Iminikelo-mali yomhlala-phantsi kunye nendlela yokulawula imali

Isiseko pension elizayo ukuba wonke ummi Russian Federation ukwenza igalelo kwingxowa-mali yomhlala-phantsi, nto leyo dwelisa nabaqeshi akhawunti zakho yomqeshwa. Ezi ntlawulo zibizwa ngokuba "inshorensi igalelo ezinyanzelekileyo." Umqeshwa ngamnye inshorensi umntu isatifikethi i-inshorensi kunye inombolo enamanani-11 ze-akhawunti yakho. Kwenza igalelo ngenyanga, apho ngo-2012, mayibalwe-22% ye-mali yonyaka imivuzo yabasebenzi.

Iminikelo-mali yomhlalaphantsi zenziwe, ukuba abemi Russian abolunye uhlanga ohlala eRashiya:

• Zisebenza phantsi ngokwemvumelwano yengqesho;
• Zisebenza ngaphandle kweli lizwe, kodwa ahlawule rhoqo iminikelo kwingxowa-mali yomhlalaphantsi;
• kuba abefundisi;
• It sikuko kuluntu ezincinane izizwe North wenza amasebe emveli kwezoqoqosho.

UMthetho wavumela ukuba ukunika ngokuzimeleyo indawo yomsebenzi, uziqeshile okanye abandakanyeke practice labucala. Kulo mzekelo, iminikelo kwingxowa-mali yomhlala-phantsi, SP ivelisa yayo kwaye ahlawule isixa esingatshintshiyo, nto leyo 2012 kuhlawulelwa iirisithi ezimbini: 922,2 engange nyanga nganye yaba yinxalenye iintlawulo inshorensi 276,66 engange - inxalenye numbers. Umrhwebi ngamnye unako ukuhlawula imirhumo kwi ngekota okanye kanye ngonyaka, ngokugcwalisa ifomu PF "irhafu PD-4sb".

Ulwabiwo -mali yomhlalaphantsi evela ukunyuka kwemivuzo kunye nemali iintlawulo umsebenzi kwindawo izinto zasemsebenzini. Ngenxa yoko ixabiso pension elizayo lungandiswa. Ukuba umntu esebenza esebenza kwiindawo eziliqela, iminikelo kwingxowa-mali yomhlalaphantsi zenziwa nge ngamnye kubo yaye wayalela ukuba i-akhawunti yakho eyodwa. Ngenxa imali ethile Iqinisekile, kodwa hayi imali yokwenene. Esi sixa - isiqinisekiso yomhlalaphantsi elizayo. Ezi mali zisetyenziselwa yokuhlawula ipension kwabo badla umhlala abasele bafikelela yobudala yomhlala-phantsi. Urhulumente ubamba indexation yonyaka inxalenye pension, ebizwa-inshorensi.

Iminikelo-mali yomhlalaphantsi ingenziwa yi insurer kwaye ukongeza, ngesicelo esibhaliweyo yomqeshwa. Ngoko ke kuya kwandisa inxalenye numbers ye pension. Olo ithuba enikwa abo bazelwe emva 1967, nto leyo evumela isizukulwana esitsha ukuthatha unonophelo ngokwabo ukwandisa pension yabo. Ezi mali aziboniswanga musa ukuya ukuhlawulwa pension ukuya umhlalaphansi ngoku, kodwa kufuneka zityalwe kwizabelo, izibambiso, ie ukuba abo phinda utyalo-mali zawo.

Ulawulo ezibanjwayo yomhlalaphantsi:

• ukusebenza kwimibutho, ukutsala imirhumo kwi Pension Fund ka-Russia;
• xa engekho kuhlawulwa ngumqeshi ukwenza igalelo kwingxowa-mali yomhlala-phantsi yabo;
• ukulawula yakho akhawunti zakho ngokusebenzisa portal online okanye ngokusebenzisa inkqubo isaziso iileta, nto leyo ngonyaka uthumela PF Abantu abaKhuselwe ngeInshorensi;
• ukulawula ulwandiso, neziwela kwiqela lokulawula. Ukuba akukho ngokwanelisayo, sebenzisa inxalenye numbers ye pension, uyakwazi ukutshintsha inkampani yolawulo;
• ukwandisa yezikhundla zabo ngenxa abantu abaye basebenza iminyaka 30-40, imali ye pension liphezulu kakhulu kunokuba abo ubuncinane iminyaka emi-5-10 yabalindi ubudala;
• ukusebenzisa ithuba lokuthatha inxaxheba kwinkqubo karhulumente co-mali ye pension eziqinisekisa imbuyekezo 100% kutyalo-mali lwakho: intlawulo amawaka 12 engange, urhulumente yongeza imali elinganayo, ekugqibeleni okumane 24 lamawaka ngonyaka;
• inxaxheba izikimu yomhlalaphantsi yabucala - ukuba ukudala ngokwakho umhlalaphantsi supplementary, nabanako afunyenwe ngummi, Nokuba akayi iye yenza inxenye ye pension inkxaso kwi Pension Fund ka-Russia.

Iminikelo-mali yomhlalaphantsi - ngundoqo umhlala-phantsi kwixa elizayo. Ingaqala ziyile nawuphi na umfana, ngubani kuqala baya ukusebenza waza wafumana umvuzo wam wokuqala.