{"id":1078,"date":"2021-12-29T16:02:34","date_gmt":"2021-12-29T15:02:34","guid":{"rendered":"https:\/\/www.nyugdijspecialista.hu\/?p=1078"},"modified":"2021-12-29T16:02:34","modified_gmt":"2021-12-29T15:02:34","slug":"hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad","status":"publish","type":"post","link":"https:\/\/digi-web.hu\/nysp\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\/","title":{"rendered":"Hat\u00e1rid\u0151k j\u00e1rnak le p\u00e9nteken"},"content":{"rendered":"<h6 style=\"text-align: left;\"><strong>Hat\u00e1rid\u0151k j\u00e1rnak le p\u00e9nteken, sz\u00e1zezreket bukhat, aki lemarad<\/strong><\/h6>\n<p>T\u00f6bb milli\u00f3 ember sz\u00e1m\u00e1ra j\u00e1r le p\u00e9ntek \u00e9jf\u00e9lkor a hat\u00e1rid\u0151, hogy maximaliz\u00e1lhassa a szem\u00e9lyi j\u00f6vedelemad\u00f3-kedvezm\u00e9ny\u00e9t (szja) a j\u00f6v\u0151 \u00e9vre.<\/p>\n<p>T\u00e1mogat\u00e1st kaphatnak mindazok, akik a megfelel\u0151 int\u00e9zm\u00e9nyekben vagy konstrukci\u00f3kban gondoskodnak a j\u00f6v\u0151j\u00fckr\u0151l, ezek lehetnek \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1rak, \u00f6nk\u00e9ntes eg\u00e9szs\u00e9g- \u00e9s \u00f6nseg\u00e9lyez\u0151 p\u00e9nzt\u00e1rak, t\u00e1mogatott nyugd\u00edjbiztos\u00edt\u00e1sok vagy pedig nyugd\u00edj-el\u0151takar\u00e9koss\u00e1gi sz\u00e1mla (nyesz) konstrukci\u00f3k. T\u00f6megek lehetnek \u00e9rintettek, hiszen a nyugd\u00edjp\u00e9nzt\u00e1raknak \u00e9s az eg\u00e9szs\u00e9gp\u00e9nzt\u00e1raknak is t\u00f6bb mint egymilli\u00f3 tagjuk van,\u00a0<a href=\"https:\/\/www.napi.hu\/magyar-gazdasag\/400-ezer-folott-a-nyugdijbiztositasok-szama-fbamsz-nyugdij-ongondoskodas-adokedvezmeny.740919.html\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">nyugd\u00edjbiztos\u00edt\u00e1ssal<\/a>\u00a0t\u00f6bb mint 400 ezer, nyesz-sz\u00e1ml\u00e1val nem eg\u00e9szen 100 ezren rendelkeznek ma Magyarorsz\u00e1gon.<\/p>\n<p>A december 31-ig be\u00e9rkezett befizet\u00e9sek ut\u00e1n kaphatnak ad\u00f3kedvezm\u00e9nyt a sz\u00e1ml\u00e1k tulajdonosai. Az szja-kedvezm\u00e9ny m\u00e9rt\u00e9ke 20 sz\u00e1zal\u00e9k, \u00e9s a p\u00e9nzt\u00e1rak eset\u00e9ben maximum 150 ezer forint (ha valaki t\u00f6bbf\u00e9le p\u00e9nzt\u00e1rnak is a tagja, akkor is \u00f6sszesen legfeljebb 150 ezer forint ig\u00e9nyelhet\u0151 vissza), a nyugd\u00edjbiztos\u00edt\u00e1sokn\u00e1l 20 sz\u00e1zal\u00e9k, legfeljebb 130 ezer forint az szja-kedvezm\u00e9ny, a nyesz-n\u00e9l pedig 20 sz\u00e1zal\u00e9k, maximum 100 ezer forint. Van m\u00e9g emellett egy olyan megk\u00f6t\u00e9s is, hogy ezek ut\u00e1n a megtakar\u00edt\u00e1sok ut\u00e1n \u00f6sszesen legfeljebb 280 ezer forintnyi ad\u00f3kedvezm\u00e9nyt ad az \u00e1llam.<\/p>\n<p>Ez praktikusan azt jelenti, hogy a p\u00e9nzt\u00e1rakn\u00e1l az id\u00e9n \u00f6sszesen 750 ezer, a nyugd\u00edbiztos\u00edt\u00e1sokn\u00e1l 650 ezer, a nyesz-n\u00e9l pedig 500 ezer forint befizet\u00e9ssel lehet a maxim\u00e1lis szja-kedvezm\u00e9nyt el\u00e9rni. A visszat\u00e9r\u00edt\u00e9s a jogszab\u00e1ly szerint nem k\u00e9szp\u00e9nzben \u00e9rkezik meg, hanem arra a p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyn\u00e9l vezetett sz\u00e1ml\u00e1ra ker\u00fcl, amelyre a p\u00e9nzt\u00e1ri, biztos\u00edt\u00f3i d\u00edjak is \u00e9rkeznek.<\/p>\n<h6><b>Tippek, tr\u00fckk\u00f6k, probl\u00e9m\u00e1k<\/b><\/h6>\n<p>A visszat\u00e9r\u00edt\u00e9s m\u00e9rt\u00e9ke az id\u00e9n ugyanakkor sokakn\u00e1l cs\u00f6kkenhet vagy ak\u00e1r el is veszhet sz\u00e1mukra a lehet\u0151s\u00e9g. Azok a gyereket nevel\u0151 sz\u00fcl\u0151k ugyanis, akik\u00a0jogosultak a 2021.09.30-\u00e1n megjelent korm\u00e1nyrendelet szerinti szja-visszat\u00e9r\u00edt\u00e9sre, \u00e9s akin\u00e9l az ad\u00f3-visszat\u00e9r\u00edt\u00e9s m\u00e9rt\u00e9ke el\u00e9ri az \u00e1ltaluk befizetett \u00e9ves szem\u00e9lyi j\u00f6vedelemad\u00f3 \u00e9rt\u00e9k\u00e9t, nem lesznek jogosult a p\u00e9nzt\u00e1ri, biztos\u00edt\u00f3i vagy nyesz-befizet\u00e9sek ut\u00e1ni ad\u00f3-visszat\u00e9r\u00edt\u00e9sre. Ahhoz, hogy ezek ut\u00e1n a megtakar\u00edt\u00e1sok ut\u00e1n is j\u00e1rjon vissza p\u00e9nz, arra van sz\u00fcks\u00e9g, hogy a szem\u00e9lyi j\u00f6vedelemad\u00f3juk 806 ezer forint f\u00f6l\u00f6tt legyen. S\u0151t, ha csal\u00e1di ad\u00f3kedvezm\u00e9nyt is kaptak az \u00e9v sor\u00e1n, akkor m\u00e9g enn\u00e9l is magasabb szja-befizet\u00e9sre lehet sz\u00fcks\u00e9g ahhoz, hogy az \u00f6ngondoskod\u00e1s ut\u00e1n is maradjon m\u00e9g mib\u0151l ig\u00e9nybe venni a kedvezm\u00e9nyt.<\/p>\n<p>Azoknak viszont, akik tudnak \u00e9lni az ad\u00f3kedvezm\u00e9nnyel, mindenk\u00e9ppen \u00e9rdemes most befizetni a sz\u00e1ml\u00e1jukra. Ehhez nem is mindig kell \u00faj megtakar\u00edt\u00e1s. Az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1rakn\u00e1l ugyanis a jogszab\u00e1ly megengedi, hogy legal\u00e1bb t\u00edz\u00e9ves tags\u00e1g ut\u00e1n a tagok ad\u00f3- \u00e9s j\u00e1rul\u00e9kmentesen felvehess\u00e9k az \u00f6sszegy\u0171lt hozamot. Erre a t\u00edz\u00e9ves v\u00e1rakoz\u00e1s lej\u00e1rta ut\u00e1n h\u00e1rom\u00e9vente van lehet\u0151s\u00e9g. Az \u00edgy felvett p\u00e9nzb\u0151l pedig vissza is lehet tenni azonnal a p\u00e9nzt\u00e1ri sz\u00e1ml\u00e1ra, ami ut\u00e1n a k\u00f6vetkez\u0151 \u00e9vben szja-visszat\u00e9r\u00edt\u00e9s j\u00e1r. Sok p\u00e9nzt\u00e1rtag j\u00f3l j\u00e1rhat ezzel a tr\u00fckkel, hiszen a p\u00e9nzt\u00e1rak az elm\u00falt \u00e9vekben magas hozamokat \u00e9rtek el, k\u00fcl\u00f6n\u00f6sen igaz volt ez a nagyobb kock\u00e1zatot v\u00e1llal\u00f3 portf\u00f3li\u00f3kra.<\/p>\n<p>Azok, akik nem tudnak most \u00e9lni az szja-kedvezm\u00e9nnyel, mert v\u00e1rj\u00e1k a gyerekes csal\u00e1doknak j\u00e1r\u00f3 visszat\u00e9r\u00edt\u00e9st, j\u00f6v\u0151re haszn\u00e1lhatj\u00e1k ki ezt a lehet\u0151s\u00e9get. A visszat\u00e9r\u00edtett ad\u00f3t vagy annak egy r\u00e9sz\u00e9t 2022-ben befizethetik majd a nyugd\u00edj- \u00e9s eg\u00e9szs\u00e9gc\u00e9l\u00fa megtakar\u00edt\u00e1saikba, ami ut\u00e1n 2023-ban v\u00e1rhat\u00f3an megkapj\u00e1k majd az ad\u00f3-visszat\u00e9r\u00edt\u00e9st. \u00cdgy a gyereknevel\u00e9s ut\u00e1n j\u00e1r\u00f3 szja-kedvezm\u00e9ny m\u00e1ris 20 sz\u00e1zal\u00e9kkal t\u00f6bbet \u00e9r majd.<\/p>\n<p>Tov\u00e1b olvashatod a cikket :https:\/\/www.napi.hu\/magyar-gazdasag\/ado-szja-hatarido-kgfb-auto-biztositas-adokedvezmeny-nyugdij-penztar-egeszseg-nyesz.743005.html<\/p>\n<p>Nyugd\u00edjbiztos\u00edt\u00e1st vagy egy\u00f6sszeg\u0171 nyugd\u00edjmegtakar\u00edt\u00e1st ind\u00edtani m\u00e1r csak 2 nap van, hogy a 2022-ben ad\u00f3 visszat\u00e9r\u00edt\u00e9ssel \u00e9lhess!<\/p>\n<p>H\u00edvj !<\/p>\n<h2><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>Hat\u00e1rid\u0151k j\u00e1rnak le p\u00e9nteken, sz\u00e1zezreket bukhat, aki lemarad T\u00f6bb milli\u00f3 ember sz\u00e1m\u00e1ra j\u00e1r le p\u00e9ntek \u00e9jf\u00e9lkor a hat\u00e1rid\u0151, hogy maximaliz\u00e1lhassa a szem\u00e9lyi j\u00f6vedelemad\u00f3-kedvezm\u00e9ny\u00e9t (szja) a j\u00f6v\u0151 \u00e9vre. T\u00e1mogat\u00e1st kaphatnak mindazok, &hellip;<\/p>\n","protected":false},"author":2,"featured_media":538,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[9],"tags":[32,33,19,23],"class_list":["post-1078","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nyugdij-megtakaritas","tag-ado","tag-adokedvezmeny","tag-nyugdij","tag-nyugdij-megtakaritas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hat\u00e1rid\u0151k j\u00e1rnak le p\u00e9nteken - nyugd&iacute;jspecialista.hu<\/title>\n<meta name=\"description\" content=\"HAT\u00c1RID\u0150K J\u00c1RNAK LE P\u00c9NTEKEN, SZ\u00c1ZEZREKET BUKHAT, AKI LEMARAD T\u00f6bb milli\u00f3 ember sz\u00e1m\u00e1ra j\u00e1r le p\u00e9ntek \u00e9jf\u00e9lkor a szem\u00e9lyi j\u00f6vedelemad\u00f3\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/digi-web.hu\/nysp\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"https:\/\/www.facebook.com\/nyugdij2020\/?ref=pages_you_manage\" \/>\n<meta property=\"og:description\" content=\"HAT\u00c1RID\u0150K J\u00c1RNAK LE P\u00c9NTEKEN, SZ\u00c1ZEZREKET BUKHAT, AKI LEMARAD T\u00f6bb milli\u00f3 ember sz\u00e1m\u00e1ra j\u00e1r le p\u00e9ntek \u00e9jf\u00e9lkor a szem\u00e9lyi j\u00f6vedelemad\u00f3\" \/>\n<meta property=\"og:url\" content=\"https:\/\/digi-web.hu\/nysp\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\/\" \/>\n<meta property=\"og:site_name\" content=\"nyugd&iacute;jspecialista.hu\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/nyugdij2018\/?ref=bookmarks\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/nyugdij2020\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-29T15:02:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/digi-web.hu\/nysp\/wp-content\/uploads\/2017\/12\/ne_maradj_le.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"227\" \/>\n\t<meta property=\"og:image:height\" content=\"386\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Borb\u00e9ly R\u00f3zsa\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Szerz\u0151:\" \/>\n\t<meta name=\"twitter:data1\" content=\"Borb\u00e9ly R\u00f3zsa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Becs\u00fclt olvas\u00e1si id\u0151\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 perc\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/digi-web.hu\\\/nysp\\\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/digi-web.hu\\\/nysp\\\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\\\/\"},\"author\":{\"name\":\"Borb\u00e9ly R\u00f3zsa\",\"@id\":\"https:\\\/\\\/digi-web.hu\\\/nysp\\\/#\\\/schema\\\/person\\\/d01d19736a03750846cc1b78852d7662\"},\"headline\":\"Hat\u00e1rid\u0151k j\u00e1rnak le p\u00e9nteken\",\"datePublished\":\"2021-12-29T15:02:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/digi-web.hu\\\/nysp\\\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\\\/\"},\"wordCount\":823,\"image\":{\"@id\":\"https:\\\/\\\/digi-web.hu\\\/nysp\\\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/digi-web.hu\\\/nysp\\\/wp-content\\\/uploads\\\/2017\\\/12\\\/ne_maradj_le.jpg\",\"keywords\":[\"ad\u00f3\",\"ad\u00f3kedvezm\u00e9ny\",\"nyugd\u00edj\",\"nyugd\u00edj-megtakar\u00edt\u00e1s\"],\"articleSection\":[\"Nyugd\u00edj-megtakar\u00edt\u00e1s\"],\"inLanguage\":\"hu\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/digi-web.hu\\\/nysp\\\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\\\/\",\"url\":\"https:\\\/\\\/digi-web.hu\\\/nysp\\\/hataridok-jarnak-le-penteken-szazezreket-bukhat-aki-lemarad\\\/\",\"name\":\"Hat\u00e1rid\u0151k j\u00e1rnak le p\u00e9nteken - 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