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The VAT deduction is one of the most common headaches for entrepreneurs and freelancers . Every three months, the VAT that we have collected through our sales of products or services must be presented to the Treasury through form 303. If during that period we have had expenses in which we have paid VAT, either for the purchase of products or the acquisition of services, we can subtract it from the total to be paid.
However, this is not so simple since not all expenses are deductible, so we have to take into account the allowed operations, as well as the VAT percentage that we can deduct in some cases. We are going to see all this little by little with some examples so that you can understand it perfectly once and for all.
Definitions of the different terms referring to VAT
To better understand what we are going to explain next, it is essential that you first know the technical terms that are normally used in this area. Don’t worry because you will understand it easily. These are the three “VAT rates” that we want you to know before explaining how the VAT deduction works:
- Output VAT : every time a freelancer or company sells their products or services, they include the corresponding VAT on their invoice (with exceptions). Every quarter we must pay all this VAT, denominated as passed on.
- Supported VAT : it is the VAT you pay for the purchase of material or the acquisition of services. However, not all input VAT is directly deductible, as there is a clear regulation of what can and cannot be deducted.
- Deductible VAT : it is the VAT that we can deduct from the total output VAT. This VAT comes from the expenses that you have had and that can be deducted according to the tax regulations.
Therefore, the formula for the VAT to be paid each quarter could be something like:
VAT TO PAY = VAT ACCOUNTED – VAT DEDUCTIBLE
How is the deductible VAT calculated? Well, it is very simple, we just have to add the VAT of the expenses that are related to our professional activity. To do this, we must know what the deductible VAT requirements are.
VAT deductible requirements
According to current law, all expenses that are directly and exclusively related to professional activity are considered deductible VAT . That is, if you buy a phone that you will use exclusively for work, you can deduct it. However, if the phone is for personal use, you will not be able to deduct it.
There are certain categories of products and services that are excluded from the VAT deduction:
- Jewelry, precious stones or the like.
- Food, tobacco and beverages.
- Recreational services or shows.
- Goods or services intended for clients, workers or third parties.
- In addition, all expenses destined for the private sphere are excluded, those that are not part of the official accounting or professional patrimony.
Here you have to make a small note regarding professionals who work from home. In this case, if part of personal expenses is considered deductible VAT but which are produced by business activity. For example, you can deduct up to 30% of the VAT on your supplies, since this expense is produced by the business activity you carry out at home.…
Requesting a second mortgage or extending the one you are already paying are two ways to finance different life projects or complex financial situations. Sometimes we use these two terms synonymously, but they really are totally different options with different goals.
Next, we are going to tell you what the differences are between requesting an extension of the first mortgage or requesting a second one, so that you can choose the best financial decision for your pocket.
When should we ask for a second mortgage?
Applying for a second mortgage may seem strange or risky, but it is common for those who can afford it . When we talk about a second mortgage, it is because you are currently paying a first mortgage, mainly intended for a home considered as a first residence.
Therefore, a second mortgage is a new loan that has nothing to do with your first mortgage and that has new conditions in terms of interest , terms or amount. This loan is used to buy a second home , usually they are houses on the beach or rural, which are used during vacations or weekends in order to escape a little from the stress of the city.
If your financial health is good, it is not at all a bad idea to take out a second mortgage to buy a second home . Of course, you should know that the demands to be granted it are much higher. Surely you can only finance between 60 and 75% of the total cost, you will have shorter terms and higher interest rates.
In short, it is not only an investment for your current use and enjoyment, but also a possible way to get a return on your savings in the near future.
First mortgage extension When can it be requested?
If you have financial problems, want to make a reform in your home or need money to open a business, then extending a mortgage may be a good option. To do this, we must obviously have a loan with the bank that corresponds to the purchase of your main home , where you usually reside.
To extend the mortgage, you must tell the bank the purpose of this decision. This will study your possibilities and inform you if it is possible or not. The money that you will obtain will be added to the loan that you already have pending under the same conditions. However, you will not pay a higher installment, but you will have two installments, the usual one and the one for the mortgage extension.
This financial operation is called novation and is a good option for those who want to clean up their economy. It is also possible to extend the terms of our mortgage in order to pay less each month and thus be able to be more comfortable.
On some occasions, you can also request a mortgage extension to buy a second home . This usually happens for two reasons: either you have good savings but you have a little more time to buy this second home, or they do not grant us a second mortgage and we must go to the extension of the first one.
Apply for a second mortgage or extend the loan of the first?
To make the right decision, you must analyze your financial situation very well and study the most favorable option according to your objectives. Each case is a world, so both options can be valid for you. Our advice is that you study in depth the different existing routes and choose the one that best suits your needs. If you are still not able to solve doubts, then you can consult one of our experts which is the best option for you.…