Imiphumela ye-embargo ngaphandle kwesaziso esisemthethweni e-Spain

Ukuthola ngobusuku obubodwa ukuthi i-akhawunti yakho ivaliwe noma umholo wakho wehlisiwe nge-oda lokuhlobisa kuyishaqisa elikhulu. Abantu abaningi bayazibuza ukuthi lokhu kusemthethweni yini, ukuthi kungahlotshiswa yini ngaphandle kwesixwayiso, nokuthi benzeni uma ukuhlobisa sekuvele kwenziwe ngaphandle kolwazi lwabo.

Kuyo yonke le ndatshana, sizochaza ngokuthula kodwa ngokucacile imiphumela yokubanjwa kwecala okungazisiwe, ukuthi kusebenza nini, ukuthi imiphi imingcele ekhona, nokuthi ungasabela kanjani . Uzobona izici zomthetho nezokuphatha (iHhovisi Lentela, Ukuphepha Komphakathi, izinhlawulo, omasipala bendawo, njll.), izimpahla ezithinteke kakhulu, izinsuku zokugcina ezibalulekile, kanye nezindlela zokuzivikela, okuhlanganisa noMthetho Wethuba Lesibili kanye nezinye izindlela zokuvimba noma zokuqeda ukubanjwa kwecala okwenziwa ngendlela engafanele.

Yini ngempela i-embargo futhi iyiphi indima edlalwa isaziso?

Isinamathiseli empeleni siyisinyathelo esingokomthetho sokuphoqelela ukuqoqwa kwesikweletu . Kungathinta i-akhawunti yakho yasebhange, umholo wakho, ukubuyiselwa kwentela, imoto yakho, ikhaya lakho, noma ezinye izimpahla namalungelo. Umqondo ulula: uma ungakhokhi ngokuzithandela, umbolekisi (inkantolo noma i-ejensi kahulumeni) uzothatha izimpahla zakho ukuze aqoqe isikweletu.

Emkhakheni wezobulungiswa, umyalelo wokunamathisela ukhishwa ngaphakathi kwenqubo yezomthetho noma yobugebengu. Ijaji noma inkantolo kuphela engayala ukunamathisela kwezomthetho , ngokuvamile ngesicelo sombolekisi ophumelele icala noma ofuna umyalelo wokuqinisekisa inkokhelo yesikhathi esizayo. Emkhakheni wokuphatha, i-Tax Agency, i-Social Security, i-Directorate General of Traffic, amakhansela endawo, kanye nezinye izinhlangano zinganamathisela ngqo izimpahla ngezinqubo zokuphoqelela ngaphandle kokudinga imvume yezomthetho.

Isaziso sidlala indima ebalulekile ngoba siqinisekisa ilungelo lokuzivikela kanye nomgomo wenqubo efanele . Okweletayo kumele aqaphele lokhu:

• Ukuba khona kwesikweletu (ukukhokha, ukulungiswa kwezijeziso, inhlawulo, njll.).
• Ukuqala kwenqubo yokuphoqelela noma yokuqoqangezindleko ezengeziwe kanye nethuba lokubanjwa.
• Isixazululo esiqondile noma umyalelo wokubamba, okubonisa ukuthi yiziphi izimpahla ezizothathwa nokuthi ngaliphi inani.

Ngaphandle kwesaziso esisebenzayo, iqembu elithintekayo alikwazi ukukhokha ngesikhathi, ukuphikisa, ukuxoxisana, noma ukuqoka izimpahla ezingathwali umthwalo omkhulu. Ngakho-ke, ukuthathwa kwempahla ngaphandle kwesaziso esifanele noma esanele kungadluliswa icala futhi kungaholela nasekukhanselweni kwezinqubo uma kubonakaliswa ukuntuleka kwenqubo efanele.

Kungenzeka yini ukubamba impahla ngaphandle kwesaziso esisemthethweni kokweletayo?

Umthetho ojwayelekile ohlelweni lwaseSpain ucacile: ukunamathiselwa akufanele kwenziwe ngaphandle kokuba umuntu okweletayo aziswe ngesikweletu kanye nokuqala kwezinqubo zokuphoqelela. Lokhu kusebenza kokubili emkhakheni wezobulungiswa (uMthetho Wezinqubo Zomphakathi) kanye nasendaweni yokuphatha (uMthetho Wentela Ojwayelekile, Imithethonqubo Yokuqoqa Okujwayelekile, kanye nemithetho ejwayelekile yenqubo).

Kodwa-ke, empeleni kunezimo ezintathu ezenza abantu abaningi bazizwe sengathi babanjwe "ngaphandle kwesixwayiso" :

• Isaziso sithunyelwe kodwa asifundwanga: Ithunyelwe ekhelini lentela noma ekhelini lokugcina elaziwayo, kodwa okweletayo akasahlali lapho, akazange asilande isaziso noma akazange alivule ibhokisi leposi.
• Izaziso ze-elekthronikhi akuxhunywanga nazo: emahhovisi e-electronic (AEAT, TGSS, njll.) noma amasistimu afana ne-DEHú, lapho isaziso sithathwa njengesenziwe ngokudlula nje komnqamulajuqu, noma ngabe isakhamuzi singakaze sifinyelele kuso.
• Ukusetshenziswa kwe-edicts namabhodi ezaziso e-electronicUma umuntu onentshisekelo engatholakali, ishicilelwa ku-BOE noma ku-Single Edictal Board futhi, ngokusemthethweni, ibhekwa njengokwaziswa.

Kulezi zimo, ukuthathwa kwecala akukhona "ngaphandle kwesaziso," kodwa kunesaziso esisemthethweni kodwa esingenaphutha, noma leso, empeleni, esingafikanga eqenjini elithintekile . Yilapho umuntu angasola khona ukuntuleka kwenqubo efanele futhi acele ukuthi kukhanselwe noma kuguqulwe inqubo.

Kunezimo ezithile lapho ijaji lingayala khona izinyathelo zokuqapha eziphuthumayo ngaphandle kwesaziso sangaphambilini (isibonelo, ukuvimbela othile ekufihleni impahla uma ebhekene nobugebengu obukhulu), kodwa noma kunjalo umuntu okweletayo kumele aziswe ngokushesha ngangokunokwenzeka ukuze akwazi ukuphikisa. Ngaphandle kwamacala abucayi, noma yikuphi ukuthathwa kwempahla evamile (imali engenayo, ama-akhawunti, izimoto, izindlu, njll.) kudinga okungenani iziqinisekiso ezisemthethweni.

Ukubanjwa ngokomthetho kanye nokubanjwa kokuphatha: umehluko ongokoqobo

Nakuba umthelela wezezimali ungase ubonakale ufana, ukuthathwa kwempahla okuyalelwe yinkantolo akufani nalokho okuyalelwe yiHhovisi Lentela noma i-Social Security. Ukuthathwa kwempahla okuyalelwe yinkantolo kuvela esinqumweni senkantolo , ngokuvamile kulandela icala lombango lokungakhokhi (izimali mboleko, irenti, izikweletu, izikweletu phakathi kwabantu) noma ekukhishweni kwesahlulelo, futhi kulawulwa ngokuyinhloko yi-Civil Procedure Law.

Kulesi simo, ukuvinjelwa kuvame ukulandela lezi zigaba :

• Isimangalo sesikweletu kanye necala.
• Amasamanisi enkantoloUma wehluleka ukuvela, ungamenyezelwa ngokuzenzakalelayo.
• Isahlulelo esibeka inani okumele likhokhwe, kanye nenzalo nezindleko.
• Isicelo sokukhokha ngokuzithandela ekukhipheni isigwebo.
• Uma ungakhokhi, ijaji liyala ukuthi kuthathwe wezimpahla ezithile ezilandela umyalelo wezomthetho.
• Isaziso sezinqubo zokuthatha futhi, lapho kufanele, ukuqokwa kwezimpahla ngumkweleti.

Ngakolunye uhlangothi, ukubanjwa kokuphatha kuyalelwa ngqo nguhulumeni (i-Spanish Tax Agency, i-Social Security Treasury, amakhansela endawo, njll.) ngaphandle kokuya kumahluleli. Inqubo evamile yile:

• Inkokhelo noma inhlawulo: i isikweletu sentela noma inhlawulo.
• A isikhathi sokubhalisa ngokuzithandela, ngokuvamile izinsuku zebhizinisi ezingu-20.
• Uma ungakhokhi noma ungadlulisi isikhalazo, inqubo iyaqala izinqubo zokuphoqelela ngenkokhiso eyengeziwe.
• Uma uqhubeka nokwehluleka ukukhokha, kuzokhishwa isinqumo. ukuqulwa kwecala kuma-akhawunti, amaholo, ukubuyiselwa kwemali yentela engenayo, izimoto, izindlu nomhlaba, njll.

Kuzo zombili izimo kudingeka isaziso, kodwa inqubo yokuphatha izenzakalelayo kakhulu futhi inkulu , okwandisa izinkinga zezaziso "ezingafinyeleli" isakhamuzi ngempumelelo.

Ama-akhawunti asebhange afriziwe: imiphumela nezibopho zebhange

Ukuvalelwa kwama-akhawunti asebhange kuyindlela ekhethwayo esetshenziswa yizinkantolo kanye nezikhungo zikahulumeni. Kuhilela isikhungo sezezimali ukuvimba yonke noma ingxenye yebhalansi ku-akhawunti ngosuku ethola ngalo i-oda , sibambe imali ukuze idluliselwe egunyeni elikhiphayo.

Ngokwemigomo yeBhange laseSpain kanye nemithethonqubo yokuqoqwa kwentela, ibhange kumele lihambisane nezibopho eziningana ezibalulekile :

• Yazisa umnikazi we-akhawunti nge-lien ngokushesha, okubonisa inani elibanjiwe, isiphathimandla siyala isilinganiso, kanye nolwazi lokuxhumana ukuze uthole izincazelo ezingaba khona.
• Thatha kuphela ibhalansi etholakalayo ngaleso sikhathi.ngaphandle kokushiya i-akhawunti idonswe ngaphezulu. Ibhizinisi alikwazi ukwenza i-overdraft ngokuthobela i-oda lokuhlobisa.
• Vumela ukusetshenziswa kwebhalansi esele engavinjiwe imisebenzi yansuku zonke: amarisidi, izinkokhelo, ukudluliselwa, i-ATM, njll.

Ngaphezu kwalokho, uma inkokhelo yomholo, impesheni, noma izinzuzo ifakwa ku-akhawunti, imikhawulo yokungathathwa kanye nemikhawulo esemthethweni kumele ihlonishwe . Ukubanjwa akukwazi ukukhipha ngokuphelele i-akhawunti uma ukwenza kanjalo kuzophula ingxenye yomholo noma impesheni umthetho othi ayithinteki.

Kuvamile ukuthi umuntu othintekile afunde ngokuhlobisa ngoba ibhange limtshela ngokumiswa kwecala. Ngaleso sikhathi, ngaphezu kokukhuluma nebhange ukuze kucaciswe imininingwane, kubalulekile ukucela ikhophi ye-oda lokuhlobisa noma isaziso esisemthethweni , esichaza ifayela lecala, inani, kanye negunya elikhiphayo. Lo mbhalo uzoba yindawo yokuqala yokubukeza ifayela lecala nokuqinisekisa ukuthi izaziso zangaphambilini bezilungile yini.

Imikhawulo esemthethweni ekuhlobiseni amaholo, izimpesheni kanye neminye ingeniso

UMthetho Wenqubo Yomphakathi ubeka imithetho ecacile mayelana nokuthi imalini engatholwa ngomholo, impesheni, noma umholo wobungcweti . Ingqikithi yalokhu yilowo obizwa ngokuthi umholo omncane ongenakuhlotshiswa, oxhumene ne-Interprofessional Minimum Wage (SMI) yamanje.

Njengesiqondiso esijwayelekile, uma umthombo wakho wemali engenayo kuphela umholo noma impesheni ewela ngaphansi komholo omncane wanyanga zonke , lelo nani ngokuvamile alinakubanjwa. Ngaphandle kwalokho, amazinga akhulayo okubanjwa asebenza kunoma yiliphi inani elidlula umholo omncane , ngokuhambisana ne-Athikili 607 yoMthetho Wenqubo Yomphakathi waseSpain (LEC).

• Kuze kufike kumholo omncane: 0% ngaphansi kokuhlobisa.
• Phakathi kwe-1 ne-2 izikhathi zeholo elincane: okulandelayo kungathathwa U-30% wengxenye eyeqa umholo omncane.
• Phakathi kuka-2 no-3 izikhathi zeholo elincane: impahla iyathathwa 50% wemali eyeqile cishe kabili iholo elincane.
• Phakathi kuka-3 no-4 SMI: okulandelayo kuyasebenza 60% mayelana naleso sigaba esisha.
• Phakathi kuka-4 no-5 SMI: the 75% yemali esele ehambisanayo.
• Ngaphezulu kuka-5 SMI: iphesenti likhuphukela ku 90% yesigaba esiphezulu.

La maphesenti angancishiswa phakathi kuka-10% no-15% uma umuntu okweletayo enabo abathembele kuye , uma nje lesi simo sibhalwe phansi ngokufanele. Ukubalwa ngokuvamile kusekelwe enanini eliphelele (ngemuva kwentela kanye neminikelo yezokuphepha komphakathi) futhi, uma kwenzeka imibhangqwana eshadile, imali engenayo yabo bobabili abashadile ihlanganiswa ndawonye ngaphandle kokuthi banesivumelwano sangaphambi komshado.

Umqashi noma inhlangano ekhokhayo inesibopho sokusebenzisa le mithetho lapho ithola umyalelo wokuhlobisa amaholo, amaholo, noma impesheni. Kumelwe igodle kuphela lokho okusemthethweni okufanele ikhokhwe futhi yazise isisebenzi noma umhlalaphansi ngenani elibanjwe kanye nomboleki otholayo . Uma ukuhlobisa kudlula inani elivunyelwe, imali eyengeziwe ingafunwa.

Ukuquleka okuningi, ubude besikhathi kanye nencwadi kadokotela

Umbuzo ovamile ukuthi iholo lakho noma i-akhawunti yakho yasebhange ingahlotshiswa kangaki nokuthi isikhathi esingakanani. Ngokomthetho, ukuhlobisa kungaqhubeka kusebenza kuze kube yilapho isikweletu, inzalo, kanye nezindleko sezikhokhwe ngokugcwele . Akukho usuku oluqondile lokuphelelwa yisikhathi kokuhlobisa ngokwako, yize izikweletu ziphela ngokwemigomo yomthetho ngamunye othize.

Uma kukhona ukuhlobisa kweholo, ukuhlobisa kwesibili okuvela komunye umbolekisi kungangezwa, kodwa kuphela uma ukuhlobisa kokuqala kungakaqedi yonke imikhawulo yokuhlobisa engenzeka. Ngamanye amazwi, ukuhlobisa kusatshalaliswa ngokwenani lokuhlobisa kokuqala. Uma umbolekisi wokuqala esevele esebenzisa yonke imikhawulo yokuhlobisa etholakala ngokomthetho, ukuhlobisa kwesibili akukwazi ukusetshenziswa kulowo mholo ofanayo.

Ngokuphathelene nokwelashwa kwesifo sikashukela, kubalulekile ukuhlukanisa imibono emithathu :

• Isimiso semikhawulo yesikweletuUhlobo ngalunye lwesikweletu (intela, izakhamuzi, ukuphepha komphakathi, njll.) lunomthetho walo wemikhawulo. Uma leso sikhathi sesidlulile ngaphandle kokuphazamiseka, isikweletu ngeke sisafunwa.
• Ukuphelelwa yisikhathi noma isimiso semikhawulo yesenzo sokuphoqelelaUma i-Administration noma umbolekisi eshiya inqubo imisiwe isikhathi eside kakhulu, inqubo yokuphoqelela ingaphelelwa yisikhathi noma inqunywe.
• Imikhawulo yesikhathi sokufaka isikhalazo: ngokuvamile mfushane kakhulu (inyanga eyodwa, izinsuku eziyi-15, njll.), kodwa uma isaziso besinephutha, zingabhekwa njengezingaqaliswanga kuze kube yilapho lowo othintekayo enolwazi olusebenzayo.

Ezimweni zokubanjwa ngaphandle kwesaziso sangempela, kuvuleka ithuba lokuphikisa izenzo zangaphambilini nokucela ukubuyiselwa kwemali eqoqwe ngokungafanele , uma nje kuboniswa ukuntuleka kokuzivikela futhi kuhlonishwa izinsuku zokugcina, kubalwa kusukela lapho ukufinyelela ifayela noma umyalelo wokubanjwa kwatholakala khona.

Ungathola kanjani ukuthi ubani owayala ukuthi kuthathwe futhi ubuyekeze ifayela

Uma uhlangabezana ne-oda lokubanjwa elingalindelekile, isinyathelo sokuqala ukuyeka ukwenza izinto ngokungaboni. Udinga ukwazi ukuthi yiliphi igunya elikhiphe i-oda nokuthi livela kuliphi icala . Ukuze wenze lokhu:

• Cela ikhophi ye- umbhalo noma umyalelo wokudlikizaKumelwe ihlanganise igunya (inkantolo, i-AEAT, i-TGSS, ihholo ledolobha…), inombolo yefayela, inani kanye nosuku.
• Ngalolu lwazi, vakashela noma uthinte i- umzimba ohlanganisayo ukucela ikhophi egcwele yefayela nazo zonke izinyathelo zesaziso.

Uma umyalelo wokuthathwa kwempahla uvela eHhovisi Lentela, ezokuPhepha Komphakathi, eMnyangweni Wezomgwaqo, noma emkhandlwini wendawo, hlola iHhovisi lakho le-elekthronikhi futhi, uma unemibuzo, thintana neBhodi Yemithetho Eyodwa Ye-Official State Gazette, lapho kungenzeka ukuthi kushicilelwe khona izaziso ngesimemezelo. Uma kungumyalelo wokuthathwa kwempahla okhishwe yinkantolo, ungacela ukufinyelela ezinqubweni namarekhodi wezaziso enkantolo , okuhlanganisa imizamo yokulethwa, ukubuyiselwa kwempahla ngeposi, kanye nezaziso ze-elekthronikhi.

Uma uhlaziya ifayela, kufanele ubheke :

• Amakheli asetshenzisiwe futhi uma zihambisana nekheli lakho langempela phakathi naleyo minyaka.
• Izinsuku nemizamo yesaziso kanye nokuthi zonke izindlela zaziphelile yini ngaphambi kokuba kusetshenziswe iziyalezo.
• Bhalisela izaziso ze-elekthronikhi (okuphoqelekile noma ngokuzithandela) futhi uma uthole isaziso ngeposi noma nge-SMS.

Ngalo lonke lolo lwazi ungahlola ukuthi ngabe kube nesaziso esisemthethweni noma ukuthi, ngokuphambene nalokho, kukhona yini isisekelo sokusola ukuntuleka kwesaziso esisebenzayo kanye nesimo sokungabi namandla okuzivikela , okukuvumela ukuthi ufake izikhalo, izehlakalo zokungasebenzi kanye nokubuyiselwa kwezimpahla ezithathiwe.

Izindlela zokuphonsela inselelo ukubanjwa ngaphandle kwesaziso esivumelekile

Uma uthola ukuthi awutholanga isaziso esifanele, unezinketho eziningana. Ngokokuphatha, ungafaka isikhalazo sokucatshangelwa kabusha noma isimangalo sokuphatha ngokwezomnotho ngokumelene nomyalelo wokubanjwa noma isenzo sokuphoqelelwa kwangaphambilini. Ngokomthetho, ungaphikisana nokuphoqelelwa futhi ufake ngisho nesicelo sokuqeda inqubo uma isahlulelo noma umyalelo wokuphoqelelwa ukhishwe ngaphandle kokuzwa uhlangothi lwakho lwendaba.

Kuzo zombili izindawo kunezindlela ezimbili zesenzo :

• Isikhalazo esijwayelekile ngokumelene nesenzo osibheka njengesingalungile (ukuvalwa, umyalelo wokuqinisekisa, ukuqulwa kwecala lokushaqa, isimemezelo sokubulawa, njll.).
• Ubuze bokuqulwa kwamacala ngenxa yokuntuleka kokuzivikela uma ungazange ukwazi ukuzivikela ngenxa yokuthi isaziso besingekho noma sibonakala sinesici.

Ngesikhathi esifanayo, kubalulekile ukucela izinyathelo zokuphepha ukuze kumiswe ukuthunjwa , kuchazwe umonakalo obangelwa ukugcina ukugodla imali okukubangela wona (isibonelo, ukukushiya ungenayo imali eyisisekelo) futhi kunikezwe amadokhumenti afakazela lokho (ama-stub okukhokha, izindleko ezibalulekile, imithwalo yemfanelo yomndeni).

Isifinyezo esihle sesikhalazo kufanele:

• Chaza ngokucacile ukuthi kungani ungazange uthole.: ukushintshwa kwekheli elibhalisiwe, amaphutha kubalo lwabantu, isaziso ekhelini elingalungile, ukubhaliswa kwezaziso ze-elekthronikhi ngaphandle kolwazi olwanele noma ngaphandle kokufinyelela kwangempela, ukusetshenziswa ngaphambi kwesikhathi kwezimiso, njll.
• Nikeza ubufakazi bombhalo: izitifiketi zokubhalisa, izivumelwano zokuqashisa, izincwadi zendali, ubufakazi bokushintsha ikheli lentela, izithombe-skrini zendlunkulu ye-elekthronikhi, izaziso ezivela eCorreos, njll.
• Ukucela ngokucacile ukumiswa, ukuchithwa nokubuyiselwa wamanani agodliwe, kanye nokuhoxiswa kwanoma yiziphi izaziso zokushaqa ezimpahleni, uma zikhona.

Nakuba kungenzeka ukuhambisa la madokhumenti ngokwakho, ukuba nochwepheshe ochwepheshe kuvame ukwenza umehluko omkhulu, ikakhulukazi uma kunezinsuku zokugcina eziqinile kanye nezinkinga zobuchwepheshe eziyinkimbinkimbi ezihilelekile.

Imininingwane yokubanjwa kwentela nokuvikeleka komphakathi

Endabeni yezikweletu zomphakathi, uhlelo lokuqoqwa kwemali lusebenza kahle kakhulu, futhi ngezinye izikhathi kuxoxwa ngezinyathelo ezifana nokukhululwa kwentela eSpain . I-Tax Agency kanye nedatha ye-Social Security ehambisana namabhange, izinkampani, kanye nezinye izinhlaka zikahulumeni ukuze kubanjwe ibhalansi, amaholo, izimpesheni, kanye nokubuyiselwa kwemali yentela cishe ngokuzenzakalelayo.

Ngaphambi kokufika kulelo qophelo, bekufanele ngabe bakwazisile :

• La ukukhokhwa kwentela noma ukuqinisekiswa (noma isikweletu semali, izinkokhelo ezengeziwe, izinhlawulo, njll.).
• El umnqamulajuqu wokukhokha ngokuzithandela.
• La ukuhlinzekwa kokuphuthumanezindleko ezengeziwe nenzalo.
• Ekugcineni, i ukuqulwa kwecala ezimpahleni ezithile.

Uma ungakayiboni noma yikuphi kwalokho, hlola ilogi yesaziso efayeleni: izinsuku, imizamo, ukuthi ngabe ufakiwe ohlelweni lwezaziso lwe-elekthronikhi, ukuthi ngabe izimemezelo zikhishwe ku-BOE noma ku-Single Edictal Board nokuthi ngabe ube nethuba lokufinyelela lezo zaziso ngempela.

Uma kutholakala amaphutha amakhulu, ungafaka isikhalazo noma isimangalo sokuphatha ngokwezomnotho ngenxa yokuntuleka kwesaziso esisebenzayo kanye nokuntuleka kwenqubo efanele, ucele ukumiswa kwenqubo, bese ucela ukuthi inqubo iqalwe kabusha kusukela lapho kufanele ngabe waziswa khona ngendlela efanele. Kubalulekile futhi ukuqinisekisa ukuthi ukuthunjwa kwecala kuhlonishwe:

• I-Los imikhawulo yokubanjwa zamaholo, izimpesheni kanye nemihlomulo.
• El umyalelo wezomthetho wokuthathwa kwempahla (imali, izikweletu, amaholo, izimoto, izindlu, njll.).
• Ukuvikelwa kwe izinzuzo ezingafinyeleleki emphakathini kanye nezidingo eziyisisekelo.

Isimo esiyinkinga kakhulu sivela lapho, ngaphambi nje kokuba kukhishwe imali yomholo noma yenzuzo, yonke ibhalansi ye-akhawunti ibanjwa ngokuzumayo , ithatha imali okufanele, empeleni, ivikelwe. Ezimweni ezinjalo, kungenzeka ukucela ukubuyiselwa kwemali engenakubanjwa ebanjwe ngenxa yesikhathi esibi sokuhlobisa.

Umsebenzi wezinkampani nama-ejenti wezinkampani zangaphandle ezibambayo uma kwenzeka okunamathiselwe

Lapho iziphathimandla zentela noma inkantolo ikhipha umyalelo wokuhlobisa impahla ngokumelene nezimali ezitholwayo, inkokhelo, noma izinkokhelo umuntu wesithathu azikweleta umuntu okweletayo, lowo muntu wesithathu (inkampani, iklayenti, umkhokhi) uba yi- ejenti yokubamba ebophekile ngokomthetho . Lesi yisibonelo esivamile somqashi ogodla ingxenye yomholo wesisebenzi ukuze ayikhokhele iziphathimandla zentela, noma inkampani ethola umyalelo wokuhlobisa impahla ngokumelene nama-invoyisi omhlinzeki.

Imithethonqubo yentela (uMthetho Wentela Ojwayelekile kanye neMigomo Yokuqoqwa Okujwayelekile) ibeka ukuthi isenzo ngasinye sokuthatha impahla kumele sibhalwe phansi ngesaziso esisemthethweni esinikezwa kokubili umkhokhi wentela kanye, lapho kufanele khona, i-ejenti yokubamba impahla . Lo muntu wesithathu kumele alandele ngokuqinile imiyalelo esesazisweni: bamba inani elibekiwe futhi alenze litholakale kugunya lokuthatha impahla, ngaphakathi kwemingcele esemthethweni.

Ngezinye izikhathi kuphakama umbuzo wokuthi inkampani ingayeka yini ukubamba intela lapho isisebenzi noma umhlinzeki eveza isitifiketi sokuthi inolwazi lwakamuva ngezinkokhelo noma ubufakazi bokukhokha. Impendulo icacile: kuze kube yilapho kunesaziso esisemthethweni sokususwa noma ukuqedwa kokuhlobisa okukhishwe yigunya elikhiphayo, inkampani kumele iqhubeke nokubamba intela.

Uma umqashi noma umkhokhi enquma ukuyeka ukubamba amaholo ngokusekelwe kuphela kumadokhumenti anikezwe ngumkweleti, usengozini yokwephula umyalelo wokuhlobisa futhi abhekane necala ngokubambisana ngezimali ahlulekile ukuzikhokha. Uma kukhona ukungabaza, inkampani kufanele ixhumane neziphathimandla zentela ezifanele noma inkantolo ngqo ukuqinisekisa isimo secala futhi ilinde isaziso esisemthethweni ngaphambi kokushintsha inkambo yalo.

Izimpahla ezingabanjwa kanye nokuvikelwa kweholo elincane lokuphila

Nakuba ukuthunjwa kuyithuluzi elinamandla, umthetho waseSpain usungula uchungechunge lwezimpahla namalungelo angenakubanjwa noma athola isivikelo esiqinisiwe , ukuze kuvikelwe isithunzi kanye nokuphila okuncane kwabantu.

Izimiso eziyinhloko zokuvikela zifaka:

• El iholo noma impesheni eyeqile emalini ephansi, enama-nuances nezigaba osekuxoxwe ngazo.
• Impela izinzuzo zomphakathi kanye nosizo oluphuthumayo, ezingenakubanjwa ngokoqobo kwazo.
• El izimpahla zasendlini eziyisisekelo kanye nezimpahla ezibalulekile zokuphila kwansuku zonke.
• Amathuluzi, izinsimbi kanye izimpahla ezidingekayo ukuze kusetshenziswe umsebenzi wobungcweti, kuze kufike emikhawulweni ethile.

Uma ukuthumba kuthinta lezi zimpahla noma kwephula imingcele esemthethweni (isibonelo, ukukhipha imali e-akhawuntini lapho kufakwa khona impesheni encane kuphela), iqembu elithintekayo lingacela ukusulwa kwengxenye yokuthumba noma ukubuyiselwa kwemali engenakubanjwa, okufakazela imvelaphi yezimali kanye nokuvikelwa kwazo.

Empeleni, kuyasiza kakhulu ukunikeza izitifiketi ezivela kumqashi noma enhlanganweni ekhokhayo ezibonisa uhlobo lwemali engenayo (umholo, impesheni, izinzuzo zomphakathi, njll.) kanye nenani layo eliphelele, kanye nezitatimende zasebhange ezibonisa ukuthi i-akhawunti ixhaswa kuphela yile mithombo.

Izinyathelo ezisebenzayo ezisheshayo okufanele uzithathe uma kwenzeka uvinjelwa "okumangazayo".

Uma uthola i-lien ibonakala sengathi ayinasixwayiso, kulula ukuyibamba. Kodwa-ke, kunezinyathelo eziningana eziphuthumayo okufanele uzithathe ngokushesha ukuze ugweme ukulahlekelwa izinketho zakho zokuzivikela:

• Buza ibhange, inkampani, noma inhlangano ebambe inkokhelo yakho ikhophi yomyalelo wokushaqwa noma izinqubo, nayo yonke idatha evela kufayela.
• Landa futhi ugcine izitatimende zasebhange kanye nezinkokhelo wezinyanga ezithintekile, ukuze kulinganiswe inani elibanjiwe futhi kuboniswe umsuka wezimali.
• xhumana naye umzimba ohlanganisayo (inkantolo, i-AEAT, i-TGSS, ihholo ledolobha) kanye nezicelo ezibhalwe phansi ikhophi egcwele yefayela nezinqubo zesaziso.

Uma isimo sakho sezezimali sibucayi futhi ukuthathwa kwempahla kukushiya ungenazo izinsiza, chazela igunya lokuthatha impahla bese ucela ukumiswa okuphuthumayo noma ukuhoxiswa kwengxenye yokuthathwa kwempahla , unikeze amadokhumenti esivumelwano sakho sokuqasha, imali mboleko yendlu, izinsiza, izibopho zomndeni, njll. Uma wethula ulwazi oluqondile, kulapho amathuba okuba ubuthakathaka bakho buzocatshangelwa khona.

Uma konke sekuqoqwe, isinyathelo esilandelayo ukulungiselela isikhalazo esibhaliwe, ukuphikisa, noma isicelo sokubeka eceleni inqubo , njengoba kufanele, esichaza ukuntuleka kwesaziso esisebenzayo, ukuntuleka kwenqubo efanele, noma yikuphi ukwephulwa kwemikhawulo yokubanjwa kwecala (uma kusebenza), kanye nokucela: ukumiswa, umphumela wokubuyela emuva, ukubuyiselwa kwemali, kanye nokukhanselwa kwezaziso zokubanjwa kwecala. Uma icala liyinkimbinkimbi noma amanani ahilelekile emakhulu, kunconywa kakhulu ukufuna usizo kochwepheshe abangochwepheshe.

Amasu abalulekile: ukuxoxisana, uMthetho Wethuba Lesibili kanye nokuncintisana

Ngaphandle kokusabela ekuthathweni kwempahla ethile, abantu abaningi bazithola besesimweni sokugcwala ngokweqile kwezikweletu , kanye nababolekisi abaningi kanye nengozi yokuqongelela ukudliwa kwempahla ngokulandelana. Kulezi zimo, kuyalulekwa ukucabangela izixazululo ezibanzi.

Indlela eqondile kakhulu, uma kungenzeka, ukukhokha isikweletu noma ukuxoxisana ngesheduli yokukhokha nomboleki (izitolimende, ukuxolelwa kwesikweletu okungaphelele, ukuhlela kabusha). Uhulumeni, ikakhulukazi i-Tax Agency kanye ne-Social Security, unikeza izinhlelo zokuhlehlisa isikweletu kanye nokukhokha ngezitolimende , ezingamisa ukubanjwa kwezikweletu okuqhubekayo uma zinikezwa futhi zikhokhwa ngesikhathi.

Uma inkinga ihlelekile, uMthetho Wethuba Lesibili , manje ohlanganiswe kuMbhalo Ohlanganisiwe woMthetho Wokungakwazi Ukukhokha Izikweletu, uyaqala ukusebenza . Le ndlela ivumela abantu ngabanye kanye nabasebenzi abazisebenzelayo abenza ngokwethembeka, abangakwazi ngempela ukuhlangabezana nezibopho zabo zezikweletu, ukuhlela kabusha noma ngisho nokukhansela izikweletu zabo ngokugcwele noma ngokwengxenye ngokukhipha izikweletu ezisele.

Uma kuhlangatshezwana nezidingo ezithile, kungenzeka ukuthola impumuzo yesikweletu ehlanganisa ngisho nezikweletu eziya eHhovisi Lentela kanye ne-Social Security, futhi lokho kungaqeda izikweletu, izinqubo zokuqoqa izikweletu, kanye namarekhodi okuphulwa kwemithetho . Le nqubo inezigaba eziningana (ukuxoxisana nababolekisi, uhlelo lokukhokha olungenzeka, ukuvalwa kwezimpahla, njll.) futhi idinga ukuhlaziywa okuningiliziwe kwecala ngabameli abangochwepheshe kanye nosomnotho.

Ezimweni zebhizinisi noma ezinezikweletu eziphakeme kakhulu, izinqubo zokuqothuka zingabhekwa njengethuluzi lokuhlela izinkokhelo, ukumisa ukubulawa komuntu ngamunye nokuzama ukonga noma ukuqeda ibhizinisi ngendlela engembi kangako ngangokunokwenzeka.

Noma ngabe iyiphi indlela oyikhethayo, isihluthulelo ukungazinikeli futhi ungenzi ngokungacabangi : yazi kahle ubukhulu benkinga, ubuyekeze ukuquleka osekwenzekile, hlola ukunemba kwezaziso bese uthembela kochwepheshe uma isimo sidinga lokho.

Konke okungenhla kungase kubonakale kungaphezu kwamandla, kodwa ukuqonda ukuthi izimpahla zakho azikwazi ukudliwa ngaphandle kokuhlonipha ilungelo lakho lokwaziswa nokuzivikela kuyisinyathelo sokuqala esibalulekile. Uma uthintekile ekuthathweni kwemali okufike ngaphandle kwesaziso esibonakalayo kusengaphambili, ukubuyekeza ifayela lecala, ukuqapha imikhawulo yezomthetho, nokuhlola izinketho ezifana nokuphikisa ukudliwa kwemali, ukuxoxisana, noma ukufuna ukulungiswa kungenza umehluko phakathi kokubanjwa esikweletini esikhulu nokuthola ukuguquguquka kwezezimali.