Indlela Bala Pension ngokwakhe

Ukubala yomhlalaphantsi maxa wambi ukwenza iimpazamo. Kwenzeka kunqabile, kodwa ke kwimeko unyango umhlala enkundleni ukuba kubalwe ipension, baziwa. Indlela ukubala pension ngokwayo, ukuze siqiniseke ukuba itsalwa ngokuchanekileyo?

Imali yomhlalaphantsi kuxhomekeke yezikhundla, imivuzo iinyanga 60 ukuhlawula izavenge ze-inshorensi. Ngokusekelwe kwezi data kwaye kukho intlawulo pension.

Ukususela ngoJanuwari 2010, kukho ezintsha yokubala, ulwabiwo, nezikhokelo nokulungelelanisa ubukhulu pension. Ngokutsho Federal uMthetho "On umhlala labour" Ngoku umsebenzi yomhlala pension iquka iinxalenye ezimbini: 1) i-inshorensi kunye 2) lonyuselo. Ngaphambili, kwakukho inxenye esisiseko.

Phantsi komthetho omtsha, inxenye isiseko ziguqulwe yaba ebizwa ngokuba yi-isisombululo base ezinzileyo. Siyafana kubungakanani yomhlalaphantsi esisiseko, eziye zachongwa kwi-31 Disemba 2009. Oku kuxhomekeke kwimali esisiseko uhlobo pension kunye nodidi umhlalaphansi.

Ngo-2011, imali ye pension avareji ka-8498 engange. Kuba eMoscow eli nani kancinci eliphezulu - engange-11,000.

Indlela ukubala yomhlalaphantsi ngokusekelwe valorisation?

Namhlanje, ekubaleni pension kufuneka kuqwalaselwe valorisation - uhlolisise ixabiso lemali amalungelo yomhlalaphantsi ezifunyenwe phambi konyaka hlengiso 2002 inkamnkam. Phantse zonke umhlalaphansi ngoku unalo olu lwalamano ngqo.

Isiseko data Pension Fund iqulathe ulwazi malunga ubungakanani abemi eyinkunzi yomhlalaphantsi ngoJanuwari 1, 2002. Oku kusebenza kubo bonke abaye basebenza de-2002, kwaye uninzi.

Ukususela ngowoku-1 Januwari 2010 capital umhlalaphantsi iye iphinda phindiweyo ngo-10%. Kwakhona, imali eyongezelelweyo kuye landa nge-1% ngonyaka olongezelelweyo ngamnye inkonzo, inkunkuma 1991. umda obukhulu ayikho apha.

Ukususela ngowoku-1 Januwari 2010 valorization ndawo luqhutyelwe ngokusekelwe amaxwebhu ezifumaneka kwishishini pension.

i avareji yokunyuka kwe pension ngenxa valorization engange 1431 ngenyanga nganye. Eyona nzuzo inkulu kwezi valorization abantu abangaphezu kweminyaka engama-80.

Indlela ukubala ipenshoni ngesixa lomlingani ngamnye umhlala-(IPC)?

  Labour endala-iminyaka yomhlalaphantsi, ukukhubazeka, abasindileyo ', ukuxatyiswa kuya kuxhomekeka yokubala kunye nokusetyenziswa kwe-ICP. Esi sibonelelo wenza ngokunxulumene nabantu abasebenza ngexesha kwemvume pension yabo.

Ukuze kumiselwe ubuninzi yomhlalaphantsi ufuna umvuzo avareji ngenyanga kweli lizwe ukuze kota ku ipension uliphindaphinda ICP.

Ungabala POIs yakho ngolu hlobo. ixesha ubungakanani factor umhlala echazwe ubude inkonzo, xa iphinda phindwe umlinganiselo we computeryomndilili imivuzo yenyanga kwisithuba apho imali ye pension sibalwa, kumvuzo kumyinge kwilizwe liphela kwixesha efana.

Pension yokubala zingenziwa kwi ifomula ilandelayo:

RP = RR x SC / ST x FFP apho

SC - izinga ixesha (ukuba umntu wasebenza iminyaka engama-25 (Female -.. 20), umlinganiselo yayo = 0,55 ngonyaka ngamnye olongezelelweyo wongeza 0,01 ukuya lomlingani ratio ubuninzi inokuba 0.75).

WP - avareji umvuzo wenyanga iinyanga 60 zilandelelana.

PO - avareji umvuzo wenyanga kuba ilizwe elo xesha linye.

Qaphela ukuba umlinganiselo yemivuzo umndilili uMntu oKhuselwe ngeInshorensi kumvuzo avareji kweli lizwe (ZR / ZP) kufuneka ungabi ngaphezu kwe 1.2.

FFP --avareji yomvuzo zekota lizwe, nto leyo ivunyiwe ngesazobe Government.

Qikelela ubungakanani pension kumiselwa amadoda abo ubude iyonke engama-25 okanye ngaphezulu. Kuba namankazana, amava kufuneka ube neminyaka engama-20 ubuncinane.

Ngokufundisisa ifomula yaye ukuqonda kwanangamacandelo alo, unako ukuqonda ukuba ukubala njani yomhlalaphantsi ngokwayo.

Ukuba sukuthandabuza ukuba ngokuchanekileyo kubalwa i pension kwaye awukwazi ukubala ukuba wena, qhagamshelana ne-ofisi yesithili ye-Pension Fund. Apho uya kunikwa iinkcazo ezineenkcukacha kuyo yonke imiba.