Inkqubo sokubala umhlala

Abantu abaninzi abasebenza kunye nokuqhubeka aphake imali kwingxowa-mali yomhlalaphantsi, elichaphazelekayo umbuzo wokuba yintoni inkqubo sokubala inkamnkam. Njani ekubumbeni yaye yintoni amacandelo? Ziziphi iindidi pension na apho? Njengoko kwakunye neminye imiba emininzi aziyi kuqwalaselwa kangako.

Ukuba sithethe inyaniso yokuba umntu unelungelo yiholide zomthetho, ngoko apha kuyimfuneko ukuba kuqwalaselwe umba obalulekileyo efana inkqubo yokubala pension, kuba ngaphandle kwalo, bekuya kuba nzima ukunika ngokwabo ebudaleni. Zonke ngethuba yengqesho ngummi, le nkampani yenza iintlawulo-mali yomhlala-phantsi, nto leyo eyenzelwe ukunika ubomi ngokupheleleyo umhlalaphantsi. Umthetho "kumhlalaphantsi yabasebenzi kwi-Russian Federation" olawula womserbia, ukubunjwa kunye nokuhlawulwa pension. Pension ngokwayo iquka iindawo ezintathu, ubungakanani leyo kuxhomekeke kwizinto ezahlukeneyo. Kubalulekile ukuphawula ukuba inxalenye mandatory yenziweyo yokuba nyanga zonke etsalwa yi yomqeshi mali emileyo. Kulo mzekelo, intlawulo enikwa abo bantu sele ngomzuzu ukwindlela umhlalaphantsi kakuhle yayibafanele. Ukongeza inxalenye mandatory kuyenzeka ukufumana intlawulo mali ngokuzithandela: kukho umbuzo nokwanda -inshorensi inxenye pension.

Zonke inkampani kunye nokucwangciswa intlawulo yenziwe kwingxowa-mali le-inshorensi enyanzelekileyo karhulumente, ngoxa-mali yomhlalaphantsi eqhelekileyo ikhutshelwe phantse isiqingatha ezi mali. Icazulule oko umyalelo ekubunjweni pension kukuthi ukuba zonke ezi iintlawulo hayi ebotshelelwe abemi ngabanye, kwaye ziyilelwe ukuba zinike umhlala yanamhlanje. Le ndawo lisebenza njengesiseko, kodwa ubungakanani bayo kuxhomekeke ngqo kwi-mali, ukunyuka kwamaxabiso kunye neendleko zokuphila. Kuthiwa ayichaphazeli ubungakanani umvuzo sokuqala okanye ukuxatyiswa, intlawulo yayo yenziwe obenziwa abemi basemzini abantu ngaphandle ngummi, kwaye kufuneka nje baphile ngokusisigxina eRashiya.

Inkqubo yokubala ye pension abadala: inshorensi inxenye

Ukususela ngo-2002, bonke abaqeshi Russian enze iintlawulo ukuba ingxowa-mali yomhlala-inshorensi, yaye umqeshwa ngamnye ufumana ezizodwa isiqinisekiso inshorensi pension, leyo wabonisa -akhawunti yakho. Ngamafutshane, irhafu-free, ngaphandle nje lomvuzo umsebenzi ngamnye, kodwa ezinye iindleko kunye neendleko lomqeshi.

Inkqubo yokubala umhlala: isahlulo numbers

Le yinxalenye ubalo yamkelwe ngokufanayo edlulileyo, kodwa kulo mzekelo, imali yepension i ithathwa yi nexabiso lemali egciniweyo. Kuba nganye kwezi imali zixeliweyo kwindawo ezingcwele akhawunti. Le nxalenye idla obekwe kwi izixhobo botyalo-mali abohlukeneyo ukuze kwandisa ngokubonakalayo ubukhulu bayo. Okwangoku, wonke ummi unelungelo lokuba kufuneka ukulawula indima yabo ezixhaswa ngemali, ngoko ungakhetha izixhobo ngokukuko utyalo-mali.

Inkqubo yokubala umhlala zomkhosi

Enesidingo akuso ngolwangezelelo pension lwenziwa isekelwe phezu kumvuzo avareji ngenyanga ukuze yokugqibela iinyanga ezili-12 yenkonzo. Kwinzuzo ngenyanga avareji kule meko ugqibe ngokusebenzisa umthetho okhethekileyo, yaye ingcaciso yalo kufuneka ithathele ingqalelo isiqulatho lwemali abasebenzi bakarhulumente, akhiwa inani kweentlawulo.

Ngokwendalo, ngokuba ipension sithathwa iifomyula ezikhethekileyo, kodwa kule zokufunda ezibekwe kuphela ithisisi jikelele, ngoko ke iinkcukacha zale nkqubo aziphazamiseki.