Mumakore ese ebasa, unogona kusangana nemamiriro ezvinhu anoita kuti utadze kuita basa racho. Panguva idzodzo unogona kufunga nezve kukumbira hurema zvachose.
Asi, Chii chinonzi kuremara zvachose? Ndiani angave mubatsiri wepenjeni iyi? Inogona kuitwa inoenderana nevamwe? Kwese kusahadzika uku ndiko kwatichagadzirisa kwauri pazasi.
Chii chinonzi zvachose hurema
Zvinoenderana neSocial Security, kuremara zvachose zvachose kunofungidzirwa se "Izvo zvinoremadza mushandi kuti aite zvese kana zvakakosha mabasa ebasa rake rakajairwa, chero iye achigona kuzvipira kune rakasiyana."
Mune mamwe mazwi, tiri kutaura nezvazvo munhu asingakwanise kuita basa ravanga vachiita asi hazviite kuti asakwanise kuita chimwe chinhu. Ndokunge, hakugone kuve nerimwe basa, asi rinogona kufunga rakasiyana.
Musiyano uripo pakati pehurema hwese, hwenzvimbo uye hwakazara
Muchirongwa chedu, pane mhando dzakasiyana dzekuremara. Zvatinotarisa nhasi kuremara zvachose zvachose, asi zvinofanirwa kusiyaniswa pakati peyakaenzana uye yakakwana.
Kuremara zvachose
Iyo ndiyo inoremadza munhu kuti aite mabasa ebasa ravo, kudzikisira mashandiro avo ne33% kana kupfuura. Mune ino kesi, munhu anogona kuenderera achishanda mune iro basa, asi zvinofanirwa kutariswa kuti kuremara kwake kunoreva kuti haakwanise kuita pa100% asi kugona kwekudaro kwadzikira.
Kuremara zvachose
Ndiyo iya ine mushandi Iwe haugone kuita basa rawave uchiita kubasa kwako. Ndokunge, haugone kuita mabasa aunofanirwa kuita pachinzvimbo. Nekudaro, ini ndaigona kuramba ndichishanda mune imwe mhando yebasa.
Muenzaniso ungave uya wemurairidzi wechikoro chekireshi. Zvinokwanisika kuti urwere hwako hunokutadzisa kushanda nevana (nekuti une matambudziko emaoko, kushomeka kwekubatana, nezvimwewo) asi hazvingatadzise iwe kuita rimwe basa rakadai sekuvandudza zvirongwa zvekudzidzisa zvevana.
Kuremara zvachose
Iyi mamiriro ndizvo zvinoreva izvozvo mushandi haakwanise kuita chero rudzi rwekutengesa kana basa. Ndokunge, haakwanise kushanda nekuti kurwara kana chirwere chinomutadzisa kuzviita.
Muzviitiko izvi, mudyandigere waanogashira i100% yenzvimbo yekutonga nekuti haakwanise kushanda nekudaro haakwanise kuwana mari yekurarama. Pamusoro pezvo, kana hurema uhu hukonzerwa nenjodzi yebasa iyo kambani iri kukanganisa kwayo, pachave nekuwedzera kuri pakati pe30 ne50% yemari yacho nekambani nekuda kwekuregeredza kwayo.
Ndiani anokwanisa kunyorera IPT
Kunyangwe chero munhu achigona kukumbira hurema zvachose, chokwadi ndechekuti ivo vanobatsirikana pane izvi vanofanirwa kuita zvakateedzana zvezvinodiwa kuti zviongororwe, kazhinji nedare rekurapa. Izvi zvinodiwa zvinotevera:
- Kwete kuva zera rekurega basa. Mune mamwe mazwi, tiri kutaura nezvekuti munhu haana kunge asangana nezvinodiwa kuti ave nekodzero yekupihwa mudyandigere.
- Kuva mumamiriro ekubuda, kana kufananidzwa kuburitsa. Ndokunge, kukumbira kuremara zvachose unofanirwa kunge uchishanda uchishanda, ungave uri kuzvishandira kana kushanda.
- Iva nepamberi pekunyora nguva. Mune ino kesi, zvinoenderana nezera remunhu. Semuenzaniso, kana iwe uri pasi pemakore makumi matatu nemasere ekuberekwa, mupiro unofanirwa kuve chikamu chimwe muzvitatu chenguva yadarika kubvira zera regumi neshanu uye izvo zvinokonzera chikumbiro chekuremara zvachose. Kana iwe uri pamusoro pemakore makumi matatu nerimwe ekuberekwa, ipapo hushoma hwemakore mashanu hunodiwa.
Unobhadhara zvakadii nazvo
Hurema hwese hwekusingaperi hauna, sekune mamwe mabhenefiti, huwandu hwakatarwa. Izvi zvinoenderana nedanho rekumisikidza raive naro, uye chikonzero chinokonzeresa kuremara.
Semuenzaniso, kana tiri kutaura pamusoro pehurema nekuda kwechirwere chakajairika, mari yakawanikwa ichave, zvirinani, iyo mari yakatarwa gore rega rega muGeneral State Budget Mutemo wepenji yekuremara zvachose yehosha yakajairika, vanogara vari pasi Makore makumi manomwe ekuberekwa uye hapana mukadzi waanovimba naye.
Semutemo, huwandu hwakaenzana ne55% yeRegulatory Base inogamuchirwa. Nekudaro, inogona kuwedzerwa kusvika pa75% kana munhu wacho apfuura makore makumi mashanu nemashanu nekuti zera rake, pamwe nedzidzo yaainayo, inogona kunge isingakwanise kuwana basa idzva.
Inowedzerwawo pakati pe30 ne50% muchiitiko chekuti hurema hwese hwechigarire hunokonzerwa nenjodzi kubasa kana chirwere chebasa. Zvichienderana nezvakonzeresa kukuvadzwa, chiwedzero chinogona kupera mukuwedzera kuchazotakurwa newaunoshandira iye, chero apara mutemo.
Kusapindirana
Kuremara zvachose zvachose kunoenderana nekuita kwebasa, kungave mukambani imwechete kana mune imwe. Nekudaro, iro basa harigone kuve rakafanana basa iro rakakupa hurema. Sezvinei, haugone kushandira muchinhu chimwe chete pane izvo zvawakaremerwa, asi iwe unogona kuita rimwe basa uye akasiyana mabasa.
Zvisinei, kuwedzera kweiyo 20% iyo inowanikwa haigone kuenderana kana mabasa akaitwa, angave anozvishandira kana anoshanda, pamwe nezvibereko zvinobva mumabasa iwayo, semuenzaniso, kuremara kwenguva pfupi kana kubereka.
Maitiro ekunyorera kwehurema zvachose
Kana mushure mekuverenga zvese zvaunofunga kuti unogona kukumbira rubatsiro urwu, chinhu chekutanga chaunoda kuziva kuti ndeapi magwaro auchazopa. Kutanga, iwe uchafanirwa kuve neyako DNI kana NIE kana iwe uri mutorwa achigara (kana kwete) kuSpain. Uye zvakare, kana urema hwakazara zvachose huchiitika nekuda kwechirwere chakajairika, unofanirwa kusanganisa kubhadhara kwemipiro yemwedzi mitatu yadarika; Kana iri nekuda kwetsaona yebasa, kana nekuda kwehunyanzvi hwekurwara, iwe unofanirwa kunamatira chikamu chehutongi cheiyo tsaona kana chirwere, pamwe nesitifiketi rebhizinesi remubhadharo chaiwo wegore rapfuura.
Uye zvakare, zvinokurudzirwa kupa zvinyorwa zvekurapa zvine chekuita nechirwere chinokuremadza.
Paunenge uchinge uine zvese izvo zvinyorwa, unogona kuenda kune chero cheSocial Security sevhisi uye nzvimbo yeruzivo yekugadzirisa kunyorera. Izvi zvinofanirwa kunge zviri pamwe nemhando yepamutemo yekuremara zvachose. Iyo inogona zvakare kuendeswa online, mune iyo Citizens chikamu cheSocial Security peji, sekureba sekunge iwe uine dhijitari chitupa.