Voorbeeld afloscapaciteit in budgetplan en VTLB: verschil tussen versies

Uit SchuldhulpHulp
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(Nieuwe pagina aangemaakt met 'De afloscapaciteit wordt in het algemeen bepaald door van de Inkomsten, zoals salaris/uitkering, de vaste lassten, kosten van leefgeld en de reservering onvoorzien...')
 
Regel 2: Regel 2:




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| style="width: 101px;" data-mce-style="width: 101px;"| 
|| 
| style="width: 189px;" data-mce-style="width: 189px;"| 
| colspan="2"|Berekening volgens budgetpplanX
| style="width: 161px;" colspan="2" data-mce-style="width: 161px;"|Berekening volgens budgetpplanX
|| 
| style="width: 13px;" data-mce-style="width: 13px;"| 
||Berekening volgens VTLB
| style="width: 144px;" data-mce-style="width: 144px;"|Berekening volgens VTLB
||X
| style="width: 87px;" data-mce-style="width: 87px;"|<br />
|-
|-
||Inkomsten
| style="width: 101px;" data-mce-style="width: 101px;"|'''Inkomsten'''
|| 
| style="width: 189px;" data-mce-style="width: 189px;"| 
|| 
| style="width: 88px;" data-mce-style="width: 88px;"| 
|| 
| style="width: 73px;" data-mce-style="width: 73px;"| 
|| 
| style="width: 13px;" data-mce-style="width: 13px;"| 
|| 
| style="width: 144px;" data-mce-style="width: 144px;"| 
|| 
| style="width: 87px;" data-mce-style="width: 87px;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Salaris/uitkering
| style="width: 189px;" data-mce-style="width: 189px;"|Salaris/uitkering
||€ 985
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 985
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
||€ 985
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|€ 985
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Huurtoeslag
| style="width: 189px;" data-mce-style="width: 189px;"|Huurtoeslag
||€ 400
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 400
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
|| 
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"| 
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Zorgtoeslag
| style="width: 189px;" data-mce-style="width: 189px;"|Zorgtoeslag
||€ 99
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 99
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
|| 
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"| 
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Kinderbijslag
| style="width: 189px;" data-mce-style="width: 189px;"|Kinderbijslag
||€ 202
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 202
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
|| 
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"| 
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Totaal
| style="width: 189px;" data-mce-style="width: 189px;"|'''Totaal'''
|| 
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|''''''
||€ 1,686
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|'''€ 1,686'''
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"|''''''
|| 
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|''''''
||€ 985
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"|'''€ 985'''
|-
|-
||Uitgaven
| style="width: 101px;" data-mce-style="width: 101px;"|'''Uitgaven'''
|| 
| style="width: 189px;" data-mce-style="width: 189px;"| 
|| 
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"| 
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
|| 
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"| 
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Huur
| style="width: 189px;" data-mce-style="width: 189px;"|Huur
||€ -650
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -650
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
||€ -211
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|€ -211
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Zorgverzekering
| style="width: 189px;" data-mce-style="width: 189px;"|Zorgverzekering
||€ -120
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -120
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
||€ -35
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|€ -35
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Eigen Risico Zorgverzekering
| style="width: 189px;" data-mce-style="width: 189px;"|Eigen Risico Zorgverzekering
||€ -32
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -32
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
||€ -32
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|€ -32
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Overige vaste lasten
| style="width: 189px;" data-mce-style="width: 189px;"|Overige vaste lasten
||€ -410
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -310
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
||€ -410
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|€ -310
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Leefgeld
| style="width: 189px;" data-mce-style="width: 189px;"|Leefgeld
||€ -300
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -300
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
||€ -300
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|€ -300
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Reservering onvoorzien
| style="width: 189px;" data-mce-style="width: 189px;"|Reservering onvoorzien
||€ -50
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -50
|| 
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"| 
||€ -47
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|€ -47
|| 
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"| 
|-
|-
|| 
| style="width: 101px;" data-mce-style="width: 101px;"|''''''
||Totaal
| style="width: 189px;" data-mce-style="width: 189px;"|'''Totaal'''
|| 
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|''''''
||€ -1,562
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|'''€ -1,462'''
|| 
| style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"|''''''
|| 
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|''''''
||€ -1,035
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"|'''€ -935'''
|-
|-
||Afloscapaciteit
| style="width: 101px;" data-mce-style="width: 101px;"|'''Afloscapaciteit'''
|| 
| style="width: 189px;" data-mce-style="width: 189px;"| 
||€ 124
| style="width: 88px;" data-mce-style="width: 88px;"|'''€ 224'''
|| 
| style="width: 73px;" data-mce-style="width: 73px;"|''''''
|| 
| style="width: 13px;" data-mce-style="width: 13px;"|''''''
||€ -50
| style="width: 144px;" data-mce-style="width: 144px;"|'''€ 50'''
|}
|}

Versie van 5 dec 2019 12:45

De afloscapaciteit wordt in het algemeen bepaald door van de Inkomsten, zoals salaris/uitkering, de vaste lassten, kosten van leefgeld en de reservering onvoorzien af te trekken. Dat werk bij clienten met een gemiddeld inkomen (indicatie Netto €2.200) goed. Echter bij een lager salaris/uitkering gaat dit niet op. Op dat moment gooien toeslagen en andere inkomensondersteunende maatregelen roet in het eten en zou je feitelijk de afkloscapaciteit dienen te bepalen op basis van het Vrij Te Laten Bedrag. Aan de hand van onderstaan voorbeeld wordt dit uitgelegd:


    Berekening volgens budgetpplanX   Berekening volgens VTLB
Inkomsten            
' Salaris/uitkering € 985     € 985  
' Huurtoeslag € 400        
' Zorgtoeslag € 99        
' Kinderbijslag € 202        
' Totaal ' € 1,686 ' ' € 985
Uitgaven            
' Huur € -650     € -211  
' Zorgverzekering € -120     € -35  
' Eigen Risico Zorgverzekering € -32     € -32  
' Overige vaste lasten € -310     € -310  
' Leefgeld € -300     € -300  
' Reservering onvoorzien € -50     € -47  
' Totaal ' € -1,462 ' ' € -935
Afloscapaciteit   € 224 ' ' € 50
Overgenomen van "https://schuldhulphulp.nl/wiki/index.php?title=Voorbeeld_afloscapaciteit_in_budgetplan_en_VTLB&oldid=2020"