Kunyangwe iwe uchifunga kuti kuita iyo mudyandigere mudyandigere kukarukureta Chingave chinhu chiri nyore kwazvo kune vanhu vazhinji, muSpain, 72% yevanhu vanofanirwa kuunganidza mudyandigere wavo havazive kuverenga penjeni kuti vazive pavanenge vachiunganidza.
Kuchengetedzeka kwevanhu ndicho chimiro chekuyananisa pakati pemakambani nevanhu vari kushanda mavari. Kana iyo nguva yekupedza iyo inoshanda nguva yevashandi, ndeye kune imwe Yekuchengetedzwa kwenzvimbo hofisi ivo vanofanira kuenda mushure mekusvitsa makore makumi matanhatu nemashanu. Kuchengetedzwa kwemagariro kunofanirwa kupa vashandi mudyandigere pamudyandigere kwenguva yese yavave kushanda. Kuti uwane mukana wekurega basa, munhu ari kuikumbira anofanira kunge akashanda makore makumi matatu aine chibvumirano.
Ndedzipi mhando dzepenjeni dzaunogona kuwana
Kana munhu apedza hupenyu hwavo hwekushanda (izvo zvinowanzoitika mushure memakore makumi matanhatu nemashanu), munhu iyeye anenge ave kodzero yekunakidzwa nepenjeni yemudyandigere kweupenyu hwako hwese, iyo inogona kukamurwa kuva mhando mbiri dzemapenjeni.
PENSEI YEMAHARA
Iyo yepenjeni yemubhadharo inopihwa kune vashandi pakupera kwavo kwese nguva yekupa uye kwavanokodzera nemutemo. Iyi pension yemudyandigere inogona kukumbirwa chete nevanhu vane anopfuura makore gumi neshanu akabvumirwa uye angangoita maviri ekupedzisira emakore iwayo akabatsira mukuchengetedza vanhu. Izvo hazvidi kuti uve mune imwechete kambani kana kuve gumi nemashanu makore akateedzana.
PENSION YISINA TAX
Rudzi urwu rwepension isingabatsiri inogona kukumbirwa na vanhu vasina makore gumi nemashanu emipiro yemagariro.
Rudzi urwu rwepenjeni isingabatsiri Vanogona kukumbirwa kunyangwe vanga vasati vava nemakore gumi nemashanu. Iyi pensheni inogona kuwanikwa mumamiriro ekuremara anodarika makumi matatu% uye zvekare pamudyandigere; zvisinei, iwe unofanirwa kuenda kunharaunda yako yakazvimiririra, nekuti yega yega ine zvainoda.
Ndezvipi zvinodiwa iwe zvaunofanirwa kukumbira kuenda pamudyandigere kuSpain
Kana iwe uri kufunga nezvekukumbira mari yemudyandigere asi iwe usingazive kuti ndezvipi zvinodiwa zvinofanirwa kuzadzikiswa, tiri kuzokuudza pazasi.
- Kuti uwane mukana wekurega basa unofanira kunge uine makore makumi matanhatu nemashanu ekuberekwa
- Kuti akumbire rubatsiro urwu, munhu wacho haafanire kunyoreswa kana kuva nechibvumirano chebasa chichiri kushanda. Zvakare, haufanire kunge uine rumwe rubatsiro rwehurema nekuti zvinogona kunge zvisiri pamutemo kuukumbira, uye tiri kupara mhosva.
Advance mudyandigere
Iyo inotarisirwa pension inogona kurairwa makore makumi matanhatu asati apfuura uye ndezvevashandi vane chinzvimbo chakafanana mune chavanotova nacho Makore makumi matatu emipiro uye makore makumi matanhatu nerimwe ekuberekwa.
Kune mamwe mamiriro akasarudzika ekuti vamwe vanhu vanogona kuenda pamudyandigere pamakumi matanhatu nematanhatu uye vane mabhenefiti ehupfumi akafanana neapo makumi matanhatu nemashanu. Iyi sarudzo yaionekwa seyakafanira muna 64 uye yakatorwa seyakakosha nzira yehurumende kuburikidza nebasa rakakurudzirwa.
Kusarura zvishoma
Rudzi rwekurega basa rwunoitika mukati masara akasara. Inopa sarudzo yekuve nemari kubva kubasa uye kugona kukumbira iyo pamudyandigere mushure mekusvitsa makore makumi matanhatu.
Chimwe chezvinhu izvo rudzi urwu rwekurega basa rwunobatsira nderekuti iwe unogona kuramba uchichengeta iyi mhando yemudyandigere uye ushande panguva imwe chete kunyangwe iwe uine makore makumi matanhatu nemashanu ekuberekwa; zvisinei, kuitira kuti urambe uchichengeta urwu rudzi rwekubatsira mushure memakore makumi matanhatu nemashanu unofanirwa kuva nechibvumirano chekuyamura.
Mamiriro ezvinhu chaiwo
Nezve iwo akasarudzika mamiriro eiyo pension yekunyorera chikumbiro, chaiwo makesi anosiyaniswa, semuenzaniso, urwu rubatsiro runogona kuwanikwa pamberi pezera ne chaiwo mamiriro akadai sekuva nematambudziko nekutadza kushandaAsi hauzombokwanisa kuwana rubatsiro rwekurega basa usati wasvika makore makumi matanhatu nemashanu.
Maverengero anoita mudyandigere
Sezvatakambokuudza pakutanga kwenyaya iyi, vanopfuura makumi manomwe muzana yevanhu havazive kuti imarii kana penjeni yemudyandigere iyo yavakapihwa kana yave nguva yekurega basa uye ivo vasingazive Pane misiyano pakati peimwe chiyero neimwe zvichienderana nezera raunotora basa uye nerudzi rwekurega basa raunosarudza.
Izvo zvaunoda kuti uzive huwandu hwemari yauri kuzotora mukutora basa:
Chinhu chekutanga iwe chaunofanira kuziva kuti Verenga huwandu hwemari kuziva kuti chii chinonzi huwandu hwemazuva awakashanda kana wanga uchingoburitswa, nekuti chete mazuva awave uine contract mukambani anozoverenga kwete mazuva awakashanda usina izvozvo. Zvakare Iwe unofanirwa kuziva kuti ndezvipi zvezuva nezuva kana zvemwedzi mipiro yezvipo sezvakatarwa mune yega yega yenguva yekunyoresa yakapihwa.
Nzvimbo yekutonga
Iyo yekumisikidza base iri avhareji yeese mipiro mabhesheni akagadziridzwa mukati memakore gumi nemashanu apfuura. Mune iyi avhareji, izvo zvekuwedzera zvinobviswa uye chete iyo CPI ndiyo ino fungwa. Unofanira kuva nazvo 180 mabheseni emipiro, ayo ari iwo ane hukama nemakore gumi nemashanu apfuura.
Mushure meizvozvo, inofanirwa kugadzirisa kukosha kweimwe neimwe yezvigadziko, kuburikidza neCPI kuitira kuti vakosheswe panguva yazvino kuti iwe ugone kuziva kukosha chaiko. Ramba uchifunga kuti izvo chete izvo zvisingaite unofanirwa kukoshesesa ndiwo makumi maviri neshanu apfuura, sezvo idzo dzine mutengo wazvino wemusika.
Zvino, rinofanira kudaro wedzera mipiro yemumwe nemumwe uye ugovaparadzanisa ne 210, inova iyo inobhadharwa pamwedzi kwemakore gumi nemashanu.
Kuderedzwa uye muzana
Kana tangova nenhanho yekutanga kugadzirira uye isu tinoziva kuti chii chinodzora base; danho rinotevera ndere shandisa akasiyana kudzikisira ma coefficients.
Aya mapoinzi anoderedza mudyandigere
- Kana zvikaitwa makore gumi nemashanu mushure mekushanda, iyo muzana iri makumi mashanu muzana
- Kana ikaitwa kumakore ekushanda, iyo muzana ndeye 65%
- Kana ikaitwa pazera remakore makumi maviri nemashanu, iyo muzana iri makumi masere kubva muzana
- Kana ikaitwa pazera remakore makumi maviri nemashanu, iyo muzana iri makumi masere kubva muzana
- Kana ikaitwa mushure memakore makumi matatu nemashanu ekushanda, iyo muzana iri zana muzana.
Izvi zvinorevei?
Kugona kunzwisisa tafura zviri nyore kwazvo. Semuyenzaniso, Kana iwe uchida kukumbira pamudyandigere mushure memakore gumi nemashanu emipiro uye yako yekumisikidza base i15 euros, iyo mari inoenderana newe i1.000 euros. Iyo yakawanda makore iwe waakashanda, iyo yakawandisa iyo mari yaunowana.
Vanhu vanoramba vachishanda mushure memakore makumi matanhatu nemashanu vanowedzera pension yavo ne65% pagore rega rega rekuwedzera vasina kunyorera rubatsiro rwemudyandigere uye kana vakapihwa basa. Zvakakosha kuti munhu wacho atorerwe.
Vanhu vanoratidza kuti vakave nezvakawanda kudarika Makore makumi mana emipiro kana uchikumbira mari yemudyandigere inosvika pa40% zvimwe.
Simulators kuverenga iyo pension
Chekupedzisira, isu tinofanirwa kukuudza iwe nezvei simulators kuti tikwanise kuverenga mudyandigere watinawo.
Kuti tigone kuverenga huwandu hwemari yatinayo nepenjeni yega yega kuburikidza neiyo simulator, chinhu chekutanga chatinofanira kuyeuka ndechekuti haufanire kushandisa chero internet chishandiso, sezvo isu tisingazive kuna watinopa data redu pachedu.
Iwe unofanirwa kuziva kuti iyo Pekuchengetedza peji rezvemagariro ine simulator inoshanda yekuverenga huwandu hwemari inoenderana nesu patinosiya basa. Icho chishandiso chakachengeteka chaizvo uye chinogona kushandiswa chero nguva yegore.
Kuti ukwanise kuzviita kuburikidza neiyo simulator, iwe unofanirwa kuve neiyo kushanda hupenyu mushumo uye mupiro wedhata data kubva kumakore apfuura.
Muchidimbu
Sezvauri kuona mune ino posvo, kuita kuverenga neruoko kunogona kuve kwakaomarara Uye zvinogona zvakare kutora mazuva akati wandei sezvo paine mapepa mazhinji uye mari zhinji inofanirwa kutariswa; chii chinogona kukonzera kuti pane imwe nguva iwe unogona kupotsa nhamba uye kuve nemaakaundi ese zvisirizvo. Kana iwe uchida kuzviita nemaoko, iwe unofanirwa kunyatsoteerera.
Chimwe chinhu chekuchengetedza mupfungwa ndechekuti makore akawanda awakashanda, inokwidza mari yaunofanira kutora kana uchinge warega basa. Zviripachena, uye kunze kwekunetsekana nebasa uye kuoma kwekuwana basa, zvinokurudzirwa kushanda makore mazhinji sezvinobvira kuti ukwanise kuwana huwandu hwakawanda hwemari.
Chekupedzisira, iwe unofanirwa kuziva kuti iyo sisitimu inogona kushandura yekupedzisira huwandu hwemari zvishoma, saka zviri nyore kuti iwe uve nezvose magwaro aripo kuti ugone kubvunza kana zvichikosha nekuti mari yacho haienderane.