{"id":49035,"date":"2022-01-25T23:00:00","date_gmt":"2022-01-25T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=49035"},"modified":"2022-01-24T01:58:12","modified_gmt":"2022-01-24T01:58:12","slug":"planejamento-financeiro-ipva-e-iptu","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/planejamento-financeiro-ipva-e-iptu\/","title":{"rendered":"Planificarea financiar\u0103 a IPVA \u0219i IPTU"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>IPVA \u0219i IPTU: cum s\u0103 planifica\u021bi \u0219i s\u0103 pl\u0103ti\u021bi impozitele \u00een siguran\u021b\u0103<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Afinal, como se planejar para pagar IPVA e IPTU sem gerar transtorno e d\u00edvidas? Fonte: Pixabay.\"  id=\"49040\" src=\"https:\/\/cdn.adtechpanda.com\/3647f267-af81-4532-9511-64283d4f9555\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >La urma urmei, cum po\u021bi pl\u0103nui s\u0103 pl\u0103te\u0219ti IPVA \u0219i IPTU f\u0103r\u0103 a cauza nepl\u0103ceri \u0219i datorii? Sursa: Pixabay.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A sosit \u00eenceputul anului \u0219i odat\u0103 cu el ni\u0219te facturi care fac parte din via\u021ba de zi cu zi a fiec\u0103rei familii, precum IPVA \u0219i IPTU. Prin urmare, este important s\u0103 v\u0103 face\u021bi via\u021ba mai organizat\u0103, s\u0103 anticipa\u021bi situa\u021bia \u0219i s\u0103 efectua\u021bi o bun\u0103 planificare financiar\u0103 pentru plata IPVA \u0219i IPTU. \u00cen acest fel, va fi posibil\u0103 efectuarea pl\u0103\u021bii taxelor anuale f\u0103r\u0103 complica\u021bii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest sens, nu este nevoie de magie, doar de organizare \u0219i planificare financiar\u0103. Prin urmare, v\u0103 vom oferi sfaturi pentru a v\u0103 preg\u0103ti corect pentru a trece prin IPVA \u0219i IPTU f\u0103r\u0103 a face lucruri nebune\u0219ti.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oricum, de\u0219i este destul de simpl\u0103, o bun\u0103 planificare necesit\u0103 disciplin\u0103 \u0219i autocontrol pentru a evita cheltuielile inutile. \u00cen plus, trebuie s\u0103 avem \u00een vedere c\u0103 rodul unei bune planific\u0103ri este o economie puternic\u0103 \u0219i lini\u0219te financiar\u0103. Adic\u0103 nu te \u00eembog\u0103\u021bi, dar e\u0219ti \u00een siguran\u021b\u0103 s\u0103-\u021bi atingi obiectivele.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nu pleca de acolo \u0219i urmeaz\u0103 sfaturile noastre!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Plata IPVA \u0219i IPTU: planificare financiar\u0103 la \u00eenceputul anului<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Plata IPVA \u0219i IPTU face parte din programul anual de cheltuieli al fiec\u0103rui brazilian. Plata acestor facturi la timp evit\u0103 inconveniente precum dob\u00e2nzile \u0219i amenzile inutile, care vor cre\u0219te doar \u00een fiecare zi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru ambele pl\u0103\u021bi exist\u0103 posibilitatea de rate. Cu toate acestea, este indicat ca acesta s\u0103 fie efectuat la vedere. \u00cen acest fel, cu planificarea financiar\u0103 \u00een avans, acest lucru este posibil. Mai ales c\u0103, atunci c\u00e2nd pl\u0103tim unul dintre aceste taxe \u00een rate \u0219i \u00eent\u00e2rziem sau nu facem pl\u0103\u021bi, dob\u00e2nda curge ca apa una peste alta. Deci, c\u00e2nd ne oprim s\u0103 vedem, datoria este gigantic\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, este foarte important, atunci c\u00e2nd \u00eencepe\u021bi un nou an, s\u0103 efectua\u021bi o bun\u0103 planificare financiar\u0103 \u0219i s\u0103 include\u021bi aceste anumite cheltuieli \u00een el. \u00cen plus, stabilirea modului \u00een care se va face plata acestor taxe ajut\u0103 la a nu genera complica\u021bii ulterior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, dac\u0103 nu sunte\u021bi sigur cum s\u0103 face\u021bi acest lucru, nu v\u0103 face\u021bi griji. V\u0103 vom spune despre planificarea financiar\u0103 a IPVA \u0219i IPTU \u0219i cum pute\u021bi \u00eencepe anul cu piciorul bun \u0219i v\u0103 preg\u0103ti\u021bi s\u0103 pl\u0103ti\u021bi acele taxe f\u0103r\u0103 griji.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar mai \u00eent\u00e2i, \u0219ti\u021bi la ce se refer\u0103 IPTU \u0219i IPVA? Clarifica cu noi.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>IPTU<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>IPTU este Impozitul Urbanistic \u0219i Teritorial perceput anual de prim\u0103rie \u00een contul re\u0219edin\u021belor \u0219i locuin\u021belor pe care le de\u021bine popula\u021bia. Adic\u0103 casele, unit\u0103\u021bile comerciale \u0219i cl\u0103dirile \u00een general trebuie s\u0103 pl\u0103teasc\u0103 o anumit\u0103 sum\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest sens, valoarea nu este fix\u0103, deoarece depinde de multe variabile. Acestea sunt decisive \u00een calcularea sumei care trebuie pl\u0103tit\u0103 de proprietar. Prin urmare, este clar c\u0103 unul dintre aspectele luate \u00een considerare la calcularea IPTU-ului este valoarea propriet\u0103\u021bii \u0219i anul achizi\u021biei. Adic\u0103, cu c\u00e2t casa este mai scump\u0103, cu at\u00e2t valoarea impozitului este mai mare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, proprietarul propriet\u0103\u021bii este, de asemenea, un factor de luat \u00een considerare. Pensionarii, de exemplu, trebuie s\u0103 pl\u0103teasc\u0103 o sum\u0103 mult mai mic\u0103 pe proprietate. Sunt unele cazuri \u00een care oamenii nici m\u0103car nu trebuie s\u0103 pl\u0103teasc\u0103. Cu alte cuvinte, sunt scuti\u021bi.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>IPVA<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"IPVA corresponde ao imposto cobrado sobre a propriedade de ve\u00edculos como carros e motos. Fonte: Pexels.\"  id=\"49041\" src=\"https:\/\/cdn.adtechpanda.com\/35a47c51-a792-451f-af4d-89e315d9384c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >IPVA corespunde impozitului perceput asupra de\u021binerii unor vehicule precum ma\u0219ini \u0219i motociclete. Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>IPVA este ca o copie a IPTU. Cu toate acestea, destinat vehiculelor. Acronimul \u00eenseamn\u0103 c\u0103 se refer\u0103 la \u201eTaxa pe proprietatea autovehiculelor\u201d.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103, IPVA lucreaz\u0103 cu valorile de colectare a taxelor \u00een func\u021bie de valoarea ma\u0219inii, anul de fabrica\u021bie \u0219i alte aspecte care determin\u0103 suma de perceput.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La fel ca IPTU, este taxat anual. \u00cen plus, se poate pl\u0103ti \u0219i \u00een rate sau cash cu reducere. \u00cen ceea ce prive\u0219te excep\u021biile, \u00een fiecare stat exist\u0103 legi \u0219i norme diferite pentru taxa pe vehicule. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103, pot exista vehicule care nu genereaz\u0103 la fel de mult\u0103 colectare \u0219i chiar ma\u0219ini care nu sunt afectate de IPVA. Totu\u0219i, acest lucru va depinde de loc. Pentru a fi mai bine informat, este necesar s\u0103 urma\u021bi legile \u0219i reglement\u0103rile specifice statului dumneavoastr\u0103.\u00a0<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z23twWP\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/renda-extra-online\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 c\u00e2\u0219tigi un venit suplimentar online?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/25fa220e-2e2c-480b-ae53-30a507111b04\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/renda-extra-online\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 c\u00e2\u0219tigi un venit suplimentar online?\">\n            Cum s\u0103 c\u00e2\u0219tigi un venit suplimentar online? 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Asta pentru c\u0103 vrem s\u0103 economisim pentru a ne u\u0219ura salariile \u00een viitor. Deci, nu putem crea datorii \u00een alte domenii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103 trebuie s\u0103 analizezi cheltuielile pe care le ai lunar \u0219i fondurile care au intrat pentru a pl\u0103ti aceste cheltuieli. Deci, pune totul \u00eentr-o foaie de calcul \u0219i ai toate valorile \u00een m\u00e2n\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu aceasta, va fi posibil s\u0103 vede\u021bi cheltuielile pe care trebuie s\u0103 le pl\u0103ti\u021bi \u0219i la care nu pute\u021bi renun\u021ba, cum ar fi, de exemplu, facturile de energie electric\u0103, ap\u0103 \u0219i alimente. Cu toate acestea, pute\u021bi vizualiza \u0219i anumite cheltuieli care pot fi evitate. \u00cen acest fel, este posibil s\u0103 ave\u021bi o viziune asupra a ceea ce este cheltuial\u0103 fix\u0103 \u0219i variabil\u0103, precum \u0219i a ceea ce se poate economisi \u00een cheltuieli de prisos, \u0219i chiar economisit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Efectu\u00e2nd o bun\u0103 planificare financiar\u0103 \u0219i av\u00e2nd controlul asupra cheltuielilor, ve\u021bi putea \u00eencepe anul \u0219i v\u0103 ve\u021bi pl\u0103ti IPTU \u0219i IPVA f\u0103r\u0103 prea multe probleme sau \u00eengrijor\u0103ri.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar iat\u0103, mai r\u0103m\u00e2ne o \u00eendoial\u0103: care este cea mai bun\u0103 modalitate de a pl\u0103ti aceste taxe, \u00een numerar sau \u00een rate? V\u0103 vom ar\u0103ta \u00een continuare.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Plata in numerar sau in rate?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"\u00c0 vista ou parcelado? Entenda como n\u00e3o se enforcar com d\u00edvidas desnecess\u00e1rias. Fonte: Pixabay.\"  id=\"49042\" src=\"https:\/\/cdn.adtechpanda.com\/d6f5b9b2-aa5f-4ebf-9900-6fa3b2e93c9f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cash sau rate? \u00cen\u021belege\u021bi cum s\u0103 nu v\u0103 sp\u00e2nzura\u021bi cu datorii inutile. Sursa: Pixabay.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In ceea ce priveste plata, este destul de de inteles ca multa lume crede ca cea mai buna varianta este sa o faci in rate si sa platesti putin cate putin pentru a nu cheltui multi bani deodata. Cu toate acestea, c\u00e2nd vorbim despre IPTU \u0219i IPVA, acest lucru este gre\u0219it.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Atunci c\u00e2nd se pl\u0103te\u0219te \u00een numerar, \u00een fiecare stat valoarea IPTU \u0219i IPVA are o reducere. Acest procentaj va varia de la 4% la 10%. \u00cen acest fel, atunci c\u00e2nd realiz\u0103m o bun\u0103 planificare financiar\u0103 pentru plata IPTU \u0219i IPVA, putem ajunge la datele de plat\u0103 pentru aceste taxe \u0219i facem plata \u00een numerar. Banii de reducere ar trebui privi\u021bi ca un venit suplimentar. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Din punctul de vedere de mai sus, va fi posibil s\u0103 \u00eencepe\u021bi anul economisind \u00een jur de 10% \u00een sume de taxe. Banii economisi\u021bi pot fi investi\u021bi \u00eentr-un cont de economii. Prin urmare, un sfat bun de la Senhor Panda pentru cei care vor s\u0103 \u00eenceap\u0103 o via\u021b\u0103 de investi\u021bii financiare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mai mult, profit\u00e2nd de faptul c\u0103 vorbim de investi\u021bii, ce zici s\u0103 \u0219tim c\u00e2t de mult R$ 50 mii randament economisesc? 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Dar, este o op\u021biune excelent\u0103? Afl\u0103 mai multe aici!\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/quanto-rende-50-mil-na-poupanca\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Afla\u021bi mai multe mai jos.<\/p>","protected":false},"author":29,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38],"tags":[2555,2556,2553,2554],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Planejamento financeiro IPVA e IPTU - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Realizar um bom planejamento financeiro te auxlia no pagamento de contas anuais, como IPVA e IPTU. 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