Phi nendlela yokufumana phandle isixa inxalenye ezongezelekayo ye pension? Inyathelo kuhola efunekayo amaxwebhu step

Kuba okokuqala inxalenye pension leyo eziyintlanganisela, sathetha ngo-2001. Yaba ngeli xesha kwaye kukho iinguqu kuwiso-mthetho ngokuphathelele kwimicimbi yomhlalaphantsi. Kwakukho izinto ezifana kwisiseko, ezixhaswa kunye pension benefits. Ukongeza, zonke ngazinye ngemali ngokwahlukileyo enye kwenye ukusuka kwimithombo eyahlukeneyo-mali ezifunyenweyo. Makhe sithethe malunga nendlela ukufunda isixa inxalenye ezongezelekayo ye pension.

Yintoni umhlalaphantsi, apho igcinwa?

Njengoko yaziwa, ukukhankanywa wokuqala laqala ngo-2002, emva kokuba uhlaziyo pension. Noko ke, kangangeminyaka eli-13 emininzi kukho iinguqu ezibalulekileyo kumthetho ukuphucula inkqubo ngemali. Kwaye ngo-2015, oko kusekelwe kuphela ingqikelelo "pension ezixhaswa", kodwa nayo yaphuhliswa umyalelo izibalo zalo.

Ukuza kuthi ga ngoku, umthetho ubonelela amagama amabini, nto leyo ezizimeleyo enye kwenye - i-inshorensi kunye pension ngemali.

Abaninzi bedidekile kwaye uqonde awukwazi yintoni umahluko phakathi kwabo, yaye ukuba ipension enjalo, nto leyo yande. Wonke ummi Russian-akhawunti zabucala kwi Pension Fund, nto leyo Ukuqokelela imali. Siza baqonde ngexesha elifanayo njengoko uzukisa.

Umgaqo ukuyilwa ye pension

Ukuze siqonde indlela inxalenye ezixhaswa ngemali ye Iintlawulo zemali aqinisekisiwe ngenyanga ngemali yokuzinyamekela abemi ngokunxulumene ebudaleni, kuyimfuneko ukuhlola lonke isakheko yengeniso pension.

Okwangoku accounting uluhlu lwabasebenzi ukuze kwakhiwe Iintlawulo zomhlalaphantsi elizayo kwi-22% yemivuzo yomqeshwa ngamnye. Kulo mzekelo, ngokunjalo, kungona umvuzo, kokukhona notsalo.

16% wathumela-mali inshorensi-6% - a lokwandisa. inxalenye exhaswayo ye umntu ngokuthanda kwabo.

Ekuhambeni kwexesha, xa umsebenzi phezu, yaye umntu uya kufumana umhlala-phantsi iholide yakhe kakuhle nelilifaneleyo, uya kufumana-2 indodla - inshorensi nesixhaswa ngemali. Kwaye ngo-2015, abemi, ngubani ngeli xesha ezenzekayo kwiminyaka 48 nangaphantsi, ungakwazi ukubhala ingxelo malunga lenguqu ukuya inshorensi yomhlalaphantsi ngokupheleleyo okanye ingxowa-mali yobekelo. Okukuyo ngemali elicandelo ngumnini, ukwenza igalelo engaphezulu kwi-akhawunti yakho, nothi umhlala-phantsi iya kuhlawula kratya imali esisiseko.

Exhaswayo pension: khangela ubukhulu usebenzisa SNILS yayo

Fumanisa isixa inxalenye inkxaso ye isiqinisekiso inshorensi pension ze uqinisekise ukuba yintoni kanye isixa imali kwi-akhawunti yakho, uneendlela ezimbini ongakhetha kuzo:

• Ukusebenzisa inkqubo lonke lothungelwano computer edityanisiweyo - intanethi;
• ngqo ukuxhasa isebe ophetheyo ulungiselelo pension eluntwini.

Yonke into ixhomekeke kwindlela yakho kwaye sinqwenela ulwazi oluyimfuneko.

Njani le Internet

Fumanisa isixa inxalenye ezongezelekayo ye pension kwi Internet kunokwenzeka ngokubhalisa kwi Portal "iinkonzo Public".

Olu khetho elula kakhulu ilula. Ndiqinisekile abaninzi beva kakhulu okuninzi malunga nkqubo kwaye sele unayo i-akhawunti apho. Inika ithuba elikhulu lokuba wonke ummi eRashiya, apho ke kuphela angasifumani imali eyongiweyo kwinkqubo pension fund, kodwa kwakhona ukuba iyalele isiqinisekiso umzali endaweni yokundwendwela okanye ukubhalisa umntwana wakho kwiziko lemfundo yabantwana.

Ukuze bafunde ngempumelelo imali kangakanani na, kufuneka:

1. Bhalisa iinkonzo karhulumente portal. Oku kuya kufuna nje ukucacisa zonke iinkcukacha ngawe ngokwakho uze ufake inombolo yefowuni yakho ukufikelela ikhowudi, kodwa ivavanywe ngenxa nokunyaniseka yokundwendwela kunye SNILS.
2. Emva kokufumana iphasiwedi, faka portal uze ungene ngemvume. Le nqakraza-akhawunti yakho kwi icon ebizwa ngokuba "iimali Pension".
3. Okulandelayo, vula ithebhu ngokunqakraza kwi iqhosha obalatha inkcazelo malunga ezitokisini.
4. Emva kwethuba phambi kwakho wazisa data yakho kuthetha ulwazi ngomhla isicelo.

Funda kwiinkonzo zoluntu portal inxalenye ezixhaswa ngemali ye pension.

Wazi njani isixa; isicelo ngqo kwiSebe Pension Fund?

Siya uncedo kwi Pension Fund

Le ndlela efanelekileyo kwabo musa ukufumana kunye intanethi okanye ngenxa yobudala babo, ngokunjalo ingeniso yemali abakwazi ukuhlawula.

Ukuya kwi Pension Fund kwindawo yobhaliso, usondeze yakho yokundwendwela kunye nesiqinisekiso-inshorensi.

abasebenzi Fund iya kukubhalisa phezu portal kweenkonzo zoluntu kwaye ekukunikeni iinkcukacha malunga nezithuthi zakho, oko kukuthi, yintoni na udibaniso lwe pension ezixhaswa unayo umhla wangoku.

Funa uncedo evela iingcali mali yomhlalaphantsi onamava, bona kakuhle nangokucacileyo ukuchazela wonke phi kwaye njani ukufumana isixa inxalenye ezongezelekayo ye pension.

Sifunda ulwazi in Sberbank

Ndazi njani isixa inxalenye ezongezelekayo ye pension, ukuba ngaba ilungu kwesikim pension kunye ilungu non-karhulumente ingxowa-mali yomhlala-phantsi (NPF) le-Savings Bank?

Kulo mzekelo, ufanele wazi ukuba imali utyala imali ayikho ebhankini kwingxowa-mali, nto leyo eye sele ifunyenwe yaye lilawule imali ngokubona kwayo. Imali yakho uze ufumane kule ingeniso.

Ndazi njani isixa inxalenye ezongezelekayo ye pension kwi Savings Bank kule meko?

Kukho iindlela ezintathu ukufumana ulwazi:

1. Kufuneka utyelele isebe le-mali yomhlalaphantsi non-karhulumente, uze ufunde kwiingcaphephe malunga data emfono isixa semali kwi-akhawunti yakho. Kulo mzekelo, kufuneka unikeze ikhadi lakho zentlalo.
2. Fumana ulwazi kwi-Internet. Nika le uncedo kuya kunceda abasebenzi Sberbank, ukuba wena akunguye nako ukumelana nomsebenzi.
3. Sebenzisa i ATM okanye terminal.

Kwenzeka ntoni yomhlalaphantsi inkxaso emva kokufa?

Emva kokufa umntu akhawunti yakhe kwi Pension Fund yi iintlobo ezimbini iintlawulo. Le yomhlala ngoku ukuba eliqokelelweyo, kodwa ahlawulwe, yaye inxalenye inkxaso. Ndazi njani isixa inxalenye ezongezelekayo ye pension kule meko? Ukuze wenze oku, kufuneka bangenele uthotho kweenkqubo.

Ukuba yomhlala-ethe, kodwa ngenxa yokushiywa kumntu Tamare wayengekanikezelwa, ngoko uyakwazi ukufumana izalamane, isicelo-mali yomhlalaphantsi kunye nesicelo efanelekileyo, yokundwendwela, isiqinisekiso yokuhlala, isiqinisekiso sokufa kunye nobungqina amaqhina entsapho.

Kodwa inxalenye inkxaso yeengxoxo pension lengthier, ekubeni ukuqokelelana kuthathwa legacy. Afunyenwe ngenxa yokuba izatifikethi zabo kubameli. Xa inkqubo yobhaliso kwiinkqubo ilifa elo izivumelwano ibandakanya iimali uluhlu yepenshini ushiye ihlabathi yabantu.

Indlela ukunqanda Umgaqo amatyala zamafa?

Kukho imithetho esisiseko emibini kuphela ngayo ukufa indoda izalamane bakhe beze kule ofisi, benza ishishini pension, kwaye babhale ingxelo ukuba yinxalenye yomhlala liye lafumana. Oku kwenzeka:

1. ukuba ngaphambi komhla lokufa kwakhe, indoda bafika Pension Fund kunye wabhala ingxelo apho wabonisa ekufuneka azifumane zonke imali emva kokufa umnini-mali;
2. ukuba imali bebekelwa kwingxowa-mali yomhlalaphantsi yabucala, ngubani na ummi isicelo inxalenye ezixhaswa ngemali, kuboniswe kule mvumelwano.

Kule ibango ungakwazi ngokupheleleyo nabani na, nkqu kuthelekiswa iintlawulo.

Ndazi njani isixa inxalenye ezongezelekayo ye pension womfi?

Ukuze benze oku, ingxowa-mali yomhlalaphantsi mali yomhlalaphantsi yabucala kwithuba leenyanga ezintandathu emva kokufa inyama yenyama yakhe, kufuneka uqhagamshelane mntu ubhubhileyo. Yabazali, abafazi okanye amadoda kunye nabantwana.

Kulo mzekelo, ukuba isicelo sigcwalisiwe abantu eziliqela, esi sixa yahlulwe ngokulinganayo ngasinye.

Ukongeza isicelo, kufuneka sivale:

1. Passport of the njengaBamkeli ngexesha.
2. Ukuba inxalenye numbers wenziwe libe lilifa, ubungqina enokusebenziseka ulwalamano kunye lo mntu ubhubhileyo. Oku kunokuba isiqinisekiso sobhaliso wokuzalwa okanye umtshato isiqinisekiso.
3. Isiqinisekiso basingqinela ukufa komntu, inxalenye numbers yayo njengelifa.
4. Isatifikethi inshorensi komntu obhubhileyo. Unga khankanya nje inani.

Ukuba la maxwebhu ithunyelwe ngeposi, ukuba iikopi ezaneleyo kubameli.

Isicelo eso kwisithuba seeveki ezine, kwaye intlawulo yenziwe ungadlulanga elishumi wesibini kwinyanga ezayo.

Indlela ukuba wazi fund okulo

Inqabile, kodwa imisebenzi yesiqhelo yemihla ngemihla abantu ngamanye amaxesha alibale ukuba ingxowa-mali i pension zawo nesixhaswa ngemali. Ngoko ke, lo mbuzo apho ukufunda isixa inxalenye ezongezelekayo ye pension, wongezelela umbuzo: yintoni Mna PF? Le ngxaki iya kunceda ukusombulula le portal lweenkonzo zoluntu. Ukuze wenze oku, kufuneka kudlule le algorithm ilandelayo:

1. Bhalisa ku portal, ungena kwaye ufake cabinet yakho yobuqu.
2. Sebenzisa i icon kwi phezulu kwephepha ebizwa ngokuba "iimali Pension".
3. Emva koko klikha kwi iqhosha, nenoxanduva ulwazi kwi-akhawunti yakho.
4. Emva kokuba inkqubo ibonisa ulwazi malunga esitokisini, apho unako ukufunda, ukuba yintoni na ucinga Fermi komhlaba.

Ukongeza, iinkcukacha njengoko apho ingxowa-mali yomhlalaphantsi okulo, kufuneka:

1. I-ofisi yomhlalaphantsi yasekuhlaleni.
2. isebe accounting endaweni yakho yomsebenzi.
3. Branch Sberbank.

Ndazi njani isixa inxalenye ezongezelekayo ye pension, kunokubangela ezi imibutho yabasebenzi.