Isebenza kanjani intela yeholo lomuntu siqu: zonke izici okufanele uzazi

Isebenza kanjani intela yeholo lomuntu

Enye yezinto ezibaluleke kakhulu ezithinta abanikazi bamabhizinisi abaningi (kanye nabasebenzi abazisebenzelayo), ngokungangabazeki, “ukusebenzisana kahle” noMnyango Wezezimali. Futhi kulo mqondo, Ukwazi ukuthi intela yeholo lomuntu siqu isebenza kanjani kungenye yezinto ezingakunikeza izinkinga eziningi., ikakhulukazi uma kuziwa ekugcwaliseni izimbuyiselo (uma ungafuni ukuthi uMnyango Wezezimali ungqongqoze emnyango wakho).

Ngakho-ke, singakuchazela kanjani lokhu ngendlela oyiqondayo? Sesikushilo kahle, lapha silungiselele indatshana lapho uzothola khona konke odinga ukukwazi mayelana nentela yomuntu siqu.

Iyini intela yeholo

Ibala izintela

Ake siqale ngokwazi kahle ukuthi siqonde ukuthini ngentela yomuntu siqu. Futhi ababaningi abazi ukuthi intela yemali engenayo yomuntu siqu iyahambisana Intela yomuntu siqu. Eqinisweni, abantu abaningi basebenzisa isifinyezo, kodwa uma kuziwa ekusiqondeni, abazi ngempela ukuthi sisho ukuthini.

Nokho, le ntela iyinsika ebalulekile entela yaseSpain futhi isungulwe, ngezinga elithile, kuMthethosisekelo waseSpain. Kuphi? Impela lapho isho khona lokho Bonke abantu baseSpain kufanele bafake isandla ekugcinweni kwezindleko zomphakathi. Okungukuthi, kumele sifake isandla ukuze izwe liye phambili, lingangeni ezikweletini noma litshone. Kodwa akugcini nje ngokuphakanyiswa okuya kulokho, kodwa ingxenye yakho ibuye isetshenziselwe ukusiza abantu abasesimeni esibi kakhulu.

Intela yemali engenayo yomuntu siqu ithinta kuphela abantu abaholayo futhi abahlala e-Spain. Kodwa kuncike emphakathini ngamunye ozimele njengoba izimali ezibanjwayo, amabhonasi, njll zingasungulwa. kulelo nalelo.

Futhi uma uzibuza, yebo, uma uthola imali eyengeziwe, kuzodingeka ukhokhe intela eyengeziwe.

Iyini ngempela intela yentela yomuntu siqu?

Ukukhokha izintela

Sikutshelile ngaphambilini ukuthi intela yemali engenayo yomuntu siqu ihlobene neholo elitholiwe. Kodwa, kule mali engenayo (noma imali engenayo), kufanele kucaciswe ezimbalwa zazo, okuyilezi:

  • Ukusebenza komsebenzi. Kungakhathaliseki ukuthi bayasebenza (bayahola) noma bayazisebenza (bazisebenzayo).
  • Izimpesheni. Ukuthi bangawela ngaphakathi kweholo lomsebenzi, noma ngabe empeleni bengasebenzi.
  • Imbuyiselo yemali. Isibonelo, imali engenayo evela kwizindlu ezithengiswayo, noma yikuphi ukonga onakho...
  • Imbuyiselo evela emisebenzini yezomnotho.
  • Izinzuzo zemali, kodwa futhi nokulahlekelwa noma ukubalwa kwemali engenayo.

Manje, kufanele wazi ukuthi ngokuthola yonke leyo mali angeke uyikhokhele; Eqinisweni, ukubala kwenziwa uma izindleko ozithwele sezidonsiwe. Lokho kusho ukuthi, Baqeda iminikelo Yokuvikeleka Komphakathi, amakhomishini, izindleko ozithwalele umsebenzi wakho, Njll

Elinye iphuzu okufanele ulikhumbule ukuthi Akuwona wonke amaholo okumele adalulwe. Nakuba ekuqaleni sathi yebo, kunemithetho evumela imali ethile ekhululiwe. Futhi ziyini lezi? Sikubhalele wonke:

  • Inzuzo yomama noma ubaba.
  • Imalimboleko phakathi kwamalungu omndeni.
  • Isinxephezelo sabasebenzi, uma kwenzeka kungenxa yokunqanyulwa komsebenzi noma ukuxoshwa.
  • Umnikelo webhizinisi lomndeni.
  • Imisebenzi phesheya.
  • Ukushabalala kwe-condominium.
  • Izinzuzo ezinkulu zabafileyo.
  • Izifundiso.
  • Izinzuzo zokungasebenzi (qaphela, ngenkokhelo eyodwa).
  • Ukudluliswa kwempahla yokuhlala evamile noma impahla uma ingeyabantu abangaphezu kweminyaka engama-65 ubudala.
  • Ukuxazulula.
  • Izinhlelo zokonga zesikhathi eside noma ukonga okuhlelekile.
  • Inkokhelo ngohlobo (inqobo nje uma lokhu kungakhokhiswa intela).

Isebenza kanjani intela yeholo lomuntu

Ukubalwa kwezindleko zentela

Manje njengoba usunokucaciswa okwengeziwe ngentela engenayo yomuntu siqu, ngokuqinisekile ufuna ukwazi ukuthi isebenza kanjani ukuze uqonde ukuthi ibalwa kanjani.

Okokuqala, Intela yemali engenayo yomuntu siqu ibalwa kucatshangelwa ama-payroll noma i-accounting eyenziwa ngamabhizinisi. Yebo, amabhange nawo ayangena njengoba kuyindlela “ejwayelekile nesemthethweni” okutholwa ngayo imali engenayo. Nokho, ngezinye izikhathi le mali engenayo ayibalwa ngemininingwane enjalo, kodwa esikhundleni salokho isilinganiso senziwa ngokuya nezici zenhloso zamabhizinisi.

Ngokusekelwe kulokhu, isikali sisungulwa ngendlela yokuthi, lapho isikali sifinyelelwa, iphesenti lentela yomuntu siqu liyoba linye noma elinye. Ngamanye amazwi, lapho iholo lithe xaxa (izindleko eseziyisaphulelo), kufanele kukhokhwe intela yomuntu siqu eyengeziwe.

Ngaphezu kwalokho, kungenzeka ukuthi, unyaka wonke, izintela zikhokhiwe ngokweqile futhi imali engenayo iba yimbi. Lokho kungasho lokho NguMgcinimafa okufanele abuyisele imali yakho. ngoba ubekukhokhisa kakhulu. Isibonelo, ngoba ukhokhe kakhulu njengomsebenzi ozimele futhi iholo lakho liphansi kakhulu.

Uyikhokha kanjani intela yomuntu siqu

Intela yemali engenayo yomuntu siqu ikhokhwa njalo ngonyaka ngembuyiselo yentela engenayo. Lokhu kufanele kwenziwe minyaka yonke futhi kwethulwe kusukela ezinyangeni zika-April kuya kuJuni. Nokho, ihlale yethulwa ngokusekelwe onyakeni odlule. Lokho kusho ukuthi, Ngo-2024, kwethulwa isimemezelo sika-2023 ngoba kufanele sihlanganise unyaka wonke.

Ngalesi sikhathi, uMnyango Wezezimali wethula umkhankaso wokusiza abantu ukuthi benze isimemezelo futhi bakwethule. Empeleni, Baningi abenza ama-aphoyintimenti ukuze izikhulu zoMgcinimafa zikwazi ukubasiza ekulungiseleleni isimemezelo ukugwema ukwehluleka noma amaphutha okuthi, uma etholakele, angaholela ekujezisweni (ngisho noma akwenziwanga ngokukholwa okungalungile). Kukhona nezinkampani ezizimele, noma amabhange imbala, azinikelayo ngalezi zikhathi ekwenzeni izitatimende kumakhasimende awo.

Futhi umphumela ungase ube ukukhokha (okuzodingeka ubeke imali kuMgcinimafa) noma ukuqoqa (ngokuphambene nalokho, nguMgcinimafa okufanele afake imali kuwe). Esimweni sokugcina, unezinyanga eziyisi-6 ukwenza kanjalo, akusheshi, kuyilapho, uma kufanele ukhokhe, unomnqamulajuqu olinganiselwe futhi, uma ungakwenzi ngesikhathi, kuzodingeka ukhokhe imali sekwephuzile.

Yazi ukuthi intela yeholo lomuntu siqu isebenza kanjani, njenganoma iyiphi enye intela, inqubo, njll. okufanele uhambisane nakho ngeke nje kukunikeze ulwazi namandla okwenza izinto kahle, kodwa futhi kuzokusiza uzizwe ukhululekile ngoba uzokwazi ukuthi, ngandlela thize, wenze ngokwethembeka nokuthi wenze kahle. kanjalo ezama ukulandela umthetho. Ingabe unokungabaza okusele?


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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.