Bizum uye iyo itsva Treasury kutonga pamusoro pekubhadhara kwedhijitari

Bizum yabva pakuva nzira iri nyore yekubhadhara madoro mashomauye nekutevera zviitiko zvemazuva ano anobhadhariswa faindi yekuba dataIzvi zvakagadzirirwa kuti ive iyo inonyanya kutariswa kune Tax Agency. Nekusvika kwa2026 uye Royal Decree 253/2025, kushandiswa kwemafoni ekubhadhara uye makadhi kuchatariswa sezvisati zvamboitika, uye izvi zvinosanganisira zvese kubva kukutengeserana nevanozvishandira uye mabhizinesi kune mamwe mabatiro evanhu.

Shanduko yakakosha ndeyokuti zviremera zvemitero hazvisisiri kutarisa chete pamari yakawanda. Uye anotanga kutarisa maitiro, kudzokorora, uye marudzi ekutengeserana. Iyo yakakurumbira "€ 3.000 muganhu" inokandwa kunze kwehwindo, uye pfungwa dzakadai vhoriyamu yegore negore, basa rehupfumi rakavanzika o zvipo zvinofanira kuziviswaNgatipwanyei, zvakadzikama uye pasina dhirama, chaizvo chii chichachinja neBizum, makadhi uye mubhadharo wenhare kubva 2026 zvichienda mberi, uye nemabatiro azvinoita iwe zvichienderana nekuti iwe uri munhu, unozvishandira kana kambani.

Zvakanaka kune iyo € 3.000 muganhu: zvazvinoreva chaizvo

Kwemakore, iyo 3.000 euros threshold yakashanda semhando ye "psychological shield"Mabhangi aidikanirwa kushuma kuzviremera zvemitero kubhadharwa kupi nokupi kwekadhi kwaipfuura mari iyoyo. Pazasi pechikumbaridzo ichi, zvidzoreso zvaivepo, asi zvaive zvishoma, uye miripo mizhinji haina kuverengerwa mumishumo yakarongeka.

NeRoyal Decree 253/2025, iyo inotanga kushanda muna Ndira 1, 2026, iyo chikumbaridzo inonyangarika.Masangano emari achafanirwa kuzivisa iyo Tax Agency. makadhi ose ekubhadhara akabatanidzwa nemabasa ehupfumi, pasina hushoma, uye zvakare matransferensi kubva kumasevhisi ane chekuita nenharembozha, seBizum kana mamwe masevhisi akafanana.

Izvo zvitsva hazvisi chete kuti mari shoma iri kushumwaasi inoshandura iyo logic yehurongwa: ikozvino chii chakakosha ndeche seti yekufamba kwegore uye hunhu hwayo (kana ichienderana nekushandisa, basa rehunyanzvi, mipiro, nezvimwewo), kwete zvekuti kuvhiya kamwe chete "kusvetuka" pamusoro pechimwe chimiro.

Uku kusimbiswa kwekutonga kwemashoko kunopedzwa nekuchinja kwehuwanduIzvo zvaimbotaurwa kamwechete pagore zvino zvino kupihwa mwedzi wega wega kubva kune vanozvishandira nemakambani, kuitira kuti Hofisi yeMutero ive neruzivo rwakawanda rwechizvino-zvino rwekuyambuka-reference neVAT, mutero wemari yemunhu uye mamwe madzoro emutero.

Bizum uye nharembozha: kubva ku "zvisina kurongwa app" kuenda kune yakazara chiteshi chiteshi

Bizum yakagadzirwa semhinduro yekukurumidza kugadzirisa maakaundi pakati peshamwariKubhadhara kudya kwemanheru, kudzorera nyasha, kupa mari yechipo cheboka ... uye pakutanga yakaonekwa sechinhu "chisina kurongeka", kunyange zvazvo unyanzvi hwagara huri mukati mebhangi system uye, naizvozvo, pasi peradhi inogona kuitika yeTax Office.

Nekukwira kwekubhadhara kwenharembozha muzvitoro, masevhisi uye rendi, Bizum haichisiri yeshamwari cheteNyanzvi dzakawanda, mabhizinesi madiki, uye kunyange varidzi vedzimba vari kuishandisa kuunganidza mubhadharo, dzimwe nguva pasina kuburitsa ma invoice kana kuzivisa mari yese. Ndipo chaipo apo mitemo mitsva inonangidzira pfungwa dzavo.

Kubva muna Ndira 1, 2026, masangano ekubhadhara uye emagetsi emari anozodikanwa kuti ataure kune Treasury. Kubhadhara kwakaitwa kuburikidza neBizum uye mamwe nharembozha apo mugamuchiri ari kambani kana munhu anozvishandiraMune mamwe mazwi, kana bhangi rako wakaziva senyanzvi kana uine kondirakiti isiri yako, Imwe neimwe Bizum yekutengeserana yakabatana nebasa rako icharatidzwa mumishumo yemwedzi nemwedzi kuMutero Wemutero..

Iyo Tax Agency inosimbirira kuti chinangwa hachisi chekuongorora chimwe nechimwe chidiki cheBizum chekutengeserana pakati pevanhu.asi kuva nemufananidzo wakajeka uye wakarongeka wekubhadhara kwemagetsi iyo chikamu chehupfumi chaihwo hwemabhizimisi nevashandi, kudzivirira zviuru zvekutengesa micropayments kubva pakusiiwa kunze kwemufananidzo wezvemari.

Kune vagariwo zvavo, Bizum peer-to-peer (C2C) kutengeserana kunoramba kusingabatanidzwe kubva mukurongeka kwekutaura.Chero mupi wekutambira asina kunyoreswa seanozvishandira kana kambani uye imwe vhoriyamu vhoriyamu yekuongororwa kwese haina kupfuura. Kunyange zvakadaro, kushanda hakuchisiri "kusingaoneki": zvose izvi zvekutengesa zvinoitika mukati mebhangi system uye zvinogona kuongororwa mune imwe ongororo kana Tax Agency ichiona zvakakodzera.

Vanhu pachavo: miganhu, mipiro, uye kana yambiro inogona kukonzerwa

Kana iwe uchingoshandisa Bizum kubhadhara kudya kwemanheru, zvipo, kana zvikwereti zvidiki neshamwari nemhuriDzidziso iri nyore: chikuva pachacho uye zviremera zvemitero zvinoratidza izvozvo Bizum kutengeserana pakati pevanhu nekuda kwezvinangwa zvemunhu uye zvisiri zvepurofiti hazvina kuziviswauye kuti kana mari yepagore isingapfuure 10.000 euros Mukutengeserana nemunhu, kazhinji hazvikonzeri matambudziko.

Chinokosha apa chiri mumhando yekushanda uye kudzokorora kwayo.Chinhu chimwe chete kutumira hama yako 40 maeuro pakupera kwesvondo barbecue kana kuti shamwari dzako dzidzose mugove wadzo wechipo, uye zvakatosiyana kuti ugamuchire mari yakafanana mwedzi woga woga kubva kuvanhu vakafanana vane imwe patani (semuenzaniso, yakatemwa "kubhadhara rendi" kana mari yenguva dzose semubhadharo wakavanzika).

Kubva pakuona kwemutemo, kupa rubatsiro rwemari kumwana kana hama kunobvira zvakakwana.Asi pane chimwe chinhu chakakosha kuchengeta mupfungwa: Kutamiswa uku mipiro uye, mukufungidzira, kunofanirwa kuve pasi peNhaka uye Mutero weChipo.kunyangwe nharaunda dzinozvimiririra dzinowanzo shandisa mabhonasi akanyanya pakati pehama dzakananga.

Hutsva hwehurongwa hutsva hahusi kuti kupa mari hakusi pamutemo.asi nekuda kweruzivo rwakadzama uye data analytics, Treasure inogona kuona zvirinani kana iyo "Bizum aid" kubhadhara kuri chaiko. akavanzika nguva nenguva kubhadharaKana matransferensi akadzokororwa, pfungwa hadziwedzere, kana mugamuchiri haagone kupembedza kwakabva mari, chikumbiro chepamutemo cheruzivo chinogona kupihwa.

Mukufanana, iyo € 25.000 yepagore muganho pamakadhi echikwereti emunhu anofanirwa kuverengerwa.Mabhanga achatumira pfupiso yegore yemhosva, makiredhiti, kubvisa mari, kuwedzera-pamusoro, uye kutenga kwemakadhi ese ane huwandu hwehuwandu (inflows plus outflows) inodarika iyo mari. Kuchinjana kuri pazasi pechikumbaridzo hakuzotaurwa, asi kudarika mwero iwoyo kunoisa kadhi rako muboka renzira dzekubhadhara dzine zvadzinoreva mutero.

Vanhu vanozvishandira uye makambani: yakazara pamwedzi kutonga kweBizum nemakadhi

Shanduko yacho yakanyanya kudzika mumunda wehunyanzvi.Kubva 2026 zvichienda mberi, vanhu vese vanozvishandira kana makambani anotora mubhadharo kuburikidza neBizum, kadhi, kana mamwe masisitimu ekubhadhara ane nharembozha achave pasi pe yakadzama kwazvo pamwedzi kutonga neBazi reMutero.

Mabhangi uye masangano ekubhadhara anofanira kuendesa mushumo wepamwedzi kune Treasury. neruzivo rwezvese mhosva dzine chekuita nehupfumi zviitiko, kusanganisira:

• Kuunganidzwa uye zvikwereti zvinobva mukutengesa kana masevhisi.
• Mhosva dzine chekuita nemasevhisi nemakomisheni.
• Pamusoro-ups, kuendesa kwemukati, uye kutamiswa pakati peakaundi.
• Kubvisa mari kwakabatana nenharembozha kana makadhi chaiwo.

Pachave pasina hushoma huwandu: Bizum ye2 euros ichave nekuonekwa kwakafanana neimwe ye200.Nenzira iyi, chero mubhadharo unogamuchirwa nenyanzvi, zvisinei mudiki, uchaita chikamu chedhatabhesi iyo iyo Hofisi yeMutero ichafananidza izvo zvinoziviswa mumafomu akadai se303 (VAT), 130 (Personal Income Tax mukufungidzira kwakananga) kana 200/202 (Corporate Income Tax, kana iri yemakambani).

Uye zvakare, mitsva, chaiyo yemutero ruzivo mhando dzakagadzirwa. kuitira kuti masangano emari ataure iyi data nenzira yakaenzana. Mumashoko anoshanda, izvi zvinoreva kuti Bizum haisisiri iyo "inoshanduka" nzira yekubhadharwa pasi petafura. iyo vamwe vanga vachishandisa uye yakanyatsobatanidzwa mune yepamutemo mutero system.

The Tax Agency iri kutotumira tsamba dzeruzivo kune vakawanda vanozvishandira uye makambani ichitsanangura kuti ichawana data ripi kubva muna 2026 zvichienda mberi: maakaundi matsva akavhurwa, hunhu hwawo (ikozvino, mari yekuchengetedza, kubhadhara…), kubhadhara makadhi pasina muganho wakaderera uye Bizum kutengeserana kana muridzi ari nyanzvi.

Iyo Hofisi Yemitero inoona sei fungidziro muBizum uye kumwe kubhadhara

Nemitemo mitsva, Treasury haichazvimisi pakuongorora kutengeserana kwakazvimiriraChinonyanya kumufadza ndeye seti yemafambisirwo uye maitiro maitiro izvo zvinogona kuratidza kuvepo kwechiitiko chehupfumi chisina kuziviswa kana mari isingaenderane nemutero wemutero.

Iyo Tax Agency inoshandisa algorithms uye maturusi makuru ekuongorora data kubatanidza ruzivo kubva kumakadhi, Bizum, maakaundi ebhangi, uye mutero unodzosera. Zvimwe zvezvinhu zvakaongororwa ndezvi:

• Kudzokororwa kwemari: kubhadhara kwevhiki kana pamwedzi nemari yakafanana.
• Vanogara vachitumira: vanhu vakati wandei vanowanzobhadhara zvinhu zvakafanana.
• Mafungiro anoshandiswa mukubhadharaMazwi akadai sekuti “sevhisi”, “kirasi”, “kugadzirisa”, “massage”, “kurojesa” kana mamwe akafanana, anonyatsoratidza basa reunyanzvi.
• Hukama pakati pekuunganidza uye kubhadhariswa kwakaziviswaKana iyo chaiyo vhoriyamu yekupinda kuburikidza neBizum uye kadhi isingaenderane nezvakaziviswa muVAT kana IRPF, yambiro inotangwa.
• Global fiscal coherence: mari yakakwira kubva mukubhadhara nhare muvateresi vanozivisa zvakaderera kana zero kudzoka.
• Nguva yemwaka: nguva dzepamusoro dzekuunganidza pamazuva akajairika ezvimwe zviitiko (zhizha, Navidad, kupera kwevhiki, kupera kwemwedzi…).

Zvese izvi zvinokutendera kuti unzwisise, kunyangwe usina kuverenga yega yega Bizum kutengeserana wega.kuitira kuti Hutungamiri hukurumidze kuona maprofile enjodzi: kuroja kusingazivikanwe, zvisingazivikanwe zvidzidzo zvepachivande, kutengeswa nguva dzose pamapuratifomu echipiri-ruoko, masevhisi ehunyanzvi akavanzika se "favours" pakati peshamwari, nezvimwe.

Mharidzo yepamutemo yakajeka: chinotariswa hachisi paChishanu doro kana zvipo zvekuzvarwa.asi mumari inowanikwa nguva nenguva inoita seyakanaka asi isingataurwe zvakanaka. Avo vanosanganisa kubhadhara kwevatengi uye mari yemunhu muakaundi imwe chete inoshanda munzvimbo ine grey iyo vatungamiriri vemitero vanozowedzera kuongorora nekushivirira kushoma.

Bizum declaration zvisungo: €10.000, chiitiko chehupfumi uye rendi

Kupfuura kuyerera kutsva kweruzivo pakati pemabhangi nePfuma, pane akati wandei emitemo yakakosha Nezve kana mubhadharo weBizum uchifanira kuratidzwa mukudzoka kwako kwemutero, ungave uri munhu kana nyanzvi.

Muzhinji, chero mari inotorwa kubva kune yehupfumi kana basa rehunyanzvi inofanirwa kuziviswa.Pasinei nokuti unobhadharwa nemari, nekubhadhara kubhengi, neBizum, kana nekadhi, nzira yekubhadhara haichinje chisungo chako chemutero: chakakosha ndiko kwakabva mari.

Mune iyo chaiyo nyaya yeBizum, mabhanga akati wandei uye yeSpanish Mutero Agency (AEAT) pachayo inonongedza kuchikumbaridzo chegumi remadhora pagore. kune zvese zvemushandisi zvekutengesa. Kupfuura iyo mari, kunyanya nekuchaja nguva dzose, kunogona kukonzera kuwedzera kwekutarisa uye, kana zvichidikanwa, kuongororwa. Izvi zvinoshanda kune vanhu vamwe nevamwe, freelancers, uye mabhizinesi.

Kana iwe ukashandisa Bizum kuunganidza rendi, iyo mari inobhadharwa semari kubva real estate capital.Izvo hazvina basa kana muroja achikubhadhara nemari, nekuendesa kubhangi, kana kuburikidza neBizum: iwe unofanirwa kuisanganisira mumitero yako yekudzoka muchikamu chinoenderana, pamwe nemari yako inobviswa uye zvimwe zvinodiwa.

Kune makambani uye nyanzvi, mutemo wakatonyanya kuomarara.: Mari dzese dzakaunganidzwa kuburikidza neBizum dzine chekuita nechiitiko ichi dzinofanirwa kuziviswaIko hakuna "rukudzo" zvishoma; kunyangwe iri mari yekufananidzira, kana iri chikamu chebhizinesi rako, inofanirwa kuoneka nemazvo mumabhuku ako uye mafomu emitero.

Faindi uye zvirango zvekusazivisa nemazvo Bizum kutengeserana

Kuregeredza zvisungo zvemutero zvine chekuita neBizum kubhadhara kunogona kudhurakunyanya nehuwandu hutsva hwekutonga hunotanga kushanda muna 2026. General Tax Law inogadza marudzi akasiyana-siyana ekutyora uye zvirango maererano nekuoma.

Muzviitiko zvinyoro, kana mari yakavanzwa haina kunyanya kukwira uye hapana nzira yekubiridzira yakajekachirango chinogona kusvika kusvika 3.000 euros, pamwe necharge yekuwedzera inowanzosvika kusvika 50% yemari isina kubhadharwa.

Kana vakuru vemitero vachiona kuvanza kuve kwakakomba -somuenzaniso, nekuti inokanganisa chikamu chakakosha chemari-, mitsetse yakanaka pakati 50% uye 100% yemari isina kuziviswatisingasanganisire mubereko nemimwe miripo.

Kana maitiro acho achidudzirwa seakanyanya kuoma, nekuvanza nemaune uye kwakasimba mukati el tiempochirango chinogona kuwedzera kusvika 150% yemari yakabiridzirwaUye kana mari inopfuura 120.000 euros, tinogona kunge takatarisana ne kunzvenga mutero nemigumisiro yemhosva, kusanganisira kuiswa mujeri.

Kusimbisa zvidzoreso paBizum, makadhi, uye kubhadhara nhare kunowedzera mukana wekuti Tax Agency ione kusawirirana. pakati pezvinopinda muakaunti nezvinenge zvaziviswa. Naizvozvo, kubva muna 2026 zvichienda mberi, kutamba nepseudo-B kubhadhara hakusi nengozi chete, asi kupusa.

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Isaac

Anofarira munyori nezve nyika yemabytes uye tekinoroji zvakazara. Ini ndinoda kugovera ruzivo rwangu kuburikidza nekunyora, uye ndizvo zvandichaita mune ino blog, kukuratidza zvinhu zvese zvinonyanya kufadza nezve gadget, software, hardware, tekinoroji maitiro, nezvimwe. Chinangwa changu ndechekukubatsira kufamba munyika yedhijitari nenzira iri nyore uye inonakidza.