Esihlokweni esilandelayo, sizokubonisa ibalwa kanjani intela eyodwa e-Chile uma usebenza, ngokuzimela ngokuphelele. Funda ukubala izintela zakho ngokushesha futhi kalula!
Ibalwa kanjani intela eyodwa?
Uma sikhuluma ngezintela siqu, sibhekisela kulelo nani lemali isakhamuzi okufanele siyikhokhele kuhulumeni ngezindleko, esetshenziswa emalini okufanele ikhokhwe intela, edalwe ngabasebenzi, okumele bakhokhe ngokwabo lokho okushiwoyo. inani lezintela maqondana nomholo wabo, lokhu akumele kudlule i-13,5 UTM (Iyunithi Yentela Yanyanga zonke) ngenyanga.
Ngokusho kwe-Chilean Tax Reform ngo-2020, labo basebenzi abaneholo lanyanga zonke elingaphezu kuka-15.000.000, banesibopho sokukhokha intela engu-5%.
Abasebenzi akumele bafake isitatimende semali engenayo yonyaka, uma kungeyena umqashi obenzela sona.
Intela yesigaba sesibili esisodwa
Yilezo zintela eziqhubekayo eziqondiswe kumaholo, amaholo kanye nezimpesheni zabasebenzi benkampani, ezikhokhelwa nyanga zonke futhi zibuyekezwe, le mali ayidluli i-13,5 UTM (Iyunithi Yentela Yanyanga zonke).
Uma sithi “kuphela” sisho ukuthi umsebenzi unesibopho sokuhambisana neholo lakhe lomthetho womphakathi ngendlela eyimpoqo, uma kwenzeka umsebenzi wakhe kuwukuphela kwemithombo yakhe, uma bekunjalo, akanalo. isibopho sokwethula kuhulumeni inani lemali etholwe phakathi nonyaka.
Intela yesigaba sesibili kufanele ikhokhwe kuphela yilabo bantu abathola inani elishiwo elikhulu kuno-13,5 emalini edonswa nyanga zonke kusukela emalini yonke engenayo yezindleko ezidingekayo kuya kwezingeziwe noma ezincishisiwe ezilawulwa umthetho, imiphumela iyisisekelo sezintela ezihambisanayo.
Lezi zisetshenziswa ngemuva kokudonsa imali ekhokhwayo kubaPhathi beSikhwama Sempesheni, ezempilo kanye nanoma yiluphi olunye uhlobo lwemali engenayo oluthathwa “njengengelona inkokhelo”. Inani elincishisiwe emhlabeni wesisebenzi kufanele libonakale ekuqedweni.
Ngokusho kwe-2020 Tax Reform, isigaba sangaphambilini sama-35% sibuyekezwe esigabeni esisha sika-40%, esifakwe kulolu hlobo lwentela eyodwa, kubo bonke labo basebenzi abanemali engenayo yonyaka engaphezu kwezi-15.000.000 nyanga zonke. .
Imigomo okufanele uyazi
Ukuze ngibe nomongo ongcono mayelana nemigomo engiyaziyo ukuze ngazi ukuthi intela eyodwa ibalwa kanjani, okulandelayo kufanele kwaziwe:
I-AFP noma Abaphathi Bezimali Zakho
Kuyisikhungo sezezimali esiseChile, esizimele, bathunywe ukuphatha inhloko-dolobha yama-akhawunti okonga wangasese ezimpesheni. Ngokohlelo lwe-capitalisation system, wonke umuntu onemali eyongayo eqondiswe emalini yakhe yempesheni, ukuze alondoloze impesheni yakhe lapho enquma ukuthatha umhlalaphansi.
Ukungasebenzi
Uma isisebenzi silahlekelwa umsebenzi, inkokhelo yokudilizwa iqinisekisa ukuthi sinazo zonke izindlela ezidingekayo ukuze siphile, kuyilapho sithola omunye umsebenzi.
Ukubala umshwalense wokungasebenzi, u-0,6% kufanele uphindwe ngophahla lomshwalense. Lo 0,6% umele lokho isikhulu okufanele sikukhokhe, ngoba inkontileka inesikhathi esingachazwanga.
ukunqanyulwa komshwalense
Yilezo zinzuzo ezinikezwa kwamanye amazwe njengomshwalense, uma kwenzeka umuntu esala engasebenzi, aze athole omusha futhi azisekele.
Isisekelo esingakhokhiswayo
Iqukethe inani, elitholakala enteleni ecacile. Ukuze ube nesabelo sentela, kubalulekile ukubala ukuthi siyini isisekelo sentela.
Indlela yokukhokha intela eyodwa
Enye indlela yokwazi ukuthi intela eyodwa ibalwa kanjani, okokuqala inani elinikeziwe lomphumela wentela okufanele likhokhelwe, elikhiqizwa isisebenzi, lokhu kuyinani lemali yesehlakalo esikhokhiswa intela, iholo, impesheni, imali engenayo, phakathi kokunye. .
Ngale ndlela, inani elisungulelwe abasebenzi lisuswa esisekelweni sentela ku-Own Funds Administrators (Izikhungo Zezezimali), umshwalense wokungasebenzi, iholo lezempilo, njll. Uma isamba semali sitholwa, into ekhululiwe kufanele iphindaphindwe etafuleni bese kuqokwa isaphulelo esihambisanayo, ngokuya ngalokho okukhonjiswa yithebula.
Ake sithi, ngokwesibonelo, ukuthi njalo ngenyanga isisekelo sentela singu-1.500.950, futhi ithebula likaMeyi 2018 libonisa ukuthi isici sokukhululwa singu-0.05 futhi ukwehlisa kuthi inani le-32.000,34 kumele lisetshenziswe.
Ukuze uxazulule lesi sibalo futhi wazi ukuthi iyini intela eyodwa, isisekelo sentela kufanele siphindwe ngento ekhululiwe, bese umphumela kufanele ukhishwe ekwehlisweni. Okusho ukuthi, kwakuzokwenziwa ngale ndlela elandelayo:
1.500.950 (isisekelo sentela) x 0.05 (isici esikhululiwe) = 75.047,5
75.047,5 – 32.000,42 (ukunciphisa)= 43.047,08 intela eyodwa.
Ngamanye amazwi, intela okufanele ikhokhwe ngentela eyodwa ingu-43.047,08, okuyisamba asinike sona, lokhu kusitshela ukuthi intela eyodwa ibalwa kanjani.
Isibonelo se-2
Sizokunikeza esinye isibonelo, kulokhu ukuze wenze ulwazi lube lula futhi silwenze luqondakale. Ake sithi u-Maria ufuna ukubala izintela zakhe zesikhathi esisodwa. Isisekelo sayo sentela singu-6.026.520,01, ngokwethebula lika-April 2020, isici salo singu-0,35 kanti ukuncipha kungu-1.171.153,72.
Ukwenza lesi sibalo, kufanele kusetshenziswe ifomula efanayo eshiwo ngenhla: Isisekelo sentela siphindaphindwa into ekhululiwe futhi ukwehlisa kuyasuswa.
(6.026.520,01 x 0,35) – 1.171.153,72 = 938.283,283 – Leli kuzoba inani lentela okufanele likhokhwe.
Kubalulekile ukwazi ukuthi, ukubala umshwalense wezempilo, ukuphepha komphakathi kanye nokungasebenzi, kufanele ucabangele Izihloko ezishicilelwe ngokwenyanga nonyaka ohlelweni.
Uma usithandile lesi sihloko, sikumema ukuthi ufunde Ungabala kanjani iholo eliphelele ngendlela efanele eChile?. Nweba ulwazi lwakho!
Uma ufuna ulwazi olwengeziwe ngalesi sihloko, sikumema ukuthi ubukele ividiyo elandelayo: