A yesixa intlawulo umhlala abathembela nendlela ukuze

Wonke, eshiya kakuhle ikufanele ukubizwa iminyaka emininzi ubomi ukuphumla yabasebenzi, unelungelo elisemthethweni lokufumana umhlala-phantsi. Ngokufuthi ubungakanani Iintlawulo zomhlalaphantsi akukho esaneleyo ukuba ubukho obutofotofo. Ngoko ke, urhulumente inyanzela isinyanzelo sokuba uhlawule inzuzo esisixa-mali ukuba abadla umhlala-phantsi dopolnitelenie ngokomvuzo esisiseko ngenxa iminikelo yomhlalaphantsi.

mali imali yomhlalaphantsi (SOP) ezi ngqiqo

imali Pension - sisixa imali leyo kwi akhawunti pension zalowo ummi inxaxheba kwi-inshorensi pension mandatory kwi Pension Fund ka Russian Federation (okanye imali yomhlala yabucala). Ezi ziquka:

• isixa-inshorensi, ezidweliswe ngumqeshi lonke umsebenzi wabo ngokwemiqathango ye-inshorensi pension ezinyanzelekileyo isabelo inkxaso ye pension ngummi;
• ngokuba abantu abathatha inxaxheba kule nkqubo karhulumente co-mali ye pension - isixa-inshorensi ehlawulwa ukongeza yi inxalenye numbers ye pension; isixa iminikelo ezivela kubaqeshi abathatha inxaxheba kwiprogram ka-co-mali njenge wesithathu; isixa iminikelo zidluliselwe ukusuka mali karhulumente ukuze co-mali zokwanda yomhlalaphantsi;
• yinxalenye indlela (okanye sonke isixa) (umzali) capital usapho, ebe ejoliswe ukuyilwa SOPs;
• ingeniso evela mali zotyalo-mali echazwe apha ngasentla.

Ngoobani aba SPN

SPN kwakhiwa ngabemi, ukuba ngamalungu kwenkqubo ye-inshorensi yomhlalaphantsi mandatory wazalwa phambi 1967, waza wasebenza / ziyasebenza nangaliphi na ixesha ukususela 2001. Ezi ziquka udidi lwabantu enihleli ndikholiswe inshorensi ukwenza igalelo rhoqo ipension ngemali ngumqeshi ukususela 2001 ukuya ku-2004. Le ndoda, azalelwe ixesha ukususela ngowe-1953 ukuya 1966, yaye umfazi, umhla wokuzalwa oluba kunyaka 1957-1966.

Pension exhaswayo ifumaneka ngoomama ondithumileyo lwenkunzi maternity ukwenza i SPN, kwaye abathathi-nxaxheba yenkqubo pension co-mali karhulumente.

ezintsha eziphambili kule ndawo kweentlawulo SPN

Kutshanje, urhulumente Russian liphuhlisa umthetho, njengoko apho wonke ummi ithuba nje ukufumana umhlala-phantsi ubomi ngokuncama imali yomhlala phantsi, kodwa sithembele olunye-off uncedo loluntu. Ukongeza, umhlala nganye iya kuba nelungelo ukuvelisa Iintlawulo zomhlalaphantsi nangoko SPN, leyo kwasekwa kwi ngeendleko iminikelo yokuzithandela inshorensi.

Amathuba ukudlulisela ilungelo lokuba bafumane SPN ezihlangwini nazo ziye zanda. Kwiminyaka embalwa edlulileyo ezihlangwini bakwazi ukufumana i-SPN, kuphela ukuba ngummi inshorensi wafa ngaphambi kokuba wanikwa umhlala-phantsi. Ngokuvumelana noMthetho, ukuba ekhohlo inxalenye engahlawulwanga intlawulo pension engxamisekileyo emva kokufa ngummi zeinshorensi, ukwamkela oko singasebenzisa ezihlangwini. Innovations zakuphatha imiba yolandelelwano SPN kwenziwa ngeendleko (family) capital umzali.

Types of pension

Phantsi komthetho, wonke ummi, ngaphandle iintlawulo yobomi-mali zomhlalaphantsi, unokuthembela iintlawulo olunye-off ukuba abadla umhlala phantsi.

iinzuzo Pension zezi:

• Intlawulo yomhlalaphantsi srochnaya;
• isamba semali yentlawulo umhlala;
• SPN, ezo ebizwayo ukuba afikelele iminyaka yomhlalaphantsi;
• Unikezelo ugogo benefits ezihlangwini zakhe.

isamba semali mhlalaphantsi

ixesha-Enye intlawulo loluntu umhlala - ithuba lokufumana isabelo yomhlala ipenshoni ubomi bakho, hayi nje kuphela kweli ngohlobo iintlawulo zenyanga, kodwa isisixa esinye (kunye namalungelo athile). Kwakhona, abemi unokufumana intlawulo yepension engxamisekileyo, leyo kwamiswa ngendleko iminikelo ezongezelelweyo.

Ngubani lixhomekeke intlawulo esisixa

nentlawulo yezixa-mali zenziwe phantsi iindidi ezinjalo Abantu abaKhuselwe ngeInshorensi:

1. Abemi nokusebenzisa izibonelelo zomhlalaphantsi ngokunxulumene ukuphulukana nemali ekhaya.
2. Abantu abafumana unesiphene pension kunye umhlala abakhubazekileyo ngenxa yokugula.
3. Abemi abangazenziyo banelungelo lokufumana umhlala-phantsi ngenxa yokunqongophala amava omsebenzi, kodwa bawe phantsi kweskim yomhlalaphantsi karhulumente ngohlobo ye pension lwentlalo.

A yesixa intlawulo umhlala: obonelela

lump sum mali SPN wathwala FIU okanye NPF, kuxhomekeka apho uMntu oKhuselwe ngeInshorensi ukuhlawula izavenge ze-inshorensi. Intlawulo yezibonelelo esisixa-mali ukuya abadla lilawulwa nguRhulumente.

Uluhlu amaxwebhu afunekayo

A yesixa intlawulo umhlala kuyindlela declarative. Ukuze ufumane oko, kufuneka wenze isicelo ngqo kwi-ofisi lwengingqi Pension Fund okanye imali yomhlalaphantsi yabucala, ngokuthi angenise isicelo esibhaliweyo uze unike maxwebhu alandelayo:

• ikhadi ungubani ngummi Russian Federation;
• isiqinisekiso inshorensi yomhlalaphantsi esisinyanzelo;
• isiqinisekiso esikhutshwe ngumhloli lesebe lwengingqi RPF,-inshorensi kunye isixa umhlalaphantsi yomhlalaphantsi;
• iinkcukacha zebhanki yoguqulo iintlawulo ngexesha elinye ukusuka SPN.

Xa Ndingalufumana imali

Phantsi komthetho, isigqibo xa kuhlawulwe isixa semali esiya kuthathwa zingadlulanga ngenyanga ukususela kumhla kokungeniswa isicelo esibhaliweyo kwi Pension Fund kunye namalungiselelo amaxwebhu ayimfuneko. Ngenxa yoko entle, intlawulo yesixa ukuya abadla oluqhutywa sexesha elingadlulanga kwiinyanga ezi-2 ukusukela kumhla sigqibo. Kwimeko yokusilela ukuba amisele intlawulo, i-Pension Fund ngembalelwano yazisa ngummi isigqibo, echaza isizathu.

Ubungakanani isixa semali

Ngaxesha-iintlawulo abadla kuxhomekeke kubungakanani SPN abo kwi akhawunti yawo yomhlala phantsi, ngexesha kokutyunjwa labour pension. Abemi wazalwa phambi 1967, accruals yomhlalaphantsi kwasekwa iminyaka emithathu (2002-2004), ngoko ke isixa intlawulo ukusukela engange-5 ukuya ku-15 amawaka.

A yesixa intlawulo umhlala MIA

Abemi Russian ababegxothiwe kwinkonzo Kubulungiseleli Interior kunye ilungelo pension, babanjiswe kwirekhodi isixa semali ngexesha lenkonzo, banelungelo lokufumana intlawulo esisixa-mali yezibonelelo zentlalo.

ixesha-Enye iintlawulo ipenshini inokunikwa ngokwesicelo sabo, ukuba zamkelwe phambi Matshi 1, 2005 abhaliswe zezona zifuna ukongezelwa kweendawo zokuhlala yi ziko lingqameneyo yaseRussia Interior Ministry.

Ngoko ke, isiseko esisemthethweni ngokuwanika ngummi ngexesha elinye, uncedo loluntu ayifumaneki, ukuba MVD umhlala ayikho efolisiweyo yezindlu for contract zabasebenzi ukuqasha okanye intlawulo esisixa-mali kwi imizimba kwimicimbi yangaphakathi.

Isibonelelo umhlala nokuqhubeka umsebenzi wakhe

Wonke ummi lesithathu Russian Federation, owakhiwa kulungiselelo ipension, baqhubeka umsebenzi wakhe. Ngokuqhelekileyo, abaninzi banomdla umbuzo wokuba ingaba intlawulo yesixa mhlalaphantsi zokusebenza sithembele.

Njengomgaqo, umhlalaphansi ukusebenza iinzuzo ezisisixa-mali abangafumani. Kwimeko yokuphelisa ngenxa yokuphela komsebenzi, umqeshi kufuneka ahlawule intlawulo yokuqhawula inkonzo njengesiqhelo.

Inoku engqondweni, yonke umhlala Russian angafaka isicelo SPN. Kuba abo baya kuphela isicelo PFRF ngenjongo yokubhalwa pension zithi, nentlawulo yezixa-mali kwi ngeendleko SPN ziya kwenziwa isicelo esibhaliweyo kunye yobudala yomhlala phantsi.

Kuba isixa semali, iimeko ezimbini kufuneka kuhlangatyezwane: ngummi kufuneka nelungelo kwintlawulo endala-yobudala yomhlala-phantsi (okanye sele umhlala) kwaye kufuneka imali yomhlalaphantsi. Nangona izizathu zokwala ukuba ahlawule isixa semali e PFRF angeke. URhulumente Russian ithatha unonophelo umhlala phantsi kunye rhoqo wazisa ezintsha kwiCandelo le-nkqubo nomthetho kusenzelwa abemi abeza eholideyini, okanye ukuba ufuna into.

Kubalulekile ukuphawula ukuba uphathe inxalenye inkxaso ye pension nga umhlala nganye ngokwakho - ungayifumana esetyenziswa ukuncedisana ne-emsebenzini, okanye ukucacisa ixesha elithile lwentlawulo (sonke esi sixa siya kukhutshwa kwisithuba sonyaka okanye iminyaka emibini okanye ezintlanu), kodwa ungayifumana ngexesha elifanayo. Le ndlela yokugqibela kusilungele, ngakumbi kwiimeko apho SPN uye ubukhulu encinane.