Isitatimende semali engenayo inqubo yentela okufanele uyenze minyaka yonke. Ngaphandle kwabasebenzisi abaningi, kuzodingeka ungaphenduli kuphela imali engenayo etholwe emsebenzini. Kepha futhi kusuka kwabanye okukhiqizwe kutshalo-mali noma ngisho nasemalini etholwayo yemikhiqizo yasebhange (ama-akhawunti wemali ephezulu, amadiphozi wesikhathi esimisiwe noma yiluphi uhlelo lokonga). Zonke lezi zinkokhelo kufanele ziboniswe esitatimendeni semali engenayo unyaka nonyaka. Ungahle ukwazi ukuphatha le nqubo ngokwakho noma, kunalokho, udinga usizo lwemenenja noma lochwepheshe ukukusiza ukulungiselela le ntela eqondile.
Ukuze uhlanganise yonke imiqondo, akukho okungcono kunokuqonda ukuthi isitatimende semali engenayo siqukethe ini. Yebo, empeleni inqubo yokuphatha okufanele uyenze hlaziya isimo sakho sentela. Kwezinye izimo ngeke kudinge umzamo omkhulu, kodwa kwezinye izimo kuzoba inqubo eyinkimbinkimbi ezodinga ulwazi olujulile ngezinyathelo zentela ezibekiwe onyakeni ngamunye wezimali. Ngoba awukwazi ukukhohlwa ukuthi bonke abakhokhi bentela kufanele basenze njalo isimo sezimali. Ngoba uma kungenjalo, uvezwa izinhlawulo ezinzima.
Ngakolunye uhlangothi, kufanele wazi ukuthi i-Personal Income Tax (IRPF) ibizwa ngokuthi intela eqondile ekhiqizwa yi ukuhola imali. Kwezinye izimo, ngenxa yemali engenayo evela ku-akhawunti yomunye umuntu nakwabanye evela ku-akhawunti yabo. Futhi kuzinzuzo ezinkulu ezitholwe ekulinganeni kwamaqembu anentshisekelo. Lokho okungukuthi, ukuthengisa noma ukusebenza ngokuthengiswa kwempahla. Kepha futhi ngemali engenayo noma ngezinzuzo zomphakathi, ngokwesibonelo ezimweni zokungasebenzi noma izinzuzo zomhlalaphansi.
Isinyathelo sokuqala: ikhalenda
Vele, kufanele wazi izikhathi zokugcina nezinsuku zekhalenda lomkhokhi wentela onyakeni ngamunye wezimali. Akumangalisi ukuthi noma yikuphi ukukhokha sekwedlule isikhathi kungaba nemiphumela emibi kuzintshisekelo zakho. Lesi ngesinye sezizathu ezinkulu zokuthi kungani ungeke ukhethe ngaphandle kokuzazisa ngale ngxenye ebalulekile yenqubo. Ngakolunye uhlangothi, futhi maqondana nalesi sikhathi sezimali, kufanele ubheke izinyathelo ezithile ezizosetshenziswa enteleni yomuntu ozoqala ukusebenza unyaka nonyaka.
Enye into ebaluleke kakhulu maqondana nentela yomuntu siqu engenayo yilokho okubizwa ngentela eqondile ekhiqizwa ngokuthola imali engenayo. Ngomthelela emalini engenayo emsebenzini, kodwa futhi etholakala ku- izimali okwenzile esivivinyweni ngasinye. Ukufika ezingeni lokuthi bakwazi ukulinganisela ama-akhawunti okuzodingeka unikeze ama-akhawunti maqondana noMgcinimafa.
Isinyathelo sesibili: cela okusalungiswa
Isigaba esilandelayo sale nqubo yentela sincike ekuthathweni kwesinqumo ukuthi ngabe unentshisekelo yokugcwalisa isimemezelo nge-Intanethi noma ngokuhlukile, mathupha emahhovisi e-AEAT. Ngakolunye uhlangothi, nakulo nyaka unenketho yokuwenza ube semthethweni ngohlelo lokusebenza lweselula olwenziwe yimigwamanda esemthethweni.
Mayelana neyokuqala yamamodeli, kufanele ukhumbule ukuthi unamasu amathathu wokuyithuthukisa ohlakeni lwethu. Ziqukethe ukusebenzisa isitifiketi se-elekthronikhi noma ngokusebenzisa i-PIN khodi. Kunoma ikuphi, uma usubuyekeze okusalungiswa, uzoba nezinketho ezimbili zokuphothula le nqubo yentela.
Ngakolunye uhlangothi, iqinisekise ngokuzenzakalela bese uqhubeka nokwethulwa kwayo futhi ngakolunye uhlangothi, lungiselela isitatimende sakho. Yizinqubo ezingeke zibe nzima kakhulu ukuzenza futhi ezitholakala kubo bonke abakhokhi bentela. Ukuze ngale ndlela, ukwazi ukuhambisana nezibopho zakho zentela ngendlela efanele nangezikhathi zokugcina ezihambisanayo.
Isinyathelo sesithathu: ungayikhokha kanjani?
Umzuzu obaluleke kakhulu wesitatimende semali engenayo ufikile futhi yiwona ohlobene nokuzihlola kwama-akhawunti akho. Futhi yiyona ekugcineni ezokhombisa ukuthi ngabe kufanele ukhokhe noma ngokuphambene nalokho kufanele ukhokhe inani kwi-akhawunti yakho yokuhlola. Yebo, kulesi simo ngeke ube nakho ikubuze ngezimo ezimbili zalezi zibalo zentela. Ngalo mqondo, uma isitatimende semali engenayo esilandelayo sizobuyiselwa, uMgcinimafa uvamisile ukuthi kuthathe isikhathi esingaphezu kwenyanga ukufaka leyo mali kwi-akhawunti yasebhange enikeziwe. Kunoma ikuphi, leli thuba akufanele leqe ezinyangeni eziyisithupha ngoba lizoba nokukhokhiswa okungaphezulu okufanele futhi kukhokhwe kwi-akhawunti yakho yasebhange.
Ngakolunye uhlangothi, kunesimo esiphambene. Okusho ukuthi, okulimaza kakhulu izintshisekelo zakho ukuthi kufanele ukhokhe uMgcinimafa. Ungakwenza ngokukhokha okukodwa noma ukuhlukanisa kabili. Ukuze usebenzise le fomula, kufanele umane uhlole ibhokisi lokukhokha eliyingxenyeni ekubuyiselweni. Njengomphumela walesi simo, Ama-60% azokhokhwa enkokhelweni yokuqala yenani eliphelele, ngenkathi lesibili lizokwenzeka phakathi nesonto lokuqala likaNovemba, ngokukhokhwa kwama-40% asele.
Isinyathelo sesine: kuthiwani uma kunephutha?
Futhi ungakhohlwa ukuthi ungenza iphutha esitatimendeni semali engenayo. Kuyinto engenzeka ngakho-ke kufanele cabanga ngalesi simo. Lapho kuzodingeka ngokuphelele ukuthi uma ubona noma yiluphi uhlobo lwephutha esitatimendeni sakho semali engenayo, kwaziswa ngokushesha okukhulu kubaphathi bezentela. Kunoma ikuphi, izimo ezimbili zingavezwa ngaphakathi kwalo mongo.
Ngakolunye uhlangothi ukuthi uyi kulimale iphutha futhi lapho kufanele uthumele isicelo sokulungiswa kokuzihlola kwakho. Uzoba nesikhathi esifinyelela eminyakeni emine sokwenza lesi simo sibe sesimeni esifanele futhi ukhokhe nezimali okuyizinto ezibanjwayo.
Ngakolunye uhlangothi, ukuthi uMgcinimafa uyisisulu esikhulu sephutha lakho lapho wenza isitatimende semali engenayo. Uma kunjalo, ngeke uze ukhethe kodwa ukwenza ifayili le- isitatimende esingezelelayo lapho kufanele ufake khona amaphutha owenzile kulo msebenzi wentela. Kepha qaphela kakhulu, kwenze ngokushesha okukhulu njengoba kungakuhlawulisa futhi izinhlawulo zingalimaza izintshisekelo zakho.
Kunoma ikuphi, kunconywa kakhulu ukuthi ugcine wonke amaphepha we iminyaka emine edlule. Ngoba nganoma yisiphi isikhathi bangabuyekeza noma yiziphi izitatimende zengeniso ozenzile. Futhi-ke, ukuzivikela okuhle kakhulu onakho ukuxhaswa kwemibhalo osekele kuyo izibalo zokuqedwa kwengeniso yakho neyobungcweti. Kuhlale kungcono ukuqaphela nganoma yisiphi isehlakalo esingehlela kuwe kusukela manje kuqhubeke. Ungakhohlwa uma ungafuni ukuba nezinkinga neziphathimandla zentela nganoma yisiphi isikhathi.
Uhlelo lukaBABA
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi kusukela ngonyaka odlule uHlelo Lomzali luthathelwe indawo yiRenta Web, ukwenza isimemezelo nge-Intanethi. Ngenye inketho onayo futhi ekuvumela ukuthi uyenze ibe semthethweni online, ngokunethezeka ekhaya noma kwenye indawo. Kunoma ikuphi, uzoba nekhalenda lokwenza lo msebenzi nokuthi kufanele ubuyekeze ukuze ungathathi izimanga ezingezinhle kusukela manje kuqhubeke.
- Presentación: Ungahambisa uhlaka lwentela ebuyiswayo kwi-inthanethi kuze kube yisonto lokugcina likaJuni onyakeni ngamunye wezimali. Kodwa-ke, uma umphumela uzobuyiselwa, uzoba nesandiso esincane kuze kube yisonto lokuqala likaJulayi.
- Uma ufuna ukushintsha noma ukuguqula enye idatha noma amanani afakiwe kohlaka lwakho, ungakwenza kusuka emahhovisi e-Tax Agency uqobo. Noma noma kuyisifiso sakho, ngesivumelwano sangaphambilini ongasifuna kuze kube yizinsuku zokugcina zikaJuni.
- Isiqinisekiso: ngakolunye uhlangothi, ungacela futhi okusalungiswa kwefayela le- qasha ngocingo, ngokusebenzisa izinombolo 901 121 224 (amahora angama-24 azenzekelayo) no-901 200 345 (ngoMsombuluko kuya kuLwesihlanu, kusukela ngo-9 ekuseni kuya ku-21 ebusuku). Kuzoba isigaba senqubo ongayixazulula ngesikhathi esifushane kakhulu ukuze ukwazi ukwenza isitatimende sakho semali engenayo ngesiqinisekiso esigcwele ngomphumela waso.
Kusukela kulo mzuzu kuqhubeke, kuzofanele ugcwalise kuphela imiphumela yesimemezelo. Noma ngabe yikuphi ukusebenza, lokho kusho ukuthi buyela noma kufanele ubeke imali ku-akhawunti yakho yokuhlola. Lapho okuyintsha entsha ozoba nayo kulo nyaka ukuthi le nqubo yokuphatha ingenziwa nge Isicelo kusuka mobile wakho. Ngokuphathwa okuguquguqukayo kakhulu kwazo zonke izinyathelo esizikhombisile ngenhla. Iziphathimandla zentela zigcizelela ukuthi isicelo sizoba "umzila we-agile" osebenza njengesiteshi esisha sokuxhumana. Futhi lokho kuhloswe ikakhulukazi kuphrofayili yomsebenzisi engasetshenziswanga ukusetshenziswa kwamakhompyutha wakho siqu.
Lolu hlelo luzobandakanya nokuthunyelwa kwezincwadi kubakhokhi bentela abayi-860.000 bebonke ukuthi babanxenxe ukuthi basebenzise insizakalo yocingo futhi basheshise izinqubo ngokuqokwa ngaphambi kwesikhathi.