I-Bizum kunye nolawulo olutsha lukaNondyebo kwiintlawulo zedijithali

I-Bizum iphumile ekubeni yeyona ndlela ilungileyo yokuhlawula iibhiya ezimbalwakunye neziganeko zamva nje ujongene nesohlwayo ngenxa yobusela bedathaOku kumiselwe ukuba kube yeyona nto kugxilwe kuyo kwi-Arhente yeRhafu. Ngokufika kwe-2026 kunye ne-Royal Decree 253/2025, ukusetyenziswa kweentlawulo zeselula kunye namakhadi kuya kubekwa esweni kunanini na ngaphambili, kwaye oku kubandakanya yonke into esuka kwiintengiselwano ngabaqeshwe ngokuzimeleyo kunye namashishini kwiintengiselwano ezithile ngabantu.

Utshintsho oluphambili kukuba abasemagunyeni berhafu abasagxininisi kuphela kwiimali ezinkulu. Kwaye uqala ukujonga iipateni, ukuphindaphinda, kunye neentlobo zentengiselwano. Edumileyo "€ 3.000 umda" uphoswa ngefestile, kunye neengqiqo ezifana umthamo wonyaka, umsebenzi ofihlakeleyo wezoqoqosho o iminikelo ekufuneka ibhengezweMasiqhawuke, ngokuzolileyo kwaye ngaphandle kwedrama, kanye yintoni eza kutshintsha ngeBizum, amakhadi kunye neentlawulo zeselfowuni ukusuka ngo-2026 ukuya phambili, kwaye ikuchaphazela njani na ngokuxhomekeke ekubeni ungumntu, uziqeshile okanye uyinkampani.

Sala kakuhle kumda we-€ 3.000: ithetha ukuthini ngokwenene?

Kangangeminyaka, i-3.000 euro threshold ibisebenza njengohlobo “lwekhaka lezengqondo”Iibhanki kwakufuneka zichaze kwabasemagunyeni naziphi na iintlawulo zekhadi ezidlula loo mali. Ngaphantsi kwalo mqobo, ulawulo belukhona, kodwa belunqongophele kakhulu, kwaye uninzi lweentlawulo ezincinci azizange zibandakanywe kwiingxelo ezicwangcisiweyo.

Ngomthetho waseRoyal 253/2025, oqala ukusebenza nge-1 kaJanuwari 2026, loo mda uyanyamalala.Amaziko emali kuya kufuneka azise i-Arhente yeRhafu. zonke iintlawulo zekhadi ezinxulumene nemisebenzi yezoqoqosho, ngaphandle kobuncinci, kunye neentengiselwano ezivela kwiinkqubo zentlawulo ezinxulumene neselula, ezifana neBizum okanye ezinye iinkonzo ezifanayo.

Ubutsha abukho nje ukuba iimali ezincinci zixelwakodwa iyayitshintsha ingqiqo yenkqubo: ngoku eyona nto ibalulekileyo yile iseti yentshukumo yonyaka kunye nobume bayo (ukuba ihambelana nokusetyenziswa, umsebenzi wobugcisa, iminikelo, njl.), Akunjalo ukuba umsebenzi omnye "utsiba" ngaphezu komfanekiso othile.

Oku kuqiniswa kolawulo lolwazi kugqitywe ngotshintsho lwamazaOkwakuxelwe ngaphambili kube kanye ngonyaka ngoku kuza kunikezelwa qho ngenyanga ukuze kuhlawulwe abantu abazisebenzelayo kunye neenkampani, ukuze i-Ofisi yeRhafu ibe nedatha esexesheni eyongezelelekileyo kwi-VAT, irhafu yengeniso yomntu kunye nezinye iimbuyekezo zerhafu.

I-Bizum kunye neentlawulo zeselula: ukusuka "kwi-app engekho sikweni" ukuya kwisitishi esilawulwa ngokupheleleyo

I-Bizum yenziwe njengesisombululo esikhawulezayo sokulungisa iiakhawunti phakathi kwabahloboUkuhlawula isidlo, ukubuyisela ububele, ukunikela ngemali yesipho seqela ... kwaye ekuqaleni kwabonwa phantse njengento "engekho sikweni", nangona ngokobuchwephesha bekusoloko kungaphakathi kwenkqubo yebhanki kwaye, ngoko ke, phantsi kwe-radar enokubakho ye-Ofisi yeRhafu.

Ngokunyuka kweentlawulo eziphathwayo kwiivenkile, iinkonzo kunye nerenti, iBizum ayiseyiyo yabahlobo njeAbasebenzi abangakumbi nangakumbi, amashishini amancinci, kunye nabaninimzi bayisebenzisa ukuqokelela iintlawulo, ngamanye amaxesha ngaphandle kokukhupha ii-invoyisi okanye ukubhengeza yonke ingeniso. Kulapho kanye imimiselo emitsha igxininisa khona.

Ukusukela nge-1 kaJanuwari 2026, amaqumrhu entlawulo kunye nemali ye-elektroniki kuya kufuneka ukuba anike ingxelo kuNondyebo. Iintlawulo ezenziwe nge-Bizum kunye nezinye iinkqubo zeselula xa umamkeli eyinkampani okanye umntu oziqeshileyoNgamanye amazwi, ukuba ibhanki yakho uyichongile njengengcali okanye unesivumelwano esingesosamntu, Intengiselwano nganye yeBizum edityaniswe nomsebenzi wakho iya kuboniswa kwiingxelo zenyanga eziya kuGunyaziwe weRhafu..

I-Arhente yeRhafu igxininisa ukuba injongo ayikokuphonononga yonke intengiselwano encinci yeBizum phakathi kwabantu.kodwa ukuba nomfanekiso ocacileyo kunye nocwangcisiweyo weentlawulo ze-elektroniki eziyinxalenye yoqoqosho lwangempela lwamashishini kunye neengcali, ukuthintela amawaka ee-micropayments zorhwebo ukuba zishiywe ngaphandle komfanekiso wemali.

Kubemi abaqhelekileyo, intengiselwano ye-Bizum peer-to-peer (C2C) iyaqhubeka nokukhutshwa kwiingxelo ezicwangcisiweyo.Ukuba umamkeli akabhaliswanga njengomntu ozisebenzelayo okanye inkampani kwaye umthamo othile wokubeka iliso awugqithiswanga. Nangona kunjalo, umsebenzi awusekho "ungabonakali": zonke ezi ntengiselwano zenzeke ngaphakathi kwenkqubo yebhanki kwaye zingahlalutywa kuphicotho oluthile ukuba i-Arhente yeRhafu ibona kuyimfuneko.

Abantu ngabanye: imida, iminikelo, kwaye xa isilumkiso sinokubakho

Ukuba usebenzisa iBizum kuphela ukuhlawula isidlo sangokuhlwa, izipho, okanye amatyala amancinci nabahlobo kunye nosaphoIthiyori ilula: iqonga ngokwalo kunye nabasemagunyeni berhafu babonisa oko Intengiselwano yeBizum phakathi kwabantu ngeenjongo zobuqu kunye neenjongo ezingenzi nzuzo azibhengezwa ngokucacileyonokuba isixa-mali sonyaka asidluli 10.000 euro Kwiintengiselwano zobuqu, azibangeli ngxaki.

Isitshixo apha silele kuhlobo lokusebenza kunye nokuphindaphinda kwayo.Yinto enye ukuthumela umntakwenu i-euro ezingama-40 ngebhayi yeempelaveki okanye ukuba abahlobo bakho babuyisele isabelo sabo sesipho, kwaye enye into yokufumana izixa ezifanayo nyanga zonke ukusuka kubantu abafanayo kunye nepateni ethile (umzekelo, "intlawulo yerenti" emiselweyo okanye umvuzo oqhelekileyo njengomvuzo ofihliweyo).

Ngokwembono yomthetho, ukubonelela ngoncedo lwemali kumntwana okanye isalamane kunokwenzeka ngokugqibeleleyo.Kodwa kukho into ebalulekileyo ekufuneka uyikhumbule: Olu tshintshelo luyiminikelo kwaye, ngokwethiyori, kufuneka luxhomekeke kwiLifa leMveli kunye neRhafu yeZipho.nangona uluntu oluzimeleyo luhlala lusebenzisa iibhonasi eziphezulu kakhulu phakathi kwezalamane ezithe ngqo.

Ubutsha bale nkqubo intsha asikokuba ukunikela ngemali akukho mthethweni.kodwa ngenxa yolwazi oluthe kratya kunye nohlalutyo lwedatha, uNondyebo unokuchonga ngcono ukuba ezo ntlawulo ze "Bizum aid" ziyinyani. iintlawulo zamaxesha athile ezifihliweyoUkuba iintengiselwano ziyaphindwa, iikhonsepthi azidibanisi, okanye umamkeli akanakuthethelela imvelaphi yemali, isicelo esisemthethweni solwazi sinokukhutshwa.

Ngokunxuseneyo, i-€25.000 yomda wonyaka kumakhadi okuthenga ngetyala kufuneka athathelwe ingqalelo.Iibhanki ziya kuthumela isishwankathelo sonyaka seentlawulo, iikhredithi, ukutsalwa kwemali, ukongezelela, kunye nezinto ezithengiweyo zawo onke amakhadi anomthamo wawo wonke (imali engenayo kunye nokuphumayo) edlula loo mali. Iintengiselwano ezingaphantsi kwalo mqobo aziyi kuxelwa, kodwa ukugqitha kwelo nqanaba kubeka ikhadi lakho kwiqela leendlela zokuhlawula ezinefuthe lerhafu ekhethekileyo.

Abantu abazisebenzelayo kunye neenkampani: ulawulo lulonke lwenyanga lweBizum kunye namakhadi

Utshintsho lunzulu kakhulu kwintsimi yobungcali.Ukusukela ngo-2026 ukuya phambili, bonke abantu abazisebenzelayo okanye iinkampani eziqokelela iintlawulo nge-Bizum, ikhadi, okanye ezinye iindlela zokuhlawula ezinxibelelene neselfowuni ziya kuba phantsi kwentlawulo. oluneenkcukacha kakhulu ulawulo lwenyanga yi-Arhente yeRhafu.

Iibhanki kunye namaziko entlawulo kufuneka angenise ingxelo yenyanga kuNondyebo. ngolwazi ngazo zonke iintlawulo ezinxulumene nemisebenzi yezoqoqosho, kuquka:

• Ingqokelela kunye neekhredithi ezifunyenwe kwiintengiso okanye iinkonzo.
• Iintlawulo ezinxulumene neenkonzo kunye neekomishini.
• I-Top-ups, ukudluliselwa kwangaphakathi, kunye nokudluliselwa phakathi kweeakhawunti.
• Ukutsalwa kwemali okudityaniswe neefowuni eziphathwayo okanye amakhadi enyani.

Akuyi kubakho inani elincinci: i-Bizum ye-2 euro iya kuba nokubonakala okufanayo njengenye ye-200.Ngale ndlela, nayiphi na intlawulo efunyenwe yingcali, nokuba incinci kangakanani, iya kuba yinxalenye yesiseko sedatha apho iOfisi yeRhafu iya kuthelekisa oko kubhengezwe kwiifom ezifana ne-303 (VAT), i-130 (iRhafu yeNgeniso yoMntu ngoqikelelo oluthe ngqo) okanye i-200/202 (iRhafu yeNgeniso yeNkampani, kwimeko yeenkampani).

Ukongeza, iimodeli ezintsha zolwazi lwerhafu ziye zayilwa. ukuze amaziko emali anike ingxelo ngale datha ngendlela esemgangathweni. Ngokwezinto eziphathekayo, oku kuthetha ukuba I-Bizum ayiseyondlela "eguquguqukayo" yokuhlawulwa phantsi kwetafile. abanye bebesebenzisa kwaye idityaniswe ngokupheleleyo kwinkqubo yerhafu esemthethweni.

I-Arhente yeRhafu sele ithumela iileta zolwazi kubantu abaninzi abaziqeshileyo nakwiinkampani ichaza ukuba yeyiphi idatha eya kuyifumana ukususela ngo-2026 ukuya phambili: ii-akhawunti ezintsha ezivuliwe, ubunjani bazo (okwangoku, ukugcinwa, intlawulo ...), iintlawulo zekhadi ngaphandle komda omncinci kunye neentengiselwano zeBizum xa umniniyo eyingcali.

I-Ofisi yeRhafu izibona njani iipatheni ezikrokrisayo eBizum kunye nezinye iintlawulo

Ngemimiselo emitsha, i-Ofisi kaNondyebo ayisazibophelelanga ekuphononongeni iintengiselwano ezizimeleyoEyona nto inomdla kuye yiseti yeentshukumo kunye ne Iindlela zokuziphatha oko kunokubonisa ubukho bemisebenzi yezoqoqosho engachazwanga okanye ingeniso engahambelani nemeko yomrhafi.

I-Arhente yeRhafu isebenzisa i-algorithms kunye nezixhobo ezinkulu zokuhlalutya idatha ukudibanisa ulwazi oluvela kumakhadi, iBizum, iiakhawunti zebhanki, kunye neembuyekezo zerhafu. Ezinye zezinto ezihlalutyiweyo zezi:

• Ukuphindwa kwengeniso: Iintlawulo zeveki okanye zenyanga ezineemali ezifanayo.
• Abathumeli rhoqo: abantu abaninzi abasoloko behlawula izinto ezifanayo.
• Iingcinga ezisetyenziswa kwiintlawuloAmagama afana ne "inkonzo", "iklasi", "ukulungisa", "ukuphulula", "irenti" okanye efanayo, ekhomba ngokucacileyo kwinkonzo yobungcali.
• Ubudlelwane phakathi kweengqokelela kunye nokuhlawula okubhengeziweyoUkuba owona mthamo wamangenelo nge-Bizum kunye nekhadi awuhambelani noko kubhengezwe kwi-VAT okanye kwi-IRPF, isilumkiso siyaqaliswa.
• Ukuhambelana kwezimali zehlabathi: ingeniso ephezulu evela kwiintlawulo ezihambahambayo kubahlawuli berhafu ababhengeza imbuyekezo ephantsi okanye enguziro.
• Ixesha lexesha: amaxesha okuqokelela incopho kwimihla eqhelekileyo yemisebenzi ethile (ehlotyeni, IKrismesi, ngeempelaveki, ekupheleni kwenyanga…).

Konke oku kukuvumela ukuba uqonde, nangaphandle kokufunda intengiselwano nganye yeBizum ngokwakho.ukwenzela ukuba uLawulo lukwazi ukubona ngokukhawuleza iiprofayili zengozi: iirenti ezingachazwanga, izifundo zangasese ezingachazwanga, ukuthengiswa rhoqo kwiiplatifomu zesandla sesibini, iinkonzo zobuchwephesha ezifihliweyo "njengezinto ezilungileyo" phakathi kwabahlobo, njl.

Umyalezo osemthethweni ucacile: ingqwalasela ayikho kwiibhiya zangoLwesihlanu okanye izipho zokuzalwa.kodwa kumvuzo othe rhoqo obonakala ubuchwephesha kodwa ungabhengezwa ngokufanelekileyo. Abo baxuba iintlawulo zabaxhasi kunye nemali yomntu kwi-akhawunti efanayo basebenza kwindawo engwevu apho iziphathamandla zerhafu ziya kukhangela ngokukhawuleza ngokunyamezela okuncinci.

Izibophelelo zesibhengezo seBizum: €10.000, umsebenzi wezoqoqosho kunye nerenti

Ngaphandle kokuhamba kolwazi olutsha phakathi kweebhanki kunye noNondyebo, kukho inani lemithetho esisiseko Ngokumalunga nokuba intlawulo ye-Bizum kufuneka iboniswe nini kwimbuyekezo yakho yerhafu, nokuba ungumntu okanye ingcali.

Ngokubanzi, nayiphi na ingeniso evela kumsebenzi wezoqoqosho okanye wobugcisa kufuneka ibhengezwe.Nokuba uhlawulwe ngemali ezinkozo, ngentlawulo yebhanki, ngeBizum, okanye ngekhadi, indlela yokuhlawula ayitshintshi isibophelelo sakho serhafu: okubalulekileyo yimvelaphi yemali.

Kwimeko ethile ye-Bizum, iibhanki ezininzi kunye ne-Arhente yeRhafu yaseSpain (i-AEAT) ngokwayo ibhekisela kwisikhokelo se-10.000 euro ngonyaka. kwintengiselwano epheleleyo yomsebenzisi. Ukugqithisa loo mali, ngakumbi ngeentlawulo eziqhelekileyo, kunokubangela ukunyuka kokubeka iliso kwaye, ukuba kuyimfuneko, ukuhlolwa. Oku kusebenza kubantu ngabanye, kwii-freelancers, kunye namashishini.

Ukuba usebenzisa iBizum ukuqokelela irenti, loo ngeniso irhafiswa njengengeniso evela kwi-real estate capital.Ayinamsebenzi nokuba umqeshi ukuhlawula ngemali ezinkozo, ngokutshintshela ebhankini, okanye nge-Bizum: kufuneka uyifake kwimbuyekezo yakho yerhafu kwicandelo elihambelanayo, kunye neendleko zakho ezitsalwayo kunye nezinye iimfuno.

Kwiinkampani kunye neengcali, umthetho ungqongqo ngakumbi.: Zonke iimali eziqokelelwe nge-Bizum ezinxulumene nomsebenzi kufuneka zibhengezweAkukho "courtesy" ubuncinane; nokuba zizixa ezingokomfuziselo, ukuba ziyinxalenye yeshishini lakho, kufuneka zivele ngokuchanekileyo kwiincwadi zakho nakwiifomu zerhafu.

Izohlwayo kunye nezohlwayo zokungabhengezi ngokufanelekileyo intengiselwano yeBizum

Ukungahoyi izibophelelo zerhafu ezinxulumene neentlawulo zeBizum kunokuba yindlekongakumbi ngenqanaba elitsha lolawulo oluqala ukusebenza ngo-2026. UMthetho weRhafu Jikelele useka iintlobo ezahlukeneyo zokuphulwa kunye nezohlwayo ngokobungqongqo.

Kwiimeko ezincinci, xa iimali ezifihliweyo aziphezulu kakhulu kwaye akukho qhinga elicacileyo lobuqhetsebaisohlwayo sinokufikelela 3.000 euro, ukongeza kwintlawulo eyongezelelweyo edla ngokufikelela kwi I-50% yentlawulo engahlawulwanga.

Ukuba abasemagunyeni berhafu bajonga ukufihla njengento enzulu —umzekelo, kuba ichaphazela inxalenye ebalulekileyo yengeniso—, imida ephakathi I-50% kunye ne-100% yemali engekabhengezwangaphandle kwenzala kunye nezinye iintlawulo.

Xa ukuziphatha kuchazwa njengento enzima kakhulu, ngokufihlwa ngabom nangokuzinzileyo ixeshaisohlwayo sinokunyuka ukuya I-150% yemali eqhathiweyoKwaye ukuba imali idlula 120.000 euro, sisenokuba sijongene ne ukuphepha irhafu neziphumo zolwaphulo-mthetho, kuquka ukuvalelwa entolongweni.

Ukomeleza ulawulo kwi-Bizum, amakhadi, kunye neentlawulo ezihambayo zonyusa amathuba okuba i-Arhente yeRhafu ibone ukungangqinelani. phakathi koko kungena kwiakhawunti noko kubhengeziweyo. Ke ngoko, ukusukela ngo-2026 ukuya phambili, ukudlala ngeentlawulo ze-pseudo-B akukho mngcipheko kuphela, kodwa awunangqondo.

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