I-Bizum kanye nokulawulwa okusha koMgcinimafa ezinkokhelweni zedijithali

I-Bizum isuke ekubeni indlela elula yokukhokhela obhiya abambalwanokulandela izigameko zakamuva ubhekene nenhlawulo yokweba idathaLokhu kuhlelwa ukuthi kugxilwe kakhulu yi-Ejensi Yentela. Ngokufika kuka-2026 kanye ne-Royal Decree 253/2025, ukusetshenziswa kwezinkokhelo zeselula namakhadi kuzogadwa ngendlela engakaze ibonwe ngaphambili, futhi lokhu kufaka phakathi yonke into kusukela kokwenziwa ngabazisebenzayo kanye namabhizinisi kuye kokwenziwa okuthile ngabantu ngabanye.

Ushintsho olubalulekile ukuthi iziphathimandla zentela azisagxili emananini amakhulu kuphela. Futhi uqala ukubheka amaphethini, ukuphindaphinda, nezinhlobo zokuthengiselana. Umkhawulo odumile othi "€3.000" uphonswa ngefasitela, nemiqondo efana nayo umthamo wonyaka, umsebenzi wezomnotho oyimfihlo o iminikelo okumele imenyezelweMasihlukane, ngokuzola futhi ngaphandle kwedrama, yini ngempela ezoshintsha nge-Bizum, amakhadi nezinkokhelo zamaselula kusukela ngo-2026 kuye phambili, nokuthi ikuthinta kanjani kuye ngokuthi ungumuntu oyedwa, uyazisebenza noma uyinkampani.

Sala kahle emkhawulweni wama-€3.000: ukuthi kusho ukuthini ngempela

Iminyaka eminingi, i-euro threshold engu-3.000 ibisebenza njengohlobo “lwesihlangu sezengqondo”Amabhange kwakudingeka abikele iziphathimandla zentela noma yiziphi izinkokhelo zekhadi ezingaphezu kwaleyo mali. Ngaphansi kwalowo mkhawulo, izilawuli bezikhona, kodwa bezilinganiselwe kakhulu, futhi izinkokhelo eziningi ezincane azizange zifakwe emibikweni ehlelekile.

NgeRoyal Decree 253/2025, eqala ukusebenza ngoJanuwari 1, 2026, lowo mngcele uyanyamalala.Izikhungo zezimali kuyodingeka zazise Inhlangano Yezentela. zonke izinkokhelo zekhadi ezixhumene nemisebenzi yezomnotho, ngaphandle kobuncane obuncane, kanye nemisebenzi evela kumasistimu okukhokha ahlobene neselula, njenge-Bizum noma amanye amasevisi afanayo.

Okusha akukhona nje ukuthi amanani amancane ayabikwakodwa ishintsha i-logic yesistimu: manje okubalulekile yi- isethi yomnyakazo wonyaka kanye nemvelo yayo (kungakhathaliseki ukuthi ihambisana nokusetshenziswa, umsebenzi wobuchwepheshe, iminikelo, njll.), hhayi kangangokuthi ukusebenza okukodwa "kweqa" ngaphezu kwesibalo esithile.

Lokhu kuqiniswa kokulawulwa kolwazi kuqedwa ngokushintsha kwemvamisaOkwakukade kwaziswa kanye ngonyaka manje sekuzohlinzekwa nyanga zonke ukuze kukhokhelwe abantu abazisebenzayo kanye nezinkampani, ukuze iHhovisi Lentela libe nemininingwane eminingi yakamuva ehambisana ne-VAT, intela yeholo lomuntu siqu kanye nezinye izintela zentela.

Izinkokhelo ze-Bizum neselula: kusukela “kuhlelo lokusebenza olungekho emthethweni” kuya esiteshini esilawulwa ngokugcwele

I-Bizum idalwe njengesixazululo esisheshayo sokulungisa ama-akhawunti phakathi kwabanganeUkukhokhela isidlo sakusihlwa, ukubuyisela umusa, ukunikela ngemali yesipho seqembu... futhi ekuqaleni kwabonakala cishe njengento "engahlelekile", nakuba ngokobuchwepheshe bekulokhu kungaphakathi kwesistimu yebhange futhi, ngakho-ke, ngaphansi kwe-radar engaba khona yeHhovisi Lentela.

Ngokukhula kwezinkokhelo zamaselula ezitolo, ezinkonzweni naseziqashiwe, i-Bizum ayisenabangane nje kuphelaOchwepheshe abaningi ngokwengeziwe, amabhizinisi amancane, ngisho nabanikazi bezindlu bayisebenzisela ukuqoqa izinkokhelo, ngezinye izikhathi ngaphandle kokukhipha ama-invoyisi noma ukumemezela yonke imali engenayo. Yilapho kanye imithetho emisha igxilisa khona ukunaka kwabo.

Kusukela ngomhlaka-1 Januwari 2026, izinhlangano ezikhokhayo nezemali ye-elekthronikhi kuzodingeka ukuthi zibike kuMgcinimafa. Izinkokhelo ezenziwe nge-Bizum namanye amasistimu eselula uma umemukeli eyinkampani noma umuntu ozisebenzelayoNgamanye amazwi, uma ibhange lakho likuhlonze njengochwepheshe noma unenkontileka okungeyona eyomuntu siqu, Ukwenziwa ngakunye kwe-Bizum okuxhunywe kumsebenzi wakho kuzobonakala emibikweni yanyanga zonke eya Kwabaphathi Bentela..

I-Tax Agency igcizelela ukuthi inhloso akukhona ukubuyekeza konke okwenziwa yi-Bizum okuncane phakathi kwabantu.kodwa ukuba nesithombe esicacile nesihlelekile sezinkokhelo ze-elekthronikhi eziyingxenye yomnotho wangempela wamabhizinisi kanye nochwepheshe, ukuvimbela izinkulungwane zama-micropayments ezentengiselwano ukuba zishiywe ngaphandle kwesithombe sezimali.

Ezakhamuzini ezijwayelekile, imisebenzi ye-Bizum peer-to-peer (C2C) iyaqhubeka nokukhishwa ekubikweni okuhlelekile.Kuncike ekutheni umamukeli engabhalisiwe njengomuntu ozisebenzelayo noma inkampani futhi umthamo othile wokuqapha aweqiwe. Noma kunjalo, ukusebenza akusabonakali "okungabonakali": konke lokhu kuthengiselana kwenzeka ngaphakathi kwesistimu yamabhange futhi kungahlaziywa ekucwaningweni okuqondile uma i-Tax Agency ikubona kudingekile.

Abantu ngabanye: imikhawulo, iminikelo, kanye nalapho kungase kuqaliswe isexwayiso

Uma usebenzisa i-Bizum kuphela ukukhokhela ukudla kwakusihlwa, izipho, noma izikweletu ezincane nabangani nomndeniIthiyori ilula: ipulatifomu ngokwayo kanye neziphathimandla zentela zibonisa lokho Ukuthengiselana kwe-Bizum phakathi kwabantu ngezinjongo zomuntu siqu nezingenzi-nzuzo akumenyezelwa ngokucacilenokuthi uma isamba sonyaka singeqi I-10.000 euro Ekwenziweni komuntu siqu, ngokuvamile akubangeli izinkinga.

Isihluthulelo lapha sisohlotsheni lokusebenza kanye nokuphindaphinda kwakho.Kuyinto eyodwa ukuthumela umfowenu ama-euro angu-40 ngezoso zangezimpelasonto noma ukuze abangani bakho babuyisele isabelo sabo sesipho, futhi okunye ukuthola amanani afanayo nyanga zonke kubantu abafanayo abanephethini ethile (ngokwesibonelo, “inkokhelo yokuqasha” engaguquki noma iholo elivamile elifana nenkokhelo efihliwe).

Ngokombono wezomthetho, ukunikeza ingane noma isihlobo usizo lwezezimali kungenzeka ngokuphelele.Kodwa kukhona okubalulekile okufanele ukukhumbule: Lokhu kudluliselwa kuyiminikelo futhi, ngokombono, kufanele kube ngaphansi Kwentela Yefa Nesipho.nakuba imiphakathi ezimele ivame ukusebenzisa amabhonasi aphezulu kakhulu phakathi kwezihlobo eziqondile.

Intsha yalolu hlelo olusha ayikona ukuthi ukunikela ngemali akukho emthethweni.kodwa ngenxa yolwazi oluningiliziwe kanye nokuhlaziywa kwedatha, uMnyango wezeziMali ungabona kangcono kakhulu ukuthi lezo zinkokhelo zosizo lwe-Bizum izinkokhelo zezikhathi ezithile ezifihliweUma okwenziwayo kuphindwa, imiqondo ingahlangani, noma umamukeli akakwazi ukuthethelela umsuka wemali, isicelo esisemthethweni solwazi singakhishwa.

Ngokuhambisanayo, umkhawulo wonyaka wama-€25.000 wamakhadi omuntu siqu kufanele ucatshangelwe.Amabhange azothumela isifinyezo saminyaka yonke sezindleko, amakhredithi, ukuhoxiswa kwemali, imali eyengeziwe, kanye nokuthenga kwawo wonke amakhadi anevolumu yawo ephelele (imali engenayo kanye nokuphumayo) edlula lelo nani. Okwenziwayo okungaphansi kwalowo mkhawulo ngeke kubikwe, kodwa ukweqa lelo zinga kubeka ikhadi lakho eqenjini lezindlela zokukhokha ezinemithelela yentela ekhethekile.

Abantu abazisebenzayo nezinkampani: ukulawulwa okuphelele kwanyanga zonke kwe-Bizum namakhadi

Ushintsho lujule kakhulu emkhakheni wezobuchwepheshe.Kusukela ngo-2026 kuya phambili, bonke abantu abazisebenzayo noma izinkampani eziqoqa izinkokhelo nge-Bizum, ikhadi, noma ezinye izinhlelo zokukhokha ezixhunywe kumaselula zizoba ngaphansi kwe- okuningiliziwe kakhulu ukulawula kwanyanga zonke yi-Ejensi Yezintela.

Amabhange nezikhungo zokukhokha kumele zilethe umbiko wanyanga zonke kuMgcinimafa. ngolwazi lwazo zonke izinkokhiso ezihlobene nemisebenzi yezomnotho, okuhlanganisa:

• Amaqoqo namakhredithi asuselwe ekuthengisweni noma kumasevisi.
• Izindleko ezihambisana namasevisi namakhomishini.
• Ukwengeza, ukudluliselwa kwangaphakathi, nokudluliselwa phakathi kwama-akhawunti.
• Ukuhoxiswa kwemali okuxhunywe kumaselula noma amakhadi abonakalayo.

Ngeke kube khona inani elincane: i-Bizum yama-euro angu-2 izoba nokubonakala okufanayo nokukodwa kwama-200.Ngale ndlela, noma iyiphi inkokhelo etholwe uchwepheshe, kungakhathaliseki ukuthi iyincane kangakanani, izoba yingxenye yesizindalwazi iHhovisi Lentela lizoqhathanisa nayo lokho okumenyezelwe ngamafomu afana ne-303 (VAT), 130 (Personal Income Tax ngokulinganisa okuqondile) noma 200/202 (Corporate Income Tax, endabeni yezinkampani).

Ngaphezu kwalokho, amamodeli emininingwane yentela amasha aklanywe. ukuze izikhungo zezezimali zibike le datha ngendlela esezingeni. Ngokwezinto ezibonakalayo, lokhu kusho ukuthi I-Bizum ayiseyona leyo ndlela "evumelana nezimo" yokukhokhelwa ngaphansi kwetafula. abanye abebeyisebenzisa futhi ihlanganiswe ngokugcwele ohlelweni lwentela olusemthethweni.

I-Tax Agency isivele ithumela izincwadi zolwazi kubantu abaningi abazisebenzayo nasezinkampanini ichaza ukuthi iyiphi idatha ezoyithola kusukela ngo-2026 kuye phambili: ama-akhawunti amasha avuliwe, uhlobo lwawo (okwamanje, ukonga, inkokhelo…), izinkokhelo zamakhadi ngaphandle komkhawulo omncane kanye nokuthenga kwe-Bizum lapho umnikazi eyingcweti.

Ihhovisi Lentela liwathola kanjani amaphethini asolisayo e-Bizum nakwezinye izinkokhelo

Ngemithetho emisha, uMnyango Wezezimali awusagcini ngokubuyekeza okwenziwayo okukodwaOkumthakazelisa kakhulu yisethi yokunyakaza kanye ne amaphethini wokuziphatha okungase kubonise ukuba khona komsebenzi wezomnotho ongadalulwanga noma imali engenayo engafani nesimo somkhokhi wentela.

I-Tax Agency isebenzisa ama-algorithms namathuluzi amakhulu okuhlaziya idatha ukuhlanganisa ulwazi oluvela kumakhadi, i-Bizum, ama-akhawunti asebhange, nezimbuyiselo zentela. Ezinye zezinto ezihlaziywe yilezi:

• Ukuphindaphinda kwemali engenayo: Izinkokhelo zeviki noma zenyanga ezinamanani afanayo.
• Abathumeli abavamile: abantu abambalwa abavame ukukhokhela izinto ezifanayo.
• Imiqondo esetshenziswa ezinkokhelweniAmagama afana nokuthi “isevisi”, “ikilasi”, “lungisa”, “masaji”, “ukuqasha” noma okufanayo, akhomba ngokusobala isevisi yobungcweti.
• Ubudlelwano phakathi kwamaqoqo nokukhokhiswa okumenyezelweUma ivolumu yangempela yokufakiwe nge-Bizum nekhadi ingafani nalokho okushiwo ku-VAT noma i-IRPF, isexwayiso siyaqaliswa.
• Ukuhambisana kwezimali zomhlaba wonke: imali engenayo ephezulu evela ezinkokhelweni zamaselula kubakhokhi bentela abamemezela ukubuyiselwa kwemali okuphansi noma okuyiziro.
• Isikhathi sonyaka: izikhathi zokuqoqwa okuphezulu ngezinsuku ezijwayelekile zemisebenzi ethile (ihlobo, I-Navidad, izimpelaviki, ukuphela kwenyanga…).

Konke lokhu kukuvumela ukuthi uqonde, ngisho nangaphandle kokufunda okwenziwayo ngakunye kwe-Bizum ngakunye.ukuze Abaphathi bakwazi ukubona ngokushesha amaphrofayili engcuphe: ukuqashiswa okungadalulwanga, izifundo zangasese ezingadalulwanga, ukuthengisa okuqhubekayo kumapulatifomu amasekeni, izinsizakalo zobungcweti ezifihliwe njengokuthi "izintandokazi" phakathi kwabangane, njll.

Umlayezo osemthethweni ucacile: okugxilwe kukho akukhona kumabhiya wangoLwesihlanu noma izipho zosuku lokuzalwa.kodwa kunalokho emalini etholwa njalo ebonakala iyingcweti kodwa engamenyezelwanga kahle. Labo abaxuba izinkokhelo zamakhasimende kanye nemali yomuntu siqu ku-akhawunti efanayo basebenza endaweni empunga lapho iziphathimandla zentela zizoqhubeka zicubungula ngokubekezelela okuncane.

Izibopho zesimemezelo se-Bizum: €10.000, umsebenzi wezomnotho nokuqashisa

Ngale kokugeleza okusha kolwazi phakathi kwamabhange noMnyango Wezezimali, kunemithetho embalwa eyisisekelo Mayelana nokuthi inkokhelo ye-Bizum kufanele ibonakale nini embuthweni wakho wentela, kungakhathaliseki ukuthi ungumuntu oyedwa noma uchwepheshe.

Ngokuvamile, noma iyiphi imali engenayo etholakala emsebenzini wezomnotho noma wochwepheshe kufanele kushiwo.Kungakhathaliseki ukuthi ukhokhelwa ngokheshi, nge-EFT, nge-Bizum, noma ngekhadi, indlela yokukhokha ayishintshi isibopho sakho sentela: okubalulekile umsuka wemali.

Esimeni esithile se-Bizum, amabhange amaningana kanye ne-Spanish Tax Agency (AEAT) yona ngokwayo ikhomba umkhawulo womhlahlandlela wama-euro angu-10.000 ngonyaka. ngokwenziwa komsebenzisi okuphelele. Ukweqa lelo nani, ikakhulukazi ngokukhokhiswa njalo, kungabangela ukukhushulwa kokuqapha futhi, uma kunesidingo, kuhlolwe. Lokhu kusebenza kubantu ngabanye, ama-freelancers, namabhizinisi.

Uma usebenzisa i-Bizum ukuqoqa imali yokuqasha, leyo mali engenayo ikhokhiswa intela njengemali engenayo evela emalini yezindlu ezithengiswayo.Akunandaba ukuthi umqashi ukukhokhela ngemali, nge-akhawunti yebhange, noma nge-Bizum: kufanele uyifake embuthweni wakho wentela esigabeni esihambelanayo, kanye nezindleko zakho ezidonswayo nezinye izidingo.

Ezinkampanini nabachwepheshe, umthetho uqine nakakhulu.: Wonke amanani aqoqwe nge-Bizum ahlobene nomsebenzi kufanele amenyezelweAzikho isilinganiso "senhlonipho"; ngisho noma kungamanani angokomfanekiso, uma eyingxenye yebhizinisi lakho, kufanele avele ngendlela efanele ezincwadini zakho nasemafomini entela.

Izinhlawulo nezinhlawulo zokungamemezeli kahle okwenziwa yi-Bizum

Ukuziba izibopho zentela ezihlobene nezinkokhelo ze-Bizum kungase kubizeikakhulukazi ngezinga elisha lokulawula eliqala ukusebenza ngo-2026. Umthetho Wentela Jikelele usungula izinhlobo ezahlukene zokwephulwa kwemithetho nezijeziso ngokuya ngobunzima.

Ezimeni ezincane, lapho amanani afihliwe engekho phezulu kakhulu futhi lingekho isu elicacile lokukhwabanisainhlawulo ingafinyelela ku I-3.000 euro, kanye nenkokhelo eyengeziwe ngokuvamile efinyelela ku U-50% wemali engakhokhiwe.

Uma iziphathimandla zentela zibheka ukufihla njengokubi —ngokwesibonelo, ngenxa yokuthi kuthinta ingxenye enkulu yemali engenayo—, inhlawulo iphakathi 50% kanye no-100% yenani elingakamenyezelwangaphandle kwenzalo nezinye izinkokhiso.

Lapho ukuziphatha kuhunyushwa njengokubi kakhulu, ngokufihla ngamabomu nokuqhubekayo el tiempoinhlawulo ingakhula ibe U-150% yenani elikhwatshiweFuthi uma inani lidlula I-120.000 euro, singase sibhekane ne-a ukubalekela intela nemiphumela yobugebengu, kuhlanganise nokuboshwa okungenzeka.

Ukuqinisa izilawuli ku-Bizum, amakhadi, nezinkokhelo zeselula kukhulisa amathuba okuthi i-Tax Agency ibone ukungezwani. phakathi kwalokho okungena ngempela ku-akhawunti nalokho okumenyezelwe. Ngakho-ke, kusukela ngo-2026 kuya phambili, ukudlala ngezinkokhelo ze-pseudo-B akuyona nje ingozi, kodwa kuyize.

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Isaka

Umbhali oshisekayo ngomhlaba wamabhayithi nobuchwepheshe ngokujwayelekile. Ngiyathanda ukwabelana ngolwazi lwami ngokubhala, futhi yilokho engizokwenza kule bhulogi, ngikubonise zonke izinto ezithakazelisayo kakhulu ngamagajethi, isofthiwe, ihadiwe, izitayela zobuchwepheshe, nokuningi. Inhloso yami ukukusiza ukuthi uzulazule emhlabeni wedijithali ngendlela elula nejabulisayo.