Uma umuntu ekhulisa iphothifoliyo yakhe yezindlu, umbuzo uvame ukuvela wokuthi ngabe kuhlakaniphile yini ukuthenga ifulethi njengomuntu siqu noma ukudala inkampani yale njongo. ESpain, lo mkhuba usemthethweni ngokuphelele futhi usetshenziswe izinkulungwane zabatshalizimali, yize izitayela zishintshile eminyakeni edlule ngenxa yokuvela kwemakethe kanye nokuhlolwa okwandisiwe okuvela kwi-Tax Agency.
Akuyona nje indaba yamaphepha; kuyisu lezezimali lapho umgomo wokugcina ulawula khona indlela. Kuye ngokuthi ufuna indlu yokuhlala kuyo, indlu yesibili yamaholide, noma ibhizinisi lokuqasha, isakhiwo sezomthetho singasho ukonga okukhulu noma ikhanda lentela uma kungahlelwanga ngokucophelela.
Izici Zezomthetho kanye Nomfanekiso Wenkampani Yezimali
Kubalulekile ukuqonda ukuthi ukubhalisa impahla egameni lenkampani kusemthethweni, ngisho nakulabo abangebona izakhamuzi zentela eSpain. Ngokuvamile, lokhu kwenziwa ngezinkampani eziphethe, okuyizinhlangano ezidalelwe ukuphatha izimpahla ezifana nezindawo zokuhlala noma amaphothifoliyo ezibambiso, ngaphandle kokuzibandakanya emisebenzini yezentengiselwano enobudlova.
Kunezinhlobo ezimbili ngokuyinhloko: izinkampani eziphethe izindlu , ezingabanikazi bezindawo ezingahloselwe ukuxhashazwa kwezomnotho ngqo, kanye nezinkampani eziphethe izibambiso , ezigxile ekutshaleni imali kwezinye izinkampani. Kodwa-ke, kuyalulekwa ukuthi kuqashelwe; uma i-Tax Agency ithola ukuthi inkampani yadalelwa ukukhokha intela engenayo encane kuphela, ingabheka ukusebenza njengento engamanga futhi ilungise isimo.
Izinzuzo Zentela Zokuthenga Ngenkampani
Enye yezinto ezikhangayo kakhulu yi-Corporate Income Tax. Nakuba i-Personal Income Tax iqhubeka futhi ingafinyelela amazinga aphezulu kakhulu, izinga le-Corporate Income Tax elijwayelekile livame ukuba cishe ngama-25%, okuyinto ekhanga kakhulu labo abathutha imali eningi.
Uma kukhulunywa ngezakhiwo ezintsha sha, inzuzo isobala: izinkampani zingakhipha i-VAT ekuthengeni, into umuntu angenakuyenza. Ngaphezu kwalokho, endabeni yokuthengisa kabusha izakhiwo, i-Property Transfer Tax (ITP) ingaba nokwehliswa okuqondile uma inkampani ihlangabezana nezimfuneko ezithile, ngaleyo ndlela ithuthukise izindleko zokuthenga eziphelele.
Kubatshalizimali abanamaphothifoliyo amakhulu, kunenzuzo enkulu kakhulu. Uma inkampani inezindawo okungenani eziyisishiyagalombili eziqashiwe isikhathi esingaphezu kweminyaka emithathu, ingafinyelela izinxephezelo ezinkulu zentela ezikhulisa kakhulu inzuzo yokuqasha uma kuqhathaniswa nobunikazi bomuntu ngamunye.
Okubi Nezingozi: Lapho Ubambiswano Lungafaneleki
Akusikho konke ukukhanya kwelanga nokuqhakaza. Uma inhloso yakho ukuthenga indawo yokuhlala eyinhloko noma indlu yesibili, ukuthenga ngenkampani enesibopho esilinganiselwe (SL) kuyiphutha nje. Njengoba indlu ingeyale nkampani, umlingani kuzodingeka akhokhele inkampani irenti yemakethe , futhi leyo mali engenayo izokhokhiswa intela engu-25%, okwandisa kakhulu izindleko zokuthengiselana.
Ngaphezu kwalokho, ukuphathwa kokuphatha kuyinkimbinkimbi kakhulu. Inkampani ihilela izimali zokubalwa kwezimali zanyanga zonke, ukufaka ama-akhawunti wonyaka, kanye nesibopho esisemthethweni esiqinile kakhulu kunesomuntu ngamunye. Kumtshalizimali omncane oqala ngempahla yakhe yokuqala, lezi zindleko ezizinzile zingadla ingxenye enkulu yenzuzo eseleyo.
Ngakolunye uhlangothi, ukuncishiswa kwemali yokuqasha kwabantu ngabanye kuvame ukuba kukhulu kakhulu ezikhwameni ezithile (ngezinye izikhathi kufinyelela ku-60% wemali engenayo engenayo), inzuzo engadluleli ezinkampanini eziphethe izimpahla, okwenza ukutshalwa kwezimali okuncane kube nenzuzo enkulu njengomuntu ozisebenzelayo noma isakhamuzi esizimele.
Ukuqhathaniswa Kwezimali Nezinqubo
Ukuthola imali mboleko yebhizinisi akulula njengomuntu ngamunye. Amabhange ngokuvamile afuna kakhulu futhi adinga izivumelwano , ubufakazi bokuthi amasheya akhona, kanye nama-akhawunti onyaka. Ngokuphathelene nemigomo, iphesenti lezimali ngokuvamile licishe libe ngu-60% noma u-70% wenani elihloliwe, kanti umuntu angathola u-80% noma ngaphezulu.
Imigomo yokukhokha nayo imfushane; yize umuntu engathatha imali mboleko yendlu yeminyaka engama-30, amabhizinisi ngokuvamile anqunyelwe ezikhathini eziphakathi kweminyaka eyi-10 neyi-15 , futhi amazinga enzalo avame ukuba phezulu kancane kunezilinganiso ezivamile. Kunconywa ukuhlaziya ukuthi imali mboleko yendlu iqoshwa kanjani kumarekhodi ezimali ukuze kuphathwe kahle izimpahla.
Uma uqedela ukuthenga, kubalulekile ukuba neseluleko sochwepheshe. Inkontileka yokuthengisa ejwayelekile ayifani neyokubandakanya izinkampani ezimele , njengoba i-Tax Agency ihlolisisa ngokucophelela noma yikuphi ukuthengiselana okubonakala kuhloselwe ukugwema amazinga entela aqhubekayo e-Personal Income Tax noma i-Wealth Tax.
Ekugcineni, ukukhetha kuncike ngokuphelele ekusetshenzisweni okuhlosiwe kwempahla kanye nenani lemali. Nakuba ubunikazi obuphathekayo buyindlela ephumelelayo yokusetshenziswa komuntu siqu noma ukutshalwa kwezimali kokuqala, kumaphothifoliyo amakhulu ezindlu noma amasu okubuyisela imali, isakhiwo senkampani sinikeza ukuguquguquka okungenakuqhathaniswa kanye nokwenza ngcono intela.