Ukubalwa endala-ubudala pension, okanye cinga umhlala-phantsi wabo

nezimaphambili ezingundoqo ibale inkamnkam

Ukubalwa endala-iminyaka yomhlalaphantsi yenziwe ngokungqinelana noMthetho № 173-FZ eyamkelwe nguRhulumente Duma ngoDisemba 2001. Umthetho uchaza iingqiqo esisiseko yomhlalaphantsi ethe ezifana ubude nkonzo, oko kukuthi i-inshorensi. Oku kuchazwa nje ixesha apho umntu uhlawula kwi -mali yomhlalaphantsi iminikelo. Ngokusekelwe kule mali uqikelelo eyinkunzi pension uphinde ubalo umisela inkqubo ukuze kubalwe yamandulo-inkamnkam.

Imihla kunye accrual iminyaka yomhlalaphantsi idityanisiwe ifomula ukubala

Ixabiso ye pension ixhomekeke inxalenye ezixhaswa ngemali kunye ne-inshorensi. Inxalenye ye-inshorensi - ukuba wonke umsebenzi, baqinisekisa iingxelo zengqesho umhlala elizayo. Umthetho ibala kwi omkhulu ngelixa ukusebenza kokubini eRashiya nakwamanye amazwe. Inkqubo yokuqingqa eli ixesha elixelwe mthetho (Inqaku le-10, umhlathi 2). Eli nqaku idwelisa ngamaxesha 11 ezahlukeneyo yokusebenza enokuthi afakiweyo inshorensi.

Ukubalwa endala-iminyaka yomhlalaphantsi isekelwe phezu inxalenye esisiseko imali yomhlalaphantsi (kokuba imisiwe nguRhulumente Russian ngo-2012 NB = 3170 engange). Ukuba intsapho abaxhomekeke, le warhead uya kuba ngakumbi (kuxhomekeka kwinani ukunyuka abaxhomekeke mali). Inxalenye Isiseko iyahluka nendawo ethile yomsebenzi (emantla ezigqithisileyo, lishishini enobungozi, njalo njalo), oku kubonakala kuMthetho, Inqaku 14. Khumbula ukuba isicelo ukubala pension kufuneka ibe kakuhle kwangaphambili enyangeni leyo, ngenxa emibini okanye emithathu ukuya kwiminyaka ezingxoxweni, echazwe ngokomthetho.

Ifomula ye-inshorensi

Ifomula yenxenye inshorensi - MF (efunyanwa calculation) = PC / T. Isisiseko apho ukubalwa endala-inkamnkam. PC - kukho umlinganiselo othile eyinkunzi pension, nto leyo zibalwe ngosuku apho umntu esenza isicelo accrual le yomhlala phantsi. Kwifomula, incwadi T na ixesha ngethuba apho bekumele ukuba ahlawule imali ye pension na inani eliqingqiweyo iinyanga 216. PC linani efunyenwe ngexesha izibalo.

period zokuhlala

Inxalenye yazo - ukujonga kakuhle imali eyinkunzi umhlalaphantsi xa usenza izibalo eyakho ubungakanani wamandulo-inkamnkam. Ifomula yokubala capital pension kucacisiwe kwiSiqendu 30 lomThetho, kwaye uchazwa ngolu hlobo lulandelayo: PC = (RP - NB) x T. Kulo ifomula, RP ibalwa ngolu hlobo lulandelayo: RP = RR x SC / ST x FFP.

SC Isalathisi stazhevogo into, oko ibalwe kwaye kuxhomekeke kwindlela emininzi iminyaka yamava umntu. Amava kule minyaka imashumi mabini / amabini anesihlanu - ngumlingani 0,55. Nyaka ngamnye olandelayo yokusebenza idibanisa ngokomfanekiso IC 0,01, kodwa iyonke ngeke ibe nkulu kwe-0.75 IC. Yiba amava ubuncinane iminyaka engama-50, 'ngumlingani ka-0.75 ke eluphahleni.

WP - lo yomvuzo womqeshwa iinyanga 60, ezithatyathwe ixesha xa umqeshwa ufumana umvuzo, lowo iqinisekisa isiqinisekiso zengqesho, sibhalwe kwisebe accounting. iinyanga 60 zithathwa ukuba nasiphi na isithuba sengqesho, kungakhathaliseki nokuba uphumile okanye akaphumanga bekhefu amava. RFP - umlinganiselo yomvuzo avareji eRashiya ngenxa xesha, eli nani lungafumaneka kwi-Pension Fund. Kwimeko sokwala ubhale isicelo esibhaliweyo ukuze ndinixelele lo mzobo.

FFP - kuqinisekiswa data Government kwi yomvuzo avareji kwikota III ka-2001, wavakalisa njengoko isixa esiqingqiweyo ngo-1671 engange. Eli nani ebekwe nguRhulumente Russian ukubala of ipension, ukususela kokupapashwa EMthethweni ayikatshintshi. Ngoko ke, kubalulekile ukubala ukuba umlinganiselo ubude bayo, liphindaphinde nge lixabiso elifunyenwe emva ngokwahlula umvuzo angumndilili umhlala (bakhe iyantlukwano umvuzo yi seenyanga ezingamashumi amathandathu) kwi elingu eRashiya, kwaye ke inani engumphumela liphindaphindwe 1671 engange.

Fumana RP ukuLungele ukuPasa (ebizwa ngokuba ubukhulu yomhlala-phantsi), eli nani kulindeleke ukuba PC = olungumgubo (RP - NB) x T, apho sele kwaziwa onke amanani. Ukufumana imali yomhlalaphantsi. Ukubala i-inshorensi (bona EQ. Ngaphezu). Ixhume ku isahlulo isiseko, ukuba afumane ipension.

Cinga uze ubale

Oku xa kubalwa kunye inxalenye ezixhaswa ngemali, kodwa aninjalo nonke. Kuxhomekeke unyaka wokuzalwa kwaye amisele umthetho. Ngoko, ukwenza ubalo yamandulo-yobudala yomhlala-phantsi, kufuneka uqonde umgaqo ukubala, ukuqonda iifomyula, baze bazibale. Ukuba usafuna bedidekile amanani, ekuthegeni kunye ufunde umthetho ukusuka ekuqaleni, ngoncedo amanqaku kunye nomthetho ngokuyimfuneko liziqonde ubale ngokwakho.