Xa uphelelwa ngumsebenzi kwaye ungenaxesha de ulande imali yakho yomhlalaphantsi, izinto ziba mnyama. mnyama kakhulu. Ngenxa yesi sizathu, xa kwavela inkxaso-mali yabo bangaphezu kweminyaka engama-52 ubudala, kwavulwa isibane esincinane ebumnyameni kwaza kwanceda abaninzi bazixhasa de bafikelele kumhlala-phantsi, okanye bade bafumane umsebenzi omtsha.
Kodwa, iquka ntoni inkxaso-mali yabantu abangaphezu kweminyaka engama-52? Ngubani onokuyicela? Ziziphi iimfuno onazo? Ukuba ucinga ngokufaka isicelo, ngezantsi sikunika zonke izitshixo ukuba uzithathele ingqalelo.
Ithini inkxaso-mali kubantu abangaphezu kweminyaka engama-52 ubudala?
Inkxaso-mali yabantu abaneminyaka engaphezu kwama-52 ubudala luncedo lwemali olunikezelwa eSpeyin kwabo bantu bangaphezu kweminyaka engama-52 ubudala abathe baphelelwa ngumsebenzi baza bazigqiba izibonelelo zabo zokungaphangeli, oko kukuthi, abasenalo ilungelo lokufumana ukungaqeshwa.
Le nkxaso-mali iluncedo kwabo bantu bangaphangeliyo nabangaphezu kweminyaka engama-52 ubudala, nto leyo eyenza kube nzima ukuba bafumane umsebenzi ngenxa yobudala babo. Ngale ndlela, bayancedwa ngokwemali ukuze bakwazi ukuhlawulela iimfuno ezisisiseko ngoxa befanele bakhangele umsebenzi okanye balungiselele umhlala-phantsi.
Kwaye olu ncedo alunamhla wokuphelelwa kwexesha. Kunoko, kunjalo, kodwa kuya kuba njalo, ngaphandle kokuba umsebenzi ufunyenwe kwangethuba, umhla apho ipenshoni yomhlalaphantsi inokucelwa ngawo. Oko kukuthi, iminyaka yomhlalaphantsi ifikelelwe.
yimalini ebizwayo
Inkxaso-mali yabantu abangaphezulu kweminyaka engama-52 ubudala inceda ekuhlawuleni iimfuno ezisisiseko. Okuthetha ukuba ayizukulingana nomvuzo.
Ngo-2023, imali ehlawulwa ngenyanga kumntu ngamnye ohlangabezana neemfuno kwaye owamkele inkxaso-mali yi-480 euro.
Ngaphambi kwalo nyaka intlawulo yayingama-euro angama-463.
Iimfuno zenkxaso-mali kubantu abangaphezu kweminyaka engama-52 ubudala
Ukuba, emva kokufunda konke oku kungasentla, ufuna ukwazi ukuba ungayicela na kwimeko yakho, kufuneka wazi ukuba zeziphi iimfuno zokufikelela kwinkxaso-mali kubantu abangaphezu kweminyaka engama-52 ubudala.
Ukuqala, kufuneka wazi ukuba nganye kuzo kufuneka izaliseke. Yaye ziziphi? Sikucacisela zona:
- Yiba neminyaka engama-52 nangaphezulu. Enyanisweni, ukuba awukafiki kwiminyaka yokuthatha umhlala-phantsi (kwaye lo ungaphezu kweminyaka engama-52 ubudala) uya kulungela olu ncedo.
- Ukungaphangeli. Kwaye kule meko kufuneka uphelelwe izibonelelo zokungaphangeli xa unokuzifumana. Ukongeza, kufuneka uthobele isibophelelo sokubhaliswa njengomntu ofuna umsebenzi kangangenyanga enye phambi kokuba ucele inkxaso-mali.
- Yiba negalelo ubuncinane iminyaka emi-6 ngenxa yokungaqeshwa. Oko kukuthi, bakucela ukuba ubuncinci iminyaka emi-6 yokuba usebenze kuKhuseleko lweNtlalo, akukhathaliseki nokuba yeyomnye umntu okanye uziqeshile. Oku kubalulekile ukugxininisa, kuba igalelo lentswela-ngqesho kwimeko yomntu oziqeshileyo ngokuqhelekileyo akunyanzelekanga, kodwa kukhetho.
- Ukungabi nangeniso. Ukuba unomvuzo ongaphezulu kwama-75% owona mvuzo uphantsi womsebenzi wokufunda, awusayi kunikwa inkxaso-mali kubantu abangaphezu kweminyaka engama-52 ubudala. Ukuze uyiqonde ngcono, awunakufumana ngaphezulu kwe-810 yee-euro ngenyanga yomvuzo wakho.
- Yiba neminikelo eyaneleyo yokuthatha umhlalaphantsi. Ukuba sele uneminyaka eyi-15 yegalelo, ungafikelela kumhlalaphantsi. Noko ke, ekubeni ixesha lokuthabatha umhlala-phantsi lingekafikelelwa, isibonelelo sisebenza ngokungathi luncedo olongezelelekileyo ngoxa kufunyanwa omnye umsebenzi okanye kufikelelwa kwiminyaka yobudala.
Uyicela njani inkxaso-mali kubantu abangaphezu kweminyaka engama-52 ubudala
Ngaba uyahlangabezana nazo zonke iimfuno? Ke inyathelo elilandelayo, ukuba uyafuna, kukufaka isicelo sesi sibonelelo. Iqumrhu elijongene nokufumana izicelo yiSEPE, kodwa eneneni kukho iindlela ezininzi zokucela uncedo.
Umzekelo, ungaya ngokwasemzimbeni kwi-ofisi yengqesho (ewe, qiniseka ukuba akunyanzelekanga ukuba wenze idinga, kuba kusenokwenzeka ukuba ucele enye okanye abayi kuza kuwe).
Ukwenza kwi-intanethi ngokusebenzisa ikomkhulu le-elektroniki le-SEPE yenye inketho. Ukwenza oku, i-ID ye-elektroniki, isatifikethi sedijithali okanye ikhowudi yomsebenzisi kunye negama lokugqitha mazifumaneke. Ukuba awunayo, oko akuthethi ukuba awukwazi ukuyiveza; Ngokwenyani ewe, kule meko kuphela ifom yesicelo sangaphambili isetyenziswa ekuya kuthi kamva unikezele ngokusemthethweni e-ofisini.
Nje ukuba uyiveze, kwaye emva kwexesha, uya kukwazi ukuphonononga ifayile yakho ye-intanethi nge-Intanethi (kwiwebhusayithi ye-SEPE) ngaphandle kwesidingo sesatifikethi sedijithali. Ngale ndlela, uya kuba nakho ukwazi ukuba wamkelwe kwinkxaso-mali okanye hayi.
Ukuba baye benza njalo, isimo sokubhaliswa siya kubonakala kwicandelo lokugqibela lenzuzo, kwaye baya kuchaza uhlobo lwenzuzo (kule meko, i-subsidy yabantu abangaphezu kweminyaka engama-52 ubudala).
Ingaba isibonelelo singagcinwa de ube ngumhlala phantsi?
Ewe kwaye hayi. Uyabona, ukuba nje uhlangabezana neemfuno, ungasigcina eso sibonelelo ekuhambeni kwexesha. Kodwa xa kukho into etshintshayo, inokurhoxiswa.
Kwaye kukuba ukuba nale nkxaso-mali kuthetha uthotho lwezibophelelo kwicala lommkeli. Yeyiphi?
- Ukugcina imiqathango ekunike ilungelo lokufumana inkxaso-mali.
- Ukuthobela oko kubizwa ngokuba “kukuzinikela kumsebenzi”. Ngamanye amazwi, ukunyanzeliswa ukuba ukhangele umsebenzi kunye nokufumaneka kwimeko apho iNkonzo yeNgqesho yoLuntu ibiza ukuqhuba iikhosi zoqeqesho, iiseshoni zokuqhelaniswa nomsebenzi, udliwano-ndlebe lomsebenzi okanye izibonelelo zemisebenzi apho iprofayili ihambelana khona.
Ngamanye amazwi, ukuba unaloo nkxaso-mali akuthethi ukuba akufanele wenze nto. Bangakubiza ukuba wenze izifundo, uye kudliwano-ndlebe okanye utyikitye isivumelwano sengqesho. Gcina ukhumbule ukuba kukho iimeko apho abo bangaphezu kwama-52 abafumana inkxaso-mali bafumana uqeqesho olungakumbi kunye nokunikezelwa kwemisebenzi ngenxa yeebhonasi kunye noncedo kwiinkampani ekuqeshweni la maqela.
Yaye kuthekani ukuba uyala? Ewe, usengohlwaywa (ulahlekelwe yinkxaso-mali phakathi kwenyanga enye ukuya kwezintandathu) okanye uphulukane nenkxaso-mali kangangonyaka, okanye ngonaphakade.
Ngaba inkxaso-mali yabantu abangaphezulu kweminyaka engama-52 sele icace kuwe ngoku?