IzimaliUmshwalense

Kuyini isikolo impesheni? kanjani umhlalaphansi impesheni amaphuzu?

Pension ukonga sabantu abasebenzayo zihlukaniswe izingxenye ezimbili: yokonga futhi isilungisiwe. umuntu ngamunye uyazinqumela ukuthi wayezokwelapha yini inkokhelo fixed, noma zonke izimali ithunyelwa ingxenye uxhaso impesheni. Ifomu isetshenziselwa ukubala inani ukonga, sifaka izakhi eziningana. Omunye wabo - amaphuzu impesheni. On azishiye uyoboniswa okuxoxwe ngazo kulesi sihloko.

izici

On usayizi impesheni kuthonywa:

  • inani ezisohlwini Isabelomali umshuwalense kusukela inkokhelo "amhlophe" ;
  • engu-bentela;
  • khona ukukhubazeka, abondliwa;
  • yokuhlala;
  • isikhathi somhlalaphansi (ekuseni hhayi noma);
  • ukwakha accumulations.

Ngo-2017, abantu abahlala unomphela Russian Federation futhi kusuka ngomhla ka 12.31.16 ukuthola impesheni, uma inkokhelo kwesikhathi esisodwa inani ayizinkulungwane 5. Deda. Le mali ikhokhwa ngaphandle kokuletha isicelo futhi ayikho ngaphansi kwentela yengeniso.

ekubalweni impesheni

Inani impesheni zibalwa ngokwendlela ifomula:

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

  • P - isamba sazo zonke izici ngamunye.
  • C - zibiza malini isici (amaphuzu).
  • K - Inkomba improver kuya yomshuwalense kanye yokukhokha emisiwe.
  • PV - ivume ukukhokha.

Sibheka ngokuningiliziwe ngamunye lezi nemingcele.

Coefficient ngamunye

Pension amaphuzu - isilinganiso ukuthi Uhlaziya unyaka ngamunye ukuqashwa olusemthethweni based umshwalense ebanjwayo. Lapho kubalwa yempesheni yonyaka 2016 uyakucabangela Inani lawo wonke amaphuzu zanqwabelana. Uma umuntu ayephumela ngeholide ukuze 01.01.2015, algorithm ukubala lihlukile ejwayelekile:

SP = MF / C, lapho:

  • JV - impesheni umshwalense.
  • MF - umshwalense impesheni ku 31/12/14 kungekho izinkokhelo fixed kanye uxhaso ingxenye.
  • C - izindleko isikolo 01,01. 15 (64.1 ruble.).

Inani lawo wonke amaphuzu zanqwabelana emva 01,01. 15 = CB / CF x 10 lapho:

  • SV - iminikelo ekwakhekeni kwemali umshwalense, ikhokhwe ngesilinganiso 10 noma 16%.
  • MB - Iminikelo iholo esiphezulu.

kanjani amaphuzu impesheni?

Lapho okuza ukubala ziyabhekelelwa izikhathi ezithile kufakwe ubudala. Ngokwesibonelo, inkathi ekunakekeleni ingane eba neminyaka 1.5. Isamba lezi zici yengezwe amaphuzu kakade kukhompyutha. Lezi zikhathi ziyabhekelelwa kuphela uma kungukuthi kunakwe kulesi sibalo impesheni yokukhubazeka noma osindile.

Isibalo amaphuzu Impesheni kungenziwa zanqwabelana for ngonyaka, kunomkhawulo wemali ngumthetho futhi njalo okwandisa (kufika ku 2021). Khawulela inombolo okuza ihlukile kulabo abaye yanquma zakha ingxenye uxhaso yenkokhelo (5.16 for 2017), futhi labo abaye balahla ke (8.26 for 2017).

Isici izindleko ngonyaka (01.02) kwandisa okungenani intengo Inkomba ukukhula. Njalo ngonyaka kusukela ngo-Ephreli 1, setha amagugu omusha okuza zoMthetho Federal "Ngo kwesabelomali RPF" onyakeni okuhleliwe. Kusukela ngomhla ka-01.02.16 ukubaluleka iphuzu elilodwa - ruble 74,27.

Ngokwesibonelo

Ake sibone indlela ukubala impesheni amaphuzu ngokuvumelana ifomula:

B = (S / M) x 10 lapho:

  • S - nenani izimali lokuphekiwe ekwakhekeni yempesheni yesikhwama sempesheni nomholo wonyaka.
  • M - nenani iminikelo iholo esiphezulu ikhokhwe ngesilinganiso 16%.

umsebenzi iholo - ruble ayizigidi 30 .. ngenyanga., t. e. 360 ayizinkulungwane. deda. / ngonyaka. Umkhawulo phansi izinkulungwane 720 Hlikihla..:

720 x 0.16 = 115.2 thous. Deda. - lemali iminikelo.

Sifeza ekubalweni amaphuzu impesheni ngaphansi kwale mibandela elandelayo:

  • umsebenzi wakhetha impesheni umshwalense kuphela;
  • umsebenzi usukhethe imodeli okuxubile yomshuwalense.

Inketho 1. Iminikelo 16% isixazululo izinga ayizinkulungwane 57,6. Hlikihla. (360 x 0.16).

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

Inketho 2: Inani a 10% umnikelo izinga ayizinkulungwane 36 Hlikihla.. (360 x 0.1).

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

inkokhelo okungaguquki

It lihlelwe inani okuqinile maqondana umshwalense impesheni. Inani yokukhokha ngokobungako unyaka ngamunye. Kusukela ngomhla ka-01/02/16 kwaba ayizinkulungwane 4,56. Hlikihla. inkokhelo Ukwandiswa lemali inikezwa:

  • Mina zikhutshaziwe c.
  • izakhamuzi eneminyaka engu-iminyaka engu-80;
  • abantu abasebenza noma abahlala eNyakatho Ekude yeCanada;
  • izakhamuzi, ehlanganisa abantu abakhubazekile.

Yenkomba is hhayi lwenziwa kwabahola impesheni ukusebenza.

Endabeni ukuqokwa yempesheni sokuguga ekuqaleni, kamuva lapho ilungelo lokuthola ke, noma ukwehluleka ukuthola impesheni siphindaphindeka isici lisetshenziswa inkokhelo emisiwe.

ezimweni ezikhethekile

Ezinye izigaba zokuphila ayabalwa ubudala. Ngokwesibonelo, ngesikhathi socingo yesevisi, enakekela ingane. Ngezikhathi ezinjalo, abantu ngokuvamile azisebenzi, kodwa icala ethile amaphuzu. Uma umuntu eqhubeka emsebenzini, akhetha: susa amaphuzu, ibalwa kusukela nomholo, noma ukusizakala labo kuqinisekiswa isimo.

Pension iphuzu izikhathi abalulekile emphakathini:

  • 1.8 - I-okhathalelayo ngonyaka umuntu eminyakeni engu-80, ekhubazekile noma ushiye ngonyaka ingane yokuqala;
  • 3.6 - ukunakekelwa ngonyaka ngomntwana yesibili;
  • 5.4 - ukunakekelwa unyaka wengane yesithathu futhi okwalandela.

Njengoba okuhlangenwe nakho kuchazwa?

Vuselelani baqashwe zabo kuze 2002, isakhamuzi may, ngokunikeza incwadi umsebenzi. ukubhaliswa komuntu siqu iye lokwetfulwa kusukela nga-2003. Lonke ulwazi inhlangano ukuthumela izisebenzi zayo, kwalotshwa semininingwane FIU akhawunti siqu.

inkonzo Impesheni wathola ngaphambi 01.01.15, futhi uzobe recalculated iphuzu impesheni. Okokuqala, amalungelo impesheni zinqunywa at 01,01. Kwabe sekuthi ngo-2002 inani impesheni kubalwa okusekelwe komholo iminyaka engu-2 ngaphambi kokuthatha umhlalaphansi noma iminyaka emihlanu ilandelana. Kusukela ngo-2002, amalungelo impesheni zinqunywa esekelwe inani iminikelo ikhokhwe. Ngonyaka ka-2010 base revalued ngo-10% yenani yenhloko-dolobha impesheni. Ngaphezu kwalokho icala kuka-1% ngonyaka umsebenzi ngamunye. Kuze 2014, inani impesheni dolobha nakoplennnogo ngonyaka lukhonjwe yi isici esithile. Ungena inani ukonga ehlukaniswa izindleko wesici esisodwa nje kuphela. kunqunywa Ngakho lonke inani amaphuzu.

Ukuze afeze izibalo ezinjengalezi wena nzima. Yonke imininingwane egcinwe wentela e impesheni "ibhizinisi". Ngakho-ke, lapho kubalwa inani impesheni kungcono ukugxila wokubala, okufakiwe kuze website FIU.

Indlela ukukwenza?

Udinga ukuya kuwebhusayithi FIU "amasevisi Electronic" futhi favorizirovatsya e "Dashboard". Lapha ungakwazi ukubona amaphuzu kakade enqwabelene impesheni impesheni ukusebenza futhi abale isibalo kulo nyaka ngesisekelo idatha iholo.

abasebenzi Young usebenzisa wokubala ukulinganisa ubukhulu eseduze impesheni, uma kuhlelwe ebuthweni lezempi noma ukuzalwa kwengane. Abantu abadala angabona kanjani ushintshe usayizi inkokhelo, uma "ungajahi" emsebenzini. Kuncike ekutheni yokubhalisa sekudlule isikhathi ekukhokheni impesheni, kokubili ngokobungako izinga premium. Kodwa "inqubo" Sekuphele iminyaka engaphezu kwengu-10 alusho lutho. Kwempesheni kuphela ngezinsuku eziyishumi zokuqala.

Ngo-2014, uhulumeni okwesikhashana kwetinhlavu ukonga. Zonke izimali ayeqondiswe izinkokhelo zamanje. Kulokhu-out eyayidingeka ukuze unqobe lo Inkinga FIU futhi "Ukukubika" umsebenzi NPF nokunikeza ngamasevisi abantu abangaphezu kwezigidi ezingu-22. Ministry Labor namanje ephikelela ukwethulwa format yokuzithandela ukuze kwakhiwe. Kodwa wayencisha umnotho imali wezwe "eside" kungaholela sezomnotho esibucayi kakhulu.

imithetho emisha

Kusukela 2017 impesheni yokuguga kuboniswa izimo ezilandelayo:

  • isipiliyoni okungenani iminyaka 8 (2024 - 15);
  • umhlalaphansi iphuzu hhayi ngaphansana 11.4 (kwaqobe mnyaka ka 2.4 kuya ku-30 emamaki);
  • isakhamuzi safinyelela eminyakeni engu-60 (amadoda) noma iminyaka engu-55 (owesifazane).

Umnyaka umhlalaphansi abantu izikhulu zikahulumeni, e-2017 - 60,5 futhi engu-55,5, kulandele inyuka yonyaka kuze iminyaka 65 futhi 63.

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