{"id":20349,"date":"2025-12-17T11:28:28","date_gmt":"2025-12-17T10:28:28","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=20349"},"modified":"2025-12-17T11:29:59","modified_gmt":"2025-12-17T10:29:59","slug":"kapital-irabazien-bizitza-anuitateetan-berrinbertsioa","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/eu\/reinversion-de-ganancias-patrimoniales-en-rentas-vitalicias\/","title":{"rendered":"Nola aprobetxatu bizitza-anuitate batean kapital-irabaziak berrinbertitzeak 65 urtetik gorakoak bazara"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"20349\" class=\"elementor elementor-20349\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-365f2a90 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"365f2a90\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69eb241c\" data-id=\"69eb241c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-105a519a elementor-widget elementor-widget-text-editor\" data-id=\"105a519a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1><b><span data-contrast=\"auto\">Nola aprobetxatu kapital-irabaziak anuitateetan berrinbertitzeak 65 urtetik gorakoak bazara<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h1><p><b><span data-contrast=\"auto\">65 urte baino gehiago badituzu eta aktibo bat (zure bizileku nagusia ez den higiezina, negozioa edo inbertsio-funtsak izan ezik) saltzeko asmoa baduzu, Espainiako legeak aukera ematen dizu sortutako kapital-irabazien gaineko errenta-zergatik erabat salbuetsita egoteko.<\/span><\/b><span data-contrast=\"auto\"> Hau bizitza-anuitateetan kapital-irabaziak berriro inbertituz posible da.<\/span><span data-contrast=\"auto\">\u00a0Transmisioaren ondorengo sei hilabeteko epean. Hau da\u00a0<\/span><b><span data-contrast=\"auto\">aktiboen kudeaketa estrategia<\/span><\/b><span data-contrast=\"auto\">\u00a0Espainian gehien eraginkorra eta zabalduena\u00a0<\/span><b><span data-contrast=\"auto\">Zergak ordaintzea saihestu<\/span><\/b><span data-contrast=\"auto\">\u00a0aktibo esanguratsuen salmentaren ondoren.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Gandik\u00a0<\/span><b><span data-contrast=\"auto\">PIB Taldea Iberia<\/span><\/b><span data-contrast=\"auto\">, Pertsonaentzako aseguru-soluzioetan espezializatutako bitartekaritza independente gisa, eskuragarri dauden anuitate-aukerak identifikatzen eta berriro inbertsioa behar bezala planifikatzen laguntzen dugu, zerga-onurak galdu ez daitezen.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">65 urtetik gorako pertsonentzat, anuitateetan berriro inbertitzeak zer zerga-onura eskaintzen ditu?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">Arauek abantaila gako bat ezartzen dute:<\/span> <b><span data-contrast=\"auto\">Kapital-irabaziak pertsonen errenta-zergatik erabat salbuetsita egon daitezke.<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><h3><b><span data-contrast=\"auto\">Salbuespenerako oinarrizko baldintzak:<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">Zerga-bazterketaz baliatzeko, honako eskakizun hauek bete behar dira:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><ul><li><span data-contrast=\"auto\">Transferentzia unean 65 urte edo gehiagokoa izan behar da.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Lortutako zenbatekoa bizitza-anuitate aseguru-poliza batean berriro inbertitu.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Salbuespen-muga maximoa da <\/span><b><span data-contrast=\"auto\">240.000 euro<\/span><\/b><span data-contrast=\"auto\">\u00a0zergadun bakoitzeko.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Berinbertsioa gehienezko epe baten barruan egin behar da <\/span><b><span data-contrast=\"auto\">sei hilabete<\/span><\/b><span data-contrast=\"auto\">\u00a0salmentatik.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Kontratua honela egon behar da osatuta <\/span><b><span data-contrast=\"auto\">Bizitza-anuitatea<\/span><\/b><span data-contrast=\"auto\">, ez aldi baterakoa.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Ekarpen egilea ezinbestez onuradun gisa agertu behar da.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Baldintza hauek egungo errenta pertsonaleko zerga-araudian jasota daude, argitaratutakoak <a href=\"https:\/\/sede.agenciatributaria.gob.es\" target=\"_blank\" rel=\"noopener\">Zerga Agentzia<\/a>.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">Zergatik den anuitate-asegurua planifikazio honen giltzarri<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">Anuitate-aseguru-poliza batek berrinbertitutako kapitala bihurtzea ahalbidetzen dizu\u00a0<\/span><b><span data-contrast=\"auto\">Bizitza osorako diru-sarrera bermatua<\/span><\/b><span data-contrast=\"auto\">. Adineko pertsonentzat tresna bereziki erabilgarria da, izan ere konbinatzen duelako\u00a0<\/span><b><span data-contrast=\"auto\">Zerga-abantaila<\/span><\/b><span data-contrast=\"auto\">,\u00a0<\/span><b><span data-contrast=\"auto\">egonkortasun finantzarioa<\/span><\/b><span data-contrast=\"auto\">\u00a0y\u00a0<\/span><b><span data-contrast=\"auto\">Luzaro bizitzaren aurkako babesa<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><h3>\u00a0<\/h3><h3><b><span data-contrast=\"auto\">Frogagiri garrantzitsuak<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><ul><li><span data-contrast=\"auto\">Bizitza osorako hilabeteko ordainketa bermatuta.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Sarrera malgu motak: konstanteak, handitzen doazenak edo itzulera dutenak.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Alokairuaren kobrantzan fiskal eraginkortasun handiagoa.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Bezeroak ez du inolako kudeaketa aktiborik egin behar.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Ondarearen ondorengotza optimizatzeko aukera ematen du.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><\/ul><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">Nola laguntzen dizugun PIB Group Iberia-n prozesu honetan zehar<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">PIB Group Iberia-n, honako hauei aholkularitza pertsonalizatua eskaintzen dugu:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><ul><li><span data-contrast=\"auto\">Aztertu salmenta-transakzioa eta sortutako kapital-irabazia.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Espainiako lege-esparruaren barruan zerga-estrategia egokiena definitzea.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Konparatu merkatuko aseguratzaile nagusien anuitateak.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Ziurtatu berrinbertsioa epe juridikoaren barruan eskakizun guztiak betetzen dituela.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Bizitza-anuitatearen diseinua likidezia eta ondorengotza-beharrak kontuan hartuta optimizatu.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Eskualde horretako pertsonentzako gure aseguru-soluzioak kontsulta ditzakezu\u00a0<\/span><b><span data-contrast=\"auto\">Aurrezkiak eta bizitza<\/span><\/b><span data-contrast=\"auto\">\u00a0barneko esteka honen bidez:<\/span>\u00a0<\/p><p style=\"text-align: center;\"><a href=\"\/eu\/pertsona-pribatuak\/ahorro-inversion\/\"><b><span data-contrast=\"auto\">PIB Group Iberiako Aurrezki Bermatuko Asegurua<\/span><\/b><\/a>\u00a0<\/p><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">Salbuespenaren aplikazioaren adibide praktikoak<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\"> kapital-irabaziak bizitza-anuitateetan berriro inbertituz<\/span><\/h2><h3>\u00a0<\/h3><h3><b><span data-contrast=\"auto\">Akzioen edo inbertsio-funtsen salmenta<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3><p>Bizitza-anuitateetan berrinbertitzeko salbuespena urteetan zehar irabazi handiak metatu dituzten inbertsio-portafolioentzat aproposa da. Finantza-estrategia oso eraginkorra da, transferentzia unean zerga-agintaritzetatik igaro beharrik gabe kapitala bizitza osorako mantentzea ahalbidetzen duelako.<\/p><h3>\u00a0<\/h3><h3><b><span data-contrast=\"auto\">Enpresa edo familia-negozio baten salmenta<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3><p>Hau da, urrunetik, bizitza-anuitatearen zerga-eragina nabarmenena den transakzioa.  ETE edo familia-enpresa baten salmentak askotan kapital-irabazi esanguratsuak sortzen ditu, eta tresna hau gabe zerga-tasa altuetan zergapetuak lirateke. Bizitza-anuitateak irteten den bazkide edo jabeari pentsio erregularra bermatzen dio, enpresaren likidezia (salmenta hirugarren bati bada) edo familiaren ondarearen likidezia mantenduz.<\/p><p><b><span data-contrast=\"auto\">Aditu aholkulari batekin hitz egin eta eska ezazu <a href=\"\/eu\/korporatiboa\/harremanetan-jarri\/\">Hemen<\/a> Zure doako, inolako konpromisorik gabeko simulazioa.<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Zein da Espainian bizitza-aseguru onena? Bizitza-aseguruetan diruaren balioari dagokionez lehiakorrenen aseguratzaileen zerrenda. Zuretzat egokiena aurkitu!<\/p>","protected":false},"author":8,"featured_media":20351,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":4.8,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"CreativeWorkSeries","footnotes":""},"categories":[16,152],"tags":[282],"class_list":["post-20349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","category-profesionales","tag-private-life"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/posts\/20349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/comments?post=20349"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/posts\/20349\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/media\/20351"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/media?parent=20349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/categories?post=20349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/eu\/wp-json\/wp\/v2\/tags?post=20349"}],"curies":[{"name":"WordPress","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}