe Kakhulu
Ngabe izikhwama zokutshala imali eziqinisekisiwe zithakazelisa nini?
Izimali zokutshala imali eziqinisekisiwe azilungele wonke umuntu, ngakho-ke kufanele zinakwe iphrofayli yomsindisi. Kufanele wazi ukuthi unayo ngempela i- ikusasa ngaphakathi kwezimali yomuntu oshiwo noma ozobe esekhohliwe njengo umkhiqizo wesibili webhange.
Ochwepheshe beluleka abantu abasaqala ngezimali eziqinisekisiwe ukuthi bangaqali ngazo imigomo engaphezu kweminyaka emihlanu. Lokhu kungenxa yokuthi kulesi simo esikhona njengamanje nangezimakethe njengoba zethulwe, kungcono ungabhejeli ekuguqukeni kwesikhathi eside lapho iqala.
Isikhalazo se izinhlobo zokutshalwa kwemali okuqinisekisiwe Kukuzimo ezinikezayo. Imvamisa into ebaluleke kakhulu iyabhekelwa nokuthi lelo bhange liqinisekisa iningi lenhlokodolobha, ngoba kungenjalo, kusho ukuthi ibhange ngeke likwazi ukusinikeza noma yini esivuna thina. Izinhlangano eziningi, ukuze zinikeze inani elikhulu lemikhiqizo kubantu abaningi ngokwengeziwe, zinikela izimo zibonakala kakhulu izisindisi ezithi uma zibonwa eduze zingabi nzuzo njengoba bekucatshangwa ekuqaleni.
La ukukhohlisa ekukhetheni amanani noma imikhawulo yokwenyuka zivame futhi zivame ukudlala nomuntu thenga utshalomali.
Kufanele futhi uqaphele kakhulu amasheya abuyiselwe ngaphambi kokuphelelwa yisikhathi, ngoba lokho akuqinisekisiwe. Lokhu kusho ukuthi inani lempahla lilonke elisetshenzisiwe ekusetshenzisweni lingaba ngaphansi kuka amandla okuhlala aqinisekisiwe.
Lokhu kusho ukuthi azikho kulezi zimali ezingaba khona hlenga ngaphambi kokuvuthwa ngaphandle kokulahlekelwa yimali.
Amakhomishini ezikhwama zokutshala imali eziqinisekisiwe
Uma kufika tshala imali kwizimali eziqinisekisiwe, amakhomishini ezikhwama angenye yamaphuzu abaluleke kakhulu okufanele siwazi. Ngaphezu kwalokho, ingenye yezingxenye ezidukisa kakhulu, ngoba yize ekuqaleni zibukeka zinamanzi amaningi, ekugcineni zigcina zingumthwalo omkhulu wenzuzo encane etholakala kuzo. Izimali ezimbi kakhulu yizona ezigcina kakhulu lapho inzuzo ingenye yezinto eziphansi kakhulu emakethe. Ngakho-ke, kufanele sigxile kakhulu kunanini ngaphambili kumakhomishini womkhiqizo, okuyikhona okungasinika izinkinga ngokuhamba kwesikhathi.
Ngokuqondile, le mikhiqizo inayo izinhlobo ezine zamakhomishini:
- Labo abaphathi, lapho inani eliphezulu lingakhokhiswa khona ngonyaka nge-2,25 yokulingana
- Ikhomishini yokubhalisa, lapho amakhomishini wokungena abonakala uma kuphela unyaka wokuqala futhi afinyelela ku-5%.
- Amakhomishini okubuyiselwa imali lapho imali ingakhishwa khona ngaphambi kokuphela kwesiqinisekiso futhi anenani eliphezulu le-%
- Amakhomishini ediphozi lapho i-0.20 ngonyaka ijabulelwa khona enhlokodolobha etshaliwe.
Ukuphathwa kwentela kwezimali zokutshalwa kwezimali
Mayelana nokuphathwa kwentela, kufanele sinake enye yezinto ebaluleke kakhulu futhi lokho akuhlukile ukulungiswa okusha kwe-IRPF. Lokhu kufanekisela inzuzo enkulu kubo bonke osavimba abasebenzisa izimali zokutshala imali, ngisho nangaphezulu kokufakwa kwemali noma omunye umkhiqizo wezezimali. Ngaphezu kwalokho, zingenziwa Isikhwama sokutshala imali sidlulisela ngaphandle kokukhokha intela.
Intela ayenziwa kuze kube ngumzuzu lapho ukubuyiselwa kwemali kusebenza khona futhi umthwalo wentela ususwa ukuze amanani asetshenzisiwe akwazi ukulahlwa. Ngokuphambene nalokho okwenzekayo nge imikhiqizo yokonga nokutshala imali.
Isici esibalulekile okufanele usicabangele, esingakashintshi ne- Ukuguqulwa kwe-IRPF futhi yini inzuzo enkulu ye izimali zokutshala imali ngaphezu kwamadiphozithi kanye neminye imikhiqizo yezezimali efanayo, kungenzeka ukwedlulisa phakathi kwezimali zokutshala imali ngaphandle kwesidingo sokukhokha intela. Intela yenzeka kuphela lapho i- ukubuyiselwa kwamasheya esikhwama sokutshala imali futhi ngale ndlela umthwalo wentela ususwa kuze kube sekukhishweni kokugcina kwamanani atshaliwe, ngokungafani nalokho okwenzekayo ngeminye imikhiqizo yokulondoloza nokutshala imali.
Izimali zokutshalwa kwezimali eziqinisekisiwe
Yize engeyona enye ye- izinhlobo zezimali ezikhethwe kakhulu ngabantu efuna ukonga, imali eqinisekisiwe ihlala ihamba phambili cishe kuzo zonke izinhlangano.
Isikhathi esihle kakhulu sokuqasha lolu hlobo lwezimali
Ngenxa yezinguquko emnothweni wamanje, akuyona efanelekile kunazo zonke ukuthola izinkontileka eziqinisekisiwe ngalesi sikhathi, kepha izinkampani eziningi zezezimali zilungisa kabusha uhlelo lwazo ukuze zitholakale naku-inthanethi. Izimali ezinhle kakhulu zokutshala imali okwamanje Izimali eziqinisekisiwe ze-BBVA ngeziphakamiso ezinhle nezinzuzo zawo wonke amakhasimende futhi nakuhlinzekwayo kwe- Izimali eziqinisekisiwe ezinikezwa yi-la Caixa. Zombili ziyaqhubeka nokuba phezulu esikhwameni sokutshala imali futhi ngaphakathi kwebhizinisi, ziyaqhubeka njengomkhiqizo oyisihlabani.
Kulezi zimo, iphrofayili yomuntu ongaqasha lolu hlobo lomkhiqizo yilelo lokonga ngolondolozo ongafuni ukuzibeka engcupheni yanoma yiluphi uhlobo ngemali yakhe futhi angafuni ukuyinika ukuhamba okuningi ukuze angahambi ngokusebenzisa izingozi ebezingacabangi ngempela.
Isikhwama sokutshala imali sivela
- Ukusebenza okungaguquki. Izimali zokutshala imali ze-BBVA ezinembuyiselo engaguquki zikunikeza isiqiniseko sokuthi okungenani inani elithile lempahla noma inzuzo etholakalayo iyatholakala ngesikhathi esithile.
- Uhlelo lokuthola imali olungaguquki. Ezikhwameni zokutshala imali ezingaguquguquki, abantu abaziqashayo bafuna ukuthola izinzuzo ekukhokheni ngendlela yemali engenayo yezikhathi ngohlobo lwesiqinisekiso esiphindwe kabili ku-BBVA. Lokhu kubhekisa ku-100% wemali efakiwe kanye nasemalini engenayo yekota.
- Ukusebenza okuguqukayo. Lezi zimali zokutshala izimali ezineziqinisekiso eziguquguqukayo ziyasiqinisekisa ukuthi kuzoba khona ukuvuselelwa kotshalo-mali olwenziwe ekuqaleni futhi ngengxenye exhumene nokuvela kwamasheya noma enye impahla, kubandakanya nezimali.
- Isiqinisekiso esithile. Lolu hlobo lwezimali luthembisa isilondolozi amaphesenti aphezulu enhlokodolobha ayinikeze ekuqaleni futhi okufanele icishe ibe ngama-95%. Ngaphezu kwalokho, kufanele kungezwe isilinganiso sembuyiselo esiguqukayo esitholakala ngesikhathi sesiqinisekiso futhi esixhumene ngokuphelele nokuvela kwenkomba yesitoko.
Izimali zokutshala imali zeLa Caixa
Ezimalini zokutshala imali ze-la Caixa uzothola:
- Ukuphathwa okukhethekile emakethe okwehlisa ubungozi ngezindleko eziphansi kakhulu.
- Kukhona ukufinyelela ezimakethe lapho iklayenti lingakwazanga ukutshala imali ngaphandle kwamathuluzi ahlinzekwa yibhizinisi.
- Bonke ababambiqhaza bangakwazi ukutshala imali noma bahlukanise ngemali encane kakhulu ukuya kumanani amakhulu kakhulu.
- Ukususwa kwemali kusuka emahoreni angama-24 kuye kwangama-48 ngezimali zeCaixa.
- Ungashintsha usuke kwesinye isikhwama uye kwesinye ngaphandle kwemithwalo yentela
- Ungathembela kulwazi lokutshala imali nezeluleko kumakhasimende ngaphandle kokuphazamiseka.
Khumbula ukwehlukanisa kahle kakhulu phakathi kwezimali ezihlosiwe zokuvuthwa nezimali lapho iphothifoliyo iqhubeka ivuselelwa. Noma kunjalo, ungakwazi thengisa futhi uthenge izimali ezihlangene ngesikhathi osibona sifanele.