Izinzuzo nosizo lwemindeni emikhulu eSpain

Uma kunabantu abaningi ekhaya futhi izikweletu zikhuphuka njengegwebu, kuhle ukwazi yonke imininingwane ngokujulile. izinzuzo kanye nosizo lwemindeni emikhulu ezikhona eSpain. Kukhona imali ebanjwayo yentela yomuntu siqu, izinzuzo, izaphulelo zokuhamba, kanye nezinzuzo kwezemfundo, izindlu, kanye nokusetshenziswa kwemali okuthi uma kuhlangene kuphumele ekongeni okubambekayo inyanga nenyanga.

Ngo-2025, izindlela ezahlukahlukene zizogcinwa futhi zandiswe, futhi eminye imiphakathi ezimele izokwethula intuthuko. Lapha, kuchazwe kabanzi, yilokho ongakucela, ukuthi uzokhokhelwa malini, ofaneleka kanye nendlela yokucubungula usizo ngalunye ukuze ungashiyi i-euro eyodwa etafuleni.

Uyini umndeni omkhulu, izigaba nokuthi ungakufakazela kanjani?

Imithethonqubo ibheka imindeni emikhulu, njengomthetho ojwayelekile, njengaleyo mizi enayo tres o más hijos (yemvelo, yokutholwa noma yokukhuliswa), nakuba kukhona futhi izimo ezinganeni ezimbili lapho izimo ezinjengokukhubazeka noma ukuba umzali oyedwa kwenzeka. Kusemqoka ukuhlukanisa phakathi categoría general (izingane ezintathu noma ezine; futhi ezimbili ezinezimo ezithile zokukhubazeka kwezingane noma zabazali) kanye categoría especial (izingane ezinhlanu noma ngaphezulu, noma ezine ezimweni ezithile zomnotho).

Ukuze ufinyelele iningi lezinzuzo ozidingayo isihloko esisemthethweni somndeni omkhulu, ekhishwe umphakathi wakho ozimele. Lo mbhalo uqinisekisa isimo sakho futhi uvule umnyango wokudonswa kwentela, izaphulelo zokuhamba, izinzuzo zemfundo, nolunye usizo lomphakathi.

Ngesihloko esandleni, abaphathi abaningi banikeza impatho ekhethwayo: kusukela ekubekweni phambili emifundazweni kanye plazas de guardería kuze kufike ekuncipheni kwemali ekhokhwayo yasenyuvesi nokufunda. Ukugcina amadokhumenti akho esesikhathini samanje (ukuvuselelwa, izinguquko zobulungu, ukukhubazeka, njll.) kwenza ukufinyelela usizo kube lula kakhulu.

 

Usizo kanye nezimali ezibanjwayo eziphethwe uMgcinimafa (IRPF)

Hacienda inikeza izimali ezibanjwayo ezimbalwa ezilula intela yentela yomuntu siqu futhi zingaqoqwa kusengaphambili. Okulandelayo imininingwane ezibanjwayo ezibalulekile kanye nezimfuneko zazo, okuhlanganisa nalezo zesifunda ezifanele kakhulu ezifakwe kokuqukethwe okuyisithenjwa.

Ukudonswa kwemali kwemindeni emikhulu (isifunda)

Ingenye yezinzuzo zentela ezinamandla kakhulu. Imelela kuze kube 1.200 € anuales (€ 100 ngenyanga) esigabeni esijwayelekile, futhi ingaphinda iphindwe kabili categoría especial uma izimo zifinyelelwa. Isetshenziswa enkokhelweni yentela yomuntu siqu futhi ingaqoqwa njengenkokhelo eyodwa noma ngezitolimende zanyanga zonke.

Ubani ongafaka isicelo: ascendientes noma izelamani eziyizintandane yibo bobabili abazali abayingxenye yomndeni omkhulu futhi ezihlangabezana nanoma yiziphi izimfuneko ezilandelayo: ukubhaliswa ne-Social Security noma inkampani yomshwalense ohlanganyelwe njengesisebenzi esiqashiwe noma esizisebenzelayo; ukuthola izinzuzo zokungasebenzi (okunikela noma usizo); pensiones Ukuphepha Komphakathi noma Amakilasi Asebethathe Umhlalaphansi; noma ube yingcweti esebenzisana nenye i-mutual fund enezinzuzo ezilingana nalezo ze-RETA.

Izindlela zokukhokha: kungenzeka ukucela i kusengaphambili ngenyanga (€100) noma uthole imali ebanjwayo enkokhelweni eyodwa yonyaka. Emindenini esezigabeni ezikhethekile, amanani angase abe phezulu ngokuvumelana nemithetho yamanje.

Ukubanjwa kwesifunda okuphawulekayo

Asturias

Kukhona imali ethile ebanjwayo yalabo abanakho tres o más hijosInani lingu-€1.000 lemindeni yesigaba esijwayelekile kanye nama-E2.000 emindeni yesigaba esikhethekile.

• Imikhawulo yemali engenayo: Isisekelo esiphezulu esikhokhiswa intela esingu-€35.000 sembuyiselo ngayinye noma u-€45.000 wezimbuyiselo ezihlanganyelwe.
• Ukwamukelwa kuthathwa ngokuthi kwenzeke ngonyaka wokubhaliswa ku I-Spanish Civil Registry.
• Uma abakhokhi bentela abangaphezu koyedwa benelungelo, ukudonswa kwemali kuzoba njalo prorratea a partes iguales.

Castilla y León

Inani elijwayelekile lilingana €600Ngezingane ezine, imali ebanjwayo ikhuphuka ibe yi-€ 1.500; ngamahlanu, kuya ku-€2.500; futhi kusukela kowesithupha kuye phambili, ukubanjwa kuyenyuka. €1.000 enzalweni entsha ngayinye.

• Uma kukhona ingane enokukhubazeka 65% o superior, inyuswa ngo-€600 (ukukhubazeka okumenyezelwe yinkantolo ngaphandle kokufinyelela kulelo zinga kuyavunyelwa).
• Ukudonswa kwemali kusebenza kungakhathaliseki ukuthi base imponible del contribuyente.
• Uma abantu ababili benelungelo, bahlukaniswa ngokulinganayo; kubalulekile título de familia numerosa.

Galicia

Kubakhokhi bentela abanenzalo emibili, imali ebanjwayo €250Kusukela ngengane yesithathu, kunezelwa u-€250 wengane ngayinye eyengeziwe.

• Uma umkhokhintela noma omunye wenzalo yakhe enokukhubazeka 65% o más, amanani aphindwe kabili.
• Izidingo: banelungelo lobuncane benzalo; khetha kuphela imali ebanjwayo Uma eziningana zihlangene; ukuhlukaniswa ngesikhathi lapho abakhokhi bentela abangaphezu koyedwa befaka isicelo sezingane ezifanayo; kanye nokuhambisa isihloko lapho ugcwalisa amafomu entela.

Ukudonswa kwemali kokukhubazeka ophethe

Kukhona imali ebanjwayo ku cuota diferencial ngokuba nezihlobo eziphila nokukhubazeka. Kokuqukethwe kubonakala kubhekiselwa kukho "njengokwenyuka okuncike ekhubazekile", kodwa ukusetshenziswa kwayo kunemininingwane ngayinye descendiente abanokukhubazeka. Inani eliphezulu lingu-€1.200 ngonyaka (€100 ngenyanga) kumuntu ngamunye onokukhubazeka okungu-33% noma ngaphezulu.

• Kudingeka ukuthi ibhaliswe ku Ukuphepha komphakathi noma inkampani yomshwalense ohlangene; ukuthola izinzuzo zokungasebenzi; abe Nezimpesheni Zokuvikeleka Komphakathi noma Zomhlalaphansi; noma ube uchwepheshe kwenye inkampani yomshwalense ohlanganyelwe enezinzuzo ezilingana ne-RETA.

Deducción por nacimiento o adopción

UMnyango wezeziMali ubheka usizo ngendlela ebanjwayo kuze kufike ku 1.200 € al año (€100/ngenyanga) ngengane ngayinye ezelwe noma yokutholwa, inqobo nje uma umama ebhaliswe ne-Social Security noma inkampani yomshwalense ohlanganyelwe ngesikhathi sokuzalwa; noma wayemukela prestación por desempleo; noma ube nesandla okungenani izinsuku ezingama-30 ohlelweni oluhambisanayo ngemva kokuzalwa.

Ukudonswa kwezindleko zokunakekela izingane

Ezinganeni ezingaphansi kweminyaka emithathu ubudala ezibhalise ezikhungweni zokunakekela izingane noma ezikhungweni zemfundo yezingane zisencane, kunokwanda okwengeziwe okufika ku- €1.000 iyahambisana nokubanjwa kokubeletha. Ukwengeza kokubili ndawonye, ​​ukonga kungafinyelela €2.200 ingane ngayinye uma izidingo zifinyelelwa.

• Izidingo: ube ngumama/ubaba wengane engaphansi kweminyaka emithathu ubudala; banelungelo loku deducción por maternidad; uqashwe noma uzisebenze futhi ubhaliswe ne-Social Security noma inkampani yomshwalense ohlanganyelwe; futhi ingane encane kufanele ibhaliswe esikhungweni esigunyaziwe.

Ukudonswa kwezindleko zemfundo (imikhawulo namaphesenti)

Okuqukethwe futhi kufaka phakathi imali ebanjwayo enemikhawulo yemali engenayo namaphesenti ngezinjongo zemfundo. Kusebenza kubakhokhi bentela labo renta familiar ingaphansi komphumela wokuphindaphinda inani lamalungu omndeni ngo-€30.000.

• 15% wezindleko zesikole phakathi nezigaba Zemfundo Eyimpoqo, umjikelezo wesibili Wemfundo Yezingane Zasezincane kanye Nokuqeqeshwa Kwemisebenzi Eyisisekelo.
• 5% wezindleko zezimpahla zokugqoka ezisetshenziswa esikoleni kuphela ezigabeni ezifanayo.
• 10% wezindleko zokufundisa ulimi.

Isilinganiso esiphezulu esibanjwa ngenzalo ngayinye ngu €400 ngokuvamile, okungase kuphakanyiswe kuze kube €900 lapho izindleko zesikole zisekelwa, njalo ngaphakathi kohlaka Lwentela Yomholo Womuntu Siqu.

Izinzuzo Zokuvikeleka Komphakathi nezinye izinzuzo zomphakathi

Ngaphezu kokudonswa kwentela, i-Social Security nezinye iziphathamandla ziphakathi izinzuzo nezaphulelo okufanele ukubukezwa uma usemndenini omkhulu.

Prestación por nacimiento o adopción

Lena insiza yokukhokha eyodwa inani layo elingafinyelela kuye €1.000, ebekwe imikhawulo yemali engenayo kanye nokungatholi izinzuzo ezifanayo kwezinye imibuso yomphakathiKubalulekile ukuhlala ngokusemthethweni eSpain.

Inzuzo yokuzalwa okuningi noma ukutholwa

Ekuzalweni okuningi noma ukutholwa, inani elikhethekile liyabonwa elihluka kuye ngenani lezingane kanye nezinga lemali engenayo, ngamanani ayizinkomba phakathi 4.000 € y 12.000 €Kuwusekelo olubalulekile lapho amawele, amawele amathathu, noma izingane zokutholwa ngesikhathi esisodwa zifika.

Ibhonasi ekuqashweni kwabanakekeli

Kube khona ibhonasi ye 45% kwiminikelo Yokuvikeleka Komphakathi yemindeni eqasha abasebenzi basekhaya noma abanakekeli. Yaqala ukusebenza kwaze kwaba ngu-April 1, 2023; ekugcineni, ayizange inwetshwe, ngakho, kusukela namuhla, ayisebenzi ezinkontileka ezintsha.

Bono social de electricidad

Imindeni emikhulu, kanye nemindeni engasebenzi ezimweni ezithile, ingakhetha ukuthola izaphulelo kubhili yayo ngokusebenzisa bono social eléctrico. Ukuze uqonde amacala, funda ukufunda isikweletu sakho sikagesi. Imvume yayo idinga ukuhambisana nochungechunge lwezidingo (amandla, inkampani elawulwayo yokuthengisa, imibhalo, njll.).

Tarjeta sanitaria individual

Ilungu ngalinye lomndeni lingaba nelalo tarjeta sanitaria ukuthola ukunakekelwa ezweni lonke. Inqubo incike emphakathini ozimele okuhlala kuwo, futhi isebenza ohlelweni lwezempilo lukahulumeni.

Izaphulelo nezinzuzo kwezokuthutha, izindlu, imfundo, nezimpahla zabathengi

Ngale koMgcinimafa kanye Nezokuphepha Komphakathi, kunohlu lwe descuentos y bonificaciones ezinciphisa izindleko zansuku zonke zokuhamba, izifundo, ikhaya kanye nokungcebeleka.

Izithuthi zomphakathi nokuhamba

Ezithuthweni zomphakathi ezihlangene, imindeni emikhulu ka categoría general ujabulele isaphulelo esingu-20% kanye nalezo ze categoría especial, ngo-50%. Amadolobha amaningi aphinde afake izaphulelo kwezokuthutha zasemadolobheni.

• Renfe: : 20% (okuvamile) kanye nezaphulelo ezingu-50% (ezikhethekile) ku-Long Distance, Avant, Medium Distance, Cercanías, Feve kanye ne-AVE, ngaphandle kwesevisi yamazwe ngamazwe yase-Spain-France.
• Alsa: 20% wesigaba esijwayelekile kanye no-50% wemigqa ekhethekile.
• Compañías aéreas: I-Vueling, i-Iberia, iRyanair noma i-Emirates zisebenzisa izaphulelo eziyinkomba zika-5% kuya ku-10% kuye ngesigaba.
• Comunidad de Madrid: : 20% (okujwayelekile) kanye no-50% (okukhethekile) ibhonasi yokudlula ezokuthutha.

Imfundo kanye nezifundo

Imindeni emikhulu inakho okubalulekile emifundazweni futhi, ngezinye izikhathi, imikhawulo yemali engenayo evumayo. Emanyuvesi omphakathi, labo abasesigabeni esijwayelekile bathola isaphulelo sika-50% ezinkokhelweni, futhi labo abasesigabeni esikhethekile bakhululekile ekukhokheni izifundo.

Ngaphezu kwalokho, ezigabeni ezingezona ezenyuvesi kukhona izibonelelo material escolar, ukudla, nezokuthutha. Ukufinyelela okubalulekile ekunakekelweni kwezinsuku zomphakathi nasezikhungweni kusiza ibhalansi yokuphila komsebenzi lapho kunezingane ezimbalwa ekhaya.

Izintela zezindlu nezokuthenga

Izifunda ezithile ezizimele zihlinzeka ngosizo lokuqasha noma ukuthenga. Ngokwesibonelo, e-Andalusia kukhona a reducción de 50 € kuwo wonke ama-€10.000 kathishanhloko emali mboleko yendlu, futhi, ngokuvamile, imindeni emikhulu ivamise ukujabulela ukuncipha noma amabhonasi ku-ITP (Intela Yokudluliswa Kwempahla) lapho uthenga ikhaya elisetshenzisiwe, ngokuya ngemithetho yesifunda.

Conciliación laboral

Ikhefu lokunakekela izingane linikeza isikhundla esibekelwe unyaka wokuqala. Emindenini emikhulu, ukubhuka kunwetshwa kuze kube 15 o 18 meses, kuye ngesigaba, esiza ekulinganiseni umsebenzi nemithwalo yemfanelo yomkhaya.

Ezohwebo, amasiko nezokungcebeleka

Ekuphileni kwansuku zonke, kunemikhiqizo namaketanga anezimo ezinenzuzo. Nakuba kungezona zonke ezitholakala emindenini emikhulu kuphela, izibonelo zicashunwa nazo promociones y cupones de interés.

• I-Ikea: Ikhadi le-Ikea Family linikeza izaphulelo ezikhethekile nezintengo ezikhethekile.
• I-Hipercor/El Corte Inglés: : amakhuphoni noma izaphulelo ze-€10 lapho ubhalisa futhi ulanda nyanga zonke amaphromoshini.
• Eroski: 5% isephulelo samanabukeni nezinto zokusula, amavawusha esaphulelo sanyanga zonke, nokuxhaswa ngezimali ngekhadi le-Eroski Club.
• La Sirena: : Isaphulelo esingeziwe esingu-5% ekuthengeni ukudla okuqandisiwe ngaphansi kwezimo ezithile.
• Gadis: izaphulelo ezingafinyelela ku-10% emikhankasweni ethile.
• La Casa del Libro: 5% isaphulelo sokuthenga ku-inthanethi nokuthunyelwa kwamahhala kwemindeni emikhulu.
• Tiendas de ropa: Imikhiqizo efana ne-Sprinter, H&M, Décimas, Kiabi noma i-Gocco zisebenzisa izaphulelo ezingaba ngu-10–15%.

Ungasifaka kanjani isicelo sosizo futhi uthole izinzuzo ngokushesha (izinyathelo ezibalulekile)

Iningi lemali ebanjwayo nezinzuzo zabelana ngomgwaqo olula. Ukulandela lezi zinyathelo kuzokwandisa ukonga futhi, ezimweni eziningi, qoqa kusengaphambili yini okumele uyenze.

Isinyathelo 1: Isihloko somndeni esikhulu

Cubungula isihloko emphakathini wakho ozilawulayo. Uzodinga i-DNI/NIE, incwadi yomndeni, nezitifiketi ze empadronamiento kanye, uma kukhona, imibhalo yokukhubazeka. Ngesitifiketi esisebenzayo, ungafaka isicelo sokudonswa kwemali, izaphulelo, nezinye izinzuzo.

Isinyathelo sesi-2: Ukudonswa Kwentela Yemali Engenayo (ngokukhokha kusengaphambili)

Cela uMgcinimafa ukuthi akhokhe kusengaphambili imali ebanjwayo njenge familia numerosa (€100/ngenyanga) noma ukukhubazeka okuncikile (€100/ngenyanga). Ungakwazi futhi ukufaka emalini yakho yonyaka izimali ezibanjwayo zesifunda (i-Asturias, i-Castilla y León, i-Galicia) kanye ne- gastos educativos ngamaphesenti abo kanye nemikhawulo.

Isinyathelo sesi-3: Izinzuzo Zokuvikeleka Komphakathi

Ngenzuzo yokuzalwa/yokutholwa (inkokhelo eyodwa efika ku €1.000) noma ukuzalwa/ukutholwa okuningi (€4.000–€12.000), iqoqa amadokhumenti afakazela imali engenayo, indawo yokuhlala esemthethweni kanye nokwakheka komndeni, futhi ibhalisa isicelo ngaphakathi izinsuku zokugcina establecidos.

Isinyathelo sesi-4: Izaphulelo kwezokuthutha, imfundo, nokusebenzisa

Ziveze kuma-opharetha (i-Renfe, i-Alsa, i-transport consortium yomphakathi wakho), amanyuvesi namabhizinisi anesihloko somndeni omkhulu ukuze kusebenze descuentos. Buyekeza izimo ezithile: izigaba, imikhawulo yobudala bezingane, amadethi okuphelelwa yisikhathi, nokuhambisana.

Isinyathelo sesi-5: Ukuhlela nokusekela

Ezinye izinkundla zentela zenza kube lula ukuthola izimali ezibanjwayo ezifanele nokubala amanani, ukugwema ukukhohlwa kanye solapamientosNgokufanayo, amathuluzi okuhlela ezezimali noma umshwalense wokuphila unganezela umqamelo womndeni ngokumelene nezenzakalo ezingalindelekile, itimu ephindaphindayo kuzisetshenziswa okuxoxwe ngazo.

Uma uhlela futhi usizakala ngayo yonke imikhakha (intela yemali engenayo yesifunda neyesifunda, izinzuzo Zokuvikeleka Komphakathi, ezokuthutha, imfundo, izindlu nezohwebo), umndeni omkhulu ungazuza ukonga okukhulu phakathi nonyaka sibonga amaqhinga okonga imali usuku nosukuUkuba netayitela elivumelekile, ukucela intuthuko noma nini lapho kungenzeka, kanye nokurekhoda izaphulelo noma kuphi lapho uthenga noma uhamba khona kungenza umehluko kubhajethi yakho yanyanga zonke.