Iyo IPREM ndiyo Ruzhinji rweMazhinji Mhedzisiro Mhedzisiro Chiratidziro uye iri chaizvo bhenji rekuyera par kugona muSpain kwekugoverwa kwe rubatsiro uye rubatsiro zvichibva pamari. Naizvozvo, iparamende yemagariro nehupfumi yaunofanirwa kuenda kana uchizodaidzira imwe yemari yatotaurwa. Kusvika pakuti icharatidza kuti ndeipi mari yauri kuzogamuchira kuburikidza neaya magariro mabhenefiti.
Kubva pane ino maonero, iyo IPREM inogona kuve rubatsiro rune simba kuitira kuti iwe ugone kutsanangura kuti ndeapi mabhenefiti ezvemagariro iwe aunogona kuwana kubva ikozvino zvichienda mberi. Ichi chiratidzo chakagadzirirwa mukutanga 2000s nechinangwa chikuru chekutsiva iyo Minimum Interprofessional Mubhadharo (SMI) seinongedzo sosi yekuyera idzi tsigiro. Hazvishamise kuti iri paramende iro rakanyanya kuita kuita kuverenga kwaro. Kusvika padanho rekuti ndiyo inoshandiswa neese matunhu emunyika, matunhu eruzhinji kana anoenderana enharaunda dzinozvitonga
Mhedzisiro yekutanga mukuitwa kwayo ndeyekuti Ruzhinji rweMazhinji Mhedzisiro Inotaridza Chiratidziro chave kukura nenzira ine mwero kupfuura Minimum Interprofessional Muhoro. Saka kuti nenzira iyi, batsira kune iyo vanhu vazhinji vanotambura yenzanga. Nekuti haugone kukanganwa kuti iyo yekupedzisira yakadzoserwa kubato revashandi, semuenzaniso kuverenga iyo kushaya mabasa inobhadharwa nevashandi vasina basa.
IPREM: ungazviziva sei?
Kana iwe uchizoda rubatsiro kana rubatsiro kubva kumahofisi epamutemo, hauzove nedambudziko diki rekuziva huwandu hwePublic Multiple Effects Income Indicator. Nechikonzero chiri nyore kwazvo chekutsanangura uye icho ndechekuti inoonekwa gore rega rega mu Budget Mutemo. Sekureva kwekutarisa kana mari yedu yatakanyatsodarika imwe nhamba yenguva dzazvino IPREM. Kwete pasina, iwe uchafanirwa kutarisa pachiratidzo ichi kuti utarise rubatsiro rwemagariro iwe urwo rwauchazowana kubva kumahofisi ehurumende.
Kune rimwe divi, iyo IPREM inowanzove ne kuongorora zvakare gore rega, pamwe neiyo Minimum Interprofessional Muhoro uye zvimwe zviyero zveaya maitiro. Asi sekufunga kwako idiki kwazvo muzana uye kashoma kudarika 1%. Izvo zvavari kuedza kuita kutora, kufanana neSMI, kuwedzera kwehupenyu. Kunyangwe muzviitiko zvakawanda iyo isingaratidzi maitiro aya, asi kuwedzera kusakwana kwevanhu vanozoda rubatsiro urwu mumwedzi inotevera.
Kuverenga kweIPREM
Iyi Ruzhinji Ruzhinji Mhedzisiro Mhedzisiro Chiratidziro chakakosha kwazvo kune zvimwe zviito nevagari veSpain. Iwe unoda kuziva here kuti ndeapi aunofanira kufunga nezvazvo? Zvakanaka, nyatsoteerera kuitira kuti kubva zvino zvichienda mberi iwe uchazoda kutora iyi liquidity tip nekuda kwezvikonzero zvakasiyana.
Chero zvazviri, icho chiridzwa kuitira kuti iwe ugone kuverenga ese marudzi erubatsiro, kudzidza kana rubatsiro zvinoenderana nemubhadharo uye wega mamiriro aunazvo nguva dzese. Nekuti zvinogona kunge zviri izvo, kuti nekuda kwematanho ari muhomwe yako wega, iwe hauna chero rudzi rwekodzero dzekugamuchira izvi zvemagariro mabhenefiti. Chero zvazvingaitika, hukama hwavo huchave hwakabatana zvakanyanya nezvinhu zvinotevera zvatichazokutsanangurira pazasi.
- Hukama hwakananga pakati pePublic Multiple Effects Income Indicator uye kushaya basa. Ndokunge, panguva iyo iwe uine mvumo yekugamuchira aya mabhenefiti ebasa.
- Iko kubatsira kukuru kuziva izvo zvichave izvo mubhadharo kana kudzingwa basa. Maitiro anoitwa nevazhinji vevashandi munyika medu uye ayo anopa kusahadzika kwakakomba kuiverenga nenzira kwayo.
- Kuenda kwako kunoda sevhisi rusununguko rusununguko (Magweta ari pabasa) zvichave zvakare zvakafanira kuti iwe utore hanya icho chiri Ruzhinji Chiratidziro cheMazhinji Mhedzisiro Mhedzisiro Mari yaunayo. Nekuti havazi vese vanhu vanozove nerubatsiro rwemutemo, kana zvisiri, pane zvinopesana, vanhu vanotambura kwazvo munharaunda uye nemari shoma gore rega.
- Nezvikonzero zvakafanana, iyo inofanirwa kuiswa kune dzimba dzekugara. Sezvazviri mune chaiyo kesi dzeVPPL uye VPPB dzimba. Zvakare nekuziva nenzira kwayo kana iwe uine kodzero yerubatsiro rwekuhaya iyo inofungidzirwa mune idzva dzimba zvirongwa. Zvakare uye mune zvimwe zvisinganyanyo kukosha zvinhu zvinokanganisa vashandisi.
Evhangeri yeIPREM
Chero zvazvingaitika, iyo yakakosha nguva inouya uye ndeye kuziva kuti ndeipi chaiyo huwandu. Zvakanaka, kubva pachokwadi ichi zvinofanirwa kucherechedzwa kuti rumwe rubatsiro rwunorambidzwa, semuenzaniso, kusvika ku4,5 nguva kukosha kweiyo iriko Ruzhinji rweMazhinji Mhedzisiro Mhedzisiro Inoratidza. Iyo yazvino IPREM muna 2018 ndeye 536 euros, kunyangwe iwe uchifunga nezve gore rese uye nekubhadharwa gumi nembiri, mari yacho inosvika kusvika ku6.545 euros. Uye zvishoma zvishoma, 7.519 euros kana ikashandiswa pamwe negumi nemana kubhadhara. Aya ndiwo manhamba akagadziridzwa kusvika pazuva rekupa uye anoratidza kuwedzera kunofambira mberi mugore rega rega. Kubva kuma14 euros ayo maive muna460, iyo nguva iyo iyo Ruzhinji Chiratidziro cheMazhinji Mhedzisiro Mhedzisiro.
Kune rimwe divi, zvinofanirwa kucherechedzwa kuti kwechinguvana, iyo IPREM ichasara chando muna 2018 kumirira kuratidzwa kwePGE (General State Budget). Mupfungwa iyi, zvinofanirwa kuyeukwa kuti gore rapfuura pakanga pasina kusvika muna Chikumi pakavandudzwa Chiratidzo chePublic Multiple Effects Income. Chero zvazvingaitika, chokwadi chekuti kuwedzera kwechiratidzo ichi mumakore gumi apfuura chave pazasi chakaratidzirwa neMinimum Interprofessional Mhoro chinotonyanya kushamisa. Uchapupu hwezvinoreva zvese zviratidzo, kuti hazviwanzo zadzisa zvakafanana mabasa.
Kukoshesa kwekuitwa kwayo
Chimwe chinhu chakanyanya kukosha pachikamu chePublic Multiple Effects Income Indicator ndechekuti hapana chikonzero chekutaurirana mubairo. Kwete kunyangwe zvibvumirano zvekubatana. Izvo hazvina chekuita neizvi zvinhu zvevashandi sezvaungafanoona mushure mekujekeswa kwakaitwa kare. Izvo zvinofanirwa kuve zvakajeka kwauri kuti iko kunongedzera kwakanangana neIPREM kune ese marudzi ese erubatsiro rwemagariro nerubatsiro. Zvakasarudzika uye zvega uye kuti chichava chekushandisa zvakanyanya kwauri kunzwisisika kwayo uye usina kusahadzika kwakanyanya mukushandisa kwayo kunotevera.
Mukushandisa kwepenjeni pachave nekuve nematanho akakosha pakati pezviratidzo zviviri. Ndokunge, pakati peIPREM pachayo neMinimum Interprofessional Mari. Nekuti chekutanga chavo chichava chirevo chekuverenga mapensheni akaverengerwa se zvisingaiti uye izvo panguva yacho zvinosvika pakufunga kusvika pamazana mana emaeuro pamwedzi. Huye, kuverenga uku kuchafanirwa kutariswa kuitira kuti isvike pamari yayo yekupedzisira uye ndiyo ichave iyo inobhadharwa nevagari vasina makore emipiro anodiwa kubhadhara yavo yemapenjeni.
Kugadzirisa kudzidza, mari, nezvimwe.
Ehezve, zvimwe zvinhu zvekuratidzira zvinogara mukuti panguva ino, uye kubvira iyo Ruzhinji rweMazhinji Mhedzisiro Inotaridza Chiratidzo, yakatevera nzira yayo kubva pane yakatarwa neSMI, kunyangwe hazvo mari yacho iri padhuze nepadhuze. . Kwete pasina, usakanganwa kuti havana chekuita nekuti, parizvino, zvinoreva zvinhu zvakasiyana zvachose. Kunyangwe iine chikamu chakanaka chevashandisi vanovanyonganisa kubva pakutanga. Kunyangwe zvisiri kudaro pasi pechinhu chipi zvacho kana nenzira imwechete.
Kune rimwe divi, zvakafanira zvakare kuratidza kuti iyo IPREM inonyanya kukosha kana zvasvika pakubata kudzidza uye mari. Kunyangwe mune zvine chekuita nemanagement e mhuri hombe (nevana vana kana kupfuura mukati memhuri imwechete) kana kunyangwe kuwana rubatsiro rwemahara rwepamutemo. Naizvozvo, zvinobatsira kwazvo kuti iwe uve nehanya nekujekesa kwayo sezvo pane imwe nguva kana imwe iwe unogona kushandisa iyi yakapfava kuverenga pamusoro pemari iyo yauchazogamuchira kune zvimwe zvehupenyu hwezuva nezuva.
Zvinhu zviri pasi peIPREM
Chero zvazvingaitika, pane zvimwe zvinhu panodiwa chiratidzo ichi chakakosha kuti utarise kana iwe uine mukana wekubatsira kana rubatsiro. Pakati peavo vanoratidzira zvinotevera izvo zvatinokufumura pazasi:
- Grants yemhando ipi neipi, zvese zvemhuri uye zvevanhu vamwe nevamwe.
- Kudzidzisa kudzidza yevanomhan'ara mukirasi iyi yemubatsiro, iyo inosanganisira mamwe maitiro ane chekuita nedzidzo neyunivhesiti.
- Uye pakupedzisira, iyo inonzi kushaya basa iyo vashandi vazhinji vanoshandisa kudzidzisa uye kugona kuwana kumusika wevashandi nezvivimbiso zvizere zvekujoinha mumwedzi inotevera