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The Brazilian has commitments all year with expenses. Among them, the Motor Property Tax (IPVA) and the Property Tax and Territorial Towns (IPTU). To these are added other expenses typical of the time, such as the children's school, income tax, end-of-year expenses. But unlike the others, IPVA and IPTU have the advantage of being divided into lots. The question is, when is it advantageous to pay under a single quota or to ask for installments?
"As the reductions (for those who pay with a single quota) are low, they are only worth for those who have resources," says the economist. Hugo Eduardo Meza Pinto, partner of the Amauta creative economy society and professor at Faculdades Estacio de Curitiba.
The IPVA of Paraná benefits from a reduction for those who pay a single quota of 3%, due between the 24th and 30th of this month, or option in three installments, with the first expiry at the same date as the single quota. The IPTU of Curitiba benefits from a 4% reduction on the single quota or payment in ten installments. Cash payment should be made before February 8th.
But paying the bills is only worth it if the taxpayer has separate resources for that expense, says Meza. "You should never lend money for this purpose," he says. "If you need cash, you better pay for it"
Even for those who have saved a portion of the 13th salary, for example, it is good to think about the expenses to use. "If I keep money and do not want to start the year with debts and decide to go for a single payment, I have to remember other expenses as well. committed since the beginning of the year (such as the children's school and the income tax).
According to Meza, this is part of the dominant tax culture in Brazil, according to which the citizen must practically work the first four months to pay taxes and federal, state and municipal taxes.
CPF in the note
But one of the advice of Meza is that the taxpayer adheres to tax refund programs and rates, such as Nota Parana and Nota Curitiban. "People should use program credits. I give my example as an example: I have already been able to cut a lot of IPVA this year using the credits from Paraná's rating. The same goes for the note from Curitiba, who mbadacred the IPTU. "
– In 2019, the date of payment for single payment (in cash) or discharge of the first quota will be between 24 and 30 January 2019 and will vary according to the final figures of the plate
– Si you choose to pay in cash, the taxpayer will benefit from a discount of 3% on the final value
– Already the taxpayer who chooses to divide the payment of the IPVA 2019 into three installments should respect the The first quota will be paid between January 24th and 30th, the second between February 21st and 27th and the third and last between March 21st and 27th, 2019, according to the final figures of the plates
Payment Curitiba's IPTU
– Cash payment, which can be made until February 8, will have a discount of 4% .In addition, the taxpayer can pay tax up to ten times, without interest
– Installment installments are paid between 1 1 and the 15th of each month, from February to November. The dates are indicated in the IPTU ticket
– The monthly payments can not be lower than 20 R $ (by adding the IPTU and the garbage collection rate)
– The IPTU tariffs remain unchanged. The nine ranges range from 0.2% to 1.1% of the market value of residential buildings; from 0.35% to 1.8% for commercial real estate; and 1% to 3% for real estate without construction
– The garbage collection rate has also not changed in value for 2019 and follows the same rules as the year before. latest. For those who pay, the residential waste rate remains at R $ 275.40 a year, which represents a daily cost of R $ 0.75
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