Wenza njani kusekwe kwaye recalculation of yomhlalaphantsi?

UMbuso uqinisekisa wonke ummi umhlala-phantsi wakhe, ubukhulu equka iindawo ezininzi. Isiseko ke yomhlala pension ubuncinane. Kufuneka uhlawule ukuba usebenze iminyaka engaphezu kwama-5. Insurance ixhomekeke lomvuzo luqokelelane ukusuka kwi-10% ukuba kutsalwa imali yabo nzima nyanga zonke. Ekugqibeleni, okuqhubekayo kuquka-4% ingeniso kwaye agcwaliswa uzaliso-mali lwakho. It is kwi pension yabo abantu ababezalelwe-1966 kwaye ngaphambili, ukuba ngemali inxalenye yenxenye inshorensi.

Lilawula inxalenye inkxaso ye Gam, kodwa, njengoko kukho indlela, ungasebenzisa iinkonzo zezinye iinkampani yolawulo eza kuphumeza nokusekwa kunye recalculation of yomhlalaphantsi.

ummi ngamnye ukusebenza ezisemthethweni lifumana isaziso esivela PD malunga apho ngemali okuyingxenye kweli thuba akhawunti yakhe. Yena uyakwazi alahle ngokwengqiqo yabo, umzekelo, ukuba atshintshele umbutho trust. Inye kuphela into akunakwenzeka - ngayo ukubamba imali esandleni aze achithe kuzo. Ubuncinane, yonke imihla enidla ningayi kude kakhulu umhlala-phantsi. Emva koko ke kuya kufuneka ngqo zezakho.

Makhe sithethe recalculation. Kusenokuba yimfuneko, ukuba yokutshintsha kweemeko okanye lokusekwa yomhlalaphantsi wena na amaxwebhu amatsha. Recalculation ye pension ingenziwa kwezi meko zilandelayo:

• Wena awela umda kweminyaka engama-80;

• okanye unayo utshintsho yokukhubazeka ;

• ufelwe umondli okanye ilungu eyomeleleyo entsapho;

• sele ngokwaneleyo yenkonzo ukuya Far North kunye nemimandla efanayo.

Kukho ezinye iindlela ezinikelwayo kwimeko nganye nganye ne-mali zabasebenzi yomhlalaphantsi. Umzekelo, ukukhupha recalculation of pension ukuya umhlala zomsebenzi , okanye ekube- imihlala zomkhosi umhlala kufuneka angenise amaxwebhu afanelekileyo.

Ukuze kubalwe kwakhona imali ye pension, kufuneka isicelo imizimba lwengingqi mali yomhlalaphantsi ekuhlaleni ingxelo ebhaliweyo. Ngaphandle izimo ukuba baye kuluhlu lwethu kuqala. Oko kukuthi, ukwanda endala-yobudala yomhlala phezu efikelela kwiminyaka engama-80 ubudala kunye nokukhubazeka, ukuba emiselweyo ophezulu iqela lakhe. Hi ndlela leyi, akukho mazwi basenako ukwenza recalculation of pension kwi kwicala ukuze unciphise.

Ethetha inxalenye inkxaso ye pension, kubalulekile ukukhumbula ingongoma enye ebalulekileyo. Le mali akazange alale bengasebenzi, ukuba imali. Umzekelo, siziguqulela imixokelelwane okanye idipozithi ibhanki ethembekileyo. Kamsinya wenze, kokukhona amathuba eselekhulile obutofotofo ubudala. Noko ke, kukho into ebalulekileyo ukuze kutsalwe imali - njalo. Umzekelo, ukuba kwiminyaka engamashumi amabini ukuya uqale ukulondolozela iwaka engange, uze mane iminyaka ukuphosa eyimbalasane ngonyaka-65 uze intloko ezilungileyo isibini million kwaye yenyanga intlawulo inzala kabini umvuzo wakho. Kodwa ke, yenye into - xa rhoqo elinye elifanayo de umhlalaphantsi iminyaka eliwaka mane. Kangangexesha elide kangaka nenzala yayo kuya kuba ngamashumi okanye amakhulu amaxesha ngaphezu sum of iminikelo ngokwabo. Kwanele ukuba indlu lizwe, naphezu uhambo eYurophu, nokunceda nabazukulwana babo. Noko ke, kukho ipesenti ethile lwemingcipheko yemali, kodwa xa kukho ulwazi olwaneleyo zemali, ukuba bancipha ukya ekupheleni nya.

Ngoku uyazi indlela kusekwe kwaye recalculation of pension, kwakunye nendlela yokulawula kakuhle imali yakho, ukuba aphile ubuhlwempu ebudaleni.