Umholo noma umholo yingxenye ekhokhwa yinkampani ekupheleni kwenyanga kumsebenzi ngomsebenzi owenziwayo. Kunezinhlobo ezimbili zamaholo, isamba esikhulu kanye nenethi. Eqinisweni, lapho sikhuluma ngokukhokhelwa kwenetha, sisho ingxenye enguketshezi etholwa yisisebenzi ekupheleni kwenyanga. Kodwa-ke, leli nani liwumphumela womholo ophelele ngemuva kokudonswa kwezinye izinkokhelo. Ngalesi sizathu, empeleni, ingxenye ekhishwa yinkampani inkulu kunaleyo yomholo ophelele.
Abantu abaningi babuza izinkampani noma abantu "Uyini umholo wakho?" Noma "Ubiza malini?", Lapho empeleni umbuzo unganembile. Abanye bazokutshela umholo ophelele noma umholo ophelele kanti abanye bazobuza, "Ngabe usho umholo ophelele noma umholo ophelele?" Ingxenye oyogcina uyitholile njengesisebenzi futhi uzobhekana nayo izindleko zakho inyanga ngayinye yileyo yomholo ophelele. Ngalesi sizathu, sizobhekisisa ukuthi itholakala kanjani, izindleko ezidonswayo, futhi mhlawumbe sikusize uxoxisane ngokunyuka kwemali okungaba khona.
Umehluko phakathi komholo ophelele kanye nomholo ophelele
Umholo ophelele yinani eliphelele umsebenzi alitholayo enkampanini ngomqondo wezinsizakalo ezenziwayo. Akukho ukubanjwa okwamanje okusetshenzisiwe kulo mholo. Ngaphezu kwalokho, umholo ophelele ufaka zonke izinkokhelo ezikhokhwa yinkampani ngaphandle komholo oyisisekelo, okungukuthi, uma kunesikhathi esengeziwe, amakhomishini, izengezo zemiholo, imali ethe xaxa, njll. Imibono engeyona eyeholo njengokuthi kukhona izibonelelo, amabhonasi ezokuthutha, isinxephezelo, imihlomulo, njll. Nayo iyangezwa emholweni ophelele.
Ekugcineni umholo ophelele ngu behlisa (bayabamba) iminikelo yokuphepha komphakathi nentela yemali yomuntu siqu, futhi umphumela kuba umholo ophelele. Alukho uhlobo olulodwa lokugodla, futhi kuyehluka kuye ngenkontileka ngayinye, uhlobo lomsebenzi (uma kungokwesikhashana noma unomphela), inani lomholo olitholiwe, kanye nesimo somuntu ngamunye (uma beshadile noma banezingane ). Kukuzo lezo zimo lapho ukugodlwa okulungile kungasetshenziswanga lapho lapho wenza isitatimende semali engenayo kungasivuna noma kungasivuni.
Intela yomuntu siqu engenayo kwimali engenayo nasemholweni okhokhelwayo
Njengoba sike sachaza phambilini, ukubanjwa okuthile kuyasetshenziswa Emholweni Ophelele ngakho-ke sifika Emholweni Omkhulu. Enye yazo intela yomuntu siqu, "intela yomuntu siqu engenayo." Intela yomuntu siqu emholweni okhokhelwayo ingaphambi kwalokhu okuzodingeka sikukhokhe kuMgcinimafa lapho senza isimemezelo. Uma kwenzeka ukhokhe kancane, kuzoba "ukukhokha", futhi uma kwenzeka sikhokhe imali ethe xaxa emholweni wethu, "kuzobuyiselwa".
Lapho kukhokhwa uMgcinimafa, amatafula asetshenziswa ngamaphesenti walokho esizokhokha. Isitatimende sifaka yonke imali etholwayo, hhayi nje umsebenzi. Le phesenti okuzofanele sikhokhe njenge Intela yomuntu siqu isebenza ngezigaba, okusho ukuthi, iphesenti alikho kunani elitholiwe, kodwa ngokwenani lokugcina iphesenti elihlukile ngokuya kwemali oyiholayo. Ukuqonda kangcono ukuthi umholo ophelele utholakala kanjani, sizobona amabanga ahlukene ngamaphesenti akhona.
Izingxenye ezahlukahlukene zentela yomuntu siqu engenayo
- Kusuka ku- € 0 kuye ku- € 12.450: I-19%. Uma umholo wonyaka ungeqi ku- € 12.450, intela yomuntu ngamunye ezokhokhwa izoba yi-19% yenani lemali etholiwe. Lokho wukuthi, uma i- € 10.500 inqobile, kuzokhokhwa i- € 1.995.
- Kusuka ku- € 12.450 kuya ku- € 20.200: Amaphesenti angama-24. Kulokhu, i- € 12.450 yokuqala izokhokhwa ngo-19%, okuzoba yi- € 2.365,50 bese kuthi enye ibe ngu-24%. Uma umuntu ebethole i- € 18.450, kufanele akhokhe ama-24% weqile ku- € 12.450, kulokhu u- € 6.000. Sekukonke, kuzoba yi- € 2.365 (kusuka esigabeni sokuqala) kanye ne- € 50 kusuka esigabeni sesibili, isiyonke yi- € 1.440.
- Kusuka ku- € 20.200 kuye ku- € 35.200: Ama-30%. Njengasesimweni esidlule, sonke isamba sokuqala sizoya ku-19%, bese kuba ngu-24%, kanye nensalela engu- € 20.200 kuye ku-30%.
- Kusuka ku- € 35.200 kuye ku- € 60.000: 37%. Ngokulandelana ifomethi yangaphambilini iyaphindwa, yaleli cala kanye nalezi ezilandelayo.
- Kusuka ku- € 60.000 kuye ku- € 300.000: 45%. Kuze kube muva nje, yonke into eyeqile ku- € 60.000 ikhokhelwe ku-45%. Kodwa-ke, ngezabelomali ezintsha zango-2021 ezenziwe nguHulumeni okhona eSpain, isigaba esisha kulindeleke ukuthi samukelwe.
- € 300.000 noma ngaphezulu: 47%. Lesi sigaba esisha kuzoba yiso esisha esizongena ngonyaka olandelayo ka-2021 lapho kusuka ku- € 300.000 intela izokwenyuka ngamaphesenti ama-2.
Inkokhelo Kwezokuphepha Komphakathi
Amaphesenti akhokhelwe Ezokuphepha Komphakathi, ngakolunye uhlangothi, awacabangi izinga leholo noma umongo womuntu. Ikhokhwa yinkampani kanye nomsebenzi. Inkampani yiyona ekhokha kakhulu (imvamisa i-30% iye ku-40% yomholo ophelele okhokhelwa isisebenzi). Isisebenzi esikhokhelwayo lokho azokuthola yikho ukugcinwa okuvame ukuba phakathi kuka-6% no-7%. Imiqondo ozowacaphuna futhi ngenxa yalokho uzogcinwa yile elandelayo.
- Ukungasebenzi: 1%.
- Izimo ezivamile: 4%.
- Ukuqeqeshelwa ubuciko: 0%.
- Umnikelo owengeziwe wesikhathi esengeziwe: I-2%.
- Ukuphumula kwesikhathi esengeziwe: 4%.
Izinkokhelo ezingeziwe kumholo ophelele
Izinkokhelo ezingeziwe eziphambene nomholo wenyanga, abakhululiwe ekukhokheni i-Social Security. Ngalesi sizathu, abakhululwa ekukhokheni intela yomuntu siqu, ngoba iyingxenye yemali etholwayo unyaka wonke. Ngakho-ke intela yemali yomuntu siqu iyadonswa kubo, kushiye umholo ophelele ngenxa yalokho. Khumbula ukuthi ekukhokheni intela yomuntu siqu engenayo, yonke imali etholwayo phakathi nonyaka iyabhekelelwa, hhayi kuphela leyo etholwe njengeholo. La mabhonasi ayingxenye yomholo wesisebenzi futhi ahlehlisiwe. Ngaphezu kwalokho, lezi zinkokhelo zivame ukwamukelwa kahle yiwo wonke umuntu ngoba zihambisana nezikhathi lapho izindleko eziphezulu zivame ukubhekana nazo. kuvamise ukuthi kube no-2, owoDisemba kube owoKhisimusi bese owoJuni kube owamaholide ehlobo.
Okufanele ukukhumbule ukuthi izinkokhelo ezengeziwe azisona isibopho senkampani, futhi ngayinye ilandela inqubo yayo. Ezinye izinkampani zinezinkokhelo ezengeziwe ezengeziwe, ezifana no-3 ngonyaka, kanti ezinye, ngakolunye uhlangothi, ziyi-1 noma ezinye izimo ngaphandle kokukhokha. Konke futhi kuzoncika ezimeni lapho uqashwe khona.