Kusukela ngo-2026 kuya phambili, i- Indlela i-Tax Agency eqapha ngayo amakhadi esikweletu, i-Bizum, nama-akhawunti asebhange izoshintsha ngokuphelele.I-Ejensi Yentela izokwethula uhlelo lolwazi lwezezimali olunemininingwane eminingi, oluzoba nomthelela omkhulu kulo abasebenzi abazisebenzayo kanye nezinkampani futhi, ngokwezinga elincane, izakhamuzi ezivamile.
Imodeli entsha igxile ku- izinkokhelo zedijithali kanye nomsebenzi wezomnotho ngemuva kwazoUmkhawulo oyingqopha-mlando wama-euro angu-3.000 uyanyamalala, esikhundleni sawo wuhlelo lokwabelana ngedatha ngobuningi nangezikhathi ezithile ngamabhange nezikhungo zokukhokha, oluqhutshwa I-Royal Decree 253/2025 kanye nokuguqulwa Kwemithetho Yokuhlolwa Kwentela.
Sala kahle emkhawulweni wama-€3.000: konke okwenziwayo kuyabalulekile
Kuze kube manje, izikhungo zezezimali bezidingeka kuphela ukuthi zibike imisebenzi ethile efanele ku-Ejensi Yentela, ikakhulukazi izinkokhelo zekhadi ezingaphezu kuka-3.000 eurosLowo mngcele uyanyamalala: kusukela ngoJanuwari 2026, Yonke inkokhelo yekhadi ehlobene nomsebenzi wezomnotho kufanele ibikwe, kungakhathaliseki ukuthi yimalini..
Ukususwa kwalo mkhawulo kuphendulwa inhloso ye ukuvimbela ukuthengiselana kwamabhizinisi amancane ukuthi angangeni ngaphansi kwe-radarAmabhizinisi amaningi nezingcweti zazivame ukuhlukanisa izinkokhelo noma ukusebenza ngamanani amancane okuthi, nakuba ayevamile, angaveli emibikweni etholwe iziphathimandla zentela. Ngesistimu entsha, ukhiye akuselona inani ngalinye lenkokhelo ngayinye, kodwa kunalokho inani eliphelele lemisebenzi eyenziwa inyanga ngayinye.
Lesi sibopho esisha sokubika sisebenza ku Amakhadi aphathekayo, amakhadi abonakalayo, izinkokhelo zedebithi, isikweletu nemali kagesiNgaphezu kwalokho, ezinye izindlela zokukhokha ngedijithali zithathwa njengezilingana nalezi zinhlelo, ukuze Izikhungo zokukhokha nabahlinzeki bemali be-elekthronikhi nabo kuzodingeka ukuthi babike amakhredithi nezindleko ezihlobene nemikhiqizo yabo..
Empeleni, ukuthengiselana obekungabonwanga nhlobo ngaphambili—njengokukhokha ama-euro angama-50, 200 noma angama-500 endaweni yokugcina ye-POS noma ngomakhalekhukhwini— Azoba yingxenye yemibiko yezikhathi ezithile amabhange ayithumela ku-Ejensi YezintelaLokhu akusho ukuthi ngayinye izohlaziywa ngokuningiliziwe, kodwa izohlanganiswa ku-database enkulu kakhulu.
I-Bizum nezinkokhelo zeselula: kusukela ekusetshenzisweni okungakahleleki kuya ekulawuleni okuhlelekile
I-Bizum nezinye izinsizakalo ezifanayo zenze i-niche enkulu ekuphileni kwansuku zonke kwabantu baseSpain. Izigidi zabasebenzisi sezivele zikhokha ngamaselula abo ezitolo, zihlukanise izindleko nabangane, noma zithumele imali ngokuthepha okumbalwa.Lokhu kwenze lezi zinhlobo zezinkundla zaba ingxenye eyinhloko yesistimu yokukhokha.
Leyo mpumelelo isiholele ekutheni uMnyango weziMali uguqule indlela osebenza ngayo. Kusukela ngo-2026 kuya phambili, I-Bizum izohlanganiswa ngokugcwele ohlelweni olusemthethweni lolwaziIzinkokhelo kuze kube manje ebezibonakala "zingekho emthethweni" noma zingabonakali kakhulu manje zizophathwa njenganoma iyiphi enye inkokhelo yekhadi ngezinjongo zokuqapha lapho zihlotshaniswa nemisebenzi yobungcweti noma yebhizinisi.
Ngale ndlela, Konke ukudluliselwa okwenziwa nge-Bizum okuhambisana nomsebenzi wezomnotho kufanele kubikwe nyanga zonke.Okufanayo kuzosebenza ezinkokhelweni eziphathwa ngezinhlelo zokusebenza zezezimali nama-neobanks afana ne-Revolut, Wise noma i-N26, inqobo nje uma esebenza njengezindlela zokukhokha zabazimele namabhizinisi.
Endabeni yokukhokha phakathi kwabantu ngabanye, ukwelashwa kuhlukile: Izinkokhelo ze-Bizum eziyimfihlo kanye nokudluliselwa komuntu siqu akufakiwe emibikweni yobungcweti., ngaphandle uma amaphethini aqondene nomsebenzi wezomnotho noma eminye imisebenzi engaphansi kwentela ekhonjwa, njengeminikelo eboshwe ngamaketango.
I-Ejensi Yentela ayihlosile ukuqapha ukuthunyelwa ngakunye okwenziwe khokhela isidlo sakusihlwa, wabelane ngesipho, noma khokhela ama-akhawunti nabangani.Kugxilwe ekusetshenzisweni okuphindelelayo, kwenani elibalulekile, noma ngokubonakala okucacile kwebhizinisi elifihliwe: ukuqashwa okungadalulwanga, izinsizakalo eziqhubekayo, ukuthengisa okuvamile, noma imisebenzi yobungcweti engabhalisiwe.
Ukuqapha kwanyanga zonke: yimaphi amabhange nezikhungo zokukhokha okufanele zibike
Olunye lwezinguquko ezifanele kakhulu yi- izikhathi eziningi amabhange azothumela ngazo ulwazi eHhovisi LentelaOkwakukade kwaziswa kanye ngonyaka manje sekuzokwenziwa njalo ngenyanga, okudala ukugeleza okuqhubekayo kwedatha yezezimali ngomsebenzi wabantu abazisebenzayo kanye nezinkampani.
Kusukela ngo-February 2026, amabhizinisi kuyodingeka athumele ku-Ejensi Yentela iqoqo lokuqala lanyanga zonke elinedatha ehambisana noJanuwariKusukela ngaleso sikhathi kuqhubeke, uhlelo luzozinza: inyanga ngayinye izinkokhelo ezitholwa ngamakhadi nangezinhlelo zokukhokha zamaselula ezihambisana namabhizinisi zizokwaziswa.
Kulokhu okuthunyelwe ngezikhathi ezithile, amabhange nabahlinzeki besevisi yokukhokha kuzodingeka banikeze imininingwane efana nale umazisi womamukeli, inombolo yomthengisi, amatheminali asetshenzisiwe, inani lamanani akhokhiswayo, nama-akhawunti asebhange ahilelekileLokhu kuzonikeza iziphathimandla zentela "isifinyezo" esinembile sokuthi abantu abazisebenzelayo nezinkampani bayithola kanjani imali.
Ngaphezu kohlobo lwanyanga zonke lwale mibiko, ukuguqulwa kwethula okunye amamodeli olwazi oluthile ukuze ahlele ukuhamba kwedathaPhakathi kwabo, imodeli ivelele. 170, nyanga zonke, lapho amabhizinisi azoxhumana khona ngemali engenayo etholwe ngekhadi noma nge-Bizum ngochwepheshe nosomabhizinisi.
Lolu hlelo luzovumela uMnyango Wezezimali ukweqa ngokushesha amanani amenyezelwe i-VAT, intela yeholo lomuntu siqu kanye nezinye izintela ngokuthengiselana kwangempela okudlula kuma-akhawunti namatheminali okukhokha.Uma izibalo zingahlangani noma kunomehluko omkhulu, i-Tax Agency izokwazi ukuqalisa amasheke ngokushesha kakhulu kunasesistimu yangaphambilini.
Amamodeli olwazi olusha nokulungiswa kwabantu abazisebenzayo
Ukuqinisa ukulawula kwedijithali akusekelwe kuphela kudatha eyengeziwe, kodwa futhi Amafomu amasha nezibopho zokubika ezithinta ikakhulukazi abazisebenzayoUkuze kudluliselwe ulwazi, uMnyango Wezezimali uchaze amamodeli amane ayinhloko axhuma lokho izinhlangano zezezimali ezikumemezelayo nalokho okumenyezelwa abakhokhi bentela.
Ngakolunye uhlangothi, lokhu okukhulunywe ngakho ngenhla imodeli 170 Lokhu kuzoba yisisekelo sanyanga zonke amabhange azobika ngaso imali engenayo ekhiqizwe yi-Bizum nekhadi ezixhumene nemisebenzi yezomnotho. Eceleni kwayo, okulandelayo kuyadalwa noma kuqiniswe imodeli 174, yonyaka, okuhloswe ngayo ukuqoqa ukuthengiselana kwekhadi ngevolumu yonyaka engaphezu kwama-euro angama-25.000ukugxila ezindleleni zokukhokha ezisetshenziswa kakhulu.
Ngaphezu kwalokho, i- imodeli 181, ukuthi Iqoqa ulwazi lwemali mboleko kanye nokuthengiselana kwezindlu ezithengiswayofuthi i imodeli 196okuzodinga ukulethwa kwanyanga zonke kwe idatha yokuvulwa kwama-akhawunti asebhange futhi, ngonyaka, ibhalansi efanele kakhulu kanye nokunyakaza kwakho.
Kwabazisebenzayo, lokhu kuzohumushela isidingo sokuthi ube namaqoqo akho ahlelwe kahle kakhulu futhi inkokhelo yakho ye-elekthronikhiInkokhelo ngayinye etholwe nge-Bizum noma ngekhadi kufanele isekelwe yi-invoyisi esho igama noma igama lenkampani yeklayenti, i-NIF yalo (inombolo kamazisi yentela), umqondo wesevisi noma umkhiqizo, i-VAT esebenzayo kanye, lapho kufanele, i-IRPF (intela yomuntu siqu) yokubamba.
La manani, nawo, kufanele aboniswe ngendlela efanele ku- amafomu e-VAT njalo ngekota (303) kanye nezinkokhelo zesitolimende zentela yomuntu siqu (130)kanye nasezifinyezweni zonyaka ezihambisanayo (amafomu 390 kanye ne-100, phakathi kwamanye). Ukuntuleka kokuvumelana phakathi kwalokho okushiwo amabhange nalokho okushiwo uchwepheshe kungase kuholele ekubuzeni nasekujezisweni.
Ukwenyuswa kokuqapha kwama-akhawunti asebhange namakhadi
Nakuba umnyombo woshintsho ugxile emisebenzini yezomnotho, Abantu ngabanye futhi bayathinteka yisakhiwo esisha sokubika ngezezimaliAkukhona mayelana nokuqapha okuphelele kwakho konke okwenziwa nsuku zonke, kodwa kunalokho ukubonakala okukhulu kuma-akhawunti namakhadi emisebenzi ephezulu.
Kusukela ngoFebhuwari 2026, izikhungo zamabhange kuzodingeka ukuthi Bika wonke ama-akhawunti avulwe e-Spain Ehhovisi Lentela nyanga zonke.Lokhu kusebenza kokubili abantu ngabanye kanye namabhizinisi. Kungakhathaliseki ukuthi ama-akhawunti okuhlola, okonga, esikweletu, noma okukhokha, i-Tax Agency izothola uhlu olubuyekeziwe lwama-akhawunti amasha nokuvalwa.
Mayelana nokuthengiselana ngamakhadi ezakhamuzi, uhlelo luzohluka kulolo lwabazisebenzayo kanye nezinkampani. UMnyango Wezezimali uzothola umbiko wonyaka nazo zonke izinkokhiso, amakhredithi, izaphulelo, ukukhishwa kwemali kanye nezinkokhelo eyenziwe ngamakhadi omkhokhintela ngamunye.
Nokho, lesi sibopho sizosebenza kuphela lapho inani eliphelele lemisebenzi yaminyaka yonke—okwengeza imali engenayo nezindleko—lidlula ama-euro angu-25.000Umqondo uwukugxilisa izinsiza kumakhadi anezinga eliphezulu kakhulu lokusetshenziswa kwezomnotho, ukugwema ukusuthisa uhlelo ngamakhadi okusetshenziswa okulinganiselwe kakhulu noma okukhethekile ekhaya.
Idatha yokuqala ngaphansi kwalolu hlelo izofinyelela ku-Ejensi Yentela ekuqaleni kuka-2027...lapho amabhange ehambisa ulwazi oluhambisana nemisebenzi yawo wonke unyaka wezimali ka-2026. Kusukela lapho kuqhubeke, kuba nokwenzeka ukuqhathanisa izinga lokuphila eliboniswa amakhadi ne imali engenayo umkhokhintela ngamunye ayishoyo embukweni wakhe wentela yeholo.
Iminikelo, usizo lomndeni kanye nokudluliselwa phakathi kwabangane: lokho iHhovisi Lentela elikubukayo
Omunye wemibuzo emikhulu abasebenzisi abaningi abanayo uhlobene ne usizo oluncane lwezezimali phakathi komndeni noma abanganiUkuthumela imali enganeni efunda phesheya, ukondla ilungu lomndeni ngezindleko ezingalindelekile, noma ukwabelana ngezindleko nge-Bizum kuzohlala kungenzeka njengangaphambili: imithetho ayibeki imingcele yobuchwepheshe kulokhu kusebenza.
Yiziphi izinguquko ezikhona ukuthi, ukuhlanganiswa ohlelweni olubanzi lolwazi, Lokhu kunyakaza kungatholwa uma kuvame ukuphindwa, kufinyelela amanani abalulekile, noma ukwethula iphethini engahambisani nokusetshenziswa komuntu siqu.Ikakhulukazi, iminikelo yohlobo oluthile ingaphansi Kwefa Nentela Yesipho.
Ngokombono wentela, Ukunikela akukho emthethweni; okungadala izinkinga ukungakumemezeli.Imithetho ibeka ukuthi iminikelo kufanele ifakwe esimemezelweni esihambisanayo, nakuba emiphakathini eminingi ezimele kunekhefu elibalulekile lentela lamalungu omndeni aqondile okwehlisa ngempumelelo isikweletu sentela sibe iqanda.
Iziphathimandla zentela zinganaka ngokukhethekile amacala lapho Umuntu njalo uthola imali engenayo nge-Bizum noma ukudluliselwa okungafani nephrofayili yakhe yeholo eshiwo.Uma umkhokhi wentela engakwazi ukuthethelela ngendlela egculisayo umsuka walezi zimali, abaphathi bangazihlukanisa njengeminikelo engashiwongo noma njengemali engenayo etholakala kumsebenzi wezomnotho ofihliwe.
Inhloso eshiwo yezinguquko akukhona ukulawula ukuthi othile uyawakhokhela yini amathikithi e-movie umngane wakho noma ukuthi imali ebolekiwe ibuyiselwa ngesikhathi, kodwa. thola imisebenzi ehlelekile kanye nemali engenayo engakhokhiswa intela ngokufaneleNgokwandisa ukuhamba kwedatha, i-Tax Agency ihlose ukuthola amaphethini angaqondakali kalula.
Izinkokhelo zedijithali ezingeni lokudayisa: yiluphi ulwazi oluzofinyelela kuMgcinimafa
Ngohlelo olusha, i-Tax Agency izofinyelela umthamo ongakaze ubonwe wolwazi lwezezimali, ikakhulukazi mayelana izinkokhelo ze-elekthronikhi ezixhunywe kumaselula namatheminali aphathekayoImibiko ethunyelwe amabhange nezikhungo zokukhokha kumele ihlanganise izinhlobo ezahlukene zokuthengiselana.
Endabeni yezindleko ezihambisana nezinkampani kanye nabazisebenzayo, imibiko yanyanga zonke izofaka Konke ukuthengiselana kwekhadi noma kwe-Bizum ngaphandle kwanoma yimuphi umkhawulo omncaneNgaphezu kwalokho, kukhona okunye okwenziwayo okuxhunywe kumadivayisi eselula, njengama-top-ups athile noma ukukhishwa kwemali okuxhunyaniswe nezinhlelo zokusebenza zokukhokha.
Izakhamizi kufanele zazi ukuthi, ngokujwayelekile, Amabhange azodlulisela ulwazi kuMgcinimafa mayelana namaqoqo, izinkokhelo, izinkokhiso ezihambisana nezinsizakalo, ukugcwaliseka kwangaphakathi phakathi kwemikhiqizo nokudonswa kwemali okwenziwa ngomakhalekhukhwini.Esimweni sobuchwepheshe, noma iyiphi imali engenayo izokhiqiza umkhondo abaphathi bomphakathi abangawusebenzisa ukuze baqinisekise ulwazi lwentela.
Emakhadini omuntu siqu, lapho edlula umkhawulo wama-euro angama-25.000 ekwenziweni konyaka, imininingwane ethunyelwe izobandakanya Uhlu lwezinkokhelo, izinkokhiso, okuthengiwe, ama-top-ups kanye nokukhipha imaliLokhu kubuka komhlaba wonke kusiza ukwakha isithombe sezinga lokusebenzisa imali lomkhokhintela ngamunye.
Ukuqiniswa kolwazi nakho kudlulela ku- ama-akhawunti asebhange ngokwawoNgefomu 196, izikhungo zezezimali kufanele zibike ngokuvulwa kwama-akhawunti amasha nyanga zonke futhi, kanye ngonyaka, zinikeze imininingwane ngamabhalansi kanye nokuthengiselana okuthile. Lokhu kuqinisa amandla e-Ejensi Yezentela ukulandelela imali ngaphakathi kohlelo lwezezimali.
Umthelela osebenzayo kuma-freelancers, izinkampani kanye nabaxhumanisi
Ngokwezinto ezibonakalayo, izinguquko zisho a ukwanda okucacile kwengcindezi yokulawula ochwepheshe abakhokhelwa ngekhadi, i-Bizum, noma ezinye izindlela zedijithali. I-Ejensi Yezintela ngeke isancika kakhulu ezimemezelweni zokuzithandela; izoba nedatha yangaphandle ebanzi kakhulu ukuze iqhathaniswe.
Elinye lamaqembu aqashwe ngeso lokhozi kuzoba lelo abantu abazisebenzayo abasebenzisa i-Bizum njengendlela yabo evamile yokukhokhaImikhakha efana nezitolo, ezokwamukela izihambi noma izinsizakalo zomuntu siqu (izifundo zangasese, ukulungisa, ukunakekelwa…) ifake lezi zindlela njengenye indlela esikhundleni semali, into manje ehlanganiswe ngokugcwele nesekethe yokuqondisa.
Abeluleki bentela batusa kakhulu hlukanisa ngokucacile i-akhawunti yomsebenzi ku-akhawunti yomuntu siquUkuxuba izinkokhelo zekhasimende nemisebenzi yangasese ku-akhawunti efanayo noma i-Bizum efanayo kungadala ukudideka futhi kwenze kube nzima ukuthethelela uma kwenzeka kubalwa, njengoba ukudluliswa ngakunye okuxhumene nomsebenzi kufanele kubonakale.
Ngomthamo wedatha uMnyango Wezezimali ozowamukela, kubonakala lokho Khulisa inani lamasheke nezimfuneko ngokusekelwe kumehluko phakathi kwalokho okubonakala kuma-akhawunti nalokho okushiwo kumafomu entelaOchwepheshe abangagcini irekhodi elihlelekile bazokuthola kunzima kakhulu ukufakazela isimo sabo.
Ngesikhathi esifanayo, uguquko luphoqa izikhungo zezezimali ukuthi ukucubungula nokuthumela inani elikhulu lolwazi ngokuqhubekayookungase kubandakanye ukulungiswa kwangaphakathi ezinhlelweni zabo zobuchwepheshe kanye nezinqubo zokuthobela imithetho.
Ushintsho oluklanyelwe ukulwa nokukhwabanisa kwentela yedijithali
Ukwandiswa okukhulu kwezinkokhelo ze-elekthronikhi kwehlise ukusetshenziswa kwemali endimeni yesibili. ESpain, Ukukhokha ngekhadi, iselula noma iwashi sekuyinsakavukelaLokhu kwenzeka ezitolo ezinkulu nasemabhizinisini amancane. Izingxenyekazi ezifana ne-Bizum ziqinise lo mkhuba, zenza kube lula ukudluliselwa phakathi kwama-akhawunti.
Lokhu kushintsha kwemikhuba kuphoqe uHulumeni ukuthi ubuyekeza imithetho yokulawula intela ibe sesimweni sedijithali kanye Imithetho emisha ye-e-commerce eYurophuI-Royal Decree egunyazwe ngo-April 1 ivumelanisa Imithetho Yokuhlolwa Kwentela esimweni lapho cishe yonke imisebenzi ishiya umkhondo futhi ingahlaziywa ngokuzenzakalelayo.
Ngedatha yanyanga zonke evela kumakhadi, i-Bizum nama-akhawunti, i-Tax Agency izoba ne- imephu egcwele kakhulu futhi esesikhathini samanje yokuhamba kwemaliInhlosongqangi ukuqinisa ukulwa nokukhwabanisa, ukuthola imisebenzi engakamenyezelwa, kanye nokunciphisa indawo yokuthi ingxenye yomnotho ihlale isethunzini.
Akukho ukushoda kwamazwi abalulekile axwayisayo mayelana nomthelela walezi zinyathelo kubumfihlo. Ngokufinyelela ku izinkulungwane zemisebenzi emincane, eminingi enokubaluleka okuncane kwezomnothoUhulumeni angathola ulwazi olunembile mayelana nendlela umuntu asebenzisa ngayo imali. Abanye ochwepheshe besaba ukuthi leli zinga lemininingwane lingabhekwa njengokugxambukela ngokweqile empilweni yangasese.
Ngakolunye uhlangothi, uHulumeni uthi lolu hlelo lubeka eqhulwini amanani aphezulu okwenziwayo kanye nalawo axhumene nemisebenzi yezomnothokanye nokuthi ukwanda obala kuzofaka isandla ekuqoqweni kwentela ngendlela efanele kanye nenkundla yokudlala phakathi kwalabo abathobela izibopho zabo zentela nalabo abangazithobeli.
Imithethonqubo emisha idweba isithombe sokuthi Izinkokhelo zedijithali, amakhadi, ne-Bizum kuzocutshungulwa kakhudlwana.Ikakhulukazi uma zisetshenziselwa ukukhiqiza imali. Emabhizinisini, abantu abazisebenzayo, kanye nabantu ngabanye, kuzoba okubaluleke nakakhulu ukuqinisekisa ukuthi lokho okudlula kuma-akhawunti abo namadivayisi kufana nalokho abakumemezelayo kuziphathimandla zentela, ngoba umkhawulo wokuthi lowo mehluko unganakiwe uzoba mncane kakhulu.
