Masu amfani waɗanda yanzu haka suka yi kwangilar wasu shirye-shiryen fansho tare da Bankia suna cikin sa'a. Daga cikin wasu dalilai saboda daga yanzu za'a basu lada kuma saboda haka zasu sami karin wannan samfurin ritaya. Kamar yadda kayi tsokaci a cikin sanarwar da kuka fitar kwanan nan. A cikin sadaukar da kai ga wannan samfurin kuɗin da ya zama mafi dacewa saboda ƙananan fansho da ake samu a halin yanzu a ƙasarmu. Kodayake a halin yanzu, ba a tura wannan matakan dabarun zuwa wasu hukumomin banki a Spain ba.
Da kyau, don isa ga ma'anar a cikin wannan labarin, ya kamata a lura cewa bisa ga Bankia zai biya bashin har zuwa 5% ga waɗanda suka ba da gudummawa da canja wurin zuwa shirin fansho a cikin tsarin yakin fansho, wanda zai gudana har zuwa karshen dubura. Makircin kari kuma kaso na kari zai dogara ne akan adadin da aka bayar ko aka tara daga wasu bangarorin, shirin tafiya da kuma alkawarin tsayawa.
A gefe guda, daga wannan bankin yake ya karfafa kamfen din ta na fansho tare da ƙaddamar da shirin 'Bankia Protegido Renta Premium X', wanda ke bada tabbacin lokacin balaga, a cikin Disamba 2026, a tara darajar 16,82%, wanda ke wakiltar 2% APR. Wannan samfurin an keɓe shi ne don jan hankalin sababbin gudummawa da haɗakarwa daga ɓangare na uku.
Bankia ya daidaita su da bukatun
Har ila yau, ya kamata a san cewa wannan samfurin ya cika jerin shirye-shiryen fensho waɗanda ke tallatar da su, wanda zai yiwu a saka hannun jari a cikin manyan kasuwannin kuɗi, daidaitawa da tsammanin abokin ciniki dangane da bayanin su da kuma haɗarin da ke ciki. ɗauka. Ta wannan hanyar, Bankia abokan ciniki iya bayar da gudummawa ga tsare-tsaren ajiyar kuɗi na gajeren lokaci, tsayayyen kudin shiga, hadadden kudin shiga, hadadden kudin shiga mai canzawa, mai canzawa mai shigowa, mai tabbaci ko ma an bayyana shi.
Bankia a cikin sanarwar manema labaru ta jajirce don ba da shawara ta musamman a matsayin muhimmiyar mahimmanci don cimma burin ƙarshe na a isasshen fa'idodin ritaya. Shawara da ke la'akari da halayen abokin ciniki, kamar shekarunsu da bayanin haɗarinsu, kuma wanda ke nazarin samfuran da aka ba da shawara akai-akai, don bayar da kowane tsari mafi dacewa ko tsare-tsaren martabarsu a matsayin mai saka jari.
Fensho shirin na'urar kwaikwayo
Don taimakawa duk waɗanda suke so su shirya ritayarsu, Bankia yana sanya muku na'urar kwaikwayo mai karfi don gano mafi kyawun shirin fansho, a cikin abin da aka kirkira azaman kayan aikin kan layi wanda mai sha'awar zai iya amfani dashi lissafin kudin haya na wata cewa zaka iya samu a lokacin ritayar ka fara daga biyan kuɗin kowane wata da kake ajiyewa saboda wannan dalilin. Hakanan zaka iya gano nawa za ka bayar da gudummawa ga shirin fansho ka sami adadin adanawa a lokacin ritayar ka.
Bugu da kari, bankin zai karfafa gudummawa ga shirin fansho da banbanci daban-daban fakitin kyauta dangane da gudummawar da aka bayar zuwa ga waɗannan kayan aikin. Dogaro da adadin da aka bayar, mahalarta shirin na iya zaɓar tsakanin kyaututtuka biyu: kyauta ta zahiri ko ta dijital, wanda ta ƙunshi baucan, na wani adadi, wanda za'a iya sake biya akan Amazon. A matsayin sabon tsarin kasuwanci don zaɓar wannan samfurin na musamman don shekarun zinariya na abokan ciniki.
Tare da tsara kyaututtuka
Ta wannan hanyar, abokin ciniki zai iya zaɓar tsakanin kyaututtukan gwargwadon ƙididdigar masu zuwa:
- Don gudummawa shigar da 3.000 y 4.999, mahalarta na iya zaɓar baucan Amazon don euro 25 ko mabudin giya na atomatik. Don ba da gudummawa tsakanin 5.000 da 7.999, zaku iya zaɓar tsakanin baucan euro na 45 don kashewa akan Amazon ko Sony mai magana da hannu. Don ba da gudummawa tsakanin 8.000 da 15.999, zaku iya zaɓar tsakanin rajistan Euro 100 don sayayya a kan Amazon ko kallon wasanni.
- Kuma a ƙarshe zuwa gudummawa daga euro 16.000, abokin ciniki zai iya zaɓar tsakanin takaddun shaida wanda aka ƙimce da euro 250 don musayar shi kowane labarin daga Amazon ko Toshiba Smart TV. Inda abokin ciniki da kansa zai iya bayar da nasa gudummawa ko haɗakarwa zuwa tsare-tsaren fansho daga tashoshin dijital na mahaɗanKo dai daga Bankia On Line, ko amfani da manhajar banki. Kari akan haka, daga wadannan dandamali na dijital zaka iya bincika kyaututtukan da zasu iya zaɓa gwargwadon adadin gudummawar da aka bayar.
Bayanai game da kasuwar shirin
A halin yanzu, fiye da 20% na shirin fansho ana yin su ta hanyoyin dijital, maki bakwai fiye da shekara guda da ta gabata. Duk da cewa akwai wani taka tsantsan don yin rijistar wannan nau'in samfuran kuɗi waɗanda suke na musamman kuma a lokaci guda ya zama dole ga babban ɓangare na al'ummar Sifen. Ta wani bangare, sanadiyyar karamin adadin da a yanzu kuke gabatar da fansho na gwamnati kuma wanda mafi karancin kudinsa ya tsaya a shekara mai zuwa shine kusan Yuro 650 wata daya. Ciki har da sababbin ƙididdigar da gwamnatin yanzu ta Spain ta yi. Haƙiƙa abin da kyakkyawan ɓangare na masu karɓar fansho na Spain ba su sani ba.
Shin ya dace don hayar wannan samfurin?
A gefe guda, ya zama dole a bincika daga waɗannan lokacin idan da gaske daraja biyan kuɗi kamar wannan shekarar da muke ciki. Domin a zahiri, daya daga cikin kwarin gwiwar yin rijistar samfurin wadannan halaye yana kasancewa ne kasancewar wanda yake da'awar yana da kudin fansho mai ragin gaske kuma hakan baya bashi damar samun ingantacciyar rayuwa a lokacin jin dadin shekarunsa na zinare. Tare da shirin fansho, zaka iya kara kudin shigar ka gwargwadon gudummawar da ka bayar yayin rayuwar ka. Wato, zaku iya daidaita shi zuwa ainihin buƙatunku kuma a matsayin mai dacewa da fansho da kuka karɓa.
A halin yanzu, mafi karancin fansho a Spain yana ɗaya daga cikin mafi ƙasƙanci a Tarayyar Turai, inda ƙaramar da wuya ta wuce matakin Yuro 600 na wata-wata. Duk da yake an ba da gudummawa ga wannan shekara a Yuro 386 kowace wata. Wannan karancin fahimtar kuɗi yana haifar da cewa ɓangare mai kyau na ma'aikata dole su nemi dacewa da ita. Kuma a wannan matakin ne inda ake kira shirye-shiryen fensho waɗanda suke a cikin bayar da manyan hukumomin banki suna taka rawar da ta dace sosai.
Mafi karancin fansho a 2019
Duba gaba zuwa wannan shekara ta yanzu, za a sake biyan fansho da farko bisa ga hasashen hauhawar farashin kaya (1,6%), tare da wannan garantin na biyan diyya idan har aka sami sauyi a hauhawar farashin kaya a ƙarshen shekara, kamar yadda zai faru a wannan shekara. Sakamakon wannan matakin, za a kafa fansho na bada gudummawa kamar haka, wanda muke bayani dalla-dalla a cikin wannan bayanin.
Fansho na fansho na mai riƙe da shekaru 65 ko sama da haka
A cikin daidaituwa tare da mata mai dogaro, Yuro 810,60. Ba tare da mata ba, 656,90 euro. Tare da wanda ba abokin dogaro da euro 623,40.
Ritayar fansho na mai riƙewa ƙasa da shekara 65
A cikin daidaituwa tare da mata mai dogaro, Yuro 759,90. Ba tare da mata ba, 614,50 euro. Tare da wanda ba abokin dogaro da euro 580,90.
Fensho na ritaya shekaru 65 daga mummunan rauni
A cikin daidaituwa tare da mata mai dogaro, Yuro 1.215,90. Ba tare da mata ba, 985,40 euro. Tare da wanda ba abokin dogaro da euro 935,1.
Fensho na nakasa na dindindin: nakasa mai tsanani
A cikin daidaituwa tare da mata mai dogaro, Yuro 1.215,90. Ba tare da mata ba, 985,40 euro. Tare da wanda ba abokin dogaro da euro 935,10.
Fansho na nakasassu na dindindin
A cikin daidaituwa tare da mata mai dogaro, Yuro 810,60. Ba tare da mata ba, 656,90 euro. Tare da wanda ba abokin dogaro da euro 623,40.
'Yan fansho wadanda ba su da gudummawa
Wani bangare da dole ne a kula da shi shi ne na mutanen da ba za su iya samun kuɗin fansho ba. Asali don ba da gudummawar shekaru goma sha biyar a cikin gudummawar Social Security kuma suna da a matsayin makoma ta ƙarshe don neman a fensho mai ba da gudummawa. Da kyau, wannan taimakon ga mutanen da ke tsakanin shekara 65 zuwa 67 za a biya su, idan sun cika dukkan buƙatun, tare da biyan wata na Euro 385.
Kodayake don wannan bai kamata su samu ba kudin shiga sama da Yuro 7.200 kimanin shekara guda. Idan don kowane irin yanayi, suna da kudin shiga na shekara shekara sama da abubuwan da aka yi la'akari da su, za a janye wannan taimakon na hukuma zuwa mafi ƙarancin abin da aka kafa kusan Euro 110 a kowane wata. A halin da ake ciki, ɗayan mafita don samun kyakkyawan ritaya zai kasance faɗaɗa shi ta hanyar tsarin fansho mai sauƙi ko ƙasa da ƙasa. Kodayake, ba shakka, zai zama mai matukar mahimmanci don tsara shi tare da hangen nesa don adadin ya zama da gaske.
Wani ma'aunin don gyara wannan ƙarancin kuɗin zai dogara ne da ɗaukar asusun saka hannun jari a cikin samfuranta mabanbanta. Amma ba wata hujja da suke bayar da garantin ƙaramar riba, amma akasin haka yana iya haifar da daidaito mara kyau kamar yadda ya faru a shekarar da muka rufe. Tare da raguwar mahimmanci a cikin ayyukan jarin su. Kuma a wannan matakin ne inda ake kira shirye-shiryen fensho waɗanda suke a cikin bayar da manyan hukumomin banki suna taka rawar da ta dace sosai.