Ndeupi kukosha kunofanirwa kuiswa muiajd kubviswa kwemortgage?

Calculator yemitengo yekutenga chivakwa muSpain

Sezviri munyika zhinji, iwe uchafanirwawo kufunga nezvekubhadharwa kwemutero wezvivakwa muSpain, kana uri kufunga kutenga imba kana imba ipapo. Kunyangwe iwe uchizotenga imba ichangobva kuvakwa kana yechipiri-ruoko, iwe unofanirwa kuziva kuti hapana paaviri maitirwo acho asingabhadharwe mutero.

Usati waenderera mberi, zvakakosha kuyeuka kuti kunyange zvazvo mitero yekutenga imba iri, qualitatively uye quantitatively, imwe yezvinonyanya kukosha zvemhando iyi yekushanda, haisi iyo chete yauchazofanira kutarisana nayo. Iwe zvakare uchafanirwa kutora mari inotorwa kubva kumatanho anoitwa nemunyori, angangoita zviuru zvishoma zveeuro, pamwe nemutero wekunyoresa zvivakwa (ITP) unowanzo kutenderedza 8-10% yemutengo wekutengesa. Iwe unogona zvakare kuda kugadza gweta, iyo inodhura ingangoita 1% yemutengo wekutengesa. Zvakare, kana ukanyorera remba, usakanganwa kuwedzera mari yechikwereti ichi, huwandu hwemubereko pachikwereti, pamwe nekuongorora uye komisheni yekuvhura.

Ngozi dzekutenga zvivakwa muSpain

Dambudziko rehutano, kuvharirwa uye zvese zvakasiyana zvakaipira denda pahupfumi uye pahupenyu hwedu hwezuva nezuva zvakakanganisa hukama hwevakawanda vakaroorana. MuSpain chete, maererano nedata kubva kuGeneral Council of the Judiciary, muchikamu chechitatu chegore ra2020, zvikumbiro makumi maviri neshanu nemazana manomwe nemakumi matatu nemaviri zvekuparadzana nekurambana zvakanyoreswa. Izvi zvaimiririra 25.732% kupfuura izvo zvakaratidzwa munguva imwechete yegore rapfuura. Pakati pavo, vanopfuura hafu vakabvumirana. Uyezve, zvingangoita kuti vazhinji vevaroorani ava vakagovana misha yavo.

Muzviitiko izvi, kutengeswa kweimba mushure mekurambana ndeimwe yemhinduro dzinowanzozivikanwa uye chimwe chezvinhu zvinowanzonetsa vakaroorana vanopinda mumamiriro ezvinhu aya mutero: ndeipi mitero inofanira kubhadharwa pakutengeswa kweimba muMallorca. , Menorca kana Ibiza mushure mekurambana, uye mari iyi inogoverwa sei pakati pemapato?

Iyo Personal Income Tax (IRPF) inobhadharwa pamari inowanikwa. Inoverengerwa uchifunga nezvekutenga nekutengesa mitengo yemba uye zvimwe zvinhu zvinogona kukanganisa mutero. Izvi zvinogona kuva, semuenzaniso, mari yose yaifanira kubhadharwa pakutengesa nekutenga imba uye mari yekuchinja kukuru kwakaitwa mumba.

Kutenga nzvimbo muSpain kubva kuIreland

Vanhu vazhinji vanosarudza kutenga imba vanofanirwa kunyorera chikwereti chemba kubva kusangano rezvemari kuti vakwanise kubhadhara. Danho rekutanga rinofanirwa kutorwa, nekudaro, nderekuziva nezve izvo zviripo zvinopihwa uye zvisungo zvinosungirwa.

Sezvo bhangi kana bhangi rekuchengetedza rine vimbiso inoshanda zvakanyanya, inova pfuma yakabatiswa, inogona kupa chikwereti kwenguva yakareba uye nemubereko unobatsira pane wechikwereti chako.

Iyi haisiyo chete nzira inogoneka yekubatisa. Sangano rezvemari rinowanzoda, kuwedzera kune chikwereti, chivimbiso chinosanganisira mumwe kana vanhu vakawanda vanotsigira ane chikwereti, akazvipira kubhadhara kana iyo yekupedzisira isingaiti.

Basa renyika yose: Zvinofanira kurangarirwa kuti mukwereti ari kukumbira chikwereti anopindura nezvinhu zvake zvese zvazvino uye zveramangwana kuti abhadhare chikwereti chemba. Kana kutengeswa kwemudziyo wakakweretwa kusingawani zvakakwana kubhadhara chikwereti, mabhanga akapa chikwereti anoda kuti mukwereti abhadhare neimwe midziyo yaanayo panguva iyoyo kana mune ramangwana.

Mari dzepamwedzi dzekuva nemba muSpain

Iyi nharaunda inozvimiririra inokwezva vese vateereri vekunze uye vemunyika. Iwo makuru akasiyana-siyana enzvimbo: kubva kumakomo nechando, kuzuva uye kumhenderekedzo yegungwa, inoita kuti nzvimbo iyi yeSpain ive imwe yeanonyanya kuzivikanwa nekusarudza kutenga imba yechipiri kana nzvimbo yekuzorora uye pamudyandigere.

Mitero kana uchitenga imba muAndalusia imari yakakosha kumhuri zhinji, avo vanoda kuziva chaizvo sezvinobvira kuti vachabhadhara marii pazvinhu zvavo. Muchinyorwa chino tinojekesa mari yese ine chekuita nekutenga muAndalusia, zvisinei nerudzi rwechivakwa chinowanikwa, ingave imba yakasarudzika muMarbella, imba yekare kana imba yemutaundi muNueva Andalucía.

Kana tichitenga imba tichafanirwa kutarisana nemitengo inodiwa pakutenga imba nyowani kana yechikare. Mari idzi dzinonyanya kukosha mutengo wemba unofanirwa kubhadharwa kune mutengesi, uye mutero (ITP kana VAT neAJD), pamusoro pemubhadharo uye mamwe masevhisi emukati mukutengwa kweimba. Ichi chikamu chakaverengerwa zvinoenderana nemitengo iripo uye mutero wekutenga imba muAndalusia muna 2020.