Kumwe kwekukanganisa uko vamwe vashandisi vava kuda kuenda pamudyandigere vanogona kuti mune zvakanyanyisa kuitika, vanozotora mari yepenheni shoma, chero vakapa kwemakore gumi nemashanu. Asi izvi hazvisi nenzira iyi, kuti nenguva ino yemupiro uye nepashoma mupiro wepasi, mudyandigere unogamuchirwa kubva pakati pe350 ne450 euros pamwedzi anenge. Ichi chinhu chinogona kutsausa chikamu chakanaka chevachaenda pamudyandigere vasingazive kuti huwandu hwuchange hwakaita sei padanho rakakosha rehupenyu hwavo.
Zvakanaka, mune ino chaiyo kesi ivo havazove nematambudziko kuunganidza iwo mudiki mupiro wepension unofungidzirwa kune imwe neimwe kesi. Inokura kuburikidza ne kuvanza Zvinogona kuve zvakaoma kuverenga, asi zvinokujekesa nezve mamiriro epenjeni yako. Iyi ndiyo inonzi mari yekuwedzera inobhadharwa uye ichava mari inozowedzerwa mupenjeni yako kusvika pasvika padiki. Neiyi nzira, zvichave zvinoenderana nemubhadharo kune vasara vepension.
Chero zvazvingaitika, hapazove nesarudzo kunze kwekusangana nemhando yezvinodiwa kuti ubatsirwe neizvi mukana. Sezvo kana zvisiri, iwe hauzove nekodzero kune iyo shoma inopa pension. Semhedzisiro yemamiriro ezvinhu aya, iwe unosara uine pension yemwedzi wega ye350, 400 kana 450 euros. Aya ndiwo mamiriro akajairika kune vanhu vakapa mashoma, kutenderera gumi neshanu, uye na mari shoma. Ehezve, ichave iri mamiriro akafanana chaizvo neayo kana iwe ukatambira hushoma husiri-hunopa pension. Iko kupi mari yemwedzi pamwedzi iri padhuze ne400 euros
Yekuwedzera pension: zvinodiwa
Pensionen dzinopa mari iyo huwandu hwayo iri pasi peiyo shoma pension inotangwa nemutemo inogona kuwedzerwa. Asi pane izvi, pachave nekudikanwa kwezviteedzero zvezvinodiwa kuti uve wekumanikidzwa kubvumidzwa, kuitira kuti iwe ugone kusvika ichi chidiki huwandu. Chero zvazvingaitika, hazvina kuomesesa kutevedzera uye chikamu chakanaka chevamhan'ari chichava mukana wekutevedzera. Ndivo vatinofumura pazasi muchinyorwa chino:
Zvichava zvekumanikidzwa vakapa kweanenge makore gumi nemashanu muhupenyu hwako hwebasa. Vanhu vari pazasi peiyi nhanho havazokwanise kubatsirwa nezano iri mukurega basa.
Izvo zvishoma zvinowedzerwa zvinenge zvisingawirirane nerisiti nemudyandigere wemari kubva kubasa, capital kana zviitiko zvehupfumi uye zviwanikwa zvemari. Ndokunge, kana zvikanzi mari haipfuuri 7.116,18 euros pagore. Kana iwe ukapfuura aya mazinga, hausi kuzove nekodzero yekuwedzera mune yepenjeni yepenjeni.
Kubvumidzwa mune zvese zviitiko iyo kugara munharaunda yeSpain, kunyangwe zvisiri zvekumanikidza kuve neSpanish nyika. Kana zvisiri, pane kudaro, izvo zvakakosha zvinodiwa kuve wakataura munyika medu munguva inodiwa nemirau.
Chero zvazvingaitika, hazvifanirwe kukanganikwa kuti iyi plug-in yekugadzirisa haigone kubhadhariswa kana usingagare kuSpain. Kodzero yekushomeka yekuwedzera icharasika kana iye anowana akamisikidza pekugara kunze kwenzvimbo yeSpain, kunyangwe iri munyika yeEuropean Union (EU).
Ichi chiwedzero cheupenyu hwese here?
Kumwe kwekusahadzika kukuru uko vangangoenda pamudyandigere vanogona kunge kuri iko kwekuwedzera kune mudyandigere ichagara kweupenyu hwese. Mukutaura hongu, asi nebako ratiri kuzokutsanangurira iwe kuitira kuti uvanzwisise zviri nani. Pangosvika iyo shoma mari yaunowana yaunopfuura ikapfuudzwa, kuwedzera uku kwepenjeni yemubhadharo kuchamiswa otomatiki. Zvinogona kuve chero chikonzero, kubva muunganidzwa wenhaka, kugoverwa kwezvikamu kana mabhenefiti akagadzirwa neinvestment fund. Ivo vanove vanopfuura zvikonzero zvakakwana zvekusashandisa ichi chinongedzo kuchikamu chako chepenjeni.
Kune rimwe divi, unofanirwa kufunga nezvazvo kubva zvino zvichienda mberi kuti mubatsiri uyu achaburitswa muganho wemari inoenderana. Ndokunge, zvinogona kunge zvisina kufanana nguva dzese uye nekuda kwechikonzero ichi zvakakosha kuti iwe uve zvakanaka kurairwa nemaneja uye nyanzvi munyaya dzepenjeni. Vanozokuudza nguva dzese zvaunofanirwa kuita uye ndeapi mamiriro chaiwo auchazogara kana uchisiya nyika yebasa. Kunze kwekumwe kufunga kwehunyanzvi izvo zvakajairika zveveruzhinji pension system.
Inoverengwa sei?
Para kuti aone Mashandisirwo anoitwa uyu corrector akakosha kwauri, iwe unofanirwa kugara uchifunga kuti ndeipi chaiyo pension iyo yauchazove nayo mushure memakore emipiro uye nemari inowanikwa muaccount yako. Muchiitiko chekusasvike padiki yekuwedzera pension, zvinofanirwa kutarisa kuti ndeupi mubatsiri anoenderana newe chaizvo. Kazhinji inosvika pachiyero chinosanganisa pakati pe200 ne300 euros mune yega yeiyo 14 kubhadhara kuti ivo vari kuzokubhadhara iwe paakaundi. Zvese izvi kuburikidza nhevedzano yekuverenga iyo iri nani yakaoma.
Mhedzisiro yekushanda uku ndeyekuti vese vashandi vakapa kweanenge makore gumi nemashanu vanogona kutora mudiki wepenjeni. Kunyangwe mune ino kesi, kwete zvakananga kana zvisiri, pane kudaro, zvinowanikwa kuburikidza nechokuwedzera chinogoneswa kune aya mamiriro akajairika pakati pevapenji veSpanish. Iwe unongofanirwa kutora pepa, penzura uye karukureta woita nhamba pamusoro pekuti mamiriro ako ega anga ari sei panguva ino. Ichave nzira iyo mune chero mamiriro ezvinhu isingagare kupfuura maminetsi mashoma.
Zvichienderana neiyo shoma pension
Iwe unofanirwa kuyeuka kuti hwaro hwekuita iyo kuverenga ndiyo idiki yemubhadharo wepension unoramba uchikwira gore rega rega. Ndokunge, hazviwanzo zvakafanana panguva dzese. Mupfungwa iyi, iwe unofanirwa kuziva kubva panguva dzino idzo huwandu hwakatangwa kuitira kuti ugone kuronga zvirinani makore endarama ehupenyu hwako. Huye, muganho uri 7.347,99 euros pagore. Kunyange zvakadaro, kunyangwe ikasapfuura muganho, huwandu hweyekuwedzera hunogona kukanganiswa, nekuti hwunotorwa nekuwedzera kupi kwemubhadharo wemubatsiri.
Retirement pension yemubati ne 65 kana anopfuura makore: muchikamu chino uye zvine chekuita nehunhu newawakaroorana naye, chichava 810,60 euros. Pasina mukadzi, 656,90 euros, nepo kune rimwe divi, muchikamu chine murume asingavimbe naye, huwandu hwema 623,40 euros pamwedzi unoenderana.
Retirement pension yemubati pasi pemakumi matanhatu nemashanu. Mune ino mimwe mamiriro ezvinhu angamuka pakati pevakasiya basa, mari yacho haina kunyanyosiyana, kunyangwe paine misiyano iwe yaunofanirwa kuziva. Nekuti kana iwe uine waunotarisana naye, iyo huwandu ichakwira kuenda ku759,90 euros pamwedzi. Pasina wekuroora kana kuroorwa, iri 614,50 euros uye pakupedzisira huwandu neasina-anovimba naye mukadzi ndiye ari pasi pevose, achigamuchira pension ye580,90 euros pamwedzi.
Chimwe chezviitiko zvakajairika ndizvo zvinonzi mudyandigere wechirikadzi uye izvo zvinokanganisa chikamu chakanaka chevanhu veSpanish vanopfuura makore makumi matanhatu nemashanu ekuberekwa. Kunyanya, nevanovimba nemhuri ndeye 65 euros. Iine makore makumi matanhatu nemashanu nekuremara kwakakura kupfuura 759,90%, ndiko kuti huwandu hwese hwe65 euros. Pakati pemakumi matanhatu nemakumi matanhatu emakore, 65 euros. Pasi pemakore makumi matanhatu, 656,90 euros.
Vanomuka zvakare neCPI
Chero zvazvingava, chitsva chakaitika mwedzi mishoma yapfuura uye chinokanganisa vese vanowana pension ndechekuti muhoro wavo uchawedzera zvinoenderana nematanho e Mutengo wemutengi indekisi (CPI). Mukudaro, idzi inhau dzakanaka dzeichi chikamu chakakosha chezvemagariro sezvo uchizotarisazve uine mamwe maEuro mashoma muhomwe yako wega kana yemhuri. Chibvumirano icho PP, PSOE, Unidos Podemos, Ciudadanos, PDeCAT, PNV neCompromís zvasvika. Ndokunge, ese mapoka akamiririrwa, kunze kweEsquerra Republicana.
Chero zvazviri, chiyero hachizove chiripo uye zvinopesana, zvinotora mwedzi mishoma kuti iwe uzvione muhomwe yako. Chirongwa ichi chichava chikamu cheiyo seti yematanho ayo Chibvumirano chichatora kusvika pairi chengetedza kugadzikana uye kukwana kweiyo system, uye iyo inofanirwa kukwikwidzana uye kuvhota gare gare muCongress of Deputies. Zvekuti kana vangobvumidzwa neDare repasi (Seneti), mukuru wenyika anoteedzera iwo iwo marongero.
Chero zvazvingaitika, chiyero ichi chinoreva kuti iyo revaluation system iyo yakatonga iyo system mumakore achangopfuura haichazoshanda, izvo zvakakonzera kuwedzera kushoma uye ndicho chinhu chekushoropodzwa kubva kuchikamu chikuru chevakasiya basa veSpain. Mune zvimwe zviitiko, pamwe nekutya kunowedzera kwema euro mashoma pamwedzi mupenjeni. Hazvishamisi kuti mukati megore rapfuura kuwedzera kwacho kwaive 0,25%. Huwandu hunenge husina basa hwevane pension vane mihoro iri pasi, pakati pe650 ne800 euros pamwedzi.
Ehezve, aya margin mumipensheni yemupiro zvino zvichave zvichionekwa kupfuura. Mune zvikamu zvese, kubva kune yakaderera kusvika kune yepamusoro mapenjeni, pasina chero mhando yekusarudzika. Zvekuti simba rekutenga revose vanowana pension rinosimudzwa zvakanyanya.