Voorbeeld afloscapaciteit in budgetplan en VTLB: verschil tussen versies
Naar navigatie springen
Naar zoeken springen
| Regel 2: | Regel 2: | ||
<p> | |||
</p> | |||
{| class="wikitable" style="width: 781px;" data-mce-style="width: 781px;" | {| class="wikitable" style="width: 781px;" data-mce-style="width: 781px;" | ||
|- | |- | ||
| style="width: 101px;" data-mce-style="width: 101px;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"| | | style="width: 189px;" data-mce-style="width: 189px;"| | ||
| style="width: 161px;" colspan="2" data-mce-style="width: 161px;"|Berekening volgens budgetpplanX | | style="width: 161px;" colspan="2" data-mce-style="width: 161px;"|'''Berekening volgens budgetpplanX''' | ||
| style="width: 13px;" data-mce-style="width: 13px;"| | | style="width: 13px;" data-mce-style="width: 13px;"| | ||
| style="width: 144px; | | style="width: 144px; vertical-align: top;" colspan="2" data-mce-style="width: 144px; vertical-align: top;"|'''Berekening volgens VTLB''' | ||
|- | |- | ||
| style="width: 101px;" data-mce-style="width: 101px;"|'''Inkomsten''' | | style="width: 101px;" data-mce-style="width: 101px;"|'''Inkomsten''' | ||
| Regel 19: | Regel 20: | ||
| style="width: 87px;" data-mce-style="width: 87px;"| | | style="width: 87px;" data-mce-style="width: 87px;"| | ||
|- | |- | ||
| style="width: 101px;" data-mce-style="width: 101px;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Salaris/uitkering | | style="width: 189px;" data-mce-style="width: 189px;"|Salaris/uitkering | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 985 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 985 | ||
| Regel 27: | Regel 28: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Huurtoeslag | | style="width: 189px;" data-mce-style="width: 189px;"|Huurtoeslag | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 400 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 400 | ||
| Regel 35: | Regel 36: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Zorgtoeslag | | style="width: 189px;" data-mce-style="width: 189px;"|Zorgtoeslag | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 99 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 99 | ||
| Regel 43: | Regel 44: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Kinderbijslag | | style="width: 189px;" data-mce-style="width: 189px;"|Kinderbijslag | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 202 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ 202 | ||
| Regel 51: | Regel 52: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|'''Totaal''' | | style="width: 189px;" data-mce-style="width: 189px;"|'''Totaal''' | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"| | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|<br /> | ||
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; 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: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"|<br /> | ||
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"| | | style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|<br /> | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"|'''€ 985''' | | style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"|'''€ 985''' | ||
|- | |- | ||
| Regel 67: | Regel 68: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Huur | | style="width: 189px;" data-mce-style="width: 189px;"|Huur | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -650 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -650 | ||
| Regel 75: | Regel 76: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Zorgverzekering | | style="width: 189px;" data-mce-style="width: 189px;"|Zorgverzekering | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -120 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -120 | ||
| Regel 83: | Regel 84: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Eigen Risico Zorgverzekering | | style="width: 189px;" data-mce-style="width: 189px;"|Eigen Risico Zorgverzekering | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -32 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -32 | ||
| Regel 91: | Regel 92: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Overige vaste lasten | | style="width: 189px;" data-mce-style="width: 189px;"|Overige vaste lasten | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -310 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -310 | ||
| Regel 99: | Regel 100: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Leefgeld | | style="width: 189px;" data-mce-style="width: 189px;"|Leefgeld | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -300 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -300 | ||
| Regel 107: | Regel 108: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|Reservering onvoorzien | | style="width: 189px;" data-mce-style="width: 189px;"|Reservering onvoorzien | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -50 | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|€ -50 | ||
| Regel 115: | Regel 116: | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; 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;"| | | style="width: 101px;" data-mce-style="width: 101px;"| | ||
| style="width: 189px;" data-mce-style="width: 189px;"|'''Totaal''' | | style="width: 189px;" data-mce-style="width: 189px;"|'''Totaal''' | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"| | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|<br /> | ||
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|'''€ -1,462''' | | 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: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"|<br /> | ||
| style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"| | | style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|<br /> | ||
| style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"|'''€ -935''' | | style="width: 87px; text-align: right;" data-mce-style="width: 87px; text-align: right;"|'''€ -935''' | ||
|- | |- | ||
| style="width: 101px;" data-mce-style="width: 101px;"|'''Afloscapaciteit''' | | style="width: 101px;" data-mce-style="width: 101px;"|'''Afloscapaciteit''' | ||
| style="width: 189px;" data-mce-style="width: 189px;"| | | style="width: 189px;" data-mce-style="width: 189px;"| | ||
| style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"| | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|<br /> | ||
| style="width: 88px;" data-mce-style="width: 88px;"|'''€ 224''' | | style="width: 88px; text-align: right;" data-mce-style="width: 88px; text-align: right;"|<span style="color: rgb(255, 0, 0);" data-mce-style="color: #ff0000;">'''€ 224'''</span> | ||
| style="width: 73px;" data-mce-style="width: 73px;"| | | style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|<br /> | ||
| style="width: 13px;" data-mce-style="width: 13px;"| | | style="width: 13px; text-align: right;" data-mce-style="width: 13px; text-align: right;"|<br /> | ||
| style="width: 144px;" data-mce-style="width: 144px;"|'''€ 50''' | | style="width: 144px; text-align: right;" data-mce-style="width: 144px; text-align: right;"|<span style="color: rgb(255, 0, 0);" data-mce-style="color: #ff0000;">'''€ 50'''</span> | ||
|} | |} | ||
<p> | |||
</p><h2 class="mw_paragraph">Uitleg</h2><p>Bij het bepalen van het VTLB wordt er geen rekening gehouden met toeslagen die bepaalde vaste kosten zoals in dit geval[[Toeslagen en andere vormen van financiële ondersteuning|huur- en zorgtoeslag]]compenseren. In plaats daarvan wordt gerekend met een normhuur en een normziektekeostenverzekering waarbij geen rekening wordt gehouden met de "echte" uitgaven. | |||
</p> | |||
Versie van 5 dec 2019 12:56
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 | ||||
Uitleg
Bij het bepalen van het VTLB wordt er geen rekening gehouden met toeslagen die bepaalde vaste kosten zoals in dit gevalhuur- en zorgtoeslagcompenseren. In plaats daarvan wordt gerekend met een normhuur en een normziektekeostenverzekering waarbij geen rekening wordt gehouden met de "echte" uitgaven.