Bankia aganiza zopereka ndalama zake zapenshoni

penshoni Ogwiritsa ntchito omwe pano atenga mapulani a penshoni ndi Bankia ali ndi mwayi. Mwa zina chifukwa kuyambira pano adzapatsidwa mphotho ndipo chifukwa chake apeza zambiri kuchokera apa mankhwala opuma pantchito. Monga mudanenera munkhani yanu yaposachedwa. Kudzipereka ku chinthu ichi chachuma chomwe chakhala chofunikira kwambiri chifukwa cha mapenshoni ochepa omwe alipo m'dziko lathu lino. Ngakhale pakadali pano, njirayi sinasamutsidwe ku mabungwe ena amabanki ku Spain.

Kuti tifike pamfundo iyi, ziyenera kudziwika kuti malinga ndi Bankia ipereka bonasi mpaka 5% kwa iwo omwe amapereka ndi kusamutsa mapulani a penshoni malinga ndi kampeni yapenshoni. mpaka kumapeto kwa anus. Chiwembu cha mabhonasi ndipo kuchuluka kwa kuchotsera kutengera kuchuluka komwe kwaperekedwa kapena kusungidwa kuchokera kuzinthu zina, dongosolo lakomwe akupitako komanso kudzipereka kwachikhalire.

Mbali inayi, kuchokera kubanki iyi ndi imalimbikitsa kampeni yake yapenshoni ndi kukhazikitsidwa kwa dongosolo la 'Bankia Protegido Renta Premium X', lomwe limatsimikizira pakukula, mu Disembala 2026, a kuwerengera kuwonjezeka kwa 16,82%, yomwe ikuyimira 2% APR. Izi zimangotengera kukopa zopereka zatsopano ndi zolimbikitsa zakunja kuchokera kwa ena.

Bankia amawasinthira kuzosowa

Tiyeneranso kukumbukira kuti mankhwalawa akukwaniritsa mndandanda wamapenshoni omwe amagulitsidwa ndi bungwe, omwe amatha kugulitsa misika yayikulu yazachuma, kutengera zomwe makasitomala akuyembekeza kutengera mbiri yawo komanso chiwopsezo chomwe chikukhudzidwa. kuganiza. Mwa njira iyi, Makasitomala a Bankia atha kupanga zopereka ku mapulani a ndalama zazifupi, ndalama zakanthawi yayitali, ndalama zosakanikirana, ndalama zosakanikirana, ndalama zosinthika, zotsimikizika kapena zosungidwa.

Bankia m'mawu ake atolankhani akudzipereka ku upangiri waumwini monga chinthu chofunikira kuti mukwaniritse cholinga chomaliza cha a phindu lokwanira pantchito. Upangiri womwe umaganizira za zomwe kasitomala akuchita, monga zaka zawo komanso mawonekedwe ake pachiwopsezo, ndikuwunikanso pafupipafupi zinthu zomwe akufuna, kuti athe kupereka dongosolo kapena malingaliro oyenera a mbiri yawo ngati wogulitsa.

Ndondomeko ya penshoni

bankia Pofuna kuthandiza onse omwe akufuna kukonzekera kupuma pantchito, Bankia ikukuyikani kuti mukhale ndi pulogalamu yamphamvu kwambiri yodziwira mapenshoni, yomwe imagwiritsidwa ntchito ngati chida chapaintaneti chomwe munthu wachidwi angathe werengani renti pamwezi zomwe mutha kuzipeza panthawi yopuma pantchito kuyambira pamalipiro amwezi omwe mumasunga pazifukwa izi. Muthanso kudziwa kuchuluka kwa zomwe mungapereke pa pulani yanu kuti mupeze ndalama zina panthawi yopuma pantchito.

Kuphatikiza apo, banki imalimbikitsa zopereka ku mapenshoni mosiyanasiyana phukusi la mphatso kutengera mtundu wa zopereka zopangidwa ndi zida izi. Kutengera ndi zomwe zaperekedwa, omwe akutenga nawo gawo angasankhe pakati pa mphatso ziwiri: mphatso yakuthupi kapena yadigito, yokhala ndi vocha, pamlingo winawake, yowomboledwa ku Amazon. Monga njira yatsopano yamalonda yosankhira chinthu chapaderadera kwambiri pazaka zagolide za makasitomala.

Ndi m'badwo wa mphatso

Mwanjira iyi, kasitomala azitha kusankha pakati pa mphatso kutengera kukulitsa uku:

  • Za zopereka entre 3.000 y 4.999, wochita nawo kafukufukuyu azitha kusankha vocha ya Amazon yama euro 25 kapena yotsegulira vinyo. Pazopereka pakati pa 5.000 ndi 7.999, mutha kusankha pakati pa vocha ya 45 euro yomwe mungagwiritse ntchito ku Amazon kapena speaker speaker ya Sony. Pazopereka pakati pa 8.000 ndi 15.999, mutha kusankha pakati pa cheke cha ma 100 euros pazogula ku Amazon kapena paulonda wamasewera.
  • Ndipo potsiriza, ku zopereka zochokera ku 16.000 euros, kasitomala amatha kusankha pakati pa coupon yamtengo wa ma 250 euros kuti asinthanitse nayo nkhani iliyonse kuchokera ku Amazon kapena Toshiba Smart TV. Komwe kasitomala yemweyo azitha kupanga zopereka zake kapena zolimbikitsira mapulani a penshoni kuchokera kuma digito abungweliMwina kuchokera ku Bankia On Line, kapena kugwiritsa ntchito pulogalamu ya banki. Kuphatikiza apo, kuchokera papulatifomu iyi ya digito mutha kuwona mphatso zomwe angasankhe kutengera ndi zomwe zaperekedwa.

Zambiri pamsika wamapulani

Pakadali pano, zopitilira 20% zamakampani ogulitsa mapenshoni amapangidwa kudzera muma digito, mfundo zisanu ndi ziwiri kuposa chaka chimodzi m'mbuyomu. Ngakhale pali chenjezo linalake lolembetsa kuzinthu zamtunduwu zachuma zomwe ndizapadera komanso nthawi yomweyo zomwe zimafunikira gawo lalikulu la anthu aku Spain. Mwa zina, zimayambitsidwa ndi kuchuluka kotsika komwe mumapereka ndalama zapenshoni pagulu komanso kuchuluka kwake kumayima chaka chamawa mozungulira 650 euros mwezi. Kuphatikiza pakuwunika kwatsopano kochitidwa ndi boma la Spain. Chowonadi chomwe gawo labwino la opuma pantchito ku Spain sadziwa.

Kodi ndizotheka kubwereka mankhwalawa?

kusungirako Komabe, ndikofunikira kusanthula kuchokera munthawi ngati zenizeni ndiyofunika kulembetsa monga chaka chino. Chifukwa kwenikweni, chimodzi mwazinthu zomwe zimalimbikitsa kulembetsa zinthu zoterezi zimakhalapo poti wofunsayo ali ndi penshoni yocheperako ndipo sizimulola kuti akhale ndi moyo wabwino panthawi yosangalala zaka zake zagolide. Ndi pulani ya penshoni, mutha kuwonjezera ndalama zanu kutengera zomwe mwapereka pamoyo wanu. Ndiye kuti, mutha kuzisintha mogwirizana ndi zosowa zanu zenizeni komanso ngati chothandizira pa penshoni yomwe mumalandira.

Pakadali pano, ndalama zochepa zapenshoni ku Spain ndi imodzi mwazotsika kwambiri ku European Union, komwe ndalama zochepa kwambiri zimaposa mulingo wa 600 euros pamwezi. Pomwe zomwe sizinachitike zimafotokozedwa chaka chino ku 386 euros pamwezi. Lingaliro laling'ono lazachuma limapangitsa kuti gawo labwino la ogwira ntchito liyenera kufunafuna owathandizira. Ndipo ndi pamlingo uno pomwe zomwe zimatchedwa mapenshoni omwe amapezeka pakupereka mabungwe akuluakulu kubanki amakhala ndi gawo lofunikira kwambiri.

Penshoni zochepa mu 2019

Tikuyembekezera chaka chino, mapenshoni adzabwezeredwa poyamba malinga ndi kulosera kwa inflation (1,6%), ndi chitsimikizo chomwecho chobwezera ngati zingasinthike pakukwera kwamitengo kumapeto kwa chaka, monga zichitika chaka chino. Zotsatira za njirayi, mapenshoni opereka ndalama adzakhazikitsidwa motere kuti tidziwe mwatsatanetsatane izi.

Pensheni ya wolowa pantchito wazaka 65 kapena kupitilira apo

Pochita modekha ndi wokondedwa, 810,60 euros. Popanda wokwatirana naye, ma euro 656,90. Ndi wokwatirana wosadalira ma 623,40 euros.

Pensheni ya wopuma pantchito wazaka zosakwana 65

Pochita modekha ndi wokondedwa, 759,90 euros. Popanda wokwatirana naye, ma euro 614,50. Ndi wokwatirana wosadalira ma 580,90 euros.

Kupuma pantchito penshoni zaka 65 kuchokera pakulemala kwambiri

Pochita modekha ndi wokondedwa, 1.215,90 euros. Popanda wokwatirana naye, ma euro 985,40. Ndi wokwatirana wosadalira ma 935,1 euros.

Pensheni yolemala kosatha: chilema chachikulu

Pochita modekha ndi wokondedwa, 1.215,90 euros. Popanda wokwatirana naye, ma euro 985,40. Ndi wokwatirana wosadalira ma 935,10 euros.

Mtheradi wolumala wa penshoni

Pochita modekha ndi wokondedwa, 810,60 euros. Popanda wokwatirana naye, ma euro 656,90. Ndi wokwatirana wosadalira ma 623,40 euros.

Mapenshoni osathandiza

dinero Mbali ina yomwe iyenera kukumbukiridwa ndi ya anthu omwe sangapeze mapenshoni othandizira. Kwenikweni osapereka zaka khumi ndi zisanu mu zopereka zachitetezo cha anthu ndikuti ali ndi mwayi womaliza kufuna penshoni yopanda ndalama. Thandizo ili kwa anthu azaka zapakati pa 65 ndi 67 azilipira, ngati akwaniritsa zofunikira zonse, ndi kulipira pamwezi ma 385 euros pamwezi.

Ngakhale izi siziyenera kukhala nazo ndalama zoposa 7.200 euros pafupifupi chaka. Ngati pazochitika zilizonse, anali ndi ndalama zapachaka zopitilira izi, thandizo lovomerezeka lingachotsedwe pamlingo wochepa womwe umakhazikitsidwa mozungulira 110 mayuro pamwezi. Momwemo, njira imodzi yothandizira kupuma pantchito yabwino ndikukulitsa pulogalamu ya penshoni. Ngakhale, zowona, zidzakhala zofunikira kuzisintha ndi kuwoneratu koyambirira kuti ndalamazo zikhale zofunikira kwambiri.

Njira inanso yothetsera kusowa kwa ndalama kumeneku ikadakhala pakulemba ntchito thumba lazachuma mumitundu yosiyanasiyana. Koma mulimonsemo samatsimikizira phindu locheperako, koma m'malo mwake imatha kupanganso malire olakwika monga zidachitikira mchaka chomwe tangotseka. Ndi kuchepa kwakukulu m'mabizinesi awo azachuma. Ndipo ndi pamlingo uno pomwe zomwe zimatchedwa mapenshoni omwe amapezeka pakupereka mabungwe akuluakulu kubanki amakhala ndi gawo lofunikira kwambiri.


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