Ingabe izinkokhelo ze-Bizum kufanele zimenyezelwe embusweni wakho wentela?

Ngokufika komkhankaso wokubuyiswa kwentela yemali engenayo, abaningi bazibuza lo mbuzo: Ingabe kufanele umemezele i-Bizum kuMgcinimafa? Abantu abaningi baseSpain basebenzisa leli thuluzi ukuze bahambise imali yabo, kungakhathaliseki ukuthi okomuntu siqu noma ngokomsebenzi. Futhi Attention, ngoba I-Tax Agency isiqalile ukuqapha lokhu kuthengiswa eduze kakhulu. 

I-Bizum ibe nokukhula okunamandla eminyakeni yamuva nje. Ngo-2024 kuphela, kwaqoshwa ukuthengiselana okungaphezu kwebhiliyoni elingu-1.100, okuhlanganisa cishe amabhiliyoni angama-44.000. Ngomthamo omkhulu kangaka wokuthengiselana, kwaba yindaba yesikhathi kuphela ngaphambi kokuba iziphathimandla zentela zigxile kulezi zinhlobo zezindlela zokukhokha.

I-Ejensi Yentela yethule izinguquko zokulawula okuthinta ngokuqondile ukuthi le mali engenayo kufanele imenyezelwe kanjani, ikakhulukazi uma itholakala emisebenzini yezomnotho noma uma yeqa imingcele ethile. Ngezansi, sichaza lapho kudingekile ukuthi kumenyezelwe i-Bizum kuMgcinimafa ukuze kugwenywe izinkinga ezingaba khona.

Kukuziphi izimo lapho kufanele udalule khona iholo lakho le-Bizum?

Okubalulekile wukuhlukanisa uhlobo lomsebenzi owenziwayo. Akuwona wonke ama-Bizum angaphansi kokulawulwa kwentela., kodwa kunezimo ezimbalwa lapho kufanele uzifake embuthweni wakho wentela. Iziphathimandla zentela zicabanga ngezinhlobo ezintathu zezimo:

• Imali engenayo engaphezu kuka-10.000 euros ngonyakaUma uthola ngaphezu kwalesi samba ku-akhawunti yakho nge-Bizum phakathi nonyaka wezimali, kudingeka wazise uMnyango Wezezimali. Eqinisweni, ibhange lakho kungaba yilona elizokwazisa i-Ejensi Yentela, njengoba idingwa umthetho ukuthi ikwazise nyanga zonke.
• Izinkokhelo ezihlobene nemisebenzi yezomnothoUma uzisebenza wena noma ungusomabhizinisi futhi ukhokhisa izinsizakalo zakho usebenzisa leli thuluzi, okwenziwayo ngakunye kufanele kurekhodwe njengemali engenayo yobungcweti, usebenzisa i-VAT kanye nentela engenayo yomuntu siqu ngokufanele. Akusho lutho uma kuyimali encane. Uma ungaqiniseki ukuthi ungaqhubeka kanjani, sicela ubheke isihloko esithi izidingo zokusebenzisa i-Bizum.
• Ukuthola imali engenayo ngokuqashwa kwezindluUma uqasha indawo futhi uqoqa inkokhelo yakho yanyanga zonke nge-Bizum, lelo nani libhekwa njengenzuzo yemali yezindlu nomhlaba futhi kufanele kurekhodwe esigabeni esihambisanayo sentela yakho yeholo lomuntu siqu.

Izinkokhelo ezingavamile nezomuntu siqu ezifana izipho, idina noma imalimboleko encane phakathi komndeni nabangane zikhululekile ekumenyezelweni inqobo nje uma zingadluli ama-euro ayi-10.000 ngonyaka. Kulezi zimo, akudingekile ukuthi kumenyezelwe i-Bizum kuMgcinimafa, nakuba i-Ejensi Yentela ithola imisebenzi enjalo eminingi ngaphandle kwesizathu, ingavula uphenyo.

Isihloko esihlobene:

Kungani ngithola "i-Bizum yenqatshiwe"?

Ungalimemezela kanjani kahle iholo lakho nge-Bizum

Uma uzithola ukunoma isiphi isimo esiyisibopho, akukho okunye ongakwenza ngaphandle kokuthi umemezele i-Bizum kuMgcinimafa. Kudingekile Bonisa lokhu kunyakaza embukweni wakho wentela njengoba ubungenza nge-EFT noma inkokhelo yemali. Asikho isigaba esikhethekile I-Bizum, ngakho-ke zifakiwe njengeholo elijwayelekile ezigabeni ezifanele ngokuya ngohlobo lokusebenza.

Ngokwesibonelo:

• Uma kuwumsebenzi wochwepheshe, kufanele bangene njenge imali engenayo ngomsebenzi noma umsebenzi wezomnotho, kanye nezigodlo ezihambisanayo.
• Uma kuqashwa, bangena esigabeni imbuyiselo yezimali zezindlu.
• Uma kungelinye iholo elingelona elabasebenzi, lingacatshangelwa inzuzo yenhlokodolobhakuye ngohlobo lomsebenzi.

Ngaphezu kwalokho, kubalulekile gcina amarekhodi acacile akho konke okwenziwayo. Izinhlelo zokusebenza zebhange zikuvumela ukuthi ulande uhlu olunemininingwane yokuthunyelwa namarisidi anezinsuku namanani, okungenza izinto zibe lula kakhulu uma udinga ukuthethelela okwenziwayo. Kunoma yikuphi, kuhle ngaso sonke isikhathi ukubonisana nomeluleki wezentela ukuze ucacise noma yikuphi ukungabaza mayelana nendlela yokufaka ifomu lentela ngendlela efanele.

Izilawuli zebhange kanye nezinhlawulo zokungamemezeli i-Bizum

Kwenzekani uma ngikhohlwa noma ngehluleka ukumemezela i-Bizum kuMgcinimafa? Amabhange abika nyanga zonke kuMgcinimafa mayelana nokuthengiselana okwenziwe ngalezi zinkundla.. Akusenandaba ukuthi ukuthengiselana kungama-euro angama-50 noma ama-5.000; okubalulekile ukuthi ngabe kungokwezinjongo zezomnotho noma zomsebenzi.

Ngakho-ke, kunconywa ukuthi abasebenzi abazisebenzayo kanye nosomabhizinisi basebenzisa ama-akhawunti ahlukene ngomsebenzi wakho kanye nempilo yakho yomuntu siqu. Ngale ndlela, uzogwema ukudideka futhi ungathethelela kalula imali engenayo noma izindleko ezihlobene nebhizinisi lakho.

Ukumemezela i-Bizum kuMgcinimafa uma kufanele yinto okungafanele siyishalazele. Uma kutholwa imali engenayo engadalulwanga, Izijeziso zingasukela kuma-euro angu-600 kuye ku-50% yenani elingamenyezelwanga. Ngaphezu kwalokho, ngokuphambana kwereferensi yedatha phakathi kwamabhange ne-Ejensi Yentela, kuya ngokuya kuba nzima ukungabonwa.

I-Bizum njengendlela yokukhokha kuMgcinimafa

Ngaphezu kodaba lokumemezela i-Bizum kuMgcinimafa, enye yentuthuko ephawuleka kakhulu yalo mkhankaso ukuthi i-Tax Agency izoqala ukwamukela izinkokhelo ngale nkundla. Lokhu kusho ukuthi Uma isimemezelo sakho kufanele, ungakwenza ngqo kusuka kumakhalekhukhwini wakho nge-Bizum, ngaphezu kwezindlela zendabuko ezifana nedebhithi eqondile noma ikhadi lesikweletu.

Umgomo walesi silinganiso uwukuba lula inqubo nokujwayela imikhuba yedijithali yabasebenzisi. Ngokusho kwe-Tax Agency, inqubo ivikeleke ngokuphelele futhi ihlanganiswe ohlelweni lokukhokha lwe-AEAT.

Ukugadwa okukhulayo kwezindlela zokukhokha zedijithali, njenge-Bizum, kuqinisekisa Ukulangazelela kukaMgcinimafa ukulawula yonke imithombo yemali engenayo engagwema i-radar yentela. Ukusho kahle iholo lakho akuyona nje isibopho, kodwa futhi kuyindlela yokugwema lezimanga futhi ugcine ama-akhawunti akho ehlelekile.

UDaniel Terrasa

Umhleli okhethekile kwezobuchwepheshe kanye nezindaba ze-inthanethi onolwazi olungaphezu kweminyaka eyishumi kumidiya ehlukene yedijithali. Ngisebenze njengomhleli kanye nomdali wokuqukethwe kwe-e-commerce, ukuxhumana, ukumaketha ku-inthanethi kanye nezinkampani zokukhangisa. Ngike ngabhala kumawebhusayithi ezomnotho, ezezimali neminye imikhakha. Umsebenzi wami nawo uwuthando lwami. Manje, ngokusebenzisa izihloko zami ku Tecnobits, ngizama ukuhlola zonke izindaba namathuba amasha izwe lobuchwepheshe elisinikeza lona nsuku zonke ukuze sithuthukise izimpilo zethu.