UMthetho: ubungakanani yomhlalaphantsi zisezantsi

I-Pension ngoku a elungileyo inkxaso yoluntu evela kurhulumente, ngoko ke wavuya kangaka abaninzi abadala. Enyanisweni, yabo ebudaleni, kuba nzima ukusebenza kwaye ukusebenzela urhulumente. Ngoko ke, oko yenzelwe kwaye ibalwa yonke pension kunye neentlobo ezinokuba Andamkeli umhlala ethubeni.

Ochaphazela ukubalwa kwezibonelelo zomhlalaphantsi?

Ukuba akuso ayikho kakhulu umntu, ngoko lunconywayo afikelele kwiminyaka ethile, uya kufumana isixa ubuncinane endala-inkamnkam. Ukuba akuso abantu lisekhona emva kwakhe, yena Qinisekisa ukuba uzibuze lo mbuzo: "? Liliphi yomhlala ndingaba na ibango, yaye yintoni ubukhulu zixhomekeke"

Ziziphi iintlobo pension ezikhoyo eRashiya?

Masiqalise nesibakala sokuba mhlala kuhlawulwa kuphela emva kokuba indoda eneminyaka engama-60 ubudala, nabakhonzazana engama-55 ubudala. Kukho iintlobo ezininzi kwentlawulo:

• Retirement pension, njengoko kukhankanyiwe ngasentla, luhlawulelwe ubude nkonzo xa ubudala buthile.
• Ukukhubazeka pension. Ubukhulu benani le pension yokukhubazeka liya kuxhomekeka kakhulu kwi qela.
• Pension eziphathelene abasindileyo. Ku yabelwa abemi abo ngaphambili ixhomekeke kudweliso ngoku ongasekhoyo.
• Pension, nto leyo wabelwa ukuba abemi abangenazo amava emsebenzini.
• Pensions zanikezelwa iindidi ezithile abantu - kwabasebenzi zomkhosi, amagosa karhulumente, oosomajukujuku abachatshazelwa radiation, njl

Isixa yomhlalaphantsi eRashiya okwangoku

Ngoko ke yintoni na ubungakanani pension zisezantsi eRashiya namhlanje? Okokuqala kuxhomekeke kwi ubuncinane sokutya kuloo ngingqi okanye ummandla apho umhlala ahlala kwaye ubhaliswe kwindawo ahlala kuyo.

Ngeendlela ezininzi, izibonelelo kufuneka imizi emikhulu, elikomkhulu kunye ummandla wayo. Ubukhulu benani pension e Moscow, kuya kuxhomekeka kwi umgangatho wokuphila, amaxabiso kunye nomgaqo-nkqubo komzi, kwakunye lizwe. Kufuneka kuqatshelwe ukuba inani lwepenshini kulo meko iya kuba phezulu kakhulu imali ehlawulwa kwizixeko amancinane okanye kwiindawo ukuba kude eyinkunzi.

Ubukhulu Iintlawulo zomhlalaphantsi akakwazi njalo ukubamba abantu

Ubukhulu becala, ubungakanani pension zisezantsi akusoloko bekhululekile nabantu. Ngenxa yokuba ukuba kunokubakho ingxaki lo msebenzi, ngokufuthi ummi nje Angekhe wakusebenzela ngokwakhe onamava, nto leyo eza kuchaphazela ubungakanani yomhlalaphantsi wakhe abahlawulwa ngurhulumente xa ubudala buthile.

Kodwa akukho namnye oya kuba nako ukubhena ubungakanani pension yabo ngenxa yokuba kuthathwa elide kakhulu eyadlulayo. Ukongeza, kule nkqubo, saya abahlalutyi ezizodwa zemali kunye neengcali Russian. isixa ubuncinane ye pension ayikwazi kutshintshwa kanye oko. Noko ke, eli nani likhulu izinto ezichaphazela ukuba bathathe inxaxheba ekukhuthazeni uqoqosho zeli lizwe liphela.

Kule meko, kukho imeko efanayo?

Kufuneka siqonde eyodwa elula. Ubomi emizini apho labemi ingaphezulu million mnye, kuba kakhulu kubiza ngaphezu kokuhlala kwiidolophu ezincinane. Kungenxa yoko le nto iindleko zokuphila kwezi ndawo iphezulu. Ngako oko, amaxabiso imveliso nje ezincinane, singasathethi iindleko zohambo kunye eziluncedo. Kuloo mizi, apho ibekwe kude kwikomkhulu, amaxabiso iinkonzo kunye neemveliso ababhalisiweyo angaphantsi kakhulu. Ngenxa yesi sizathu, singatsho ukuba ipension ubuncinane ziya kwahluka.

Xa ithuba izongezo zentlalo eqhelekileyo?

Noko ke, lo mthetho uyilwayo nanjengokwesimo, ngokoko athe umntu singaqamela ngazo sikuthembe zentlalo kunye neentlawulo ezongeziweyo kwi imeko xa imali ye pension lincinane lingaphantsi kwe-mvuzo omncinane wezomthetho. Intlawulo elongezelelweyo yenziwe ubungakanani ezinjalo, oko kwanele ukuba intlawulo pension ukuya ubungakanani echanekileyo. Isixa-mali eyongezelelweyo imali iphuma kwibhajethi federal.

iinzuzo zomhlala olunemiqathango yahlulwe kabini

Retirement lungahlulwa-hlulwa ibe ziinxalenye ezimbini. Ukongeza iintlawulo, ezo zibanjwa xa ubudala buthile, umntu imali ukuze aphezulu. Ngenxa yoko, imali ye pension wahlulwe ube yokugcina ne-inshorensi. Ukuze alungise kwisixa lokugqibela lweentlawulo zomhlalaphantsi, kufuneka usebenzise izixhobo ezikhethekileyo - calculator. Kuye wadala ngqo le njongo.

Ngaba kunokwenzeka ukwandisa iintlawulo zomhlalaphantsi?

Kukho ezinye iimeko ukuba kusekho enokuba nempembelelo ubungakanani pension isezantsi eRashiya.

1. Ukuba ufumana inxalenye yomhlalaphantsi into sikwalathisa ngokunxulumene nenye.
2. Ukuba kukho abantu abaxhomekeke ngayo umhlala.
3. Ukuba phezu kokuthatha umhlala-phantsi loo mntu akayeki ukusebenza. Ngaloo ndlela akunyusi kuphela inxalenye pension yabo, nto leyo ngemali, kodwa inshorensi.

I-Pension zisezantsi namhlanje

Ukuze umntu zibhaliwe yomhlala-phantsi ubuncinane, baya kucelwa ukuba kuhlale namava seminyaka emihlanu-msebenzi. Ngenxa yoku, kwaye ziya kwenziwa yonke zibalo irhafu kuyimfuneko, leyo zigqithiselwe kwi-akhawunti State ngexesha zokufumana umvuzo.

Kwimeko apho elona xesha lincinane umntu ayifumaneki, umntu ufikelela engama-65 ubudala baya kuqalisa ukufumana impahla minimum benefits. Woman umhlala-phantsi kwi-mali esezantsi iya kuqalisa ukufumana emva kokuba eneminyaka engama-60.

yomhlalaphantsi obukhulu

Isixa eliphezulu ezimiselwe kwangaphambili nzima. lobukhulu balo kuchaphazela ubude yenkonzo, kwakunye nohlobo lomsebenzi zabantu kunye yobudala apho accrual iinzuzo zomhlalaphantsi ziya kubakho.

Ngokuqhelekileyo, wonke kucacile ukuba ipension ezinkulu kufuneka sisebenze nzima kakhulu, ukusebenza nzima. Ixesha elide, nto leyo nâzo encwadini yomsebenzi, kufuneka zibe nkulu ngokwaneleyo. Kuphela kulo mzekelo, iintlawulo zomhlalaphantsi uya kuba ubukhulu ezahlukeneyo ezibalulekileyo kakhulu.

endaweni yesiphelo

Ngoku uyazi into kugqiba ixabiso ye pension eRashiya. Kakade ke, akakho umntu bambalwa ukuba le miba eziphembelela ekubaleni isixa semali, lifuneka kwabafayo ukucetyiswa. Ukuba umntu akanayo amava emsebenzini, kwaye urhulumente akakwazi ukwenza intlawulo tivi. Ngoko ke, UPawulos, singatsho ukuba yonke into ezandleni zenu. Nguwe kuphela kuchaphazela ubungakanani pension yabo elizayo, yaye hayi omnye umntu. Ukuba ufuna ukubonelela ekwaluphaleni kwakhe, ngexesha ukuba bacinge ngawo khona ngoku.