Fensho Mafi Girma da Mafi qarancin Fensho na Fensho a 2018

fansho a Spain

Tsarin fansho na Jama'a yana da manufar samar da aminci da isasshen kudin shiga lokacin da akwai dalilan da suke buƙatar hakan, kamar tsufa ko wata nakasa. Saboda ana amfani da tsarin don yanke shawarar bambance-bambance na kudaden shiga saboda 'yancin da aka ambata a baya, Gwamnati na ganin akwai bukatar sanya iyaka a kan Fansho, wanda hakan ke haifar da mafi karancin iyaka na fansho da matsakaicin iyaka na fansho.

Me yasa aka sanya iyaka, kamar matsakaita da mafi karancin fansho

A al'adance Gwamnati tana sanya waɗannan iyakokin bisa ga Dokar Kasafin Kudin Jiha. Hakanan, shi ma yana kafa Minarancin Albashi na Kwararru da Nunin Jama'a na pleididdigar Illolin Masu Yawa. A takaice, yana kula da kafawa iyakar matsakaicin fansho da mafi karancin fansho na fansho na jama'a.

A cikin Disamba 2017, an buga shi - ragin fansho, na 2018 da 0.25%, wanda shine mafi karancin doka wacce aka kafa. Muna magana ne game da shekara ta biyar a ciki, a jere, fansho za su tashi da kashi 0.25%, wanda bisa ga Reididdigar ualididdigar shekara-shekara na fansho, wanda aka tanada a Dokar 23/2013, ita ce mafi ƙarancin doka da aka kafa kuma tana la'akari da kuɗaɗen shiga da kuɗin tsarin, yana kafa mafi ƙarancin ƙaruwa na 0.25%, kuma aƙalla na CPI, a cikin ƙari zuwa 0.50%.

Mafi qarancin fansho na ritaya a cikin 2018

yan ritaya

Wani lokaci, fansho wanda aka ba ka dama yana da ƙasa ƙwarai, shi ne lokacin da aka bayyana mafi ƙarancin, ƙananan iyaka don ƙoƙari ya isa ya rufe ƙananan kashe kuɗi. Kalmar da aka yi amfani da ita don wannan ƙaramar cikawa ce kuma tana nufin ƙididdigar da aka yi a kan mafi karancin fansho da adadin da aka ba ka dama. Don karɓar wannan ƙaramar ƙarin kuma don samun damar zuwa ƙananan fansho, ya zama dole a kasance cikin yankin ƙasa.

Labari mai dangantaka:
Yadda ake samun mafi karancin fansho a ritaya?

Mutumin da yake da fansho, wato, ɗan fansho yana da ƙayyadadden ƙaramin ƙaramin fansho, bi da bi, saboda takamaiman halin aurensu, da kuma shekaru shi ma wani al'amari ne da ake la'akari da shi don kafa mafi ƙarancin fansho, shekarun ɗan fansho na iya ko ƙasa da shekaru 65.

Za'a iya sanya takamaiman yanayin aure na dan fansho zuwa daya daga cikin wadannan bambance-bambancen guda uku:

  • Tare da matar da ba ta dogara ba
  • Tare da abokiyar aure
  • Babu mata

Abokiyar aikin da take dogaro tana nufin ko mutumin da yake da haɗin aure tare da wanda yake ɗan fansho yana dogara da shi ta fuskar kuɗi. Ana fahimtar wannan lokacin mutumin da yake zaune tare da mai fensho ba shi ne ma mai fansho ba Saboda haka, dogaro da tattalin arziƙi yana ƙarfafa jimillar kuɗaɗen da duk zasu iya samun dama, la'akari da duk wani kudin shiga na kowane irin yanayi, bai kai is 8.321,85 ba a shekara.

Idan haka ne, cewa kudin shigar bangarorin biyu bai kai wannan adadin ba, akwai kari wanda ya yi daidai da banbancin, an rarraba tsakanin adadin adadin kudin wata-wata. Ba a ba da izinin ƙaramar caji ba wuce adadin fansho wanda zai yi daidai lokacin da aka sami masu cin riba biyu masu haƙƙin fansho idan akwai abokiyar aure.

Lissafin fansho na ritaya

fansho na ritaya

Akwai dalilai guda uku wadanda ke tabbatar da yadda fansho ya kamata ya kasance:

Adadin shekarun jeri:

Wannan ya kasance a cikin rayuwar aiki, tunda tare da shekaru 15 na gudummawa, ana iya samun damar 50% na Kundin Tsarin Mulki (wanda za'a bayyana a ƙasa) kuma yana ƙaruwa har sai an sami damar isa ga 100% na Reungiyar Gudanarwa, Akalla 35 da kuma rabin shekaru na gudummawa a cikin 2018 (wannan lamarin yana canzawa har zuwa 2027, to mafi ƙarancin shekaru 37 na gudummawa za a buƙaci ya kai 100% na Rea'idar Gudanarwa.

Shekaru da ake tsammani:

Zai yiwu mu yi tsammanin wasu shekaru na ritayarmu, idan muna tsoron yiwuwar samun damar ɗayan hanyoyin da Babban Dokar Tsaro na Tsaro don Ritayar Farko.

Tsarin ka'idoji:

Wannan shine ma'anar lissafin da aka sabunta tare da bambancin CPI na adadin da Asusun Bayar da Gudummawa yayi a wani takamaiman lokaci: A cikin 2018, shekaru 21 kafin yin ritaya, yana ƙaruwa har zuwa 2022 zai zama shekaru 25.

Idan an ba da gudummawa ga fewan shekaru ga tsarin ko tarihin bayar da gudummawa don ƙananan tushe, la'akari da shekaru fiye da 15 don samun damar samun haƙƙin fansho na ritaya, akwai babban yuwuwar cewa yawan fensho a kowane ritaya, ko a wuce haddi, low. Kuma a ɗaya gefen, idan gudummawar ta yi yawa sosai kuma fansho na ritaya ya kasance cikin gudummawar shekaru da yawa, zai yi yawa sosai. Don haka Tsarin yayi kokarin tabbatar da cewa akwai sake rabon kudaden shiga, ta yadda yan fansho masu yawa suna da iyaka kuma yan fansho masu kadan suna da mafi karanci.

mafi karancin da fansho

Rarraba ritayar fansho bayan shekara 65

  • Tare da matar da ke dogaro, tana daidai da adadin wata of 788,90 kuma a shekara zuwa, 11.044,60.
  • Ba tare da mata ba yana daidai da adadin 693.30 a wata da 8.950,20 a shekara.
  • Tare da abokin aure mara dogaro, yana da 606,70 kowace wata kuma 8.593,89 a shekara.

Rarraba Pan fansho kafin shekara 65

  • Tare da abokiyar aure, tayi daidai da adadin wata na 739,50 da 10.353,00 a shekara.
  • Ba tare da mata ba yana daidai da adadin 598,00 a wata da 8.372,00 a shekara.
  • Tare da abokin aure mara dogaro, sune 565,30 kowace wata kuma 7.914,20 a shekara.

Rarraba Fensho na ritaya daga tsananin nakasa

  • Tare da abokiyar aure, tayi daidai da adadin wata na 1.183,40 da 16.567,60 a kowace shekara.
  • Ba tare da mata ba yana daidai da 959,00 kowace wata da 13.426,00 a shekara.
  • Tare da abokin aure mara dogaro, yana da 910,10 kowace wata kuma 12.741,40 a shekara.

Fensho na ritaya don tsananin nakasa (nakasa ta dindindin)

  • Tare da abokiyar aure, tana daidai da 1.183,40 kowace wata da 16.567,60 a shekara.
  • Ba tare da abokiyar aure ba, yana da 959,00 kowace wata kuma 13.426,00 a shekara.
  • Tare da abokiyar da ba ta dogara ba suna 919,10 kowace wata kuma 12.741,40.

Rarraba Fensho na ritaya don cikakkiyar nakasa

  • Tare da abokiyar aure, suna 788,90 kowace wata kuma 11.044,60 a kowace shekara.
  • Ba tare da mata ba, suna 639,39 kowace wata kuma 8.950,20 a shekara.
  • Tare da mata BA a kula, suna 606,70 kowace wata kuma 8.493,80 a kowace shekara.

Rarraba ensionan fansho don rashi na dindindin

  • Tare da abokiyar aure, suna 739,50 kowace wata kuma 10.353,00 a shekara.
  • Ba tare da mata ba, yana daidai da 598,00 kowace wata da 8.372,00 a shekara.
  • Tare da abokin aure mara dogaro, yana da 565,30 kowace wata kuma 7.914,20 a shekara.

Rarraba mafi karancin fansho don zawarawa

Tare da masu dogaro da iyali, daidai yake da 739,59 kowace wata da 10.353,00 a shekara.
Tare da shekaru 65 ko nakasa, suna 639,30 kowace wata kuma 8.950,20 a shekara.
Tsakanin shekara 60 zuwa 64, sune 598,00 a kowane wata da 8.372,00 a shekara.
A karkashin shekaru 60, suna 484,20 kowace wata kuma 6.778,80 kowace shekara.

Mafi qarancin fansho a shekarar 2017

  • A shekara 65, tare da abokiyar aure, ya kasance 786,90 637,70 kowace wata. Ba tare da abokiyar aure ba, ya kasance 605,10 XNUMX kowace wata. Tare da abokin aure mara dogaro, ya kasance XNUMX kowace wata.
  • Ritaya tsakanin yearsan shekaru 65 yayi daidai, tare da abokiyar aure, na 737,60 589,36 a wata. Ba tare da mata ba, ya kasance 563,80 XNUMX. Tare da abokiyar da ba ta dogara ba, ya kasance XNUMX XNUMX kowace wata.
  • Tare da shekaru 65 na rashin lafiya mai tsanani, tare da mai dogaro, ya kasance 1180,40 kowace wata. Ba tare da mata ba, ya kasance 956,50 kuma tare da abokin dogaro, ya kasance 907,70 kowace wata.
  • A gefe guda kuma, iyakar kudin shigar shekara-shekara na karamin kari, ba tare da fansho ya hada ba, ya kasance, 7.116,18 ba tare da mata ba kuma € 8.301,10 tare da matar da ke dogaro da ita.

Fensho mafi girma a cikin 2018

mafi yawan fansho

A cikin 2018, matsakaicin adadin fansho shine euro 36.121,82 a shekara. Idan aka karɓi fansho biyu, adadin su ba zai iya zama ya fi na iyakar iyaka ba.

Kamar yadda akwai Ritayar Farko, ban da rage ƙimar ƙarfin ofa'idar Gudanarwa a gaba, Adadin da ya samo asali daga fansho ba zai iya wuce adadin da ke faruwa ba sakamakon rage iyakar iyaka da 0.50% kowane kwata. Don haka, ana iya samun damar mafi yawan fansho idan an fara tun daga shekarun talakawa.

Koyaya, iyakantaccen iyakar fansho za'a iya wuce lokacin da akwai ƙarin haihuwa, yana ƙaruwa daga 5% zuwa 15% dangane da ko yawan yaran yakai 2, 3, 4 ko sama da haka kuma ta hanyar tsawaita rayuwar aiki sama da dokar ritaya ta doka shekaru lokacin da samun damar fansho ya yi ritaya a lokacin da ya fi na talakawa girma, kuma saboda wannan dalili za a sami ƙarin kaso a kowace shekara na gudummawa a tsakanin tsakanin ranar da ta kai wannan shekarun da na abin da ya haifar da fensho .

Labari mai dangantaka:
Yadda za a ceci shirin fansho?

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