Yintoni ubudala-yobudala yomhlala-phantsi? yokubala kwipenshoni

izibonelelo Pension zinikwa abemi ngokwesiseko iinqobo ezifana nokukhubazeka, ubudala kunye nokulahlekelwa nemali ekhaya. Old-umhlalaphantsi ihlawulwe ngokunxulumene nempumelelo yobudala ethile ezingezo-esebenzayo. Ngokomthetho sithetha abafazi eneminyaka engama-55 kunye namadoda engama-60. Kodwa amaqela athile abahlali banelungelo lokufumana umhlala-phantsi phambi kokuba afikelele ebudaleni. Siza siqonde ukuba yintoni eyenza i umhlala-phantsi ngenxa yobudala.

Ukunyusa yobudala yomhlala phantsi

Kuba abantu abasebenzela urhulumente, ukususela ngoJanuwari 1, 2017 izenzo ukwandisa umhlala-phantsi, ayizange kukhokelela uyakholiswa ngabakhonzi abaninzi yoluntu ekusuhi ukugqitywa komsebenzi wakhe iqonga umsebenzi. Ukongezelela, nyaka ngamnye, la magama aya kunyuka nge-2 kwikota, ukuya kwiminyaka 65 63 kwabasetyhini kunye namadoda ngokulandelelana.

Ngokutsho amanqaku yomthetho, ithuba lokufumana endala-ubudala pension kufuneka nabo babe namava omsebenzi engama-15.

pension factor

Oku inyanzelekile kwi umlinganiselo phambi yomhlalaphantsi ngokusekelwe kwinkqubo score-sikalini, xa zizonke hayi amanqaku ngaphantsi kwe-30 (ukususela kunyaka-2025). Yimbi yale ratio amiliswe inamacandelo amabini:

• igalelo kwingxowa-mali yomhlalaphantsi kumqeshi, inkampani leyo kuthwalelwa phandle imisebenzi umhlala;
• amava emsebenzini jikelele.

Isixa elipheleleyo lamanqaku kulo nyaka ngu 8.26. Kwixesha elizayo, ngokusekelwe kwi-2021, eli nani lenyuswa laya ngo 1,74, oko kukuthi, ukuba ukufikelela 10. Loo nto ibalwa pension eRashiya yokwaluphala.

Ingakumbi abangamabhinqa abangena umhlalaphantsi

Abasetyhini banelungelo efanayo umhlala-phantsi phambi kwexesha, kwakunye namadoda. Kuqala kwinto zonke, oku kubangelwe neemeko zokusebenza ntle, kwakunye umsebenzi kwiingingqi kunye kwimozulu kakhulu. Ukongeza, kunye nezinye izinto zentlalo iimazi umhlala-phantsi ngaphambi ishedyuli kwaye bafumane zibhonasi yenkuthazo njengepesenti. Kukho umahluko ethile, ingaba ubudala yaye oko zizathu umfazi umhlala ukuya kwiminyaka 55. Makhe sibone ukuba yintoni le nkqubo ibandakanya abantu abolupheleyo yomhlalaphantsi kukhulelwa asetyenziswa ngabasetyhini:

1. Kwiminyaka 45-50 ubudala, ngokomyalelo, umntu obhinqileyo unakho ukufumana umhlalaphantsi, ukuba amava iminyaka 7.5 kwi rough, umsebenzi phantsi komhlaba, kunye neemeko zokusebenza ezimbi.
2. Kwiqela yobudala engaphantsi-40 eminyaka ubudala, ukuba ukukhubazeka ngokunxulumene kokufumana ukwenzakala ngexesha inxaxheba neemeko okanye ukuhluthwa kunye nezinye izifo, afunyenwe kwimveliso.

An into umdla kukuba abafazi abasebenza kummandla Far North, kunye namava angekho ngaphantsi kwe-15 iminyaka, umhlala-phantsi engama-50 ubudala. Namabhinqa yokuhlala ngokusisigxina kuzo zonke iingingqi ezinokudala ngamava Ukuxelenga kweminyaka engama-20 kwaye isesikhundleni abazingeli, abalobi, kuquka adle, umhlala-phantsi engama-45.

Kwakhona, sex enobulungisa banelungelo ukuze baphumle kakuhle nelilifaneleyo phambi kweminyaka yobudala engama-50, unika ubomi abantwana ndabondla-5 nangaphezulu phantsi kweminyaka esibhozo. Kodwa indlela yokubala ye pension amabhinqa? Nje ubudala-iminyaka yomhlalaphantsi siquka:

• iintlawulo fixed;
• abekwe inxenye;
• Insurance Pension Fund.

iintlawulo fixed

iintlawulo Fixed ayamiselwa urhulumente esisigxina ngaphandle kokutshintsha izibalo zemali ezifunyenwe ngabantu abaye bafikelela ukwaluphala. Olu hlobo mhlala ilungiswe kuxhomekeke izikhombisi ezithile:

• lobudala;
• inani labantu abahlala kubonelelo umhlalaphantsi;
• nendawo yokuhlala;
• ukukhubazeka.

Ngokomzekelo yo fanekisela, uthelekiso ye pension ngentla izalathi isalamane. Ngaloo ndlela, uninzi abadla umhlalaphantsi bafumana intlawulo fixed-mali engange-4 558.93. Abemi abaneminyaka engama-80 okanye ukuba isidanga lokukhubazeka - 9 117.86 engange. Abantu leyo kukubonelela kuxhomekeke efunyenweyo 6 078.57 engange ubuncinane enye.

inshorensi yomhlalaphantsi

Enye indlela yokubala pension abantu abadala - i-inshorensi pension. Ebudeni yonke iminyaka zabemi zokusebenza, yomxhaso indawo kwishishini karhulumente-, umqeshi wakhe uya ahlawule inzala kwi Pension Fund.

Le pesenti zibalwa ukusuka ipesenti yemivuzo ezisemthethweni, nayo, uthabathe uhlobo inkalo ngamnye - amanqaku, kuxhomekeke ubude inkonzo, ubudala umhlala-phantsi kunye nemivuzo. Kwi-avareji, omnye score 74,27 engange. ukuba uya njani endala-yobudala yomhlala umphumo?

Umzekelo yokubala

Umzekelo, ukuba ufuna ukubala pension izinga ummi ongahlawuli engange-30 000 ngenyanga nganye:

1. Ngumvuzo unyaka-1: iinyanga 30 000 x 12 = 360 000 engange.
2. Xa umlinganiselo-22% yemali iyonke iminikelo inshorensi: 360 000 x 22% = 7.920.000 engange, apho izinga inshorensi pension ka-16% sibhekiswe 57 600.
3. Ngenxa yoko, sifumana 57 600 engange / engange 127,360 (isixa iminikelo kunye lomvuzo eliphezulu ngonyaka eRashiya ngowe-2016) = 0.45 x 10 = 4.5 amanqaku.
4. Le score iwela umvuzo kwi-mali engange-30 000. amanqaku Okulandelayo translate yimali: 4.5 x 74.27 (ngathi uthetha nye indawo ukuza kuthi ga ngoku) = 334,215 engange.

Kuyinto ebalulekileyo ngokunjalo ukuba imali iyonke amanqaku ulinganiselwe. Oko kukuthi, ukuba lowo udla umhlala-yangoku ke usozimali yokugqibela, oko akuthethi akuthethi ukuba urhulumente kufuneka akwazi ukunika ibe ukwanda ngenyanga esiluqilima pension yabo. Ukuze uqaphele, ngo-2025 kuya kuba lula ukufumana ukuya amanqaku 10, ngokuchaseneyo 7.39 kunye 7,83 namanqaku ngo-2015 no-2016 ngokulandelelanayo.

yomhlalaphantsi ezixhaswa

Uhlobo lwesithathu yokubala wamandulo-iminyaka yomhlalaphantsi - ipenshoni nesixhaswa ngemali. Le ndlela kweentlawulo yemali kubantu abakhubazekileyo abadala kweli lizwe lethu luphawulwa nyanga zonke ukubonelela imali yomhlala-phantsi qho ubomi. Iintlawulo ze-inshorensi akhiwa ngeendleko abaqeshi utyalo-mali yomhlalaphantsi kunye nabasebenzi ukufumana inzala kule mali.

Kufuneka kugxininiswe ukuba umhlalaphantsi inkxaso ihlawulwe umhlali ukususela ngo-1967 kwaye ke ukuzalwa bonke abo abancinane. Kodwa asingabo bonke elula kangaka. Abemi yelo candelo, kodwa ke zange yenze bonke ibhalwe kude kube sekupheleni kuka-2015, awafanele ukufumana olu hlobo iminikelo yomhlalaphantsi.

Indexation ye pension ngenxa yobudala

Indexing ukwanda ngokwenkqubo umthamo iinzuzo zentlalo esekelwe kwi-indeksi yamaxabiso abathengi ukuba iimpahla kunye neenkonzo ezahlukeneyo. Oko kukuthi, kukho recalculation rhoqo umrhumo. Umongo osisiseko yeyokuba ngenxa emali, iindleko kakhulu eziyimfuneko iimveliso inkxaso yobomi kunye neenkonzo (okokuqala zikamasipala) kwandisa. Ngenxa indexation, nabantu abakhubazekileyo kweli lizwe, ibekwe kwinkxaso karhulumente le, angacingi khulu, kodwa hayi ngakumbi. Le meko kuthiwe HIV, ukuba kuphela ngenxa yokuba yonke into izinzile. Kwaye xa livelise umhlala ukwanda ngenxa yokwaluphala?

Fixed a umhla indexation ethile pension kunye nezinye izibonelelo zentlalo ayikho. Umntu ngamnye onomdla unelungelo isicelo izakhiwo zikarhulumente, yiba negunya kule miba kwaye ubuze yonke imibuzo, emva kokuba ukwanda kunamaxabiso entengiso iqela engundoqo kwempahla ebalulekileyo. Nangona kunjalo, kukho iimeko apho urhulumente umisela ubunyani indexation ye pension.

Iminyaka sokubala umhlala

Xa kubalwa imali ye pension kuthathelwa ingqalelo ukuxatyiswa, ukususela ngo-2002. Lonke ulwazi komthetho yangoku ekubaleni-2016. ulwazi olutsha kusungulo nayiphi ezintsha ngo-2017 akakho, ngoko ke izimvo ngalo mba de loo INNING_NUMBER.

Ngaloo ndlela, ngokusekelwe kwisithuba ngexesha elithile, kuyimfuneko ukuba enze lo kubalwa ngolu hlobo lulandelayo: isixa ekhoyo imali kwahlulwa yi amaxabiso ingongoma enye, malunga apho aya sikwalathisa kunyaka omtsha, isantya sokukhula kwe-indeksi yamaxabiso abathengi lamaqela emveliso enkulu 2016.

Inkqubo yonke lwenziwa phantsi kolawulo mandla zoluntu emva ngokomzekeliso ichaziwe. Isiphumo yabelwa ubukhulu elitsha iminikelo yomhlalaphantsi. Ngethemba, wena ngoku icace, oko iqulathe kwanini-inkamnkam.

Ukushwankathela konke oku kungasentla, kufuneka ufake ukuba abo bafumana ipenshini, unelungelo elipheleleyo ukukhetha naliphi na ixesha leenyanga ezi-60 umsebenzi wakhe, ukususela ngoJanuwari 1, 2002. Kusiza ukuba ayinamsebenzi, amava omsebenzi wafumana eSoviet Union okanye Russia mihla. Zonke izibalo kwenziwa ngendlela efanayo.

Kunye nemithetho emitsha kwi pension emtshatweni iya kudalwa ekuhambeni kwexesha, kusenokubakho utshintsho kubalo imigaqo oko kubandakanya ubudala nkam.