Ukuthakazelelwa yigama elixhumene kakhulu nezwe lotshalo-mali futhi okuncike kulo ukuthi kufanele ukhokhe imali ethe xaxa noma encane esitatimendeni semali engenayo esilandelayo. Kepha okuholela ekutheni ukhohlwe ukuthi kuyasebenza naku ezinye izimpahla ezibonakalayo, njengezitezi, umhlaba noma ubucwebe. Ngoba empeleni, ukuzuza kwemali empeleni kungukukhuphuka kwenani lento, ikakhulukazi impahla, ngenxa yezimo ezingaphandle futhi ezimele kunoma yikuphi ukuthuthuka okwenziwe kuyo.
Uma okuthile okubonisa ukuzuza kwemali kungenxa yomphumela wayo i-tributary. Ngoba noma iyiphi inzuzo oyenzayo kuzofanele iphathwe ngochungechunge lwezintela ezisebenza eSpain. Okunye okubaluleke kakhulu yilezi Intela Yengeniso Yomuntu (IRPF), inani le-cadastral futhi ngokwezinga elithile futhi neProperty and Real Estate Tax, eyaziwa kangcono njenge-IBI. Lesi yisici esithandeka kakhulu sokuthakazelelwa. Ukuthi kuzofanela uphendule ngemisebenzi ekhiqize inzuzo nganoma yisiphi isikhathi.
Kodwa-ke, kulula kakhulu ukuhlukanisa ukuthi yiziphi izimpahla ezithintekayo ukukhombisa ukuthi liyini inani langempela nokuthi luhlobo luni lwezinhlelo zokusebenza ezikhiqizwayo. ukwanda kwemali. Ngoba hhayi kuzo zonke izimo kuzofana. Ukutholwa kwemali ezimakethe zezimali akuhlangene nakancane nalokho okwenziwe nge-real estate yakho. Bafana ngokufana kuphela ukuthi kuzo zonke izimo kunembuyiselo entengo yemali nokuthi ingaba namandla kakhulu noma incane, kuya ngokuhlukahluka okuhlukile.
Inzuzo eyinhloko ekutshalweni kwesitoko
Kuyinto evame kakhulu phakathi kwabasebenzisi baseSpain futhi ibhekisa emalini oyiholayo kusitoko noma kwezinye izimakethe ezifanayo. Okusho ukuthi, umehluko phakathi kwe- Intengo yokuthenga nentengo yokuthengisa. Leli inani elibhekwa njengokuthakazelelwa. Uma utshale imali eyi-10.000 euros futhi ekugcineni ukuthengisa kukhiqiza ama-euro angama-20.000, inzuzo eyinhloko izoba ngama-euro ayi-10.000 kunokusebenza kwezibalo zalo mnyakazo wokubalwa kwezimali. Kunoma ikuphi, kuyinto abafisa ukuyifisa bonke abatshalizimali, njengakwakho. Ngoba ukube bekungenjalo, bekungaba yisibonakaliso sokuthi ulahlekelwe yimali ekusebenzeni okwenziwayo.
Kunoma ikuphi, inzuzo etholakalayo ekutshalweni kwemali ayikho mahhala. Akunjalo neze, ngoba kuzoba njalo kukhokhiswe intela ngochungechunge lwezintela lokho kuzokwenza unciphise inzuzo etholakalayo. Intela enkulu yomtshali-zimali wangasese yi-Personal Income Tax (IRPF) kuzinzuzo ezinkulu ezitholakele. Yize ukuthengiswa kwamasheya kungakhonjelwe ukubanjwa, kuyadingeka ukufaka imisebenzi eyenziwa eSitatimendeni Semali Engenayo, ngokukhokhwa okulandelayo kwentela yemali engenayo ehambisanayo yenzuzo etholakele. Ngabe ufuna ukwazi ukuthi ziyini izindleko zokuzuza kwemali ngaleli zinga elijwayelekile?
Ukubanjwa okungafika ku-23%
Kulula kuwe ukwazi ukuthi amanani entela ayasebenza eSpain ngalolu hlobo lwemisebenzi yezimali. Kanjalo, ziyahluka kusuka ku-19% kuye ku-23%, kuya ngenzuzo oyizuzile ekusebenzeni ngakunye ezimakethe zezezimali.
- Ngemali efinyelela kuma-euro ayizi-6.000 kuzoba yi-19%.
- Ngokuzuza okuphakathi kuka-6.000 kuya ku-50.000 21 euros kuzoba yi-XNUMX%.
- Yonke imali etholwayo engaphezu kwama-euro angama-50.000 izokhokhiswa intela enkulu, ku-23
Kunoma ikuphi, izinzuzo ezinkulu aziveliswa kuphela ngokusebenza ezimakethe zezezimali. Uma kungenjalo, kunalokho, kuvela nasenkokhelweni izinzuzo. Ngoba empeleni, kuleli cala elithile, kusetshenziswa isilinganiso sokubamba esiphakathi kuka-19% no-23%, ngaso sonke isikhathi ngokuya ngenani eliqoqwe ngalo mqondo wokubalwa kwemali.
Ukuzuza kwemali yeminye imiqondo
Komunye umthambo, ukuzuza kwemali enkulu kungenziwa futhi ngenxa yokusebenza kwempahla. Ukufika lapho ukuthi ingelinye lamacala ajwayelekile kakhulu phakathi kwabasebenzisi. Ngokuqondene, uthengise impahla ngenzuzo maqondana nentengo yoqobo, okungukuthi, inani lokuthenga. Kulesi simo, inzuzo etholakalayo yempahla yendawo ingaba nezincazelo eziningana, njengoba uzokwazi ukuqinisekisa kusukela manje kuqhubeke. Ngoba nayo izokhiqiza izindleko ezizokhonjiswa ngentela ethile noma imali kamasipala.
Lapho ukhuluma ngokuthi yini inzuzo enkulu, kuyadingeka ukubhekisa kulokho okubizwa ngokuthi yi-Capital Tax. Inani Lamazwe Wasemadolobheni. Ngoba kungemva kwakho konke ukuzuza kwemali eyinhloko kamasipala. Kunoma ikuphi, kuyisilinganiso sendawo okufanele usenze ngokomthetho lapho wenza umsebenzi wokudlulisa impahla. Manje, uma ungumnikazi wesakhiwo se-rustic, uzokhululwa ngokuphelele kule nkokhelo ngoba kuthinta kuphela izakhiwo zasemadolobheni. Phakathi kwawo amafulethi, amagaraji noma ngisho nendawo yokuhweba ivelele.
Intela yemali etholwa ngumasipala
Kunoma ikuphi, awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi yini inzuzo yemali kamasipala. Ngomqondo wokuthi iyini nokuthi ikhokhwa nini. Yisilinganiso sokwenyuka kwenani lomhlaba wasemadolobheni. Bonke omasipala bazisebenzisa komakhelwane abanempahla yalezi zici. Kepha ngokunemba okuncane, futhi lokho ukuthi le nhlangano yenziwa ngokusemthethweni ngesikhathi esiqondile sokuthengisa noma ukunikela ngempahla. Ukuze ayisoze yaphuma mahhala, kepha kuzofanele uphendule ngokwanda kwenani laso nangokulingana nenani langempela lalo.
Kokunye ukuhleleka kwezinto, udinga ukwazi ukuthi lapho impahla noma ingcebo idluliswa, kuba yiyo kuphela iphathi yokuthengisa ngubani okumele akhokhe le ntela yendawo. Ngenhlanhla yakho, uma uvela eqenjini elithengayo, ngeke kudingeke uthathe noma yiziphi izinhlobo zezindleko. Kunoma ikuphi, kuyisipho okufanele usigcwalise ehholo ledolobha lapho kukhona khona indlu, ifulethi noma indawo yokuhweba okuyiyona nto yokusebenza. Ukufika lapho ukuthi lo msebenzi wezomnotho ungakhokhisa intela kumazinga angathinta umndeni wakho noma isabelomali sakho.
Uyibala kanjani le ntela?
Kodwa-ke, enye yezinhlungu ezinkulu zaleyo ntela yezindlu iza ukuthi kunzima kakhulu ukubalwa. Akubona bonke abasebenzisi okulula ukwenza lo msebenzi wezibalo. Ukukusiza kulo msebenzi, akukho okudlula ukwazi ukuthi isisekelo sentela sibalwa ngokususelwa kunani le-cadastral lempahla nesikhathi esidlulile kumthengisi noma umnikeli noma oshonile, esimweni esithile seminikelo namafa. Ukuze ucace kakhudlwana ngalokho okufanele ukhokhe kusukela manje kuqhubeke ngalolu hlobo lomsebenzi, kuzofanela uthole ukuthi yini i-coefficient ezosetshenziswa kuwe kusukela kulo mzuzu.
Le yimikhawulo ephezulu ku-coefficient yokwenyuka okufanele isetshenziswe ngumkhandlu wedolobha esimweni ngasinye. Futhi okufanele ukhokhe kuzoncika kulokho okufanele ukhokhe ngale ntela exhunywe ngqo kuzuzo olukhulu. Njengoba uzobona, inani lokulingana lincipha njengoba iminyaka ihamba.
- Kusuka onyakeni owodwa kuye kwemihlanu: 3,7.
- Kuze kube yiminyaka eyi-10: 3,5.
- Kuze kube yiminyaka eyi-15: 3,2.
- Isikhathi esifinyelela eminyakeni engama-20: 3
Umqondo ofanayo wengcebo
Kuzo zonke izimo, nanoma yikuphi ukusebenza okwenzile, lapho uzuze imali kuyisiginali ecace bha yokuthi une kwandise umcebo wakho. Yize njengoba lo mehluko mkhulu, uzohlawuliswa izintela ezimbalwa. Kuyinto okufanele ube nayo ukuhlela ama-akhawunti akho. Lokho wukuthi, akuyona yonke imali oyiholayo ezokuya ephaketheni lakho. Uma kungenjalo, ngokuphambene nalokho, ingxenye yayo izokwabelwa izindleko zokuphatha nezintela zezinhlobo ezahlukahlukene kanye nemvelo.
Kunoma ikuphi, kuzoba uphawu lwengcebo nokuthi unemali eyanele ongayitshala. Hhayi kuphela ekusebenzeni kwifayela le- izimakethe zokulingana. Kepha futhi nasezindlini noma kusuka kwezinye izimali. Inzuzo ye-capital ngeke ibe nendaba kunoma ngubani, njengoba isipiliyoni sizokukhombisa eminyakeni yamuva. Akumangalisi ukuthi kungumqondo wobuningi kakhulu othinta izinto eziningi empilweni.
Okunye ukungalungi komqondo
Vele, ukufingqa lesi sihloko esishisayo kulezi zinsuku ukuthi inzuzo yemali idala intela ekhokhiswa kulokhu kukhuphuka kwenani. Ungakhohlwa kusukela manje kuqhubeke, ngoba ungaba nenye inkinga ongalimala kuyo ngokuthanda kwakho. Kunoma ikuphi, imiqondo yokuqala yaleli gama ibanzi kakhulu futhi itholakala emisebenzini yabacabangi abakhulu besintu. Ngemisebenzi lapho kusingathwa ngayo lesi sihloko esishisayo ngendlela ethile.
Ukwanda kwenani lentengo noma umkhiqizo ngenxa yezizathu ezahlukahlukene abanikazi abakwazi ukuwulawula. Lesi ngesinye sezizathu esenza ukuthi inzuzo etholakalayo ibe nokuningi okutholakele. Kuya ngesizathu salokhu kuthuthukiswa kwabantu. Inhloso efunwa ngabantu abaningi emphakathini wanamuhla. Ukuze ngale ndlela, bakwazi ukwandisa ingcebo yabo kancane kancane.