Phantsi sibe yomhlalaphantsi libhekisa iimali ezingasetyenziswanga kuxhamle Abantu abaKhuselwe ngeInshorensi ngabantu, elathi laseka yinxalenye yomsebenzi pension kunye \ okanye intlawulo ekhawulezileyo. Naluphi na umhlali of Russia nga khangela rhoqo isixa ezibanjwayo. Ukuze ufunde ukuze ufumane indlela imali yazo yomhlala phantsi, ufunde.

Overview

Ukususela ngo 2015 e abemi zokusebenza kwasekwa imali inshorensi kunye pension. Eyokuqala yahlulwe iintlobo ezintathu: yobudala, ukukhubazeka, ukulahlekelwa umondli. pension iintlawulo imali iyakhawuleza, omnye-okanye kokwehla. Amalungelo akhiwa kwi ngokwesiseko okuza okanye amanqaku. Abemi banakho ukufumana iinzuzo endala-ubudala ukuba:

• wayeneminyaka 55 (abafazi) 60 (amadoda) kunye, iindidi ezithile inokuqala abafumana inzuzo ekuqaleni;
• ixesha inshorensi yabo iminyaka engaphezu kwama-15;
• kuyo inani ubuncinane amanani amanqaku emfono - 30.

Ngonyaka ngamnye enkonzo ngummi kwakhiwa amalungelo pension ngohlobo iibhola. Inani labo ixhomekeke lwalo pension. Xa uyila ngummi yentlawulo inshorensi ezibizwa-10 amanqaku. Ukuba imali kwakhona ithunyelwe kwi ukuyilwa imali - 6.25.

Abaqeshi ahlawule imirhumo ngomlinganiselo wama-22% ye-mali umvuzo. Ngokucelwa ungummi yonke imali inokuthunyelwa malunga nokumiselwa yomhlalaphantsi. Kwakhona kuyenzeka yesibini ngobuwena: 6% Rate iya ngqo kuseko inshorensi, yaye-16% - lonyuselo inxalenye umhlala-phantsi. Choice ukuba abemi kuphela ezikhoyo bazalwa emva 1966. Kwiqela kwemali kungenziwa icala:

• RF PF yinkampani yolawulo (CC).
• Non-state PD (APF).

Umbutho okhethiweyo inxaxheba kuthathelwa ingqalelo kunye nemali iintlawulo. Ke abemi ukusebenza kwe-Russian Federation unakho, nangaliphi na ixesha ukufumana imali zomhlala SNILS. Ungakwenza oku ngeendlela ezininzi:

• isaziso eposini;
• Yenza ingxelo nge-akhawunti ngabanye;
• nge-intanethi;
• isebe Sberbank.

NgoDisemba 2014 uMongameli iRussia yasayina umthetho ukwandisa unqunyanyiso kwimali yomhlala-phantsi. Zonke iintlawulo ngo-2015 ziya mayibhekiswe ngemali inshorensi pension. Kuza kwenzeka ntoni ukuba iinkampani zolawulo kwi ncam.

Wazi njani imali yomhlalaphantsi wakho?

Pension Fund ithumela inkcazelo malunga eseleyo kwi-akhawunti kunyaka ngamnye bonke abantu abaqale amava emsebenzini, phambi kokukhutshwa umhlalaphantsi wabo. Emva kokufumana le ncwadi, khangela ukuchaneka kwedatha ngasentla: Igama elipheleleyo kunye nenombolo akhawunti SNILS. Ngokutsho kuxwebhu, ungagcina umkhondo wendlela ngokuthembeka iminikelo lomqeshi wachitha kunyaka ophelileyo. Ukuqokelelana amagalelo aboniswe kumhlathi 3 isaziso (ukuba SP - in 2nd). Iintlawulo ze-inshorensi Digital eboniswe kumhlathi 15. Wazi njani imali yakho yomhlala-phantsi ngenxa yonke imbali yomsebenzi? Imali iyonke ezibanjwayo kumacala amabini kubonisiwe kumhlathi 4 no-16.

Kwakhona kwisaziso ithi:

• isixa-mali zidluliselwe kwi-PF kulawulo intembeko lenkampani;
• inxalenye iminikelo ezithe ezidweliswe njengenxalenye yeenkqubo co-mali;
• isixa-mali eyinkunzi ngosana, ejoliswe ukuyilwa inxalenye ezixhaswa ngemali ye pension;
• Ulwazi malunga injono kunye ipotifoliyo yotyalo ekhethiweyo.

zaziso ithunyelwa iileta ezibhalisiweyo ukuze zinikwe ngumxhasi we isiginitsha yakhe. Ukuba unobumba asifikanga, kufuneka uye buqu uqhagamshelane yesebe kwingxelo akhawunti PF.

ngaba Ndizifumana njani imali yomhlala kwi SNILS?

Oku kungenziwa kwi Internet. Okokuqala kufuneka ubhalise kwi-portal kweenkonzo zoluntu. Le nkqubo ilibele, njengoko abasemagunyeni kufuneka ukuchonga umsebenzisi. Emva kokugqitywa kwenkqubo, ungaya "Akhawunti Yam", esebenzisa njengoko yokungena SNILS inani. Le ndlela elula kakhulu kwaye ekhuselekileyo njengoko unako ngokukhawuleza uzakujikelezisa ingxelo ngalo naliphi na ixesha.

I yesebe Sberbank

Funda sokuzuza kwi Pension Fund ibe ngalo portal kwiziko lamatyala. Kodwa ke kuqala kufuneka ubhalise kwinkqubo ye ulwazi lonaniso. Ukuze wenze oku, kufuneka isicelo unit noshowo i-Savings Bank kunye ipaspoti yakho, SNILS lize lenze isicelo efanelekileyo. Emva kobhaliso ulwazi database ziya kufumaneka kwi "Akhawunti Personal" zebhanki ngekhompyutha. Eso sicelo abhalwe naliphi na iziko lamatyala kweli lizwe, "Uralsib", "Bank of eMoscow", VTB, "Gazprom". Nantsi indlela yokufumana phandle imali oyongele umhlala-phantsi.

iindlela ezizezinye

Kukho enye indlela, wazi njani na, ubungakanani imali yomhlala phantsi. Ukuba ungummi-mali yomhlalaphantsi nonstate wakhethwa njengoko ibhunga lolawulo accrual kunye nentlawulo lokonga, eminhlanganweni kunye nemfuneko ukwazi eseleyo kwi-akhawunti yakho. Ulwazi le lomxhasi ukufumana kwi utyelelo zobuqu kunye SNILS. Ezinye NPF anikele le nkonzo nje inkonzo ekhethekileyo ngentlawulo.

ukhuseleko

Ngenxa yokwanda kwenani lamatyala zobuqhetseba, urhulumente buyaqhubeka ulawulo Ukudluliswa kwemali phakathi PF. I amaRashiya yaqala ukufumana izikhalazo transfer engagunyaziswanga bemali. Indoda ulungisa mboleko ukuze imveliso yabathengi, inika SNILS ikopi kwiphakheji amaxwebhu, kwaye ke, kwiinyanga ezimbalwa kamva, waziswa email malunga ukuthunyelwa kwemali PF non-governmental. Ngokutsho data lokuqala, inani abemi yaqhathwa ngale ndlela ngaphezu kwama-26 amawaka abantu.

Nokuba sele ufumene incwadi ukuthunyelwa kwemali, musa ukothuka. Le ngxaki ingasombululwa. Kodwa ube baleka kancinane emhlabeni abaphathi-mkhosi. Kufuneka ubhale ingxelo ukuya PF labucala lokuphelisa isivumelwano. Kwaye ngcono ukuba isikhalazo kwabasemagunyeni zokunyanzelisa umthetho. Ke SPC kuya kufuneka ukuba kuvavanywa kwi Central Bank kwi ukuthembeka.

Okwangoku, urhulumente uzama ukutshintsha imithetho nemigaqo yohlaziyo. Ukuba ngaphambili kwanele ukuba asayine isivumelwano ikamva le-inshorensi, kuyimfuneko ngoku ukuba azise ngokubhaliweyo PF kwi ukutshintshwa ngokuzithandela kwemali komnye umbutho. Sele zilungisiwe okusilelayo neesampula iingxelo ezinjalo.

Amanye amazwe ico

Idatha kwimali yomhlala phantsi nge-Internet asaba nakufumana nto eRashiya kuphela. Ukususela 2015 scheme wokuqala waqala ukusebenzisa kwiRiphabliki of Kazakhstan. ngaba Ndizifumana njani imali yomhlala-phantsi? Ngokusebenzisa isicelo eyodwa mobile Smartphones kunye neepilisi. Ukususela ngo-2013, zonke iintlawulo inshorensi labemi zithunyelwa-akhawunti ka-JSC "Single numbers Pension Fund". zabelo yaso urhulumente ubuso Minfinansov nokulawula imali zabo ziya kuba National Bank.

Wazi njani imali yomhlalaphantsi wakho? Kufuneka ulayishele phantsi app ukusuka kwivenkile intanethi. Emva koko, ndwendwela i-Department of the PF, bafumana wegama eligqithisiweyo. Isicelo luqalisa ezikumgangatho https-protocol ye SSL-iziqinisekiso. Xa inkqubo yogunyaziso kolwazi umxhasi le nto ngokuzitofela neseva ENPF. Emva kokuba ukulanda isicelo ivula ne-menu bar. Xa "Bank Data" thaca iinkcukacha, ezinikwa kunye sokuzuza. Hlela ayikwazi ukuba olu lwazi. Jonga "yokugcina My" siquka yeengxelo zemali. Uyakwazi ukujonga ulwazi iikhontrakthi inkxaso enyanzelekileyo, ngokuzithandela kunye nobungcali. Ngokunqakraza kwi kumgca Khipha efanelekileyo ubonakala inombolo-akhawunti (IPA).

Ngokusebenzisa isicelo, umsebenzisi nako ukujonga uluhlu amasebe, iidilesi zabo kunye neeyure nokuvulwa, thumela imeyile, ukulawula izicwangciso zokhuseleko, utshintshe iphasiwedi yakho nolwimi.

isiphelo

Umqeshi yomqeshwa ngamnye uhlawula imirhumo-mali yomhlalaphantsi ngomlinganiselo we-22%. Ukususela 2015, yonke sixa ngqo kuseko yesibonelelo inkonzo elide. Abemi Russian ungakwazi ngokuzimeleyo esweni isixa ezibanjwayo ezinjalo. Ndazi njani ukuba imali yomhlala-phantsi? Unako ukufaka isicelo kwi fund ukuba isicatshulwa, ukujonga iibhalansi akhawunti online iinkonzo zoluntu, okanye kwi "Dashboard" ye ebhankini.