Iphulo lokubuyisela irhafu yengeniso ka-2024 liyaqhubeka ngoku., yaye njengaminyaka yonke, izigidi zabarhafi kuya kufuneka zingenise iiakhawunti zazo kuNondyebo. Le nkqubo, echaphazela bonke abantu abahlala eSpain ngengeniso ngo-2024, ikhatshwa lutshintsho olubalulekileyo, imihla emitsha ebalulekileyo, kunye nezinye izinto ezintsha ezifanele ukuqondwa nzulu.
Ukuphepha iimpazamo, izohlwayo okanye ukusebenzisa nje ithuba lokutsalwa okunokwenzeka, kuhle ukuhlolisisa indlela nexesha elifanele lifakwe ngalo eso sibhengezo, ngubani omele enjenjalo, ziziphi izixhobo ezikhoyo, yaye ziziphi iindleko ezinokuxhuzulwa. Kwesi sikhokelo sibanzi uya kufumana zonke iimpendulo, ngakumbi ukuba unomdla wokwazi Kwenzeka ntoni ukuba imbuyekezo yakho iyajongwa?.
Imihla engundoqo yeMbuyiselo yeRhafu yoMvuzo ka-2024
La I-Arhente yeRhafu imisele ikhalenda esemthethweni yephulo leRhafu yeNgeniso ka-2024., eqala ngoAprili 2 ukuya kuJuni 30, 2025.
- Ngomhla wesi-2 ukuya kuJuni 30: : ixesha lokufayilisha kwi-intanethi nge-portal ye-Arhente yeRhafu esemthethweni okanye i-app.
- NgoMeyi 6 ukuya kwi-30 kaJuni: : inkcazo ngomnxeba ngaphakathi kwesicwangciso esithi “Sikubize” (ukuqeshwa ngoAprili 29).
- Juni 2 ukuya kuJuni 30: Uncedo lwangaphakathi-mntu kwiiofisi ze-Arhente yeRhafu (ukuqeshwa kufuneka ukusuka kwi-29 kaMeyi).
- 25 ngoJuni: Ixesha elisikiweyo lokubhengezwa okunesiphumo sokuba kuhlawulwe kunye ne-debit ngqo.
Bangaphezu kwezigidi ezingama-23 abahlawuli berhafu ababizelwe ukuthatha inxaxheba kweli phulo.. Kubalulekile ukucwangcisa kwangaphambili eyona ndlela ifanelekileyo yokubonisa, nokuba yedijithali, ngomnxeba, okanye ngokobuqu. Ukuba ufuna ulwazi olongezelelweyo, ungabonisana ngakumbi malunga Iimpembelelo zokufaka ingxelo yakho yerhafu emva kwexesha.
Ngubani ekufuneka efake ingxelo?
Isibophelelo sokubhengeza sixhomekeke kumthombo kunye nesixa sengeniso efunyenwe ngo-2024.. Ezi ziingcinga eziphambili:
- Ngaphezulu kwe-22.000 ye-euro gross iintlawulo zonyaka zomhlawuli omnye.
- Ngaphezulu I-15.876 ye-euro iyonke nabahlawuli ababini nangaphezulu, ngaphandle kokuba abahlawuli besibini nabalandelayo bebonke badlula i-euro eyi-1.500.
- Abamkeli boMvuzo oBuncinci oBonelekileyo (IMV), nokuba abafikelelanga kubuncinane obusekwe kwamanye amatyala.
- Abasebenzi abazisebenzelayo, kungakhathaliseki umvuzo wabo.
Kwimeko yokungaphangeli kwaye ufumana izibonelelo, kufuneka kwakhona ibhengezwe ukuba idlula i-15.876 euro ngonyaka. Kukwasebenza okufanayo nakwabo bafumene uncedo loluntu okanye izibonelelo. Kubalulekile ukukhumbula ukuba i Abasebenzi abazisebenzelayo kufuneka bazazi iimfanelo zabo zerhafu.
Iinkcukacha zabamkeli be-IMV
Nawuphi na umntu ofumene uMvuzo oBuncinci (umnini okanye ilungu leyunithi yokuhlalisana) kufuneka afake isibhengezo., nokuba ubungenayo enye ingeniso. Lo mlinganiso ufuna ukuqinisekisa ukubakho okuqhubekayo koncedo kunye nokuhlaziya idatha yekhaya ngalinye.
Khumbula ukuba:
- Los Abantwana abancinci abaxhamla kwi-IMV kufuneka bavele kwakhona kwisibhengezo., mhlawumbi bekunye nabazali babo okanye ngabanye, kodwa akwanelanga ukubakhankanya njengenzala.
- I-IMV ikhululiwe kwirhafu ngaphandle kokuba, kudityaniswe nolunye uncedo loluntu, idlula i-euro eyi-12.600. Kwimeko apho, i-excess irhafiswa njengengeniso yengqesho.
- La Isibhengezo siya kuba lula xa kungekho ngeniso yimbi. Ukuba ingeniso epheleleyo ayigqithisi ubuncinane, iibhokisi zero zingavela.
Ngaphezu koko, kukho inani le Izibophelelo ezongezelelweyo zabamkeli be-IMV, njengokunxibelelana ngotshintsho lwentsapho, idilesi, okanye umvuzo, nokuba nenxaxheba kucwangciso lokuqukwa koBulungiseleli obuhambelanayo.
Izixhobo zeDijithali: Irenti yewebhu kunye neRenti ethe ngqo
I-Arhente yeRhafu ibonelela abemi ngezixhobo ezininzi zokuququzelela inkqubo. Phakathi kwazo kukho:
- Irenti yewebhu: iqonga apho unokubonisana kwaye ulungise uyilo ngaphambi kokungeniswa.
- I-App ye-Arhente yeRhafu: ikuvumela ukuba wenze imisebenzi eyahlukeneyo kwifowuni yakho ephathwayo, kubandakanya ukujonga ubume besibhengezo sakho.
- Umvuzo othe ngqo: inkqubo entsha yabarhafi abathile abaneembuyekezo ezilula kwaye akukho lutshintsho ukusuka kunyaka ophelileyo. Ikuvumela ukuba ufake imbuyekezo yakho yerhafu ngokukhawuleza.
Ungafikelela ngesatifikethi sedijithali, i-PIN ye-Cl@ve, inombolo yereferensi okanye i-DNI/NIE eneenkcukacha ezichaseneyo. Ngemibuzo noncedo, inombolo yomnxeba (91 554 87 70) iyafumaneka ngoMvulo ukuya ngoLwesihlanu, ukusuka ngo-9 am ukuya ku-19 p.m. Ukuba unomdla kwindlela yokwenza ngokuzenzekelayo iinkqubo, kukho izixhobo ezinokukunceda ukuququzelela ulawulo lwee-invoyisi zakho.
Ukutsalwa kwe-inshurensi kwirhafu yengeniso ka-2024
Abahlawuli berhafu abaninzi banokuxhamla ekutsalweni kwerhafu esetyenziswa kwiipolisi ezithile ze-inshorensi., enokunciphisa umthwalo werhafu. Ezi zezona zifanelekileyo:
I-inshurensi yekhaya
Itsalwa ukuba idibaniswe ne-mortgage kwaye ikhutshwe ngaphambi kwe-2013 kwindawo yokuhlala yokuqala. Kwakhona abanini-mhlaba kunye nabasebenzi abazisebenzelayo banokuyitsala ngokomlinganiselo wokusetyenziswa kwepropati ngobungcali.
- Kude kube I-15% yemali yeprimiyamu, kunye nobuninzi be-€1.536.
- Uluntu oluzimeleyo olufana neBalearic kunye neZiqithi zaseCanary nazo zivumela i-inshurensi engahlawulelwayo ukuba itsalwe kwirenti.
I-inshurensi yobomi
Itsalwa xa inxulunyaniswe neplani yemali-mboleko okanye imali yomhlalaphantsi (umzekelo, kwi-Insured Pension Plans). Abasebenzi abazisebenzelayo banokutsala ukuya kuthi ga kwi-500 ye-euro, okanye i-€ 1.500 ukuba banokukhubazeka.
Izibonelelo zirhafiswa njengengeniso evela kwinkunzi eshukumayo. Ukuba umxhamli wahlukile kumnini-polisi, irhafu yelifa nesipho iyahlawulwa. Kubalulekile ukwaziswa malunga nokuba le miba ichaphazela njani na ingxelo yengeniso ka-2024.
I-inshurensi yezempilo
Ukutsalwa kwayo akuvumelekanga ukuba ibiqeshwe bucala., kodwa ewe xa inkampani iqesha njengenxalenye yomvuzo ngokohlobo okanye ukuba umntu oziqeshileyo uhlawula irhafu ngovavanyo oluthe ngqo kwaye uhlangabezana neemfuno ezithile.
Inokuxhuzulwa okoko inkcitho ifanelekile, irekhodwe kwaye ingqinelana no-2024. Mayibandakanywe ibhokisi 200 yesibhengezo.
I-inshurensi yemoto
I-inshurensi yemfanelo yobungcali
Kutsalwa imali kuphela baqeshwe kwaye ukuba inxulumene ngokuthe ngqo nomsebenzi wakho okanye ishishini. Olu hlobo lwe-inshurensi lukhusela umonakalo kubantu besithathu ngexesha lemisebenzi yomsebenzi.
Indlela yokusombulula amathandabuzo kunye nokufumana uncedo
I-Arhente yeRhafu yomeleze amajelo ayo enkxaso kwiphulo lowama-2025. Abahlawuli berhafu banokufikelela:
- Ulwazi kwiwebhusayithi esemthethweni, iluncedo ngakumbi kubamkeli be-IMV kunye nabasebenzi abazisebenzelayo.
- Iinombolo zemfonomfono zoncedo ngokubanzi kunye nezobuchwephesha: 91 535 73 26 okanye 901 12 12 24 ukucela idinga kwisicwangciso somnxeba, kunye 91 554 87 70 ngolwazi olusisiseko lwerhafu.
- Ukufikelela kwi-intanethi izixhobo ezifana idrafti, ii-simulators kunye nezingqinisiso yedatha yerhafu egcina ixesha kunye nokuthintela iimpazamo.
Kwakhona, Oomasipala abaninzi kunye noluntu oluzimeleyo lupapasha izikhokelo ezithile malunga neenzuzo zerhafu zengingqi okanye iinkonzo ezongezelelweyo zeengcebiso zamahhala. Kunganomdla ukuphonononga ngakumbi malunga zemali kunye nendlela adibana ngayo nengxelo yakho.
Eli xesha lerhafu lika-2024 liphawulwe ngoluhlu lwemihla echazwe kakuhle, ukuqiniswa kwamajelo edijithali, kunye namathuba amaninzi abo bahlangabezana neemfuno ezithile kwaye banqwenela ukuthatha inzuzo yazo zonke iintlawulo ezikhoyo. Ukuzibophelela ekukhanyeni kwerhafu kufuna abaninzi abahlawuli berhafu, ngakumbi abo bafumana izibonelelo zentlalo ezifana ne-IMV (i-Mexican Social Security Income) okanye abaqeshwanga, ukuba bafake iimbuyekezo zerhafu kungakhathaliseki ukuba bathini ingeniso yabo. Kwangaxeshanye, amathuba amatsha avulelwa abo bawasebenzisayo i-inshorensi edityaniswe nezindlu okanye imisebenzi yezoqoqosho, ingakumbi abasebenzi abazisebenzelayo. Ukuqonda kakuhle iimeko ezithile kunokwenza umahluko phakathi kokuhlawula irhafu eninzi kakhulu okanye ukusebenzisa inzuzo yerhafu efumanekayo kumntu wonke.
