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Home » Mubvunzo wemuverengi » Kunyangarika kwemutero wekubhadhara mutero wechikwereti kune zvizvarwa zveDutch kunze kwenyika kubva 1 Ndira
Kunyangarika kwemutero wekubhadhara mutero wechikwereti kune zvizvarwa zveDutch kunze kwenyika kubva 1 Ndira
Vadiwa vaverengi,
Mazuva mashoma apfuura ndakabvunza mubvunzo nezve kutsakatika kwemutero wekubhadhara (discount) kubva 1-1-2019. Vanhu vakati wandei vakapindura kuti kiredhiti yemutero chete ndiyo ichanyangarika, asi pakubvunza paSVB muRoermond, zvinoita sekunge mutero wese wemubhadharo uchanyangarika uye hauzoudzosere kuburikidza nemitero.
Kune munhu mumwechete, izvi zvinoreva kuti iwe uchagamuchira € 219 zvishoma pamwedzi pamambure ako AOW (uye saka iwe unenge uine chimwe chinhu che900 € chasara). Kwandiri, izvozvo zvinotyisa. Ndokumbirawo mupindure nezvimwe kubva kune mamwe ma singles ane pension yenyika muThailand.
Imwezve yekuwedzera: Pahofisi yemutero vanoti mutero wemutero uchanyangarika kune vanhu vari kunze kwenyika uye nawo mutero wekubhadhara. Zvese zvinondivhiringa, asi ndiani ane njere pazviri?
Kwazisai,
Wil
Kana iwe usinganzwisise Wil, saka iwe zviri nani kuhaya mutero chipangamazano, ndinofunga.
Wadiwa Kuda, handirevi kukunetsa, asi chikwereti chemutero chevanhu vanogara muThailand zvachose chakabviswa kare. Ndinovimba haungagamuchire kumwe kuongorora kwemudyandigere wehurumende iyo, mumutemo, inobhadharwa zvakanyanya nemutemo. Zvigunwe zvakapesana ndinoti. Ini ndaizochengeta mamwe macoin chete kana zvakadaro….
Mutero wekubhadhara mutero wekubhadhara uye mipiro yeinishuwarenzi yenyika inofanira kubhadharwa pamwe chete. Kana iwe uchigara muThailand, haubhadhare mipiro yenyika inishuwarenzi. Iwe haufanirwe kuita chero chinhu pamusoro peizvi, nekuti zvese zvinoitwa otomatiki kuburikidza neako epagore mutero statement. Mari yekubhadhara mutero haisati yashanda kwemakore akati wandei ikozvino. Hapana mukuru discount. Zvakadaro, iwe uchave uine mambure akawanda kupfuura dai wakaramba uchigara muNetherlands.
Hazvina musoro kumhanyisana nemhando dzese dzeruzivo nenzira isinganzwisisike uye/kana yekunyengerwa.
Kubva muna Ndira 1, unobhadhara chete 20.385% mutero wemuhoro pamari yako yese kusvika pachiyero cheEUR 9.
Ndiyo EUR 1.835. Iwe unobhadhara 37,05% mutero wemuhoro pane yese yaunowana.
Saka: kana uine mari yeEUR 30000, iwe unobhadhara iyo yakazara EUR 1835 mubhaketi rekutanga; pane yakawandisa yaunobhadhara 37,05% yeEUR 9.615 iri EUR 3.562. Zvose: EUR 5.397 Ndiyo pamwedzi: EUR 450
Saka unosara pamwedzi: EUR 30,000/12 = EUR 2.500 kubvisa EUR 450 inoita EUR 2.050
Mari dzakatenderedzwa uye dzakakomba, saka kusanganisira mubhadharo wezororo.
Hazvina mhosva kuti unozviona sei: iwe ungadai uine zvishoma zvasara muNetherlands!
Ndinofungidzira kuti iyo 37,05% yawakataura ndiyo yakazara mutero wekubhadhara, kusanganisira mipiro yenyika yeinishuwarenzi, nezvimwewo. Mukuona kwangu, chikamu chemutero wemubhadharo wakaderera zvikuru!
Iyo yakataurwa % ye37,05 inobata 2nd bracket: iyo yakawandisa iri pamusoro peEUR 20.835. Kwemakore akawanda izvi hazvina kusanganisira mubhadharo. Izvi zvakatogadziriswa mu1st bracket.
Zvandakanganwa kutaura ndezvokuti muThailand iwewo haubhadhare mupiro weZVW, unova 6,95% gore rinouya. Muchiverengero changu mumhinduro yapfuura, yakatove yakaverengerwa.
Izvi hazvisi izvo, Ruud.
Iwe uri kugara muNetherlands mukati meese 1st uye 2nd bracket. mari yeinishuwarenzi yenyika inofanirwa. Ichadzimwa chete kubva pachikamu che3
Sezvineiwo, chikamu che37,05% hachioneki mune chero tafura.
Wil asvika zera remudyandigere. Kwaari, kana achigara muNetherlands (izvo zvichiri zvakadaro nhasi), chikamu chekubatana che18,65%, 22,95%, 40,85% uye 51,95% chinoshanda mukupindura. 1st kuburikidza ne4th disk.
Mushure mekutama, mapeji emutero wekubhadhara ari 8,90%, 13,20%, 40,85% uye 51,95% mukupindura. 1st kusvika 4th disc.
Mamiriro andiri kutsanangura ndeekugara muThailand, nekuti ndizvo zvainetsa mubvunzi. On: https://financieel.infonu.nl/ marudzi ese eruzivo anogona kuwanikwa nezve nhanho uye kuvandudzwa kwemabhuraketi emitero muna 2018, 2019 uye kufambira mberi kusvika 2022. Iro muzana ye37,05 ndiyo inonyanya kukosha kupfuura ye2018.
Nehurombo Ruud, unotutira chikanganiso chimwe pane chimwe uye zvino enzanisa maapuro nemapeya. Iwe unotya kupenga kwevaverengi vako.
Chikamu che37,05% chinoshandiswa newe chikamu chechipiri chebhureketi kutanga muna 2021 uye nehurefu hwebhuraketi re € 36.153 kusvika uye kusanganisira € 68.507.
Izvi zvinofananidzwa neyazvino THIRD bracket ine chikamu che40,85% uye kureba kwe34.404 € kusvika uye kusanganisira 68.507. Mune mamwe mazwi: mutoro wemutero unobva waderedzwa ne3,80%. Uye iyo inyaya yakasiyana zvachose!
Ini handina kuvhura chinongedzo chako, asi ini ndinodawo kushandisa iyo Tax Plan Act 2019, iyo iwe yaunogona kudhawunirodha neinotevera link:
https://www.rijksoverheid.nl/documenten/kamerstukken/2018/09/18/belastingplan-2019
wobva waenda kupeji 14.
Mumapeji apfuura iwe unowana iwo emutero muzana sezvandambotaura nezvawo zvemakore 2019 na2020.
Wadiwa Kuda,
Iyi inyaya inovhiringa zvikuru. Iwe unoti zvose mutero wekubhadhara mutero uye mutero wekubhadhara unopera kana uchigara kunze kwenyika. Zvisinei, izvozvo hazvina kururama.
Mutero wekubhadhara mutero (wage) mutero uye mipiro yenyika inishuwarenzi inokweretwa uye mutero wemutero kiredhiti kuderedzwa kwemutero uye premium inokweretwa. Nekudaro, kubva 1 Ndira 2015 iwe hausisina kodzero yekubhadhara mutero kana uchigara muThailand. Icho chokwadi chekuti SVB ichiri kushandisa izvi zvideredzwa kwauri kukanganisa kwakajairika. Une rombo rakanaka kuti izvi hazvisati zvawanikwa neVatengi Vemitero panguva yekuongorora.
Sezvineiwo, huwandu hwekurasikirwa kwemari hwakaderera pane iyo € 219 yawataura. Iwe unogona kunge wakawana mari iyi kubva kune webhusaiti yeSVB, asi, sezvandakataura, mutero wemutero wechikwereti une zvikamu zviviri, zvinoti mutero uye chikamu cheprimiyamu. Kana iwe uchigara kunze kweNetherlands, iyo yenyika inishuwarenzi mipiro uye nekudaro zvakare chikamu chekutanga chemutero kiredhiti chinopera.
Handikwanise kutaura kuti kurasikirwa nemari kunorevei kwauri. Izvo zvakasiyana kune wese munhu, asi zvinosvika 8,9% ye2018 (2019 9,1%) mutero wemuhoro. Izvi zvichabva zvawedzera kusvika ku9,4% muna 2022. Zvikaverengwa pamusoro pegore rose, izvi zvinoreva kurasikirwa kwemari inopfuura mwedzi mumwe weAOW inobatsira.
Ndatenda nenyaya yakajeka uye inosimbisa. Ndichiri kusanzwisisa kuti sei vari kutaura nezve 1-1-2019 neiyo yekubhadhara mutero kiredhiti ichiri kubviswa kwemakore akati wandei. Asi zvakare zvinoita sekunge SCB nefoni yemutero havazive zvavari kutaura nezvazvo !!! Zvino ziva kuti ndinowana mari inosvika € 1100. = zvishoma pagore uye ndinofanira kuve nechokwadi chekuti ndine izvo zvekuwedzera paaccount yangu kana vhiza yawedzerwa. Usatame kusvika 1-2-2019, saka imwe yekuwedzera ongororo yemutero haisi nyaya.
Iwe unogona kunge uchiri kukwanisa kusarudza mugari wemutero wemutero we2019.
Izvo zvinochengetedza imwe 1100 euros, kunze kwekunge uine yakawanda yekuchengetedza.
Asi iyo inyaya yekuverenga.
Pandakaenda kune imwe nyika izvo zvakanga zvichiri kuitika, kana izvo zvachinja panguva ino, handingatauri.
Kana iwe uchida kuendesa mari yakawanda kuThailand, ini ndichiri kuzviita muna 2018, kana usina kugara muThailand kwemazuva 180 gore rino.
Gore rino hausati wabhadhariswa mutero muThailand uye saka haugone kupinda mudambudziko rekuti zviremera zvemutero zveThai - nemazvo kana zvisizvo - vanoda kubhadharisa mutero pamari iyoyo.
Kwete, Ruud, hazvina kushanda nenzira iyoyo kwenguva yakareba.
Sezvegore remutero ra2013, une kodzero yekutora nguva-yakaenzana kiredhiti yemutero paunosimuka kana kudzokera kuNetherlands. Wil anotama kubva 1 Kukadzi. Izvi zvinoreva kuti ane kodzero yekushandisa zvikwereti zvemutero zvechikamu che30/360.
Kunze kweizvozvo, maredhi emutero anoshanda kwaari akakwira zvakanyanya kupfuura iyo € 1.100 yawataura. Iwe unongofungidzira kiredhiti yemutero, asi Wil ane kodzero yekubhadhara mutero wemudhara uye kana ndikatarisa kudzikiswa kwemari yaanotarisira, ane kodzero yekukwereta yemutero yemunhu akura mumwechete. Uye wozofanira kuwanza huwandu hwawataura ne2,5.
Pamusoro pezvo, nemhedzisiro kubva mugore remutero ra2015, sarudzo yekubatwa semuteresi anogara yakapera.
Mhinduro yako yechipiri inoruramiswa zvachose (uye inobatsira kwazvo!). Uye kana iwe saka usingafanire kupa mari yako yese muna 2019 kuThailand muna 2019, saka hauna chikwereti chePIT pane izvi. Uye kana iwe ukaitawo izvozvo mumakore anotevera, izvi zvinogona kutungamira kune yakanaka mutero kuchengetedza.
Mhoro Ruud, Mubvunzo nezve yako yekupedzisira kutaura. Changa chiri chinangwa changu muna Kukadzi 2019 kuendesa €8500.= kuThai bank account yandinobva ndavhura ipapo. Unoziva here kuti mutero uyu uchavei? Pamwe nditumire mari iyoyo kushamwari yangu, yozondidzorera pave paya. Kana kuunza mari kuti udzivise mutero?
Kwaziwai, Wil
Hi Kuda,
Nezvemutero wemutero muThailand, zvinoenderana, sezvakangoita muNetherlands, pahuwandu hwemari yako yemutero. Iyo Thai tax system ine 8 mabhuraketi. Iwe unotanga wasarudza mari yako yegore negore. Ndokumbira utarise kuti yako yeAOW inobhadhariswa mutero muThailand (kunyangwe ndiine fungidziro yekuti vanhu vazhinji veDutch havatauri mabhenefiti avo eAOW, asi vanoganhurira izvi kupenjeni yekambani yavo).
Iwe wobva wadzikisa mari yako yegore negore ne50%, kusvika pakukwirira kwe100.000 THB. Wobva wabvisa huwandu hwe60.000 THB yekubvisa wega (ini ndinofungidzira kuti uri munhu mumwechete). Izvo zvino zvasara imari yako yemutero, sezvandinotarisira kuti haukodzere kumwe kudzikiswa.
Iyo PIT inobva yave pamusoro pekutanga 150.000 THB 0%, kusvika 300.000 THB 5%, kusvika 500.000 THB 10%, kusvika 750.000 THB 15%, kusvika 1.000.000 THB kusvika 20%, 2.000.000% 25 5.000.000% THB uye pamusoro pe30% (yakagara ichiverengerwa pane yakawandisa yebracket yapfuura, hongu)
Rombo rakanaka nemasvomhu.
Lammert, ndinotenda kuti kune imwezve kuregererwa kwe64 thb ye190.000+ uye/kana akaremara. Yakanga ichiripo mumakore angu ekupedzisira muThailand.
Wobva waverenga iyo max 100.000 yekubvisa mari, makumi matanhatu ekuregererwa kwemunhu, 60.000 yechembere uye 190.000 zero percent bracket uye unosvika pahafu yemiriyoni baht pasina mutero. Pamutengo wekuchinjana makumi matatu nemanomwe, ndiwo 150.000 euros pamwedzi.
Zvaunotaura nezvemudyandigere wehurumende zvinofadza; Mukuona kwangu wakarurama, asi Heerlen akandizivisa kuti mutemo wenyika chete unoshanda kuAOW. Ndine tsamba iyoyo kubva kumushandi wehurumende (Mr A, nekuda kwekukwana). Pakatove neruzha mune ino blog kuti zviremera zvemitero zveThai zvaidawo kubhadharisa mutero wehurumende uye ndiri kuda kuziva kuti nyaya yekupokana uye yekubvunzana ichabuda sei.
Zvichida rimwe zuva pachava nechibvumirano chitsva = chiri nani kuitira kuti tibvise hurukuro iyi. Chibvumirano ichi kubva muna 1975 chasakara zvikuru. Uye zvino sezvo Mutungamiriri Mukuru abvumidzwa kupinda muEU, Thailand inogona 'kubvumidzwa' zvakare uye NL inogona kutangazve nhaurirano dzakaputsika.
Kwete, Erik, ndinonzwa uye kuverenga izvi kazhinji, asi hazvishande nenzira iyoyo. Iko hakuna kumwe kuderedzwa kune mumwe ane makore makumi matanhatu nemashanu kana kupfuura kana munhu akaremara 65 baht.
Mutemo wemutero weThai une chirevo chekuti semunhu ane makore makumi matanhatu nemashanu kana akaremara ane mari inobhadhariswa inosvika 65 THB, haubhadhare PIT. Iwe unogona kufunga nezve izvi sekutambanudza chikamu chekutanga kubva pa190.000 THB kusvika 150.000 THB. Asi izvo zvakasiyana nekudzikisira kwakajairwa, zvisinei nehuwandu hwemari yako yemutero. Kana iwe uine mari inobhadhariswa ye190.000 THB, iwe unokwereta mutero pa190.100 THB.
Nekuda kweNetherlands, mutemo wenyika unoshanda kune iyo AOW inobatsira. Izvi zvinokonzerwa nekuti Chibvumirano chakapedzwa neThailand hachina chero gadziriro ine chekuita nekuchengetedzwa kwevanhu, uye haina chinonzi "chinyorwa chakasaririra". Asi izvo zvinoshanda kuNetherlands zvinoshandawo kuThailand. Sechikamu chemari yako yepasirese, Thailand inogona zvakare kubhadharisa pane izvi. Mushure mezvose, mutero wepenjeni yehurumende hauna kugoverwa kune imwe yenyika mbiri nechibvumirano.
Ini nguva pfupi yadarika ndakave nekubatana kwakawanda neimwe yemafemu makuru ekubvunza mutero muThailand nezve izvi.
Wadiwa Kuda,
Zviise pabvunzo uye fonera mutero runhare kashanu nemubvunzo mumwechete. Iwe uchagamuchira mhinduro 5 dzakasiyana uye kana ukasarudza mhinduro yakakunakira iwe, inspector achaziva mhinduro yechitanhatu paunenge uchigadzirisa chiziviso chako (iyo inowanzova iyo yega chaiyo).
Uchiri kufanira kutama. Izvi zvinoreva kuti kurasikirwa kwemari maererano nekubatsirikana kwako kweAOW zvakare kwakaderera pane iyo € 1.100 yawataura. Mushure mezvose, kwauri, pamusoro pemipiro yenyika yeinishuwarenzi, mupiro unoenderana nemari kuHealthcare Insurance Act uchaperawo. Kurasikirwa kwako kwekupedzisira kwemuhoro kunenge kuri €480 (inenge €40 pamwedzi).
PLETA ONA: iwe zvechokwadi hausisiri pasi peHealth Insurance Act, zvinoreva kuti iwe unofanirwa kuita gadziriro yekubhadhara mari yekurapa muThailand. Asi ndinofungidzira kuti unozviziva.
Nei ichi chigadziriso chemutemo kubva 1 Ndira unotevera, nepo mutero wekugara muThailand watopera kubva 2015? Gore rega rega, iyo Tax and Customs Administration inowana huwandu hukuru hwenyaya umo zvikwereti zvemutero zvakashandiswa pasina kodzero. Saka zvakaziviswa muChirongwa cheMutero cha2019, pasina kutaura chero murume nebhiza (kureva SVB), kuti zvikwereti zvemutero hazvichabviswe pamutero wemuhoro kana uchigara kunze kwenyika.
Nechiyero ichi chakaratidza kuve chakakosha, iyo SVB inoiswa zvakanaka pakuratidzira (kana ivo vachinzwisisa kumashure kwechiyero ichi, asi chandine musoro wakaoma nezvazvo).
Mutero wemutero unonyangarika - kana uchigara kunze kwenyika- chete mumutero wemuhoro; ongororo yekuti unekodzero here kuti iitwe panguva yekuongorora. Asi kana uchigara muThailand, hauna kodzero yechikwereti chemutero uye zvave kubvira 1-1-2015.
Kana iwe wakagamuchira kiredhiti yemutero pamudyandigere wako wepamwedzi wehurumende mumakore 2015 kusvika 2018 uye uchigara muThailand, unofanira kufunga nezvekubhadhara pachiyero chauchagamuchira.
Kuti uwane rumwe ruzivo, ndinokuendesa kumibvunzo yakambobvunzwa pano uye mhinduro kwavari. Ndinoshamisika, Wil, kuti ungadaidza SVB. Iwe unofanirwa kuenda kuhofisi yemutero Heerlen kana runhare rwemutero.