Ndeipi iri nyore kutora mari yekuwedzera?

mari yekuwedzera

Kuno kuSpain, iyo pension yekumira inomiririra kwakatenderedza 80% yemubhadharo wekupedzisira, nekuti iri padanho rino apo simba rekutenga rinowanzorasika. Kunyangwe izvi, avo vari pamudyandigere vanowana mari yekuwedzera, kaviri pagore.

Sezvambotaurwa, kana nguva yekurega basa yasvika, simba rekutenga iro munhu arikutaurwa aive naro, rinoderera gore negore uye kana asina kuchengetedza chimwe chinhu panguva yehupenyu hwekushanda, danho iri rinotambura.

Vose avo vanhu vakarega basa, kusanganisira avo vakarega basa, vanogamuchira mari yavo yepenjeni, iyo inoumbwa 14 iwe unobhadhara gore rega. Izvi zvinoreva kuti ine maviri ekuwedzera kubhadhara. Mutumbi unopa mubhadharo ndiyo National Institute of Social Security (INSS).

Iyi pension inobhadharwa kunonoka kubhadhara pamwedzi uye huwandu huchaenderana neavhareji emubhadharo mabheseni emakore asati aenda pamudyandigere, pamwe nezera remudyandigere. Huwandu hwemari dzinoshamisa yemwedzi waChikumi naNovember yakafanana neiya evakajairika, saka mumwedzi iyoyo muchagamuchira mari yakapetwa kaviri.

Kuti udzidze zvakawanda nezvekuti unotanga riini kutora mari yemudyandigere, El National Institute yeSocial Chengetedzo inotsanangura zvakajeka kuti mhedzisiro yehupfumi hwepenjeni ichatanga kuitika, sezuva rinotevera zuva rekumira kwezviitiko zvebasa, vashandi mumamiriro ezvinhu epamusoro uye anopfuurira mberi mipiro. Kana nguva dzakatarwa dzisati dzasangana zvakakwana, chikumbiro chinotumirwa mushure memwedzi inopfuura mitatu, mari yacho ichawedzerwa kubva muhomwe kusvika pamwedzi mitatu kubva pazuva rekuratidzwa.

Kubhadharwa kwemaviri ekuwedzera pamwedzi ekubhadhara avo vanorega kuwana, mumamiriro ezvinhu enjodzi nekusagadzikana kwehupfumi, akamanikidza Hurumende yeSpain kuti irambe ichitsvaga mari yemudyandigere uye icharamba ichidaro sekureba sekuda kunoita hupfumi. Pakutora mudyandigere, zvinokurudzirwa kuti zviitwe mubazi rebhangi kudzivirira kutakura mari yakati wandei newe iyo inogona kupedzisira yabira vakwegura uye vasina dziviriro.

Kana iwe uri nyajambwa werudzi rupi nerupi rwembavha kana umbavha, zvakakosha kuti iwe uzive kuti kune inishuwarenzi yekukudzivirira mune idzi kesi, senge iyo inopihwa neMAPFRE, iyo inopa rubatsiro mukukuvara kwakagamuchirwa, kwakatorwa mukuba kana kuyedza imbavha yekubira pamwe nekunze kwayo, pamwe nekutsiva kiyi nemakiyi akakanganisika, mari yekuchengetedza hutano chero kukuvara kwakakonzerwa, nezvimwe.

Mari yekuwedzera kana mabhonasi anoshamisa

bhadhara-yekuwedzera-kisimusi

In the Chinyorwa 31 cheVashandi Statute, zvinonyatsoratidzwa kuti iyo mushandi ane kodzero yekugamuchira mabhonasi maviri kubhadhara kunoshamisa kwegore negore, chimwe chazvo nekuda kwezvikonzero zveKisimusi uye chakagashirwa sebhonasi yeKisimusi, imwe nguva, inobhadharwa mumwedzi wakagadzwa nechibvumirano cheboka kana nechibvumirano pakati pevamiriri vezvemutemo vevashandi nevashandirwi.

Nekudaro, iwo mutemo unongounganidza se Inoshamisa Kisimusi Bhonasi, imwe yacho zvinoenderana zvachose nekutaurirana muchibvumirano chakabatana. Saizvozvo, mutsetse wemakambani mazhinji nezvibvumirano zvinoitwa ndezvekuti mumwe muripo unoitwa mumwedzi waChikumi, zvinowirirana nezuva rekutanga renguva yezororo, kugovanisa izvi kubhadhara pazvinoonekwa sezvakanyanya kunaka.

Kubviswa

Mari yekuwedzera haina kutaurwa saizvozvowo, asi vane mutero unorambidzwa wakatemerwa nemutero wemunhu wega. Ichokwadi ndechekuti hazvisi zvekuti ivo havasi kupa, asi kuti iwe wave kutove uchivapa kwavari yasara yemwedzi yawakashanda.

Mushandi wega wega anopa zvipo zvake kuSocial Security, otomatiki mwedzi wega, zvichibva pamubhadharo wake unobviswa pamubhadharo wake. Izvi zvinobviswa zvinoitwa zvichibva pamubhadharo wemwedzi wega wega, izvi zvinoreva kuti mwedzi nemwedzi, mari yakati wandei inobviswa pamubhadharo wako, uine pfungwa dze: zvakajairika zvinoitika, kushaya basa uye kudzidziswa kwehunyanzvi sekunge sekunge muhoro wako watove nawo, wakawedzera mubhadharo.

Yakawedzerwa kune izvi, iyo Kubata Mutero paVanhu, inozivikanwa semutero wemunhu wega, asi izvi zvinoitwa neimwe nzira sezvo iri chikamu chemubhadharo unobudirira wemwedzi iwoyo, pasina kufunga nezveiyo yakashongedzwa muhoro.

Mukupedzisa, kana mushandi agamuchira imwe yemubhadharo wake wekuwedzera, anongofanira kubvisa mutero wemunhu, nekuti mipiro kuSocial Security yakaregererwa nekuzvibhadhara kare.

Kugovana

In the Statute yevashandi inoratidza kuti inogona kubvumiranwa muchibvumirano chakabatana, kuti mabhonasi anoshamisa akaiswa muzvikamu gumi nemaviri zvemwedzi. Iye mushandirwi haakwanise kuzvisarudzira iye ega, kugoverwa kwemubhadharo unoshamisa unowanikwa pamubhadharo wemwedzi gumi nemiviri, zvisinei, kubhadhara kwakabhadharwa kwemabhonasi anoshamisa kwaonekwa sekushanda uye kusunungura kana izvi zvichibva muchibvumirano chega uye muchibvumirano chinorambidzwa haina kufungidzirwa.

Mukana iyo Mabhonasi anoshamisa akagadzirwa, Ivo vanofanirwa kuratidzwa zvakajeka uye kuputswa mubhadharo, kana zvisiri, mushandi achave nekodzero izere yekudaidzira mari yemari iri kuda kubhadhara kwayo kuzere.

Kuwedzera

El kuwedzera kwekushamisa kunoshamisa kuri pagore, mune zvese, kunze kwekunge chibvumirano chekutanga zvachinja izvi. Izvi zvinoreva kuti mabhonasi anoshamisa anogadzirwa kubva pazuva ravabhadharwa vhezheni yavo yapfuura. Pakupera kwechinyorwa iwe unowana muenzaniso wekuti ungawedzera sei zvakajeka.

Kubhadhara kwekuremara kwenguva pfupi

Huwandu hweiyo mamwe maricho Inoderedzwa zvakaenzana nenguva yenguva iyo mushandi anoramba ari mumamiriro ekuremara kwenguva pfupi. Izvi zvinodaro nekuti kuverenga kweiyo hurema hwekubatsira kwenguva pfupi, Yakagadzirwa zvichibva pahwaro hwemupiro wezviitiko zvakajairika, pfungwa iyi yatove inosanganisira iyo kubhadhara kunoshamisa. Izvi zvinoreva kuti kana isu tiri kuenda nekuda kwechirwere chakajairika kana kukuvara, muripo wacho unoitwa zvichibva pamuripo wedu wakakura wemwedzi, prorating mamwe mabhonasi ari pairi.

Saizvozvowo, kuremara kwenguva pfupi kunogona kutariswa nechibvumirano chega kana nenzira yechibvumirano chebasa sebasa rakaitwa zvinehunyanzvi kuitira kuti vawedzere kubva pamitero inoshamisa uye nekudaro, hapana huwandu hunofanirwa kudzikiswa.

Kubhadhara mukugadzirisa

Izvi zvinoitika kana iyo mushandi anogumisa hukama hwake hwekushanda nekambani, Zvisinei nechikonzero chekuenda kwake, aimbove mushandi ane kodzero yekuwana chikamu chakaringana chemabhonasi anoshamisa anoenderana naye panguva yekudzingwa kana kusiya basa, iyo muripo unofanirwa kuratidzwa uye kuputswa mugwaro rekupedzisira rekugadzirisa, pamwe nedzimwe pfungwa.

Muenzaniso wekuverenga

kuchaja-kubhadhara-kuwedzerwa

Mushandi anoshandirwa musi waFebruary 1, 2016, aine muhoro wepagore we € 28.000 unogovaniswa zvakaenzana mumabhadharo gumi nemana, nemibhadharo miviri inoshamisa yakabhadharwa munaJune naNovember nemubhadharo wegore. Ngatitii nhasi ndiAugust 14, mune uyu muenzaniso tichaongorora, ndeupi mubhadharo wawakagamuchira muna Chikumi, uye ndeupi chikamu chakaringana chemabhadharo asina kujairika awakagadzira kusvika panguva iyoyo.

  • Kunyoresa zuva: Kukadzi 1, 2016
  • Yakawanda mari yegore rose: € 28.000
  • Mubhadharo wemubhadharo wega wega: € 2.000

Kuwedzera kwemari yekuwedzera yegore:

Chinhu chekutanga kuita kuverenga iyo yekuwedzera mubhadharo wakabhadharwa muna Chikumi. Uyu mubhadharo wakatanga kugadzirwa musi wa 1-7-2015 kureva kuti, muna Chikumi wegore rapfuura, asi kubvira mushandi paakapihwa basa kusvika 1-02-2016, haina kugadzirwa zvakakwana, asi chikamu chayo chete:
Nhamba yemazuva akapfuura pakati pe1-02 kusvika 1-07 = 150

Mari yakabhadharwa munaChikunguru ndeye (Mari yemubhadharo wekuwedzera x Nhamba yemazuva akapfuura) / Nha. Yemazuva ese egore = 2.000 * 150/360 = € 833,33.
Chechipiri, iwe unofanirwa kuverenga chikamu chakaringana chemabhonasi ekuwedzera akagadzirwa kusvika panguva iyoyo:

  • Mbudzi kubhadhara = 2.000 * 180 mazuva / 360 = € 1.000 XNUMX
  • Kubhadhara kwemwedzi waChikunguru = 2.000 * mazuva makumi matatu / 30 = € 360

Mamiriro evashandi muna Nyamavhuvhu 1 ndeaya:

  • Mushandi akagashira semubhadharo (Kukadzi - Chikunguru): € 12.000
  • Mushandi akagamuchira semubhadharo unoshamisa huwandu hwe: € 833,33.
  • Mushandi akawedzera, asi haana kuwana mari inoshamisa: € 1.166,67.
  • Muhuwandu hwakazara, mushandi akagadzira huwandu hwe: 833,33 + 12.000 + 1.166,67 = € 14.000. Nekudaro, iyo kambani yakangomubhadharira iye € 12833,33, nevamwe vese vakamirira.

Ko kana iye mushandi aine mamwe mabhonasi akarongedzwa?

Mushandi anofanira kutora huwandu hwakaenzana, kunyangwe mari yake yekuwedzera yakarongedzwa, saka mhedzisiro yacho inofanira kunge yakafanana.

  • Yakawanda mari yegore rose: € 28.000
  • Mubhadharo wemwedzi nemwedzi: € 2.333,33
  • Mubairo unogashirwa wemwedzi waKukadzi - Chikunguru = 6 * 2.333,33 = € 14.000

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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