Ndeupi rubatsiro unobatsira

Iyo yekubatsira inobatsira yakafanana nekuunganidza kushaikwa kwemabasa

Zvinowanzoitika kuti nemitemo yakawandisa, nhamba uye zvinodiwa isu hatinyatso kujekeserwa nezve mamwe mazano kana mashandiro ezvimwe zviitiko. Izvi zvinogona kunge zviri izvo nerubatsiro rwekushaikwa kwemabasa. Ndeupi mubatsiro wekupa? Ndine kodzero nazvo here? Inoverengwa sei?

Chaizvoizvo, kana tichitaura nezvechipo chekushaikwa kwemabasa, tiri kutaura nezvekuunganidza kushaya mabasa. Muchikamu chino isu ticha tsanangura kuti chii chaizvo, kuna ani chakapihwa, kuti chinoverengerwa sei uye kuti misiyano ndeipi nerubatsiro rwekusashanda. Ndinokurudzira kuti urambe uchiverenga kuti udzidze zvimwe pamusoro penyaya iyi.

Ndeipi inobatsira yekushaiwa basa?

Iyo yekubatsira inobatsira inoenderana nemakore akapihwa kuSocial Security

Kana tichitaura nezvebatsiro rekupa, isu tinoreva iro bhenefiti iyo munhu anogamuchira mushure mekuve achipa semushandi kwenguva shoma yenguva kuSocial Security. PKuti ukwanise kuiwana, hukama hwebasa pakati pemunhu ari kutaurwa nekambani hunofanirwa kunge hwapera. Naizvozvo, kana isu tichida kuunganidza mari yekubatsira, inozivikanwawo sekushaya basa, tinofanirwa kuburitswa kubva kuSocial Security sevashandi vanoshanda.

Iko kunobatsira kushaya basa yakapihwa chete kune avo vanosangana nezvimwe zvinodiwa izvo zvatiri kuzonyora pazasi:

  • Kuzviwana iwe mumamiriro ekushaya basa Mutemo.
  • Ndatora mashoko nguva shoma muKuchengetedzwa Kwemagariro.
  • Wakafukidza nguva ye mwedzi ingangosvika makumi maviri nemana mumakore matanhatu pamberi pekushaya basa zviri pamutemo.
  • Asati asvika pazera rekurega basa.
  • Gumisa hukama hwemabasa nekumisa chibvumirano, ERE kana nekudzinga.
Iwe une mwedzi mina yekusashanda kwemubhadharo kwegore rega rakashanda
Nyaya inoenderana:
Zvese nezve kusashanda kwemabasa

Sezvatakambotaura mune imwe yemapoinzi apfuura, kuti tikwanise kubatsirwa nekushaya basa tinofanirwa kunge takabatsira kuSocial Security kwenguva shomashoma yegore rimwe, ndiko kuti, mazuva makumi matatu nematanhatu. Panguva ino tine mwedzi mina yekubatsirwa, Ndinoreva mazuva zana nemakumi maviri. Kubva panguva ino tinogashira kusashanda kwemimwe mwedzi miviri kwemwedzi mitanhatu yekuwedzera yemipiro, kudzamara tasvika pamuganhu wakatarwa wemwedzi makumi maviri nemana. Izvi zvinoenderana nenguva yakatorwa yemwedzi mitanhatu.

Ndeupi musiyano uripo pakati pekupa rubatsiro uye kubatsirwa kwekushaya basa?

Mari yekupa mari haina kufanana neyaunoshaya rubatsiro

Kazhinji, mazwi "anobatsira pakubatsira" uye "kubatsirwa kwebasa" akavhiringidzika. Zvino zvatave kuziva kuti bhenefiti yekupa chii, ticha tsanangura zvinorehwa nerovha uye nekudaro kupedzisa kuona mutsauko uripo pakati pezviviri.

kushaya basa
Nyaya inoenderana:
Kushaikwa kwebasa: chii icho uye maitiro ekuchikumbira

Icho chisingabatsiri rubatsiro uye nerubatsiro hunhu. Yakagadzirirwa avo vasina mari yakakwana. Aya ndiwo mamiriro anogona kusarudza yekushaya rubatsiro.

  • Vanhu avo usasvika pamutengo wakaderera kuwana rubatsiro rwekupa.
  • Vanhu vakatoshandisa zvizere bhenefiti yavo uye havasati vava kukwanisa kuwana basa.
  • Anopfuura makore gumi nemaviri vasina mabasa.
  • Vatorwa vanobva kuSpain, chero bedzi nyika dzekumusha kwavo dzisina zvibvumirano zviviri maererano nezve kusashanda.
  • Kusunungurwa vasungwa vakashanda mutongo weinenge mwedzi mitanhatu.
  • Vanhu vakaremara kusvika padanho rekuremara zvachose chikamu nekuda kwebasa rakajairwa, mushure mekuremara zvachose.

Zvichienderana nemamiriro ezvinhu, izvi zvinodiwa zvinofanirwa kusanganawo:

  • Nevanovimba, iyo shoma nguva yekupa ndeye mwedzi mitatu.
  • Pasina vanovimba, iyo shoma nguva yekupa ndeye mwedzi mitanhatu.
  • Mari inowanikwa haifanirwe kupfuura makumi manomwe neshanu muzana yemari iripadiki yemubhadharo.

Imarii inobhadharirwa rubatsiro?

Huwandu hwekushaikwa kwemabasa hunoverengerwa zvichibva pa80% yeIPREM (Akawanda Mhedzisiro Ruzhinji Mari Inowanikwa). Nekudaro, izvi zvinogona kuwedzerwa kana isu tine vanhu vanopfuura vatatu vanotitarisira uye vane makore anopfuura makumi mana nemashanu.

Asi kwenguva yakareba sei isu tinogona kuunganidza kusashanda kwemabasa? Nguva yacho zvinoenderana nenhamba yemwedzi yatataura. Muchiitiko chekuti tine vana vanovimba navo, iyo shoma yekupa nguva ndeye mwedzi mitatu. Kwemwedzi mitatu iyi tinotora mari yekushaikwa kwemabasa kwemwedzi mina kana mishanu. Kana isu tisina vana vanovimba navo, iyo yekupa yakaderera nguva ndeyemwedzi mitanhatu uye isu tinotora mari yemwedzi mitanhatu futi, kunyangwe kana isu takapa zvakawanda.

Yakawanda sei iyo bhenefiti yekubatsira inobhadharwa?

Huwandu hwerubatsiro rwekupa runotsamira padanho rekutonga

Kuti tizive kuti imarii inobhadhariswa kubva kubatsiro rekubatsira, isu tinofanirwa kutanga taziva hwaro hwekutonga. Ndiyo avhareji yeese mabhesheni emipiro ekushaikwa kwemazuva ekupedzisira zana nemakumi masere pamberi pemamiriro ekushaikwa kwemutemo zviri pamutemo, ndiko kuti, panguva iyo chisungo chekutora chakapera. Mazuva 180 apfuura aigara achiverengwa sekarenda uye achiteverwa nemumwe. Iko hakuna mukana wekuti ubatanidze mabhureki.

Kana uchiverenga hwaro hwepamutemo hwekushaiwa basa, avhareji yemubhadharo wevashandi kwemwedzi mitanhatu yekupedzisira inozotarisirwa. Nguva yekuwedzeredza haina kuiswa mune iyi kuverenga. Naizvozvo, iwo mubairo wakawanda, ndipo panokwidziridzwa hwaro hwemipiro. Izvi, zvakare, zvinowedzera mutemo wekumisikidza purofiti.

Verenga mutemo wepasi
Nyaya inoenderana:
Verenga mutemo wepasi

Kana tangomisa hwaro hwekutonga zvinoenderana nechero muhoro wepakati, inguva yekushandisa 70% mumazuva ekutanga zana nemakumi masere ebhenefiti yekubatsira kuti uone huwandu hwawakapihwa. Mushure menguva yekutanga iyi, huwandu hwebhenefiti hunodzikira. Kutanga pazuva 181, 50% inoiswa padanho rekutonga kuitira kuti uone huwandu hunogamuchirwa.

Uyewo, mhando mbiri dzekubvisa dzinoshanda kune iyo yakazara mari inoenderana nerubatsiro rwekupa:

  • Zvemagariro Chengetedzo mupiro: 4,7% yeiyo yekumisikidza base. Iyi ndiyo yepakati mupiro hwaro hwemwedzi mitanhatu yekupedzisira yezvakaitika.
  • Kubhadhara mutero wemunhu wega wega, chero bedzi zvakakodzera.

Mwana anovimba

Pfungwa ye "mwana anovimba" yakakosha kwazvo kana zvasvika pakutambira mabhenefiti ekushaya basa. Izvi zvinokonzerwa nekuti iyo miganho yehupfumi, zvese zvakanyanyisa uye zvishoma, zvine chekuita nezvakanakira vanovimba zvakanyanya pamabasa emhuri evanhu vari kutaurwa. Asi chii chinorehwa nemwana anotarisirwa? Izvi zvinotevera kuwira muchikamu ichi:

  • Vanakomana kana vanasikana vari pasi pemakore makumi maviri nematanhatu ekuberekwa.
  • Vanakomana kana vanasikana vanopfuura makore makumi maviri nematanhatu vane hurema hunodarika 26%.

Uye zvakare, zvakafanira kuratidza kwavo kwehupfumi kuvimba. Kuti vanakomana kana vanasikana vafungidzirwe semutariri, Ivo havafanirwe kunge vaine mari yakaenzana kana kana yakakura kupfuura 100% yeiyo yepasi mibairo yekudyidzana (SMI), Kunze kwekugara nemunhu anofarira kutora mari yekubatsira.

Pamwe pamwe nekugara pamwe chete, kubhadharwa kwepenjeni kunoenderana nekudya, kunyangwe kana vana vachigara nemumwe mubereki. Muzviitiko izvi pfungwa yemwana inowedzerwa kune yeavo vakaroorana zvakare. Pane dzimwe nhambo, nherera dzevabereki vaviri dzinogona kucherechedzwa sevana vanovimba chero bedzi ivo vachivimba nevabatsiri.

Iyo yakanyanya uye shoma muganho wemubatsiro

Kana tangoverengera huwandu hwunoenderana neicho chinobatsira kushomeka kwekushaiwa basa, inofanirwa kuve inoiswa kune yakanyanya uye shoma miganho inoenderana nemamiriro emhuri evanokumbira. Chinangwa chemakapi aya ndechekuti huwandu hweiyi bhenefiti hwakafanana kune ese ari maviri epakati uye epamusoro mihoro.

Kune vanhu vasina vana vanovimba navo, iwo muganho wepamusoro wekubatsira unoenderana ne175% pamwedzi yePublic Multiple Effects Income Indicator (IPREM) yakawedzera nechitanhatu, zvinova zvinosvika € 2020 muna 537,84. Nenzira iyi, mhedzisiro inoenderana ne € 1.098,09 muna 2020.

Panzvimbo iyoyo, vanyoreri vane vana vanovimba vane imwe yepamusoro cap. Izvi zvinoenderana ne200% pamwedzi wePublic Multiple Effects Income Indicator (IPREM) yakawedzera nechitanhatu kana ari mwana mumwe chete, inova yakaenzana ne € 1.254,96 muna 2020. Panyaya yekuita vana vaviri kana kupfuura, chivharo chinowedzerwa kusvika 225% pamwedzi yeRuzhinji Chiratidziro cheMazhinji Mhedzisiro Mhedzisiro (IPREM) yakawedzera nechitanhatu. Iyi yekupedzisira kesi yaizoenderana neyakaenzana ne € 1.411,83 muna 2020.

Nekudzivirira kuti vamwe vanhu vagamuchire zvakanakira mabhenefiti, kune mamwe mashoma maofia. Muzviitiko izvi, hushoma huwandu hwakatemerwa husingaenderane nemari yemupiro wemunyoreri. Nenzira iyi, vanobatsirwa vasina vana vanovimba vanowana kanokwana 80% pamwedzi wePublic Indicator yeMultiple Effects Income (IPREM) yakawedzera nechitanhatu. Muna 2020, mari yacho yaive € 501,98. Kana iye anenge achinyorera aine vana vanovimba, ivo vanogashira 107% pamwedzi wePublic Multiple Effects Income Indicator (IPREM) yakawedzera nechitanhatu, zvichikonzera € 671,40 muna 2020.

Mukupedzisa, tinogona kutaura kuti rubatsiro rwekusashanda kwemabasa inzira yakanaka kune avo vanhu, mushure mekupedza nguva yakareba vachipa kuSocial Security, vanongoerekana vawana vasina basa. Nekuda kwerubatsiro urwu, ivo vanozokwanisa kuzvitsigira ivo kwechinguva kusvikira vawana basa idzva. Ndinovimba ndakubatsira iwe kuti unzwisise zvirinani mashandiro aya, izvo zvinhu zvekufunga nezvazvo uye kuti ungaiverenga sei.

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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako