Yintoni linqaku yomhlala? Njani na umhlala umhlala amanqaku?

imali Pension labantu abaqeshiweyo zahlulwe iinxalenye ezimbini: yolondolozo, zalungiswa. Umntu ngamnye isigqibo enoba uza kufumana intlawulo esisigxina, okanye yonke imali ithunyelwe inxalenye ezixhaswa ngemali ye pension. Le fom isetyenziselwa ukubala isixa mali, oko kuquka izinto eziliqela. Omnye wabo - iingongoma yomhlalaphantsi. Phezu kwabo kuya kuxutyushwa kweli nqaku.

izinto

Ngomhla ubungakanani yomhlalaphantsi iphenjelelwa:

• isixa ezidweliswe kwi-mali ka-inshorensi ukusuka umvuzo "white" ;
• ubudala berhafu;
• phambi lokukhubazeka, nabanye abebesondliwa nguwe;
• yokuhlala;
• ixesha umhlala-phantsi (okuqala okanye hayi);
• ngokwakha awo.

Ngowe-2017, abantu abahlala ngokusisigxina Russian Federation kwaye ngathi 12.31.16 afumane ipension, wasinika ngexesha elinye-intlawulo mali ka-5 amawaka. Hlikihla. Le mali ihlawulwe ngaphandle kokungeniswa kwesicelo kwaye ayikho ngokuxhomekeka kwirhafu yengeniso.

yokubala kwipenshoni

Imali yomhlalaphantsi zibalwa ngokungqinelana novavanyo wokubala:

Pension = R x C x R x PV + K, apho:

• P - udibaniso yonke imiba ngamnye.
• C - ixabiso lemali enye into (amanqaku).
• K - index improver kwi-inshorensi kunye nentlawulo esisigxina.
• PV - ivume intlawulo.

Esiza kuxubusha ngayo iinkcukacha nganye kwezi parameters.

lomlingani ngamnye

Pension score - ngomlinganiselo oluvavanya nyaka ngamnye notsalo engqesho esesikweni esekelwe inshorensi. Xa ukubala imihlala-2016 ithathela ingqalelo udibaniso zonke iingongoma wabutha. Ukuba umntu baya eholideyini ukuya 01.01.2015, lo algorithm ubalo yahlukile kwi-standard:

SP = alo / C, apho:

• JV - inshorensi yomhlalaphantsi.
• Alo - inshorensi yomhlalaphantsi nge 31/12/14 kungekho ntlawulo esisigxina yaye inxalenye nesixhaswa ngemali.
• C - iindleko amanqaku e-01,01. 15 (64.1 engange.).

Umdibaniso zonke iingongoma waqokelela emva 01,01. 15 = CB / CF x 10 apho:

• SV - iminikelo ukuya lokusekwa ntlawulo-inshorensi, intlawulo ngomlinganiselo we-10 okanye 16%.
• MB - Igalelo kumvuzo ubuninzi.

Njani na amanqaku yomhlala-phantsi?

Xa okuza ukubalwa zithathelwa ingqalelo ixesha ezithile ziqukiwe aphezulu. Umzekelo, ixesha ukukhathalela umntwana efikelela kwiminyaka 1.5. Umdibaniso ezi zinto idityaniswe amanqaku sele ngekhompyutha. La maxesha zithathelwa ingqalelo kuphela xa azithathelwa ngqalelo xa kubalwa ukukhubazeka pension okanye usindileyo.

Inani lamanqaku yomhlala na eziyintlanganisela kunyaka, ilinganiselwe ngumthetho yaye rhoqo ngokwandileyo (ukuya ku 2021). Nciphisa inani okuza yahlukile kwabo baye bagqiba ukwenza inxalenye ngemali yentlawulo (5.16 for 2017), kunye nabo baye ayishiya (8.26 for 2017).

eyindleko ngonyaka (01.02) ezanda ubuncinane ngexabiso index ukukhula. ngonyaka ngamnye kwi-Aprili 1, abeke amaxabiso amatsha ukuze okuza boMthetho Federal "Kwi-mali ye-RPF" kwi kunyaka owenzelwa izicwangciso. Njengoko 01.02.16 ixabiso enye indawo - 74,27 engange.

umzekelo

Makhe sibone ukuba ukubala indlela pension amanqaku ngokomgaqo wokubala:

B = (S / M) x 10 apho:

• S - isixa sentlawulo ezidweliswe kwi ukuyilwa ye pension kwi fund yomhlalaphantsi neholo lonyaka.
• M - isixa iminikelo kumvuzo ubuninzi intlawulo ngomlinganiselo we-16%.

yomvuzo womqeshwa - 30 amawaka engange .. ngalinye ngenyanga., t. e. 360 lamawaka. miri. / ngonyaka. Isiseko liphezulu 720 lamawaka Thambisani..:

720 x 0.16 = 115.2 thous. Hlikihla. - inani eliphezulu iminikelo.

Sifeza kubalwe amanqaku pension phantsi kwale miqathango ilandelayo:

• umsebenzi wakhetha kuphela umhlala-inshorensi;
• umqeshwa uye ukhethe imodeli olungumxube inshorensi.

Option 1. Amagalelo rate solution-16% yi 57.6 amawaka. Thambisani. (360 x 0.16).

B = (57,6 / 115,2) x 0.1 = 5.

Option 2: Isixa-mali kwi-10% egalelo rate-36 amawaka Thambisani.. (360 x 0.1).

B = (36 / 115,2) * 0,1 = 3,125.

intlawulo fixed

Oku kubeka imali esiluqilima ngokunxulumene inshorensi pension. Isixa intlawulo indexed kunyaka ngamnye. Njengoko ka 01/02/16 ukuba 4,56 amawaka. Thambisani. isixa sentlawulo Ukwanda ibonelelwa:

• I ikhubaziwe c.;
• abemi eneminyaka engama-80;
• abantu abasebenza okanye abahlala Far North;
• Abemi, eziquka abantu abakhubazekileyo.

Indexing akukho eyenziwa umhlala zokusebenza.

Kwimeko ukuqeshwa wamandulo-yobudala yomhlala-phantsi phambi kwexesha, emva koko xa ilungelo lokufumana kuyo, okanye ukusilela ukufumana pension factor phinda olusetyenziswa intlawulo elimisiweyo.

iimeko ezizodwa

Ezinye zokukhula azibalwa aphezulu. Ngokomzekelo, xa ifowuni lwenkonzo, ukunyamekela umntwana. Ngamaxesha anjalo, abantu badla azisebenzi, kodwa ityala isixa esithile lamanqaku. Ukuba umntu iyaqhubeka ukusebenza, ukhetha: ukutsala amanqaku, ebalwa ukusuka maholo, okanye uthathe ithuba abo aqinisekiswe ngurhulumente.

Pension indawo ixesha ebalulekileyo ekuhlaleni:

• 1.8 - kuba onenkathalo unyaka umntu iminyaka engaphezu-80 ubudala, okhubazekileyo okanye ushiye ngonyaka ukuba umntwana wokuqala;
• 3.6 - ukunakekela yonyaka umntwana wesibini;
• 5.4 - kukuwaxhalela unyaka umntwana wesithathu kunye ezilandelayo.

Njengoko amava kuchazwa?

Luzimisele abaqeshwe de-2002 ummi ungakwazi, eshiya incwadi yomsebenzi wabo. ubhaliso wena iye yaziswa ukususela ngo-2003. Zonke iinkcukacha umbutho ukuthumela abasebenzi bayo, iye ibhalwe ledatha FIU akhawunti yakho.

inkonzo etsalelwa umrhumo wepenshini efunyenwe phambi 01.01.15, kwaye iya zibalwe ngokutsha indawo pension. Okokuqala, amalungelo pension azimisele kwi 01,01. Kwandula ke ngowe-2002 umlinganiselo pension kubalwa ngokususela elingu iminyaka emi-2 phambi kokuba umhlala-phantsi okanye iminyaka emihlanu ilandelelana. Ukususela ngo-2002, amalungelo pension bazimisele ngokusekelwe kwisixa iminikelo ihlawulwe. Ngowe-2010 baye kwakho yi-10% yexabiso eyinkunzi pension le. Ngaphezu wamwisela-1% ngonyaka ngamnye awusebenzileyo. Kutsho ku-2014, imali eyinkunzi nakoplennnogo yomhlalaphantsi ngonyaka yi into ethile. Nsati isixa mali bahlulwe iindleko into eyodwa. Ngoko ke zimisele inani lilonke lamanqaku.

Ukwenza izibalo ezinje wena nzima. Yonke ingcaciso egcinwe werhafu kwi "ishishini" pension. Ngoko ke, xa kubalwa imali ye pension kubhetele ukuba baqwalasele sokubala, ingeniswe kwi-website FIU.

Indlela ukukwenza oko?

Kufuneka uye kwi website FIU "iinkonzo Electronic" kunye favorizirovatsya kwi "Dashboard". Apha ungabona iingongoma pension sele ethe ukuba umhlala ukusebenza uze ubale inani kulo nyaka umiyo ngokusekelwe kwedatha lomvuzo.

abasebenzi abatsha usebenzisa ikhaltyhuleyitha ukuqikelela ubungakanani uqikelelo ye pension, ukuba icwangciswe inkonzo emkhosini okanye ukuzalwa komntwana. Abantu abadala ungabona ukutshintsha indlela ubungakanani sentlawulo, ukuba "lusala" emsebenzini. Ngaphandle ukuba ubhaliso emva kwexesha intlawulo ipension, bobabini zoMqulu ipremiyamu rate. Kodwa "inkqubo" iminyaka engaphezu kwama-10 ingamampunge. ukunyuka Pension kuphela iintsuku ezilishumi zokuqala.

Ngo-2014, urhulumente kumiswe ukuyilwa imali. Zonke iimali ziye mayibhekiswe iintlawulo yangoku. Eli xesha-out Kwakufuneka ukoyisa ingxaki kwi FIU kunye 'fomato "umsebenzi NPF ngokubonelela ngeenkonzo kubantu abangaphezulu kwezigidi 22. ICandelo loMphathiswa Labour uyanyanzelisa kusungulo ifomathi ngokuzithandela ukuze kwakhiwe. Kodwa ndiwuhlutha nje imali yelizwe kuqoqosho "elide" kunokukhokelela iingxaki zoqoqosho kakhulu.

imithetho ezintsha

Ukususela ngo-2017-nkam abonisa ukuba le miqathango ilandelayo:

• amava na ubuncinane iminyaka 8 (2024 - 15);
• umhlala point alithe gangqa 11.4 (ngonyaka ka amanqaku 2.4 ukuya kwi-30);
• ummi wayeneminyaka engama-60 (abantu) okanye engama-55 (umfazi).

Le yobudala yomhlala lwabantu ebambe isikhundla eburhulumenteni, ngo-2017 - 60,5 kunye neminyaka 55.5, kulandele ukwanda kwaqho ngonyaka ukuya kutsho kwiminyaka engama-65 kunye nama-63.