Iyini isilinganiso esincane sentela yeholo lomuntu siqu

Izinga eliphansi lentela engenayo yomuntu siqu alifani nezinga elisebenzayo

Uma kuziwa ekugcwaliseni imbuyiselo yentela yemali engenayo, amagama amaningi adidayo avela, okungenani kubantu abangaqondi okuningi mayelana nezinombolo, izintela namaphesenti. Enye yakamuva edonsa ukunakwa okukhulu uhlobo oluseceleni. Sazi kanjani ukuthi yimalini okufanele siyikhokhe? Ihluke kanjani ohlotsheni olusebenzayo? Ukukukhulula ekungabazeni, sizokuchaza ukuthi liyini inani lemali etholakala enteleni yomuntu siqu.

Inhloso yalesi sihloko akukhona nje kuphela ukuphendula le mibuzo, kodwa futhi ukuchaza ukuthi iyini intela yentela yomuntu siqu, isilinganiso esilinganiselwe kanye Kusithinta kanjani isitatimende semali engenayo? Uma ufuna ukwazi okwengeziwe ngale phesenti, ngincoma ukuthi uqhubeke ufunda.

Iyini intela yomuntu siqu?

Izinga le-marginal ku-IPRF lingamaphesenti aphezulu kakhulu esiwakhokhayo

Ngaphambi kokuchaza ukuthi iyini intela yemali engenayo yomuntu siqu, sizoqala siphawule ngokuthi iyini ngempela leyo mali. Lena I-Personal Income Tax (IRPF), okungukuthi, intela bonke abantu bemvelo abahlala e-Spain abaphoqelekile ukuyikhokha. Lokhu kusetshenziselwa imali engenayo abayithole phakathi nonyaka wekhalenda. Kufanele kuqashelwe ukuthi le ntela isekelwe ezimisweni zentela zamandla omnotho, inqubekelaphambili kanye nokujwayelekile.

Ukwengeza, unyaka wonke, i-Tax Agency ibeka eceleni ingxenye yemali ekhokhwayo kanye nenye imali engenayo, okungaba intela yomuntu siqu. Lokhu ikwenza ngendlela yokuvimbela ukuthi lowo muntu okukhulunywa ngaye uzoyikhokha ngani kamuva emgwaqeni ofanayo ngesitatimende semali engenayo. Ngakho ungathi le ntela esiyikhokhiswa nyanga zonke kuyinkomba yalokho zonke izakhamuzi zaseSpain okuyodingeka zikukhokhele kuMgcinimafa.

Kumele kuqashelwe ukuthi kufanele sikhokhe ngaphezulu noma ngaphansi, kuye ngenani lemali esithuthuke ngayo ngokusebenzisa izintandokazi. Uma kwenzeka sesikhokhe imali ethe xaxa, i-Tax Agency izogcina isibuyisela umehluko kithina uma sesenze isitatimende semali engenayo. Kunalokho, uma sisadinga okuthile ukuze sifinyelele inani okufanele silikhokhe, kumelwe sikukhokhe.

I-IRPF intela yemali engenayo yabantu bemvelo
I-athikili ehlobene:
Iyini intela yeholo

Ngalolu hlobo lokubamba, uHulumeni uyaqinisekisa ukuthi sonke sithobela izibopho zethu zokukhokha ngaleyo ndlela sikwazi ukuzikhokhela. Phela izintela zasungulwa ngalokho. Kodwa obani ngempela abakhokhi bentela be-Personal Income Tax? Kanjalo, yibo bonke labo bantu bemvelo abajwayele ukuhlala eSpain noma abahlala phesheya kodwa ngemishini yokuxhumana, basungula phesheya noma amahhovisi enxusa.

Isitatimende semali engenayo sihlanganisa isamba se izingxenye ezintathu okufanele kukhokhwe ngentela yomuntu siqu, yilezi ezilandelayo:

  • Kuthela
  • Izinzuzo zemali kanye/noma ukulahlekelwa
  • Izibalo zeholo

Izinga eliphansi lentela engenayo yomuntu siqu

Izinga elilinganiselwe lentela engenayo yomuntu siqu liwukugodla okwengeziwe kanye nobukhulu okufanele umkhokhi wentela akukhokhe

Manje njengoba sesazi ukuthi iyini intela yeholo lomuntu, sizochaza ukuthi iyini isilinganiso esilinganiselwe entela engenayo yomuntu siqu. Imayelana ne ukugodla okwengeziwe nokuphezulu okumele umkhokhi wentela akukhokhe okubuzwayo uma ehola noma kuyi-euro eyodwa ngaphezu kwalokho okusungulwe ezingeni elihambisanayo lemali engenayo. Njengoba kuyintela eqhubekayo, amanani okubamba ahlukaniswa abakaki abahlukene. Ngamunye wabo ukhokhiswa intela kwelinye iphesenti, elikhulayo. Kukhona nalokho okuthiwa isilinganiso esisebenzayo, okuyisilinganiso sokubamba esihlobene nemali engenayo yonyaka eshiwo umkhokhintela.

Athini amabakaki entela engenayo?

Njengoba sesishilo ngaphambili lapho sichaza ukuthi iyini isilinganiso esilinganiselwe enteleni yomuntu siqu, kunezigaba ezahlukene ezisungulwe i-AEAT (I-State Tax Administration Agency). Sizobabona ngezansi, kodwa ngendlela ejwayelekile. Kufanele kuqashelwe ukuthi umthwalo wemfanelo wokuphatha nokuqoqa ingxenye yentela uwela emiphakathini ezimele. Ngenxa yalokhu, bangakwazi ukuguqula imilenze futhi basebenzise amanani abo. Yebo kunjalo, kunesilinganiso esiphezulu esibekwe uHulumeni:

  • €0 – €12.450: 19% izinga le-marginal
  • €12.450,01 – €20.200: 24% izinga le-marginal
  • €20.200,01 – €35.200: 30% izinga le-marginal
  • €35.200,01 – €60.000: 37% izinga le-marginal
  • Ngaphezulu kwama-€60.000: 45% izinga le-marginal
I-athikili ehlobene:
Imigqa ye-IRPF

Manje sesiqonda ukuthi ama-tranches kanye ne-marginal rate ayini, kubalulekile ukuthi sazi ukuthi singayihlukanisa kanjani nenani elisebenzayo. Nakuba eyokuqala iyinani eliphezulu umkhokhintela okukhulunywa ngalo ngengxenye yeholo lakhe, eyesibili imele isilinganiso sokubamba esisetshenziswa esitatimendeni semali engenayo yomkhokhintela.

Izinga le-marginal lisithinta kanjani isitatimende semali engenayo?

Njengoba izinga le-marginal lihlelwa ngentela yeholo lomuntu siqu, uma sithola imali eyengeziwe, sizokhokha kakhulu, njengoba amaphesenti akhuphuka njengoba isigaba sikhula. Ngamanye amazwi: Uma isibalo semali engenayo siphezulu, izintela ezengeziwe kuzodingeka sizikhokhe kuMgcinimafa. Ngakho-ke ukubaluleka kwesilinganiso se-marginal akukona okuncane lapho wenza isitatimende semali engenayo. Ukuze sikuqonde kangcono, sizonikeza isibonelo lapho sizosebenzisa khona amanani ajwayelekile oMbuso futhi sesivele sehlise isaphulelo seminikelo Yokuvikeleka Komphakathi futhi ngaphandle kokubanjwa kwemali efanele:

Kwenzekani uma ngihola kodwa kungadingeki ukuba ngifake isitatimende?
I-athikili ehlobene:
Kwenzekani uma ngihola kodwa kungadingeki ukuba ngifake isitatimende?

Umkhokhi wentela umemezele isamba semali engenayo engama-euro ayizinkulungwane ezingama-38. Kule mali, ama-euro okuqala angu-12.450 awakhokhi intela. Nokho, ku-€25.550 esele, uthe umkhokhi wentela kufanele akhokhe u-24% ku-E7.750 yokuqala, okungaba yi-€1.812 isiyonke; U-30% we-€15.500 elandelayo, ongalingana no-€4.650, kanye no-37% kuma-Euro angu-2.300 asele, okungaba enye i-E851.

Isamba esiphelele lala maphesenti, okuyinto ekugcineni umkhokhi wentela esibonelweni okufanele ayikhokhe, ama-euro ayi-7.313. Lesi samba silingana ne-19,25% yama-euro ayizinkulungwane ezingama-38 amenyezelwe. Ngakho-ke, izinga elisebenzayo, okungaba isilinganiso, lilingana no-19,25%. Kulesi sibonelo, izinga eliphansi lizoba ngu-37%, ngoba yiphesenti eliphezulu okuye kwadingeka likhokhe.

Ngiyethemba ukuthi ngalolu lwazi sekucacile kuwe ukuthi inani le-marginal liyini intela yentela yomuntu siqu kanye nokuthi ukubalwa kwamabakaki namazinga kwenziwa kanjani. Khumbula ukuthi uhlale unenketho yokuya ejentini ukuze licubungule isitatimende sakho semali engenayo, uma ungaboni ukuthi usenza kanjani ngokwakho.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.