Vashandisi avo parizvino vabata zvimwe zvezvirongwa zvepenjeni neBankia vane mhanza. Pakati pezvimwe zvikonzero nekuti kubva zvino zvichienda mberi vachapihwa mubairo uye nekudaro ivo vanowana zvimwe kubva pane izvi pamudyandigere. Sezvo iwe zvawataura mune yako ichangoburwa yekuburitsa. Mukuzvipira kune ichi chigadzirwa chemari icho chave kunyanya kukosha nekuda kwemapenjeni mashoma aripo munyika medu. Kunyangwe parizvino, ichi chakarongeka chiyero hachina kuendeswa kune mamwe mabhangi masangano kuSpain.
Zvakanaka, kusvika padanho rino muchinyorwa chino, zvinofanirwa kucherechedzwa kuti sekureva kwaBankia ichabhadhara bhonasi inosvika ku5% kune avo vanopa zvipo uye vanoendesa kune zvirongwa zvepenjeni mukati mehurongwa hwemushandirapamwe wepenjeni. kusvika kumagumo kweanus. Sangano re mabhonasi uye chikamu chekudzikisira chichava zvichienderana nemari yakapihwa kana kuunganidzwa kubva kune zvimwe zvinhu, chirongwa chekuenda uye kuzvipira kugara.
Kune rimwe divi, kubva kubhangi iri inosimbisa mushandirapamwe wayo wepenjeni nekuvhurwa kweiyo 'Bankia Protegido Renta Premium X' chirongwa, icho chinovimbisa pakukura, muna Zvita 2026, a akaunganidzwa kuwongorora kwe16,82%, iyo inomiririra 2% APR. Ichi chigadzirwa chakanangwa chete kukwezva mipiro mitsva uye zvekunze zvekusimudzira kubva kune vamwe mapato.
Bankia inozvigadzirisa kune izvo zvinodiwa
Izvo zvinofanirwawo kucherechedzwa kuti ichi chigadzirwa chinowedzeredza rondedzero yemapension mapurisheni ayo anotengeswa nesangano, iro rinokwanisika kuisa mari mumisika mikuru yezvemari, kuchinjira kune zvinotarisirwa nemutengi zvichienderana neprofita yavo uye nenjodzi irimo. fungidzira. Nenzira iyi, Bankia vatengi inogona kupa mipiro ku pfupi pfupi yakatarwa yemari zvirongwa, yemari-yakareba yakamisirwa mari, yakavhenganiswa mari yakatarwa, yakavhenganiswa mari inotorwa, mari inoshanduka, yakavimbiswa kana kunyorwa.
Bankia mukuburitswa kwayo kunozvipira kumazano akasarudzika sechinhu chakakosha kuzadzisa chinangwa chekupedzisira che kubhadhara mari yakakwana. Zano rinofunga nezvehunhu hwemutengi, senge zera ravo uye chimiro chengozi, uye izvo zvinowongorora nguva nenguva zvigadzirwa zvinokurudzirwa, kuti vape nguva dzese chirongwa chakakodzera kwazvo kana zvirongwa zveprofita yavo seanodyara.
Pension chirongwa simulator
Kuti ubatsire vese avo vanoda kuronga kwavo kuenda pamudyandigere, Bankia inoisa zvaunogona simulator ine simba kuti uone yakanakisa chirongwa chepenjeni, mune izvo zvinoumbwa sechishandiso chepamhepo icho munhu anofarira anogona verenga pamwedzi rendi iyo iwe yaunogona kuwana panguva yekurega basa kutanga kubva pamubhadharo wemwedzi wega waunochengeta nekuda kwechinangwa ichi. Iwe unogona zvakare kutsvaga kuti imarii yaungazofanira kupa kune yako mudyandigere chirongwa kuti uwane imwe huwandu hwekuchengetedza panguva yekurega basa.
Pamusoro pezvo, iro bhanga rinokurudzira mipiro kuzvirongwa zvepenjeni zvakasiyana zvipo mapakeji zvinoenderana ne mipiro yakaitwa izvi zviridzwa. Zvichienderana nemari yakapihwa, uyo anotora chikamu anogona kusarudza pakati pezvipo zviviri: chipo chemuviri kana chedigital, chine vocha, yeimwe huwandu, inogona kudzikinurwa kuAmazon. Senzira nyowani yekutengesa yekusarudza ichi chakakosha chigadzirwa chemakore egoridhe evatengi.
Nezera rezvipo
Nenzira iyi, mutengi anozogona kusarudza pakati pezvipo zvichibva pakuyera uku:
- Zvezvipo pakati pe3.000 kusvika zviuru gumi, anotora chikamu achakwanisa kusarudza voucher yeAmazon yemakumi maviri nemashanu euros kana otomatiki waini kuvhura. Pamipiro pakati pe25 ne5.000, unogona kusarudza pakati pevoucher ye7.999 euro yekushandisa kuAmazon kana mutauri anotakurika weSony. Pamipiro pakati pe45 ne8.000, unogona kusarudza pakati pecheki ye15.999 euros yekutenga kuAmazon kana wachi yemitambo.
- Uye pakupedzisira ku mipiro kubva ku16.000 euros, mutengi anogona kusarudza pakati pekuponi yakakosheswa mazana maviri nemakumi mashanu emadhora kuti aichinjana chero chinyorwa kubva kuAmazon kana Toshiba Smart TV. Iko mutengi pachezvake anozokwanisa kupa zvipo zvake kana kukurudzira kune zvirongwa zvepenjeni kubva kumatanho edhijitari echinhuPamwe kubva Bankia On Line, kana kushandisa iyo bhangi's app. Uye zvakare, kubva kune aya mapuratifomu edhijitari unogona kutarisa zvipo zvavanogona kusarudza zvinoenderana nemari yakapihwa.
Dhata pamusoro pemusika musika
Parizvino, anodarika makumi maviri muzana epenjeni chirongwa chekutengesa chinoitwa kuburikidza nemadhijitari chiteshi, manomwe mapoinzi anopfuura gore rapfuura. Kunyangwe paine chokwadi chekuti pane imwe chengetedzo yekunyorera kune ino mhando yezvigadzirwa zvemari izvo zvakakosha uye panguva imwechete zvichidikanwa kune chikamu chikuru cheSpanish nzanga. Muchidimbu, zvinokonzerwa nemari yakaderera yaunoburitsa panguva ino mapenjeni yeruzhinji uye ane huwandu hushoma hunomira gore rinouya dzakakomberedza mazana mana emaeuro mwedzi. Kusanganisira kuongororwa kutsva kunoitwa nehurumende iripo yeSpain. Ichokwadi icho chikamu chakanaka chevapenji veSpanish vasingazive.
Zviri nyore here kuhaya ichi chigadzirwa?
Kune rimwe divi, zvinodikanwa kuti uongorore kubva panguva dzino kana zvirizvo yakakodzera kunyorera segore rino razvino. Nekuti zvirizvo, chimwe chekurudziro yekunyorera chigadzirwa chehunhu hunogara muchokwadi chekuti anenge achikwikwidza ane pension yakaderera kwazvo uye kuti hazvimutenderi kuti ave nehupenyu hwakanaka panguva yekunakidzwa kwemakore ake egoridhe. Nehurongwa hwepenjeni, unogona kuwedzera mari yako zvichibva pamipiro yawakaita panguva yehupenyu hwako. Ndokunge, iwe unogona kuzvigadzirisa kune zvako chaizvo zvaunoda uye semubatsiri wepenjeni iwe yaunogashira.
Parizvino, mudyandigere mudiki muSpain ndeimwe yeakaderera muEuropean Union, uko iwo madiki asingatombo pfuure nhanho ye 600 euros pamwedzi. Ipo iyo isingabatsiri yakatemwa gore rino pa386 euros pamwedzi. Aya maonero akaderera emari anogadzira kuti chikamu chakanaka chevashandi chinofanira kutsvaga mukwanisi pazviri. Uye iri padanho rino apo izvo zvinonzi zvirongwa zvepenjeni izvo zviripo mukupihwa kwemabhengi makuru emabhangi anoita basa rakakodzera kwazvo.
Minimum pension mu2019
Tichitarisa kumberi kune rino gore razvino, mapenjeni anozobviswazve kukosha maererano nezvakataurwa ne inflation (1,6%), iine vimbiso imwecheteyo yekubhadhara muripo kana paine kutsauka kwe inflation pakupera kwegore, sezvichaitika gore rino. Semhedzisiro yechiyero ichi, mapensheni anobatsira anowanikwa nenzira inotevera yatinonyatso tsanangura ruzivo urwu.
Retirement pension yemubati ane makore 65 kana kudarika
Mukuzvibata nemurume kana mukadzi waunovimba naye, 810,60 euros. Pasina mukadzi, 656,90 euros. Iine asiri-anovimba naye mukadzi 623,40 euros.
Retirement pension yemubati pasi pemakore makumi matanhatu nemashanu ekuberekwa
Mukuzvibata nemurume kana mukadzi waunovimba naye, 759,90 euros. Pasina mukadzi, 614,50 euros. Iine asiri-anovimba naye mukadzi 580,90 euros.
Kurega mudyandigere makore makumi matanhatu nemashanu kubva mukuremara kwakakomba
Mukuzvibata nemurume kana mukadzi waunovimba naye, 1.215,90 euros. Pasina mukadzi, 985,40 euros. Iine asiri-anovimba naye mukadzi 935,1 euros.
Pension yekuremara zvachose: kuremara kwakanyanya
Mukuzvibata nemurume kana mukadzi waunovimba naye, 1.215,90 euros. Pasina mukadzi, 985,40 euros. Iine asiri-anovimba naye mukadzi 935,10 euros.
Penjeni yekuremara zvachose
Mukuzvibata nemurume kana mukadzi waunovimba naye, 810,60 euros. Pasina mukadzi, 656,90 euros. Iine asiri-anovimba naye mukadzi 623,40 euros.
Pensheni dzisingabatsiri
Chimwe chinhu chinofanirwa kutarisirwa ndechevanhu vasingakwanise kuwana mapenjeni anobatsira. Chaizvoizvo yekusapa makore gumi neshanu mumipiro yeSocial Security uye kuti vane senzira yekupedzisira yekuda a pension isingabatsiri. Huye, urwu rubatsiro kune vanhu vari pakati pemakore makumi matanhatu nematanhatu nematanhatu ekuberekwa vachabhadharwa, kana vakasangana nezvose zvinodiwa, nemubhadharo wemwedzi wega we65 euros.
Kunyangwe kune izvi havafanirwe kunge vaine mari pamusoro pe7.200 euros rinenge gore. Kana pane chero mamiriro ezvinhu, vanga vaine mari yegore rose pamusoro pekufunga, rubatsiro rwepamutemo urwu rwunobviswa kuenda padanho rinotangwa rakatenderedza 110 euros pamwedzi. Panyaya iyi, imwe yemhinduro dzekuwana pamudyandigere zvine mutsindo ingangove yekukuwedzera kuburikidza nehurongwa hwepenjeni hwakadzikira. Kunyangwe, hongu, zvichave zvakafanira kuti zviitwe zviri pamutemo pamwe nekufanoona zviri mberi kuitira kuti huwandu hwacho hukoshe chaizvo.
Imwe nhanho yekugadzirisa kushomeka kwemari kunoenderana nekutora homwe yekudyara mune ayo akasiyana mamodheru. Asi hapana kana mamiriro ezvinhu anovimbisa kuita shoma purofiti, asi zvinopesana zvinogona kutogadzira isina kunaka zviyero sezvakaitika mugore ratichangovhara. Nekuderera kwakakosha mumabasa avo ekudyara. Uye iri padanho rino apo izvo zvinonzi zvirongwa zvepenjeni izvo zviripo mukupihwa kwemabhengi makuru emabhangi anoita basa rakakodzera kwazvo.