Hapana mubvunzo kuti kumwe kutya kukuru kwevanhu veSpain uye nepasirese pasirese inyaya ine chekuita nekugadzikana kwevanhu mune zvemari, asi pamusoro pechikamu chose chine chekuita chengetedza kukwegura kwakanaka mune ramangwana, kana zvisingachakwanisike kushanda kuti uchengetedze chouviri, kana kunyangwe vazhinji vachiri muchimiro chakanaka uye vakafirwa zvakanyanya, ivo havasisina basa nekuda kwerusarura rusina tsarukano runowanzoenderana kugadzirwa kwevechidiki uye nesimba remuviri, tichiregeredza mukuzvidza uku, ruzivo rwakadii uye ruzivo rwakaunganidzwa rwuchiri kugona kupa.
Nenzira iyi, vanhu vazhinji vari pedyo nekurega basa vanorarama mukutya nguva dzose kwekurasikirwa nemabasa, nekuti kana chiitiko ichi chikaitika, kutsvaga basa nyowani ingave odyssey mu yazvino hupfumi hurongwa.
Ndokusaka, zvichipiwa kusingadzivisike pamudyandigere, vanhu vazhinji vanotanga kufunga nezveramangwana ravo nenzira yekutya uye inoshungurudza, vachitotadza kurara husiku hwese hwekurara, vachifunga masikati nehusiku izvo ramangwana rakavamirira, uye mukati meiyi simba, avo vane nguva yakaipisisa ndevaya vasingaverenge tarisiro yekurega basa, ndiko kuti, vanhu vasingatore mari yakakwana yekugadzirisa, pavanorega basa, a mudyandigere unokudzwa uye unokudzwa izvo zvinovatendera kuti vazviriritire kana vasingachawane mari yehupenyu hunoshanda.
Tatarisana nedambudziko iri, inhau dzakanaka dzekuzivisa vaverengi veichi chinyorwa, sarudzo yavanayo kana vasina iyo zvinodiwa kuti ushandise mudyandigere wako. Zvichida vazhinji vanozviziva kare nezvazvo, asi kune vamwewo vanhu vasina chavanoziva nezvazvo, uye nekudaro, ruzivo urwu rwunozovatorera mutoro mukuru pakuronga rutsigiro rwemari yekuchembera. Isu tinoreva iyo Yisiri-Inopa Pension, Maitiro aripo nechinangwa chekuchengetedza penjeni kune vashandi vanotadza kuzadzisa zvinodiwa kuti vanyorere mudyandigere.
Chii chinonzi Iyo Isingabatsire Pension?
Kuti unzwisise zviri nyore chikonzero chekuve Pension Isingabatsiri, isu tinongofanirwa kurangarira, kutanga, chii a pamudyandigere mudyandigere padanho rekupa. Tinogona kutaura kuti iyo Yepension Pension ndiyo yakajairwa mudyandigere iyo vese vashandi vanosangana nematanho emamiriro vanokwanisa kuwana, izvo zvinofanirwa kuve zvipo zvavo zvakasiyana kwenguva yakashanda.
Semuenzaniso, kuti mushandi agone kusarudza Pension Pension, vanofanirwa kunge vaine, angangoita, makore gumi nemashanu emipiro, uye pamakore gumi nemashanu aya, angangoita maviri anofanira kunge apfuura mukati memakore gumi nemashanu apfuura, nekuti kana vari kune imwe nguva yapfuura panguva ino, chinodikanwa chakadai hachizadzikiswe.
Nokuda kwayo iyo Isingabatsiri Pension Pension (PNC), Sezvo zita rayo raigona kuratidza, irubatsiro rwehupfumi rwunogona kupihwa kune avo vese vanhu vari mune zvemari vasina hupfumi, vane kusimba kwakasimba, uye vasina pension yakajairwa nekuda kwekusapedza makotesheni izvo zvinokumbirwa sechidiki chinodiwa kuti uwane a Inopa Pension Pension.
Nenzira iyi, tinogona kududzira iyo Isiri-Inopa Pension semhando ye "chirongwa B" kune vanhu vasingakwanise kukumbira yavo inopa pension nekuda kwemubvunzo wemipiroNaizvozvo, iwo mukana wakazonaka wekusasiiwa usina chengetedzo mukati menguva inotyisa yekukwegura, kunyanya zvine chekuita nehutano, izvo zviri chaizvo mukati memakore edu ekupedzisira ehupenyu isu tinozovashandisa zvakanyanya.
Ndezvipi zvinodiwa iwe zvaunondibvunza kuti ndinyore kune Asiri-Anopa Mupiro weRendi Pension?
Kune avo vese vanhu avo vari kuda kunyorera rudzi urwu rwekurega basa, Zvakakosha kuti vazive izvo zvavanotarisirwa kutevedzera kuitira kuti vagone kuzvigadzirisa pasina matambudziko.
Mukati memirau iripo mumutemo weSpanish, mamiriro ezvinhu anotevera chete ndiwo anodikanwa:
- Kusina kodzero yekukumbira iyo Pension Rireti pension, nekusasangana nezvinodiwa zvemipiro. Aya mamiriro ari akapusa, nekuti chero munhu anosangana nemipiro yavo yakamisikidzwa nemutemo, haadi kukumbira Retirement PNC, nekuti ivo vanokwanisa kuwana hunhu huri nani uye hazvinganzwisisike kutsvaga sarudzo yakagadzirirwa vanhu vasingakwanise kuchengetedza yavo kuchengetedzwa kwemari mune ramangwana.
- Iva nemakore makumi matanhatu nemashanu ekuberekwa kana kupfuura.
- Kusava neimwe mari kana imwe mari yekuwedzera iyo inogona kuita sarudzo yekunyorera Pension-Isingaiti Pension haina basa. Mutemo weSpain unosimbisa kuti iye anonyorera akashaya mari kana mari yake iri pasi pe5178.60 euros pagore, chitsama chinozivikanwa che2018. Pamusoro peizvi, mune zvinoitika apo anenge achinyorera achigara nedzimwe hama, chete Izvo zvinosangana nezvinodiwa kana huwandu yemubhadharo wenhengo dzese dzemhuri ishoma pane iyo mari yakatarwa neInstitute for the Vakwegura neSocial Services (IMSERSO).
- Pamutemo gara kuSpain: kuti uite zvinodiwa izvi, zvakafanira kuti mushandi akagara muSpain kweanenge makore gumi, ayo maviri angangove asina kuvhiringidzwa uye risati rasvika zuva rekukumbira.
Marii yakadii iyo yeiyo Isiri-Mipiro Yekurega Pension?
PNC inopa huwandu hwakazara hwee369,90 euros pamwedzi, chiyero chakamisirwa munhu asingashande anogarawo ega, zvisinei nhamba iyi inogona kusiyana zvichienderana nenhamba yevanhu vanogara mumba, pamwe nekuti izvi zvinoshanda here kana kuti kwete. Tinogona kutaura kuti iyo 369 euros chiyero chakajairika chevanhu vanogara vega uye vasina basa, asi kana mamiriro aya asina kusangana, mudyandigere ungasiyana zvichienderana nehunhu hwemunhu anenge achinyorera.
Pension inogona kupihwa kwenguva yakareba sei?
Kazhinji, mudyandigere ndewoupenyu hwese, zvinoreva kuti iye anenge achikumbira anogona kuramba achiwana mubairo uyu kusvikira zuva rinoitika rufu rwake, zvisinei, mamiriro aya anongochengetwa chero bedzi mushandi achiramba achichengeta zvinodiwa kuti arambe achiunganidza.
Ndekupi kwandinogona kunyorera yepension isingabatsiri uye ndeapi magwaro andinofanira kupa?
Kune avo vese vanoshuvira kuita izvi pension modalityVanogona kuikumbira nekuenda kumasangano akasiyana ehurumende. Nenzira iyi, ivo vanogona kuikumbira, kungave kumaHofisi eSocial Services eMauto Ekuzvimiririra, zvakare Mahofisi eSangano reVakuru neSocial Services (IMSERSO), kana kune chero hofisi yeSocial Security. Muchiitiko cheAutonomous Communities yeCeuta neMelilla, iko kunyorera kunofanirwa kuendeswa zvakananga kuIMSERSO.
Zvinyorwa zvinofanirwa kuunzwa zvinotevera: Fomu rekunyorera zviri pamutemo, iyo DNI, uye Chitupa chekunyoresa.
Ndezvipi zvisungo zvinotorwa nemudyandigere kubva kune isingabatsiri pension?
Kuti varambe vachichengeta mudyandigere pasina dambudziko, varapi vemudyandigere vanofanirwa zvakare kuzadzisa zvakateedzana zvezvisungo, zvakaita se:
Chisungo chekutaurirana kuManaging Entity nezve chero shanduko ingangokanganisa kuzivikanwa kwepenjeni, pamwe nesitatimendi yemari inofanirwa kuendeswa mukota yekutanga yegore rega, izvi kuitira kuratidza kuti iri kuenderera kuzadzisa zvinodiwa yekushaikwa kwemari, chinhu chakakosha kuti urambe uri mukweretesi we Pension Isingabatsiri.
Pane here imwe mhando yepenjeni mukuwedzera kune inowanisa uye isingaite?
Chaizvoizvo, pane chete mupensheni anobatsira uye asingabatsiri, asi izvi, zvakare, zvinogona kuverengerwa mune dzimwe nzira.
Panyaya yePNC, isu tine iyo yekurega basa, inova ndiyo yatange tichiongorora muchinyorwa chino, asi isu zvakare tine izvo zvinozivikanwa se iyo Isingabatsiri Kuremara Pension, iyo inopihwa kune avo vanhu vari mumamiriro ekushomeka kwezviwanikwa, uye zvakare vanofanirwa kurarama nedhigirii rehurema hwakaenzana kana kupfuura 65%.
Tinogona kutaura kuti mhando iyi yemudyandigere inoitirwa kuchengetedza zvikamu zvevanhu izvo nekuda kwezvikonzero zvekuremara mumuviri, zvisingakwanise kuita mazhinji emabasa anopiwa mukupa basa, ndosaka kuri kuita kwakanaka kwazvo kwekuchengetedzwa kwevanhu.
Mhedziso
Mushure mekuverenga chinyorwa ichi, unogona kunge wakaziva kuti kunyangwe iwe usingakwanise kuunganidza mipiro inodiwa kuti uwane pension, zvese hazvirasike, nekuti zvinogara zvichikwanisika kutsvaga dzimwe nzira nezviitiko. Iye zvino unoziva chii a Yisiri-Inopa Pension uye mabhenefiti aunogona kuwana nekuda kwerudzi urwu rwekuchengetedzwa kwevanhu, saka ramangwana rako remari harisisina kujeka sezvingave kufungidzira pasina chero rudzi rwekudzivirira kwemari.