Ukuzisebenzela kusho ukukhokha umnikelo wenyanga wokuzisebenzela , lowo mthethosivivinywa we-Social Security osekela ukuvikelwa kwakho komphakathi, kanye nezintela zakho. Nakuba ngezinye izikhathi kungabonakala kuyindida, uhlelo olusha lukwenza kube nengqondo kakhudlwana: ukhokha ngokwalokho okutholayo ngempela. Isihluthulelo namuhla ukuqonda imali engenayo yakho kanye nokuthi uwela kuliphi igatsha ukuze ukwazi ukukhetha isisekelo seminikelo esifanele futhi ugweme ukumangala lapho ulungisa iminikelo yakho.
Uma uhlela unyaka wakho noma ucabanga ukuzisebenzela, kuwumqondo omuhle ukuqonda ukuthi iminikelo yakho yezokuphepha komphakathi ibalwa kanjani, ukuthi imaphi amabhrekhi entela asebenzayo, nokuthi yiziphi izinketho onazo zokuzilungisa ngokwezidingo ezithile zebhizinisi lakho. Kukhona i -calculator esemthethweni ekuvumela ukuthi ulinganisele iminikelo yakho futhi uyishintshe kuze kube kasithupha ngonyaka . Ngaphezu kwalokho, i-Treasury ihlanganisa idatha ne-Tax Agency ukuze ikhiphe imbuyiselo noma ifune noma yikuphi ukungafani ekupheleni konyaka wezimali. Ake sikuchaze ngokuningiliziwe, ngezibalo nezibonelo ezisebenzayo, ukuze uqonde konke ngokucacile kusukela ekuqaleni.
Usebenza kanjani umnikelo wokuzisebenzela osuselwe emalini engenayo yangempela
Kusukela kwaqaliswa imodeli yemali engenayo yangempela, isisebenzi ngasinye esizisebenzelayo sibekwe kwelinye lama -tax brackets angu-15 ngokusekelwe esibikezelweni semali engenayo yanyanga zonke. Umnikelo awusazinzile: ubalwa ngokusebenzisa izinga lika-31,4% esisekelweni osikhethayo ngaphakathi kwe-bracket (phakathi kobuncane nobukhulu obuvunyelwe kulolo hlu lwemali engenayo).
Ngo-2025, ububanzi beminikelo bubanzi futhi buyaqhubeka: iminikelo encane nge-bracket iqala ku-€200 futhi iyanda njengoba imali yakho engenayo ikhula, kuyilapho iminikelo ephezulu ingafinyelela cishe ku-€1.542 uma ukhetha isisekelo seminikelo esiphezulu. Lolu hlelo luhlose ukuqinisekisa ukuthi labo abanemali engenayo ephansi bakhokha kancane nalabo abanemali engenayo ephezulu banikela kakhulu , ngokuhlobana okuqondile phakathi kweminikelo nezinzuzo.
Ngaphezu kwalokho, umnikelo wakho uhlanganisa i-Intergenerational Equity Mechanism (MEI). Ngo-2025, i-MEI izomelela u-0,8% wesisekelo somnikelo (ingxenye eyodwa kweziyishumi yephuzu lephesenti ngaphezu kuka-2024), ngenhloso yokuqinisa ukuzinza kohlelo lwempesheni. Leli phesenti selifakiwe kakade emazingeni omnikelo wamanje.
Kubaluleke kakhulu: ungalungisa umnikelo wakho ngokushesha okukhulu. Ungashintsha isisekelo sakho somnikelo sibe izikhathi ezi-6 ngonyaka (njalo ezinyangeni ezi-2) , ukuze ukwazi ukuvumelanisa inkokhelo yakho nokuguquka kwangempela kwemali engenayo yakho ngaphandle kokulinda ukulungiswa konyaka.
- 15 izigaba ngokusekelwe ezinzuzweni ezihlongozwayo zanyanga zonke.
- Isilinganiso esingu-31,4% esisekelweni esikhethiwe ngaphakathi kwesigaba.
- Izindleko eziphansi kusuka ku-€200 kanye nobukhulu obungafinyelela ku-€1.542 kuye ngokuthi kubakaki/isisekelo.
- 0,8% MEI kufakwe ngo-2025.
Amathebula ayisisekelo 2025: ububanzi obuncishisiwe nethebula elivamile
UMthetho Wesabelomali umisa amatafula amabili: elincishisiwe labantu abahola kancane kanye nelijwayelekile labo bonke abanye. Ngaphakathi kwesigaba ngasinye semali engenayo, kunesisekelo semali engenayo esincane kanye nesisekelo semali engenayo esiphezulu, ongakhetha kuso ngokukhululeka. Ngezansi kunezisekelo zeminikelo zika-2025 njengoba zishicilelwe kulwazi olusemthethweni.
Ithebula elincishisiwe lango-2025 (isisekelo esincane nesiphezulu)
| Yelula | Ingqikithi yokubuyisela | Isisekelo esincane (€) | Isisekelo esiphezulu (€) |
|---|---|---|---|
| 1 | ≤ €670 | 653,59 | 718,94 |
| 2 | > 670 futhi ≤ 900 € | 718,95 | 900,00 |
| 3 | > 900 kanye < 1.166,70 € | 849,67 | 1.166,70 |
Ithebula elijwayelekile lisebenza ezinhlakeni eziphakeme. Qaphela ukuthi izisekelo zikhula kanjani kusukela ezinhlakeni kuya ezinhlakeni , okukuvumela ukuthi ulungise ukumbozwa kwakho (kanye ne-premium yakho) ngobuningi obukhulu.
Ithebula elivamile lango-2025 (isisekelo esincane nesiphezulu)
| Yelula | Ingqikithi yokubuyisela | Isisekelo esincane (€) | Isisekelo esiphezulu (€) |
|---|---|---|---|
| 1 | ≥ 1.166,70 futhi ≤ 1.300 € | 950,98 | 1.300,00 |
| 2 | > 1.300 futhi ≤ 1.500 € | 960,78 | 1.500,00 |
| 3 | > 1.500 futhi ≤ 1.700 € | 960,78 | 1.700,00 |
| 4 | > 1.700 futhi ≤ 1.850 € | 1.143,79 | 1.850,00 |
| 5 | > 1.850 futhi ≤ 2.030 € | 1.209,15 | 2.030,00 |
| 6 | > 2.030 futhi ≤ 2.330 € | 1.274,51 | 2.330,00 |
| 7 | > 2.330 futhi ≤ 2.760 € | 1.356,21 | 2.760,00 |
| 8 | > 2.760 futhi ≤ 3.190 € | 1.437,91 | 3.190,00 |
| 9 | > 3.190 futhi ≤ 3.620 € | 1.519,61 | 3.620,00 |
| 10 | > 3.620 futhi ≤ 4.050 € | 1.601,31 | 4.050,00 |
| 11 | > 4.050 futhi ≤ 6.000 € | 1.732,03 | 4.909,50 |
| 12 | > €6.000 | 1.928,10 | 4.909,50 |
Ngalezi zinto, isitolimende esiqondile sibalwa ngokuphindaphinda isisekelo esikhethiwe ngesilinganiso esifanele. Ngakho-ke, ngo-2025 uzobona izitolimende ezincane ezisukela ku-€200 kuya ku-€600 , kuye ngokuthi ibhuleki, kanye nezitolimende eziphakeme uma ukhetha izisekelo eziphezulu ngaphakathi kobubanzi ngabunye.
Ukubalwa kwemali etholwayo: imithetho ngohlobo lwesisebenzi esizisebenzelayo
Isikhundla sakho etafuleni sincike enzuzweni engenayo evela kuyo yonke imisebenzi yakho yezomnotho phakathi nonyaka. Le nzuzo engenayo ibalwa ngokwemithethonqubo ye -Personal Income Tax enemibandela ethile , bese kusetshenziswa ukuncishiswa kwezindleko ezijwayelekile (7% noma 3% kuye ngesimo).
Uma ukhokhiswa intela ngaphansi kwendlela yokulinganisa ngqo, ususa izindleko ezidonswa intela emholweni wakho, wengeze iminikelo yokuphepha komphakathi ozisebenzelayo ekhokhiwe, bese usebenzisa ukudonswa. Ngokuvamile, ukudonswa kungu-7% kubantu ngabanye ; kubalingani bebhizinisi noma bomsebenzi abanamasheya athile kanye nezinsuku ezingama-90 zokubhalisa ngonyaka, ukudonswa kungu-3%.
Ngaphansi kohlelo lwentela olulula (amamojula), imali engenayo eseleyo ngaphambi kwentela isetshenziswa (ngokunciphisa okukhethekile kwezolimo, amahlathi, kanye nemisebenzi yezilwane), kanti u-7% owengeziwe udonswa ezindlekweni ezijwayelekile . Futhi, ukudonswa kuzoba ngu-3% ezimweni zabalingani bebhizinisi abahlangabezana nezindinganiso ezingenhla.
Kubanikazi bamabhizinisi abazisebenzelayo, yonke imali engenayo kanye nemali engenayo evela enkampanini iyacatshangelwa, ngaphezu kwemali engenayo evela emsebenzini ngaphakathi enkampanini, futhi lapho kufanele khona, imali engenayo evela emisebenzini yabo yezomnotho. Umnikelo wezokuphepha komphakathi ozisebenzelayo uyangezwa, bese kusetshenziswa ukukhishwa okungu-3%, okuqondene naleli qembu.
Khumbula ukuthi konke kubalwa minyaka yonke bese kubalwa isilinganiso njalo ngenyanga. Lesi silinganiso sanyanga zonke sisetshenziselwa ukukhetha isisekelo somnikelo ngaphakathi kwebhuleki elihambisanayo. Futhi uma, kusukela ngoDisemba 31, 2022, ubunikela ngesilinganiso esiphezulu kunalokho obekufanele ngabe unikele ngakho, ungaqhubeka nokwenza kanjalo ngo-2025.
Isibonelo esisebenzayo esinezinombolo zangempela
Cabanga ngomuntu ozisebenzelayo esebenzisa indlela yokulinganisa ngqo owathola imali engenayo engu-€22.000 ngo-2024, enezindleko ezidonswayo ezingu-€4.820, futhi ekhokha u-€295 ngeminikelo yezokuphepha komphakathi ngenyanga (€3.540 ngonyaka). Imali engenayo yakhe iyonke ekhokhiswa intela yengeniso yomuntu siqu, okuhlanganisa neminikelo yezokuphepha komphakathi, izoba ngu-€22.000 – €4.820 + €3.540 = €20.720.
Manje sisebenzisa ukuncishiswa okungu-7% ezindlekweni ezijwayelekile: 20.720 × 0,07 = €1.450,4. Imali engenayo ekhokhwayo: 20.720 – 1.450,4 = €19.269,6 ngonyaka . Uma ihlukaniswa ngo-12, lokhu kunikeza €1.605,8 ngenyanga.
Uma unemali engenayo yanyanga zonke engu-€1.605,8, uwela ngaphakathi kwe-bracket engu-€1.500 kuya ku-€1.700 futhi ungakhetha, isibonelo, isisekelo esincane somnikelo saleyo bracket (€960,78). Uma kusetshenziswa izinga elifanele, inkokhelo yanyanga zonke evelayo ka-2025 izoba cishe yi-€294 esisekelweni esincane somnikelo.
Uma lowo muntu ozisebenzelayo engumqondisi wenkampani, ukuncishiswa okuvamile kungaba ngu-3% esikhundleni sika-7%. Imali engenayo yanyanga zonke iyoba phezulu kancane futhi, esibonelweni, izoqhubeka iwela ngaphansi kwebhakede lentela elifanayo , kanye nenkokhelo yentela encane efanayo uma isisekelo seminikelo esikhethiwe siphansi kakhulu ebangeni.
Yini ezoshintsha ngo-2025 nokuthi ivele kanjani kusukela ngo-2023
Lolu hlelo luqaliswe kusukela ngo-2023, futhi kuzokwenziwa izinguquko ezibalulekile ngo-2025. Kuma-bracket ayisithupha aphansi kakhulu emali engenayo (kufika ku-€1.700), umnikelo omncane uzoncipha ngokunciphisa kwaminyaka yonke okungu-€80 kuya ku-€428, kuye nge-bracket, uma nje kukhethwa isisekelo esincane somnikelo salowo bracket.
Kodwa-ke, uma imali yakho engenayo idlula i-€1.700, imali encane izokwenyuka ngo-2025 ngokunyuka okulinganiselwa ngonyaka phakathi kwe-€272 ne-€970 (ngesisekelo esincane), futhi kuye ngokuthi ukuliphi i-bracket.
Ngokuqhathanisa, ngo-2023 iminikelo encane yayisukela ku-€230 kuya ku-€500, kanti ngo-2024 yayisukela ku-€230,15 kuya ku-€542,13 yeminikelo encane kakhulu kuma-bracket amakhulu. Ngo-2025, umnikelo omncane kakhulu kuma-bracket aphansi kakhulu uqala ku-€200 , kanti kuma-bracket aphezulu umnikelo omncane kakhulu kunonyaka odlule.
Elinye iqiniso okufanele ulikhumbule: imali encane yanyanga zonke nge-bracket ngo-2025, ngokwesilinganiso, iphakathi kuka-€200 kanye no-€600 (cishe), kanti imali ephezulu nge-bracket ifinyelela, ezindaweni eziphakeme, cishe ku-€1.542 uma ukhetha izisekelo eziphakeme.
Shintsha isisekelo sakho sibe izikhathi eziyisi-6 ngonyaka: umnqamulajuqu osemthethweni
Ukuze ugweme ukubhajwa ungalingani, i-Social Security ivumela izinguquko ezifika kweziyisithupha esisekelweni sakho somnikelo ngonyaka, eyodwa njalo ezinyangeni ezimbili . Lena indlela ewusizo kakhulu uma imali yakho engenayo ishintshashintsha noma uma ibhizinisi lishintsha libe ngcono… noma lingashintshi kangako.
- Izicelo kusukela ngoJanuwari 1st kuya osukwini lokugcina lukaFebhuwari: kuqala ukusebenza ngoMashi 1.
- Kusukela ngo-March 1 kuya ku-April 30: iqala ukusebenza ngomhla ka-1 Meyi.
- Kusukela ngoMeyi 1 kuya kuJuni 30: iqala ukusebenza ngomhla ka-1 Julayi.
- Kusukela ngoJulayi 1 kuya ku-Agasti 31: kuqala ukusebenza ngoSepthemba 1.
- Kusukela ngoSepthemba 1 kuya ku-Okthoba 31: isebenza ngoNovemba 1.
- Kusukela ngoNovemba 1 kuya kuDisemba 31: kuqala ukusebenza ngo-January 1 wonyaka olandelayo.
Zonke lezi zinguquko zicutshungulwa ku-inthanethi nge-Import@ss, i-portal ye-elekthronikhi ye-Treasury. Kuyinqubo elula eyenzelwe ukuvumelanisa isizindalwazi sakho nesibikezelo semali engenayo yakho ngaphandle kokulinda kuze kube sekupheleni konyaka.
Ukwenziwa njalo ngonyaka, izinkokhelo nezindleko ezengeziwe
Ekupheleni konyaka wentela, i-Social Security iqhathanisa ukubuyiselwa kwentela yakho engenayo okumenyezelwe nesisekelo sakho seminikelo. Uma ukhokhe ngokweqile, uthola imbuyiselo; uma ukhokhe kancane, ukhokha umehluko . Lokhu kuqhathaniswa kuyaqala ukusebenza futhi, okokuqala, kuthinta iminyaka yentela ngaphansi kohlelo olusha.
Ngokuphathelene nenkokhelo yanyanga zonke, uma ukhetha i-direct debit, ivame ukucutshungulwa ngosuku lokugcina lwenyanga ngayinye . Uma ufika sekwephuzile, kungase kube nezindleko ezengeziwe, njengoba kunjalo nangezinye izibopho ze-Social Security kanye nentela, ngakho-ke kungcono ukuhlala usesikhathini ukuze ugweme izindleko ezengeziwe.
Ngendlela, uma uphequlula amawebhusayithi kahulumeni noma amanye amakhasi olwazi, uzobona izaziso zamakhukhi. Aziqoqi idatha yomuntu siqu ngaphandle kwemvume yakho futhi zenzelwe ukuthuthukisa ulwazi lwakho kuphela ; ungazamukela noma uzenqabe ngokukhululekile ngokwezintandokazi zakho.
Izinga eliphansi lama-€80 labasebenzi abasha abazisebenzayo
Uma ubhalisa okokuqala (noma ngemva kwesikhathi somusa), ungasebenzisa leli thuba lesilinganiso esilinganiselwe . Lokhu kuhlanganisa ukukhokha u-€80 ngenyanga ezinyangeni zokuqala ezingu-12 , kungakhathaliseki ukuthi umholo wakho ungakanani phakathi naleso sikhathi sokuqala.
Ngaphezu kwalokho, ungayandisa eminye izinyanga ezingu-12 uma imali yakho engenayo ingaphansi komholo ophansi . Le bhonasi ikuvumela ukuthi uqale ngomthwalo omncane ngenkathi wakha iphothifoliyo yakho yamakhasimende.
Amaqembu athile nezimo
Ababambisene abazisebenzayo : Laba bangamalungu omndeni womnikazi webhizinisi abasebenzisana ebhizinisini. Abazidaluli imali engenayo yabo, futhi isisekelo sabo esincane somnikelo asikwazi ukuba ngaphansi komholo omncane . Bangase bafanelekele ukuncishiswa kwentela kanye nokuxhaswa okuvela kuhulumeni.
Abanikazi bamabhizinisi abazisebenzayo : isisekelo sabo esincane somnikelo asikwazi ukuba ngaphansi kuneseQembu 7 loHulumeni Ojwayelekile, futhi kumele ukuthi bebekuleso simo okungenani izinsuku ezingama-90 phakathi nonyaka. Empeleni, abanikazi bamabhizinisi abaningi babona isisekelo esincane somnikelo esingu-€1.000 kanye nenkokhelo yanyanga zonke engaba ngu-€310 uma bekhetha isisekelo esincane, yize uma imali yabo engenayo iphakeme, inkokhelo nayo izokhuphuka . Ekubalweni kwabo kwemali engenayo, ukuncishiswa okuvamile kungu-3%.
Imisebenzi eminingi : Uma usebenza njengesisebenzi kanye nomuntu ozisebenzelayo, iminikelo yakho yezokuphepha komphakathi izolungiswa ngokulingana namahora akho okusebenza nangokuhambisana nemithethonqubo esebenzayo. Kunemithetho ethile kanye nokubuyiselwa kwemali okungenzeka uma isisekelo sakho seminikelo ehlanganisiwe sidlula imingcele ethile.
Isisebenzi esizimele esizimele (TRADE) : naphezu komthetho wayo othize wokugxila ku-75% noma ngaphezulu kwenzuzo kuklayenti elilodwa, ingaphansi kwemithetho efanayo evamile ngaphandle kokuthi imithetho ibeka umehluko othize.
Umhlalaphansi osebenzayo : Uma uhlanganisa impesheni nomsebenzi, ukhokha umnikelo othize wezokuphepha komphakathi. Lokhu kuvame ukufaka umnikelo wokubambisana ongu-8% kanye no-3,3% wokukhubazeka kwesikhashana , kanye nethuba lokwengeza umshwalense wezimo eziphuthumayo zomsebenzi (0,9%).
Ukukhetha isisekelo: ubuncane, obumaphakathi, noma ukuthuthukisa ukuze uthuthukise ukusebenza?
Ukukhetha isisekelo esincane somnikelo kunciphisa izindleko zamanje, kodwa futhi kunciphisa izinzuzo zekhefu lokugula kanye nomhlalaphansi wesikhathi esizayo . Ukwandisa isisekelo somnikelo kusho ukukhokha okwengeziwe inyanga ngayinye, ukuze uthole ukumbozwa okukhulu, okungase kukhange kakhulu uma usondela emhlalaphansi noma ufuna ukuzivikela ezimweni ezingalindelekile.
Isibonelo esijwayelekile: imbuyiselo ye-€2.000 ngenyanga. Ngesisekelo esincane somnikelo we-bracket yakho, inkokhelo yanyanga zonke ingaba cishe yi-€390–€415 ngokusho kwethebula, kodwa uma ukhetha isisekelo somnikelo esiphezulu, izinkokhelo ziyanda, kanye nezinzuzo . Isinqumo sincike emigomweni yakho, ukuhamba kwemali okutholakalayo, kanye nesikhathi esinqunyiwe.
Njengenye indlela noma umphelelisi, umshwalense wokukhubazeka wesikhashana ungaba inketho enhle uma ufuna ukuqinisa umshwalense wakho wokungabikho emsebenzini ngezindleko ezifanele. Kunezimo lapho ukukhokha iprimiyamu yanyanga zonke okulinganiselwe kunikeza imali engenayo eyengeziwe ngesikhathi sekhefu lakho ngaphandle kwesidingo sokuba nomshwalense ophezulu njalo.
Isibonelo, uma othile ecabanga ukukhokha cishe ama-€590 ngenyanga ngeminikelo ephezulu ohlelweni lokuphepha komphakathi uma kuqhathaniswa nama-€310 okungenani, izindleko ezengeziwe zonyaka zidlula ama-€3.000. Impesheni yokukhubazeka yesikhashana (ILT) engaba ama-€50 ngenyanga ingamboza ingxenye enkulu yokulahlekelwa yimali engenayo ngesikhathi sekhefu lokugula . Leli isu lesikhashana elisebenzayo, yize ngempesheni enhle kuvame ukunconywa ukwandisa iminikelo ngesikhathi esithile noma ukuyihlanganisa nokonga okubekiwe.
Isifanisi, izinqubo kanye namanye amanothi awusizo
UMnyango Wezezimali unikeza isilingisi ku-Import@ss ukuze ubale umnikelo wakho ngokusekelwe ezibikezelweni kanye nezinguquko zenqubo. Uma ubhalisa okokuqala, uzocelwa imali yakho engenayo ebikezelwe , futhi uma usuvele ubhalisiwe njengomuntu ozisebenzayo (i-RETA), ungalungisa isisekelo sakho somnikelo unyaka wonke usebenzisa isevisi ethi "Isisekelo Somnikelo kanye Nemali Engenayo".
Labo, kusukela ngoDisemba 31, 2022, ababenikela ngokusekelwe emalini engenayo ephezulu kunalokho imali yabo engenayo ebikezelwe engakusho bangagcina leso sisekelo ngo-2025. Futhi qaphela labo ababenikela ngesilinganiso esiphezulu: ngo-2025, i-Order PJC ibeka umkhawulo ongu-€4.909,50, okubavumela ukuthi bakhethe noma yisiphi isisekelo phakathi kwesabo samanje kanye nalesi silinganiso esisha esiphezulu.
Khumbula ukuthi uhlelo luhlanganisa amathebula waminyaka yonke angashintsha ngokusekelwe engxoxweni yomphakathi kanye nama-akhawunti omphakathi. Uma unemibuzo, i-simulator kanye nomeluleki wakho omethembayo bangabangane bakho abangcono kakhulu bokugwema ukumangala lapho kufika isikhathi sokumiswa kabusha.
Sibheke phambili ku-2026: iziphakamiso nokulungiswa kwezingxoxo
Kwakukhona isiphakamiso sokuqala sokwenyuka ngo-2026 esadala impikiswano enkulu, kanye nokwenyuka okukhulu nge-bracket ngayinye. Ngemva kwalokho, uhulumeni waphakamisa ukumiswa kwe-bracket ezintathu zokuqala kanye nokunciphisa ukwenyuka kwe-bracket ezisele (kufinyelele cishe ku-1%–2,5% ngenyanga), okushiya isivumelwano sokugcina kufinyelelwe kuso ngezingxoxo zomphakathi kanye nezinqubo zephalamende.
Njengereferensi, ezinye izilinganiso ziphakamise ukwenyuka kwanyanga zonke okusukela kuma-euro ambalwa kuma-bracket aphakathi kuya kuma-€200 ngaphezulu kwama-bracket aphezulu. Kunoma ikuphi, lezi ziphakamiso zisaxoxwa ngazo , ngakho-ke kuyalulekwa ukulandela izibuyekezo ezisemthethweni ngaphambi kokwenza noma yiziphi izinqumo zesakhiwo.
Izibopho, izinkokhelo ezingaphelele kanye nentela ehlobene
Umnikelo wezokuphepha komphakathi ozisebenzelayo uphoqelekile kusukela ngosuku lokuqala lomsebenzi futhi ukhokhwa njalo ngenyanga. Enyangeni yokubhalisa noma yokususa ukubhaliswa, ukhokha kuphela izinsuku zangempela ezisetshenzisiwe , hhayi inani eliphelele lenyanga, okunciphisa umthelela lapho izimo zishintsha.
Ngale kwe-Social Security, khumbula izibopho zakho zentela (i-VAT, intela yengeniso, kanye nezinkokhelo zekota). Umnikelo we-social securities ozisebenzelayo awukhokhiswa i-VAT futhi udonswa njengezindleko ngaphandle kokudinga i-invoyisi, kodwa akuyona intela: ngumnikelo wakho kwi-Social Security ukuze umboze izimo eziphuthumayo kanye nezimpesheni.
Yiziphi izici ezithonya umnikelo wakho? Ngokuyinhloko, imali engenayo yakho kanye nesisekelo somnikelo osikhethayo ngaphakathi kwe-bracket. Amabhonasi (isilinganiso esilinganiselwe, umlingani, njll.) kanye nezimo ezifana nokuqashwa kwabantu abaningi nazo zinomthelela . Umphakathi ozimele unganikeza ukwesekwa okwengeziwe, kodwa ukubalwa komnikelo kwenziwa ezingeni likazwelonke futhi akuxhomekile ebulilini besisebenzi.
Uma udinga ukufaka i-invoyisi kusukela ngosuku lokuqala, cabanga ngokusebenzisa ithuluzi lokufaka ama-invoyisi kanye nenkampani yokubala imali. Uzoba nokulawula imali engenayo, izindleko, kanye nezibikezelo , okwenza kube lula ukulungisa isisekelo sakho sentela futhi ugweme ukungafani embuyweni yakho yentela yonyaka.
Inzuzo enkulu yesistimu yamanje ukuguquguquka kwayo ekuvumelaniseni izingcaphuno namaqiniso ebhizinisi. Ukuqonda amazinga ahlukene, ukusebenzisa i-simulator, nokubuyekeza isisekelo sakho njalo ezinyangeni ezimbili kukuvumela ukuthi uthuthukise i-premium yakho, uthuthukise ukuvikelwa kwakho, futhi ugweme izinto ezimangazayo ekupheleni konyaka.
