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Cรณmo elegir bien el paquete de telefonรญa

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2016

Fuente: Banco de Espaรฑa

Comisiรณn que pagan los comercios por el cobro con tarjeta Medio

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3,29%

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Bajo importe Categorรญas comerciales (excepto autopistas) cuyo importe medio de compras con tarjeta no excede de 15โ ฌ y cuyos precios estรกn condicionados por un marco regulatorio (transporte urbano, parkings, cabinas...)

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20MINUTOS S MIBOLSILLO Â&#x2030; +VFWFT EF NBZP EF Â&#x2030; Â&#x2030;+VFWFT EF NBZP EF Â&#x2030; 3

El futuro serĂĄ mejor si abrimos nuestra energĂa. Cada dĂa sentimos la necesidad de abrirnos y relacionarnos con los demĂĄs. Esto es lo que nos permite avanzar. Por eso, hemos cambiado nuestra forma de hacer las cosas, basĂĄndonos en la innovaciĂłn y el intercambio, las ideas y el progreso. Bienvenidos a una era donde, si todos abrimos nuestra energĂa, podremos crear un futuro mejor.

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4.906.241

Tasa de variaciรณn interanual: 4,41%% 2,43% 5,93%

5,20%

4,64%

Distribuciรณn del empleo por tamaรฑo de la empresa

31,3%

18,7%

2.829.891 2.926.459 2.794.526

Microempresas (1-9)

Grandes (250 รณ mรกs) 2.232.641

Autรณnomos Micro (0 asalar.) (1-9)

Pequeรฑas (10-49)

Medianas (50-249)

18%

17,8%

14,2%

Autรณnomos

Pequeรฑas (10-49)

Medianas (50-249)

Grandes (250 รณ mรกs)

Las empresas por sectores

Los trabajadores por sectores

75,2%

977.497

9.670.382

Servicios

9,2% 119.414

8,4% 109.485

7,2% 93.913

15,1% 1.946.855

5,7% 4% 732.222

Construcciรณn

Industria

Agrario

Industria

Construc. Agrario (510.408)

Fuente: Ministerio de Empleo y Seguridad Social. Marzo 2017

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40%

Se han endurecido

23%

Se han mantenido

37%

Empresas que han tenido restricciones de crรฉdito

42%

Alternativas para financiar inversiones Autofinanciaciรณn

41%

40% 31%

Financiaciรณn bancaria

34%

Leasing financier ro 10% financiero Prรฉstamos de d instituciones pรบblicas ( ICO, ICEX, ENISA...) 7%

21%

Aumentoo del capital 5%

17%

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C Crowdfunding-Crowdequity-Crowlending 1% 2012

2013

2014

2015

2016

Emisiรณn de Bonos-Obligaciones 0%

Fuente: Cepyme y EADA, โ VIII diagnรณstico financiero de la empresa espaรฑolaโ

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Empresas que facturan al menos un 10% online

España Telecomunicaciones

18,7%

Servicios financieros

Media UE 28 17,2%

Turismo

100% 78% 71%

50%

Transporte Facturación online de las pymes Farma y salud 38% España

Media UE 28 9,4%

Industria Energía

30% 25%

Infraestructuras 11%

Fuente: BBVA, DIRCE, Eurostat, informe ‘España 4.0’ de Siemens y Roland Berger. Marzo 2017

) %& 1&%30

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1MBOFT B NFEJEB 1MBOFT B NFEJEB $VFOUB DPO VO DBUÃMPHP EF QSPEVDUPT BEBQUBEPT B MBT OF DFTJEBEFT EF DBEB DPNQBÒÎB 4F QVFEF FMFHJS FOUSF UBSJGB GJKB Z WBSJBCMF Z DPO TFSWJDJPT EF Z WBSJBCMF Z DPO TFSWJDJPT EF SFQBSBDJÓO Z NBOUFOJNJFOUP

0GFSUBT FO WBSJPT TFSWJDJPT %B MB PQDJÓO B QZNFT Z BVUÓ OPNPT EF FMFHJS FOUSF EJGFSFO UFT DPOUSBUPT QBSB GJKP NÓWJM JOUFSOFU BQMJDBDJPOFT EJHJUB MFT GBY WJSUVBM EJHJUBMJ[BDJÓO DPOUBCMF Z DPO EFTDVFOUPT

MJGJDBDJÖO EF MPT FNQSFTBSJPT MJGJDBDJÖO EF MPT FNQSFTBSJPT Z FNQMFBEPT QFTF B MPT FT GVFS[PT SFBMJ[BEPT P MBT EJGJ DVMUBEFT QBSB EFTBSSPMMBS F JO DPSQPSBS JOOPWBDJPOFT TPO DPSQPSBS JOOPWBDJPOFT TPO FOUSF PUSPT BTQFDUPT RVF EJGJ DVMUBO Z MJNJUBO FM EFTBSSPMMP DVMUBO Z MJNJUBO FM EFTBSSPMMP EF MB FNQSFTBx EF MB FNQSFTBx "M SFTQFDUP MB GVOEBDJÖO MBO[B VOB QFUJDJÖO jSFDPOP DJFOEP FM WBMPS EFM FTGVFS[P DJFOEP FM WBMPS EFM FTGVFS[P MMFWBEP B DBCP QPS MBT BENJ OJTUSBDJPOFT QÜCMJDBT QBSB GB WPSFDFS FM FOUPSOP EF MB QZ NF DPODSFUBEP FO NÜMUJQMFT NF DPODSFUBEP FO NÜMUJQMFT QSPHSBNBT EF BZVEB GJOBO DJFSB FT OFDFTBSJP DPOUJOVBS DPO FM EFTBSSPMMP EF BDDJPOFT RVF NFKPSFO TV FOUPSOP CV SPDSÆUJDP TV PSHBOJ[BDJÖO JO UFSOB Z QSPEVDUJWB MB JOWFS TJÖO FO JOUBOHJCMFT MB DBQBDJ UBDJÖO EF TV DBQJUBM IVNBOP TV BQFSUVSB B NFSDBEPT JOUFS OBDJPOBMFT Z MB JOOPWBDJÖO DPOUJOVB EFTEF VOB BDUJUVE FNQSFOEFEPSB DPNP FMF NFOUPT JNQSFTDJOEJCMFT QB

-" $*'3"

'&& c_b '&&c_b FNQSFTBT TF DSFBSPO FO &T MB QSJNFSB WF[ RVF TF MMFHB B FTUB DJGSB EFTEF

1PDP EBEBT 1PDP EBEBT BM SJFTHP BM SJFTHP -BT FNQSFTBT

B7I 9B7L;I B7L;I 5PEPT 5PEPT *HVBMåT BOUF FM TBMBSJP MENSAJE DE COMPROMISO

$FQZNF IB FMBCPSBEP VOB HVÑB EF CVFOBT QSÆDUJDBT oEFO USP EFM 1SPZFDUP *HVBMåTo QBSB MB FMJNJOBDJÖO Z QSFWFODJÖO EF MB CSFDIB TBMBSJBM FOUSF IPN CSFT Z NVKFSFT " TV KVJDJP TF SÑB SFMFWBOUF jMB EJWVMHBDJÖO EF VO NFOTBKF EF DPNQSPNJ TP SFBM QPS MB JHVBMEBE EF PQPS UVOJEBEFTx Z QPS jVOB HFTUJÖO FNQSFTBSJBM JOUFHSBEPSB EF MB EJWFSTJEBEx EJWFSTJEBEx CLASIFICACIÓN PROFESIONAL

&OUSF MBT SFDPNFOEBDJPOFT TF JODMVZF FM FTUBCMFDJNJFOUP EF VO TJTUFNB EF DMBTJGJDBDJÖO QSPGFTJPOBM DPOGPSNF B VOB TFSJF EF HSVQPT Z DBUFHPSÑBT TJO EJTUJODJÖO EF HÍOFSP EJTUJODJÖO EF HÍOFSP PROMOCIÓN EN LA CARRERA

-B QSPNPDJÖO QSPGFTJPOBM P EF MB DBSSFSB EFM USBCBKBEPS EFCF SÆ FTUBS CBTBEB FO DSJUFSJPT UÍD OJDPT Z PCKFUJWPT EF NÍSJUPT RVF OP TFBO FYDMVZFOUFT QPS TFYP &TUBCMFDJNJFOUP EF QMB OFT EF QSPNPDJÖO FO JHVBMFT OFT EF QSPNPDJÖO FO JHVBMFT DPOEJDJPOFT DPOEJDJPOFT PROMOVER LA FORMACIÓN

-PT QMBOFT EF GPSNBDJÖO TF UJF OFO RVF JNQBSUJS FO IPSBSJP MB CPSBM Z DFSDB EFM MVHBS EFM USB CBKP 4FSÑB QPTJUJWP QSPNPWFS MB QBSUJDJQBDJÖO EF MBT USBCB KBEPSBT FO MPT DVSTPT QBSB GBWP SFDFS TV BTDFOTP QSPGFTJPOBM SFDFS TV BTDFOTP QSPGFTJPOBM CONCILIACIÓN FAMILIAR

-BT FNQSFTBT EFCFSÑBO JNQMBO UBS NFEJEBT RVF GBWPSF[DBO MB GMFYJCJMJEBE FO IPSBSJPT EBS MB PQDJÖO EF FYDFEFODJBT DPSUBT Z BDPSEBS SFEVDDJÖO EF IPSBSJPT QPS NPUJWPT EF DVJEBEP QPS NPUJWPT EF DVJEBEP CULTURA EMPRESARIAL

4F QSFDJTB MB JNQMBOUBDJÖO EF 4F QSFDJTB MB JNQMBOUBDJÖO EF VO QMBO EF JHVBMEBE EFTQVÍT EF SFBMJ[BS VO EJBHOÖTUJDP TPCSF MB DPOGJHVSBDJÖO EF MB QMBOUJMMB TVT OFDFTJEBEFT Z PQPSUVOJ EBEFT -BT TVHFSFODJBT UFOESÆO RVF TFS UFOJEBT FO DVFOUB

130%6$504 1"3" 1:.&4

1SPNPDJPOFT QBSB Q BIPSSBS Z GBDJMJUBS MB Z NBSDIB EFM OFHPDJP H 4FHVSP $ZCFS 1SPUFDDJÓO -B DPNQBÒÎB BDBCB EF QPOFS FO FM NFSDBEP FM 4FHVSP $ZCFS 1SPUFDDJÓO QBSB QZNFT Z BV UÓOPNPT DPO DPCFSUVSBT UÓOPNPT DPO DPCFSUVSBT PSJFOUBEBT B MB QSPUFDDJÓO EF BUBRVFT JOGPSNÃUJDPT

$BNQBÒB FTQFDJBM 0GSFDF EFTDVFOUPT FO MB DPN QSB EF WFIÎDVMPT FOUSF FM Z "EFNÃT TJ TF GJOBODJB "EFNÃT TJ TF GJOBODJB DPO 7PMLTXBHFO 'JOBODJBM 4FSWJDFT TF QVFEFO DPOTFHVJS FVSPT EF SFEVDDJÓO

20MINUTOS S MIBOLSILLO +VFWFT EF NBZP EF +VFWFT EF NBZP EF

9EDIKCE L?L?;D:7

CÈI H;<EHC7I ;<EHC7I ;D 97I7 F7=7:7I 7=7:7I 9ED BEI 7>EHHEI

-" $-"7&

&/ %"504 &/ %"504

'JOBODJBDJÓO QBSB 'JOBODJBDJÓO QBSB Q NFKPSBT FO FM IPHBS K H

¿Qué reforma ha realizado en los últimos 12 meses? Pequeña reforma (pudo seguir viviendo en el hogar)

60% 68% Reforma mediana (varias habitaciones se vieron afectadas)

22% 26%

FVSPT B PDIP BÒPT FVSPT B PDIP BÒPT &M CBODP UJFOF B EJTQPTJDJÓO EF &M CBODP UJFOF B EJTQPTJDJÓO EF TVT DMJFOUFT VO QSÊTUBNP QFS TPOBM EF IBTUB FVSPT B EFWPMWFS FO BÒPT "EFNÃT QVFEFO DPOTFHVJS IBTUB BDDJPOFT EFM CBODP

Gran reforma (se ve afectada gran parte del hogar)

18% 7%

2016

2015

¿Cuál ha sido el importe medio de la reforma realizada en los últimos 12 meses? (sin muebles o electrodom.) Hasta 600€

44% 601-1.000€

14%

.ÎOJNP EF FVSPT &M QSPEVDUP EF ##7" GBDJMJUB GJ OBODJBDJÓO QPS VO JNQPSUF NÎ OJNP EF FVSPT Z VO NÃYJ NP EF FVSPT &M QFSJPEP EF EFWPMVDJÓO PTDJMB FOUSF MPT Z BÒPT

Gasto medio

4.464€

1.001-2.000€

17%

en 2015

Más de 2.000€

2.703€

25% No contesta

en 2016

¿La reforma la ha realizado por gusto o necesidad? 2015

2016

52%

Por necesidad $BEB WF[ NÆT FTQBÕPMFT QMBOFBO VOB SFGPSNB FO TV IPHBS (53&4

BEATRIZ P. GALDÓN 1/%! NJOVUPT FT ! N.J#PMTJMMP

5FNQPSBEB BMUB QBSB MBT SFGPS NBT FO FM IPHBS -B MMFHBEB EFM NBT FO FM IPHBS -B MMFHBEB EFM CVFO UJFNQP BOJNB B NVDIBT QFSTPOBT B SFBMJ[BS DBNCJPT FO DBTB : FTUF FT VOP EF MPT GBD UPSFT RVF UBNCJÍO NJEF MB NF KPSB FDPOÖNJDB KPSB FDPOÖNJDB %F BDVFSEP DPO FM 0CTFSWBUP SJP $FUFMFN HSVQP 1/# 1BSJ CBT TPCSF FM DPOTVNP FO &TQB ÕB FO VO EF MPT FT QBÕPMFT SFBMJ[Ö BMHÜO UJQP EF QBÕPMFT SFBMJ[Ö BMHÜO UJQP EF PCSB FO TV WJWJFOEB GSFOUF BM EF &M JNQPSUF HBT UBEP TF SFEVKP EF VOB NFEJB EF UBEP TF SFEVKP EF VOB NFEJB EF B FVSPT -B EJGFSFO DJB PCFEFDF TFHÜO FM JOGPSNF DJB PCFEFDF TFHÜO FM JOGPSNF EF $FUFMFN B RVF MB NBZPSÑB EF EF $FUFMFN B RVF MB NBZPSÑB EF MPT QSPQJFUBSJPT PQUÖ QPS jPCSBT EF QPDP DBMBEPx FM ÜMUJNP BÕP -BT NFKPSBT TF SFBMJ[BSPO NÆT -BT NFKPSBT TF SFBMJ[BSPO NÆT QPS jDBQSJDIPx RVF QPS jFTUSJD UB OFDFTJEBEx BMHP RVF TÑ PDV SSJÖ FO FM EF MPT DBTPT EF SSJÖ FO FM EF MPT DBTPT EF j&T PUSP DMBSP FKFNQMP EF MB SFBDUJWBDJÖO FDPOÖNJDB Z EFM DPOTVNPx BQVOUB FM JOGPSNF 1BSB QBSFDF RVF MB UFO EFODJB TF NBOUFOESÆ FO MPT EFODJB TF NBOUFOESÆ FO MPT

NJTNPT UÍSNJOPT ZB RVF FM NJTNPT UÍSNJOPT ZB RVF FM OÜNFSP EF FTQBÕPMFT RVF QSF UFOEF IBDFS BMHVOB SFGPSNB TF UFOEF IBDFS BMHVOB SFGPSNB TF FMFWB BM DPO VO HBTUP TJNJ MBS BM EF QSJODJQBMNFO UF TF BDPNFUFSÆO QFRVFÕPT UF TF BDPNFUFSÆO QFRVFÕPT DBNCJPT &TUB ÆSFB EF DPOTVNP EFKB UBNCJÍO EJGFSFODJBT DPO SFT

{2VÍ HBTUPT {2VÍ HBTUPT H TF QVFEFO EFTHSBWBS &O MB BDUVBMJEBE TF

QVFEFO EFTHSBWBS MBT PCSBT SFBMJ[BEBT FO MB WJ WJFOEB RVF UFOHBO RVF WFS DPO MB FGJDJFODJB FOFSHÍUJ DB oDPNP MB JOTUBMBDJÖO EF EPCMF WFOUBOB MB TVTUJUV DJÖO EF JOTUBMBDJPOFT EF MV[ HBT P BHVBo MB TFHVSJ EBE oSFGPS[BS QJMBSFT P NV SPT QPS EFGJDJFODJBo Z DPO MB OFDFTJEBE EF JOTUBMBS JO GSBFTUSVDUVSBT EF UFMFDP NVOJDBDJPOFT RVF QFSNJ UBO FM BDDFTP B JOUFSOFU

36%

1SÊTUBNP 'BNJMZ &M DSÊEJUP QVFEF BTDFOEFS IBT UB MPT FVSPT DPO VO QF SJPEP EF BNPSUJ[BDJÓO RVF BM DBO[B MPT BÒPT 5BNCJÊO TF QVFEF TPMJDJUBS QBSB MB SFOPWB DJÓO EF NVFCMFT

Por gusto, quería cambiar algo de mi hogar

¿A través de qué medio de pago ha hecho frente al gasto de la reforma en los últimos 12 meses? QFDUP B MB FEBE -BT HSBOEFT QFDUP B MB FEBE -BT HSBOEFT PCSBT FO FM IPHBS TF EBO NÆT FOUSF MPT KÖWFOFT DPO FEBEFT FOUSF MPT KÖWFOFT DPO FEBEFT DPNQSFOEJEBT FOUSF MPT Z BÕPT ZB RVF FO FTUF TFHNFOUP EF MB QPCMBDJÖO FT NÆT IBCJUVBM MB DPNQSB EF WJWJFOEB EF TF HVOEB NBOP HVOEB NBOP &O DVBOUP BM NFEJP EF QBHP &O DVBOUP BM NFEJP EF QBHP NÆT DPNÜO FT FM FGFDUJWP DPO NÆT DPNÜO FT FM FGFDUJWP DPO jEJOFSP BIPSSBEPx TFHÜO BQVOUBO EFTEF $FUFMFN &O VO TFHVOEP UÍSNJOP TF SFDVSSF B MB GJOBODJBDJÖO Z FO UFSDFS MV HBS B MB UBSKFUB EF EÍCJUP &O FM ÜMUJNP FKFSDJDJP MB PQDJÖO RVF NÆT IB DSFDJEP FT MB EF TP MJDJUVE EF GJOBODJBDJÖO -B NB ZPSÑB EF MPT CBODPT UJFOFO QSP EVDUPT BEFDVBEPT QBSB FTUF GJO EVDUPT BEFDVBEPT QBSB FTUF GJO QSJODJQBMNFOUF TF USBUB EF QSÍTUBNPT QFSTPOBMFT DPO JO UFSFTFT RVF SPOEBO FM 6OP EF MPT FGFDUPT EJSFDUPT QPTJUJWPT RVF UJFOF FM IBDFS SF GPSNBT FO MB WJWJFOEB FT FM JO DSFNFOUP EF TV WBMPS 4FHÜO DSFNFOUP EF TV WBMPS 4FHÜO */( MPT BSSFHMPT NÆT IBCJUVB MFT TF MMFWBO B DBCP FO FM CBÕP Z MB DPDJOB %FTQVÍT MBT PCSBT RVF TF SFBMJ[BO DPO NÆT GSF DVFODJB TPO FM DBNCJP EF TVF MPT EF QVFSUBT EF WFOUBOBT MPT EF QVFSUBT EF WFOUBOBT QJOUBS MBT QBSFEFT P FMJNJOBS MPT UBCJRVFT $PO FTUF UJQP EF NFKPSBT MB FOUJEBE GJOBODJFSB DBMDVMB RVF MB DBTB TF QVFEF SF WBMPSJ[BS FOUSF VO Z VO WBMPSJ[BS FOUSF VO Z VO

Efectivo (dinero propio ahorrado)

74% 59% Financiación

15%

$SÊEJUP 1VFEFT .ÃT #BOLJB DPODFEF VO NÃYJNP EF FVSPT Z VOB BNPSUJ[B DJÓO EF BÒPT B VO UJQP EF JOUF SÊT GJKP P WBSJBCMF 4F QVFEF QPTQPOFS IBTUB VO EFM DB QJUBM IBTUB WFODJNJFOUP

21% Tarjeta de débito

17% 14% Tarjeta de crédito fin de mes

8% 5% Tarjeta de crédito revolving

1% 1%

2015

2016

1SÊTUBNP &YQBOTJÓO -B FOUJEBE SFTQPOEF FO IP SBT TPCSF MB DPODFTJÓO EFM DSÊEJUP RVF QVFEF MMFHBS B MPT EPSFT NVZ WBMPSBEPT QPS MPT DSÊEJUP RVF QVFEF MMFHBS B MPT EPSFT NVZ WBMPSBEPT QPS MPT DMJFOUFT Z QPUFODJBMFT DPNQSB FVSPT 1PTJCJMJEBE EF BQMB[BS FM QBHP FO MPT EPSFT EF DBTBT 1BSB HVTUPT MPT DPMPSFT 1F QSJNFSPT NFTFT

Fuente: Encuesta Observatorio Cetelem Consumo España 2016, Nielsen 2015

(& (&

) %& 1&%30

-B SFBDUJWBDJÖO EFM DPOTVNP TF EFKB OPUBS FO MBT PCSBT EFM IPHBS 1BSB QBHBSMBT TF FDIB NBOP EF MB IVDIB QBHBSMBT TF FDIB NBOP EF MB IVDIB QFSP BVNFOUB MB GJOBODJBDJÖO

64%

48%

SP BOUF UPEP MP RVF IBZ RVF FWJ

UBS TPO MPT FSSPSFT 'PUPDBTB EF SFWBMPSJ[BDJÓO EF MB WJWJFO UBS TPO MPT FSSPSFT 'PUPDBTB EF SFWBMPSJ[BDJÓO EF MB WJWJFO EB QVFEFO MMFHBS B TVQPOFS MBT EFTDSJCF DVÆMFT TPO MPT NÆT IB PCSBT EF NFKPSB CJUVBMFT OP GJKBS VO QSFTVQVFT

1PS FM DPOUSBSJP TJ OP TF FGFDUÜB OJOHVOB NPEJGJDBDJÖO TF EF QSFDJB VOB NFEJB EFM BM BÕP %F GPSNB QBSBMFMB FO MB XFC %F GPSNB QBSBMFMB FO MB XFC QJTPT DPN EFTUBDBO RVF FM BJT MBNJFOUP UÍSNJDP Z BDÜTUJDP MBNJFOUP UÍSNJDP Z BDÜTUJDP TPO EPT GBDUPSFT EJGFSFODJB

UP OP JOWFSUJS MP TVGJDJFOUF FO CBÕPT Z DPDJOBT EFKBSTF MMF WBS QPS MBT UFOEFODJBT P MPT HVT UPT QFSTPOBMFT QVFEFO OP FT UBS BDPSEFT DPO GVUVSPT DPN QSBEPSFT BIPSSBS FO NBOP EF QSBEPSFT BIPSSBS FO NBOP EF PCSB JHOPSBS MB FGJDJFODJB FOFS HÍUJDB Z OP DVNQMJS DPO MB MFHJT MBDJÖO WJHFOUF ●

1SÊTUBNP (FOFSBM 1SÊTUBNP (FOFSBM FVSPT B VO QMB[P NÃYJ NP EF BÒPT FT MP RVF GBDJMJUB FM 1PQVMBS QBSB IBDFS SFBMJEBE 1PQVMBS QBSB IBDFS SFBMJEBE iMPT TVFÒPTw EF TVT DMJFOUFT 3FCBKB FM UJQP EF JOUFSÊT TJ TF DPOUSBUBO PUSPT QSPEVDUPT

+VFWFT EF NBZP EF 20MINUTOS +VFWFT EF NBZP EF S MIBOLSILLO

9EDIKCE BË:;H;I :;B C;H97:E ;B CKD:E :; B7I :EI HK;:7I -" $-"7&

6O NFSDBEP NVZ DBTUJHBEP QPS MB DSJTJT Z H Q Evolución del mercado en España (datos excluyendo los cuadriciclos)

TOTAL: 43.483

395.653

Las 10 marcas más vendidas (ene-abr 2017)

Honda

83,23%

Yamaha

5.156

Kymco

(36.190) Motocicletas

3.563

BMW 171.304 102.580

2007 08

3.199

Piaggio

2.917

Kawasaki Sym

(5.521) (658) (631) (483) 1,70% 1,51% 1,45% 1,11% Ciclomotores Cuatr. pesados Cuatriciclos ligeros Triciclos

7.533

2.327 1.641

Los 10 modelos más vendidos (ene-abr 2017)

Honda SH 125

1.781

Kymco Agility City 125

1.509

Honda PCX 125 Yamaha NMAX 125

1.320 1.047

Honda Forza 1255 722 Yamaha X-MAX 125 711 Piaggio Libertyy IGET ABS 654

Suzuki 1.380

Kymco Super D Dink 125 652

KTM 1.048

Piaggio Medle Medley ey 125 617

Du cati 691 Ducati

Kymco Kymc co Super Dink 350 260

Fuente: MSI, proveedor oficial de información del mercado español para ANESDOR, elaboración propia

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60% 34% Radio analรณgica

47% 20% Ipod/MP3

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-4.054 -3.936

-3.936

2016

2017

IMPUESTOS DIRECTOS (total)* * En esta categorรญa se incluyen, ademรกs de los tres anteriores, tambiรฉn los impuestos medioambientales y otros.

17.135

16.457 7.902

511

ALQUILER DE VIVIENDA

Impuesto de sociedades

CAMBIOS FAMILIARES

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651

2017

Impuesto sobre el valor aรฑadido

9.180

2016

2017

3.156

3.143 1.516

1.490

2016

4.671

4.633

7.836

2016

2017

IMPUESTOS INDIRECTOS (total)*

TOTAL GENERAL*

* En esta categorรญa se incluyen, ademรกs de los dos anteriores, los Impuestos sobre primas del seguro, trรกfico exterior y otros

*Directos, 40.000 indirectos, tasas y otros

24.666

23.112 12.454 10.658

13.675

2016

Estado

22.019 20.171

2016

2017

10.992

2017

Administraciones territoriales

Fuente: Agencia Tributaria

SFQBSUJS B QBSUFT EFTJHVBMFT FOUSF UPEPT 4J QPS FM DPOUSBSJP TVCJNPT VO TFSร O NJMMPOFT o TFSร O NJMMPOFT o NJMMPOFT EF FVSPT Nร To NJMMPOFT EF FVSPT Nร To 3BKPZ EJTQBSBCB DPO 3BKPZ EJTQBSBCB DPO JOGPSNBDJร O QSJWJMFHJBEB JOGPSNBDJร O QSJWJMFHJBEB 6OB TFNBOB Nร T UBSEF MB $POUBCJMJEBE /BDJPOBM $POUBCJMJEBE /BDJPOBM BSSPKBCB RVF FO FM QSJNFS USJNFTUSF EFM Bร P FM 1*# BVNFOUร VO VOB Eร DJNB Nร T RVF MPT EPT USJNFTUSFT BOUFSJPSFT %F NBOUFOFSTF FM SJUNP B GJOBM NBOUFOFSTF FM SJUNP B GJOBM

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(FTUIB SFDPNJFOEB DPNQSPCBS MPT JOHSFTPT ZB RVF QVFEFO FYJTUJS BMHVOPT RVF OP DPOT UFO FO FM CPSSBEPS DPNP QFO TJPOJTUBT SFUPSOBEPT RVF DP CSBO EF MB 4FHVSJEBE 4PDJBM FY USBOKFSB P JOHSFTPT BUร QJDPT GVFSB EF MB Oร NJOB 1FSP UBN CJร O BMHVOPT HBTUPT RVF EFCFO TFS JODMVJEPT EJSFDUBNFOUF DP NP DVPUBT TJOEJDBMFT MPT HBTUPT FO EFGFOTB KVSร EJDB FUDร UFSB

1MBO 1*7& Z PUSBT HBOBODJBT PUSBT HBOBODJBT &O NVDIBT PDBTJPOFT

42.190

20.787 19.213

RENDIMIENTOS DEL TRABAJO

(FOFSB JNQVUBDJร O EF SFOUBT JONPCJMJBSJBT VO QSFTVOUP JO HSFTP FTUJNBEP TFHร O VO QPS DFOUBKF EFM WBMPS DBUBTUSBM )BZ RVF DPNQSPCBS RVF TPO DPSSFD UBT QVFT B WFDFT JODMVZFO WJ WJFOEBT RVF TF IBO WFOEJEP โ

Impuestos especiales

11.265

&M BEJร T B MB EFEVDDJร O FTUB UBM QPS FM BMRVJMFS EF MB WJWJFO EB IBCJUVBM OP BGFDUB B UPEPT EB IBCJUVBM OP BGFDUB B UPEPT MPT DPOUSJCVZFOUFT TPMP B MPT MPT DPOUSJCVZFOUFT TPMP B MPT RVF GJSNBSPO TVT DPOUSBUPT B QBSUJS EFM EF FOFSP EF QBSUJS EFM EF FOFSP EF "EFNร T IBZ RVF FTUBS QFO EJFOUF EF MBT EFEVDDJPOFT BV UPOร NJDBT UPOร NJDBT

VIVIENDAS Y LOCALES VACร OS ร

19.101

17.618 10.103 7.515

8.555 651

2016

7.955

) %& 1&%30

>79?;D:7 DE ;I H;IFEDI78B; :; IKI EC?I?ED;I

DEDUCCIONES AUTONร MICAS ร

-" $-"7&

Total

EF Bร P TF QPESร B DSFDFS VO SFQJUJFOEP EBUPT EF Z Z &TQBร B TFHVJSร B FO DBCF[B EF MB 6& "IPSB QBTFNPT B MPT AQFSPT " NJ FOUFOEFS DSFDFS FT CVFOP QFSP TJSWF EF QPDP TJ OP TVQPOF DSFBS FNQMFP TJ OP TVQPOF DSFBS FNQMFP : BRVร MPT Tร OUPNBT TPO DPOUSBEJDUPSJPT -B &1" RVF DPOUSBEJDUPSJPT -B &1" RVF FT VOB FODVFTUB SFBMJ[BEB QPS FM */& BSSPKB RVF FO MPT USFT QSJNFSPT NFTFT EFM Bร P USFT QSJNFSPT NFTFT EFM Bร P TF IBO QFSEJEP TF IBO QFSEJEP FNQMFPT $JFSUP RVF IB EFKBEP GVFSB MB 4FNBOB 4BOUB &O DBNCJP MPT EBUPT EFM EFTFNQMFP SFHJTUSBEP EFM EFTFNQMFP SFHJTUSBEP QFSTPOBT BQVOUBEBT FO MBT QFSTPOBT BQVOUBEBT FO MBT PGJDJOBT EF FNQMFP EFM NFT PGJDJOBT EF FNQMFP EFM NFT EF BCSJM NBSDBO VO EFTDFOTP EF BCSJM NBSDBO VO EFTDFOTP

MPT DPOUSJCVZFOUFT PMWJEBO EFDMBSBS MBT HBOBODJBT QBUSJ NPOJBMFT MP RVF MMFWB BQBSF KBEP TV DPSSFTQPOEJFOUF TBODJร O &TUP TVFMF QBTBS TP CSF UPEP DPO MBT WFOUBT EF JONVFCMFT P BDDJPOFT MBT BZVEBT PGJDJBMFT EFM 1MBO 1* 7& QBSB MB DPNQSB EF VO WFIร DVMP P DPO MBT BZVEBT ZVEBT QPS BERVJTJDJร O EF WJWJFOEB 5BNCJร O IBZ RVF BOPUBS RVF VF TJ TF PQUB QPS MB FYFODJร O EF F MBT HBOBODJBT EF MB WFOUB FT B DPOEJDJร O EF SFJOWFSUJS

EF DBTJ QBSBEPT NFOPT Sร DPSE IJTUร SJDP NFOPT Sร DPSE IJTUร SJDP 1FSP ZP RVJFSP TFร BMBS EPT EBUPT RVF NF SFTVMUBO FTQFDJBMNFOUF QSFPDVQBO UFT &O MPT DVBUSP QSJNFSPT UFT &O MPT DVBUSP QSJNFSPT NFTFT EFM Bร P MBT DPNQSBT NFTFT EFM Bร P MBT DPNQSBT EF UVSJTNPT QPS QBSUJDVMBSFT EF UVSJTNPT QPS QBSUJDVMBSFT BQFOBT IBO DSFDJEP VO F JODMVTP FO FM DBTP EF MBT JODMVTP FO FM DBTP EF MBT NPUPDJDMFUBT IBO EFTDFOEJ EP VO SFTQFDUP BM NJTNP EP VO SFTQFDUP BM NJTNP QFSJPEP EF 4PO CJFOFT EVSBEFSPT NVZ DBSPT RVF TF VUJMJ[BO DPNP DBSPT RVF TF VUJMJ[BO DPNP JOEJDBEPSFT EF MB GPSUBMF[B EFM DPOTVNP 4J MB DPTB WB CJFO TF DPNQSBO Z TJ WB NBM CJFO TF DPNQSBO Z TJ WB NBM OP -FKPT EF NJ JOUFODJร O TFS BHPSFSP QFSP DPOWJFOF BHPSFSP QFSP DPOWJFOF DPOUBSMP UPEP โ

+VFWFT EF NBZP EF ย 20MINUTOS +VFWFT EF NBZP EF ย S MIBOLSILLO

8?;D;IJ7H IEIJ;D?8B; 8?;D;IJ7HIEIJ;D?8B;

Contenido elaborado en colaboraciรณn con

"MUFSOBUJWBT EF DPOTVNP SFTQFUVPTBT DPO FM NFEJP BNCJFOUF Z DPO FM CPMTJMMP

MBT Nร T EFTUBDBEBT FT FM BIP SSP RVF TVQPOF ZB RVF FT Nร T FGJDJFOUF RVF MBT DPDJOBT FMร D USJDBT 1PS PUSP MBEP FTUF UJQP EF FOFSHร B QFSNJUF VO NBOF KP DPNQMFUP EFM GVFHP Z VO BNQMJP BCBOJDP EF QPTJCJMJ EBEFT QBSB DPOTFHVJS UFYUV SBT Z TBCPSFT SBT Z TBCPSFT

-PT GPHPOFT QFSNJUFO DPOUSPMBS DPO QSFDJTJร O MB UFNQFSBUVSB (53&4

=7I D7JKH7B 7JKH7B F7H7 BEI EI FB7JEI Cร I ร I ;N?=;DJ;I -BT DPDJOBT EF HBT -BT DPDJOBT EF HBT OBUVSBM TPO Nร T OBUVSBM TPO Nร T FDPOร NJDBT RVF PUSBT FDPOร NJDBT RVF PUSBT FOFSHร BT 1FSNJUFO KVHBS DPO MPT TBCPSFT Z UFYUVSBT EF MPT QMBUPT

PND 1/%! NJOVUPT FT ! N.J#PMTJMMP $PDJOBS DPO MPT GPHPOFT EF $PDJOBS DPO MPT GPHPOFT EF HBT FT VO BSUF QBSB UPEPT MPT HBT FT VO BSUF QBSB UPEPT MPT BNBOUFT EFM BSUF DVMJOBSJP Z GBDJMJUB FM USBCBKP B UPEP UJQP GBDJMJUB FM USBCBKP B UPEP UJQP EF DPDJOFSPT 5BOUP FO MPT IP HBSFT DPNP FO MPT MPDBMFT EF HBSFT DPNP FO MPT MPDBMFT EF SFTUBVSBDJร O FM HBT OBUVSBM FT SFTUBVSBDJร O FM HBT OBUVSBM FT VOB PQDJร O RVF QSFTFOUB QSFTFOUB Nร MUJQMFT WFOUBKBT 6OB EF

-" $-"7&

"IPSSBS DPO Q R QFRVFร PT HFTUPT H Tapar las cacerolas. 4F cacerolas. 4F SFDPNJFOEB UBQBS MBT TBS UFOFT Z PMMBT QBSB BQSPWF DIBS MB FOFSHร B Ollas a presiรณn. 4J VUJMJ [BNPT PMMBT Sร QJEBT P B QSFTJร O QPEFNPT SFEVDJS FM DPOTVNP FOFSHร UJDP FM DPOTVNP FOFSHร UJDP IBTUB VO Diรกmetro amplio. 6TBS PMMBT Z TBSUFOFT RVF UFO HBO VO EJร NFUSP BMHP TV QFSJPS B MB TVQFSGJDJF EF MB QMBDB IBDF RVF MB DPD DJร O TFB Nร T Sร QJEB Z DJร O TFB Nร T Sร QJEB Z RVF TF MMFHVF B BIPSSBS VO Calor residual. 4F BDPO TFKB BQBHBS FM IPSOP QPDP BOUFT EF UFSNJOBS MB DPD DJร O QBSB BQSPWFDIBS UP EP FM DBMPS HFOFSBEP

$POUSPM DPNQMFUP EF MB $POUSPM DPNQMFUP EF MB UFNQFSBUVSB " EJGF

SFODJB EF PUSBT FOFSHร BT FM HBT OBUVSBM QFSNJUF DPOUSPMBS FO UPEP NPNFOUP F JONFEJB UBNFOUF MB UFNQFSBUVSB EF DPDDJร O "Tร TF QVFEF KVHBS DPO VOB DPDDJร O Nร T Sร QJEB DPO VOB DPDDJร O Nร T Sร QJEB P Nร T MFOUB TFHร O FM QMBUP MP RVF GBDJMJUB DPOTFSWBS UP EBT MBT WJUBNJOBT Z QSPUFร OBT EF MPT BMJNFOUPT TJO QFSEFS FM EF MPT BMJNFOUPT TJO QFSEFS FM DPMPS MB UFYUVSB MB DPOTJTUFO DJB P FM TBCPS %F IFDIP MB JO USPEVDDJร O EFM HBT OBUVSBM FO MBT DPDJOBT TVQVTP UPEP VO DBNCJP FO FM TFDUPS DVMJOBSJP QPSRVF PGSFDJร B MPT DPDJOF SPT oUBOUP FO MB BMUB DPDJOB SPT oUBOUP FO MB BMUB DPDJOB DPNP FO MPT IPHBSFTo VO NB DPNP FO MPT IPHBSFTo VO NB ZPS EPNJOJP "Tร TF DPOTJHVF RVF MB WBSJBDJร O EF MB UFN QFSBUVSB TFB Nร OJNB DPOTJ HVJFOEP RVF FTUPGBEPT Z PUSBT DPDDJPOFT EF QFSJPEPT PUSBT DPDDJPOFT EF QFSJPEPT QSPMPOHBEPT QSFTFOUFO VO SF TVMUBEP ร QUJNP TVMUBEP ร QUJNP

DJOB FMร DUSJDB -P NJTNP TV DFEF EFOUSP EF MBT DBTBT MBT DFEF EFOUSP EF MBT DBTBT MBT DPDJOBT B HBT TPO Nร T FGJ DJFOUFT RVF MBT FMร DUSJDBT BVORVF FTUBT ร MUJNBT TFBO BVORVF FTUBT ร MUJNBT TFBO MBT Nร T DPNVOFT MBT Nร T DPNVOFT

'PHPOFT Nร T QPUFOUFT

-BT FODJNFSBT EF HBT OBUVSBM QVFEFO JODPSQPSBS OBUVSBM QVFEFO JODPSQPSBS GPHPOFT EF BMUB QPUFODJB &M DPDJOFSP TF QVFEF BQSPWF DIBS EF FTUB DBSBDUFSร TUJDB EF WBSJBT GPSNBT QPS FKFNQMP DPO BMJNFOUPT GSJUPT RVF RVF EFO Nร T DSVKJFOUFT ZB RVF EFO Nร T DSVKJFOUFT ZB RVF FM BDFJUF TF DBMJFOUB DPO SB QJEF[ Z NBOUJFOF MB UFNQFSB UVSB TJO RVF TFBO OFDFTBSJPT UJFNQPT EF SFDVQFSBDJร O MBS HPT "EFNร T FTUB QBSUJDVMB SJEBE TVQPOF VO BIPSSP BEJ DJPOBM QVFTUP RVF TF SFUBS EB MB EFHSBEBDJร O EFM BDFJUF EB MB EFHSBEBDJร O EFM BDFJUF

-" $*'3"

(& (&

6O IPSOP DPO Nร T QPTJ CJMJEBEFT &M HBT OBUV

%PNJOJP TPCSF FM DBMPS

5FDOPMPHร B Nร T Dร NP EB Z NPEFSOB &M VTP EB Z NPEFSOB &M VTP

SBM UBNCJร O FT VOB FOFSHร B JEร OFB QBSB FM IPSOP 4V QSJO DJQBM BUSJCVUP FO FTUF DBTP FT DJQBM BUSJCVUP FO FTUF DBTP FT RVF EFTQSFOEF WBQPS EF BHVB Z DSFB VOB BUNร TGFSB Iร NFEB EFOUSP EFM IPSOP MP RVF GB DJMJUB RVF MPT BMJNFOUPT OP TF DJMJUB RVF MPT BMJNFOUPT OP TF SFTFRVFO BEFNร T EF TFS Gร DJM Z Dร NPEP EF VUJMJ[BS QBSB UP EP UJQP EF VTVBSJPT EP UJQP EF VTVBSJPT

0USB EF MBT DVBMJEBEFT 0USB EF MBT DVBMJEBEFT RVF UJFOF FM HBT OBUVSBM FO FM IPSOP FT MB DBQBDJEBE EF SFEVDJS FM UJFNQP EF QSFDB MFOUBNJFOUP Z SFDVQFSBS MB UFNQFSBUVSB JOUFSJPS EFT QVร T EF BCSJS MB QVFSUB FWJ UBOEP BMUFSBDJPOFT FO FM QSP DFTP EF DPDDJร O "EFNร T EF DFTP EF DPDDJร O "EFNร T EF GBDJMJUBS FM USBCBKP BM DPDJOF SP FTUB DBSBDUFSร TUJDB BIP SSB BM OP EFTBQSPWFDIBS MB SSB BM OP EFTBQSPWFDIBS MB FOFSHร B FOFSHร B

EF FTUB FOFSHร B FO DBTB SFTVM UB Nร T FDPOร NJDP TJO RVF FT UB WFOUBKB TVQPOHB SFOVODJBS EF BIPSSP QPEFNPT DPOTF HVJS TJ VUJMJ[BNPT PMMBT DPO VO B VOB UFDOPMPHร B Gร DJM EF VTBS Z B MB ร MUJNB NPEB "Tร MPT EJร NFUSP TVQFSJPS B MB QMBDB OVFWPT EJTFร PT EF FODJNFSBT OVFWPT EJTFร PT EF FODJNFSBT Z IPSOPT QSFTFOUBO VOB FTUร 4JTUFNBT EF TFHVSJEBE UJDB RVF TJHVF MBT UFOEFODJBT "IPSSP FO MPT IPHBSFT "IPSSP FO MPT IPHBSFT $PO FM GJO EF HBSBOUJ BDUVBMFT FO EFDPSBDJร O Z FN Z FO MB SFTUBVSBDJร O &M [BS MB TFHVSJEBE EF UPEPT QMFB DPMPSFT GPSNBT Z NBUF TFDUPS IPTUFMFSP FT DPOTDJFO MPT NJFNCSPT EFM IPHBS FO SJBMFT RVF BDUVBMNFOUF TF FO UF EFM BIPSSP FDPOร NJDP RVF MBT FODJNFSBT EF HBT OBUV DVFOUSBO EF NPEB DVFOUSBO EF NPEB DPOMMFWB MB JOTUBMBDJร O EF DP SBM TF IB JOTUBMBEP VOBT Wร M DJOBT EF HBT OBUVSBM Z QPS WVMBT RVF DPSUBO FM QBTP EF 3FTQFUP QPS FM NFEJP BNCJFOUF 6OB DPDJOB FMMP SFTUBVSBOUFT Z CBSFT HBT TJ MB MMBNB TF BQBHB BNCJFOUF UJFOEFO B PQUBS QPS FMMBT &T BDDJEFOUBMNFOUF BDDJEFOUBMNFOUF EF HBT OBUVSBM FT Nร T FGJDJFO UF UJQP EF FOFSHร B QFSNJUF UF RVF VOB FMร DUSJDB Z QPS PCUFOFS MB QPUFODJB EFTFB $PDJOBT JOEVTUSJBMFT &M &M UBOUP NFOPT QFSKVEJDJBM QB EB BM NPNFOUP QPS MP RVF TF HBT OBUVSBM FT VOB SB FM NFEJP BNCJFOUF 4F USB BQSPWFDIB UPEP FM DPNCVTUJ FOFSHร B JEร OFB QBSB MBT DP UB EF VO TJTUFNB RVF FNJUF UB EF VO TJTUFNB RVF FNJUF CMF "EFNร T FO MPT MPDBMFT CMF "EFNร T FO MPT MPDBMFT DJOBT JOEVTUSJBMFT QPS FKFN NFOPT $0 EJร YJEP EF DBS DVMJOBSJPT EPOEF TF UJFOFO QMP EF IPUFMFT P SFTUBVSBOUFT CPOP ร YJEP EF OJUSร HFOP MPT GPHPOFT FODFOEJEPT EV RVF OFDFTJUBO VO BMUP SFOEJ /09 Z EJร YJEP EF B[VGSF SBOUF NVDIP UJFNQP FM BIP NJFOUP Z VOBT QSFTUBDJPOFT 40 RVF PUSBT FOFSHร BT Z SSP FT NBZPS GSFOUF B PUSP UJ NVZ GJBCMFT ZB RVF DVFOUBO QFSNJUF B MPT IPHBSFT Z B MPT QP EF PQDJPOFT DPNP MBT DPO VOB HSBO WBSJFEBE EF EF SFTUBVSBOUFT TFS Nร T MJNQJPT EJGFSFOUFT WBSJFEBEFT EF DP FRVJQPT EF DPDDJร O FOFSHร UJDBNFOUF โ FOFSHร UJDBNFOUF