Kwiiveki ezimbalwa, kuye kwathethwa okuninzi malunga nokwenzekayo nge inkqubo yomhlalaphantsi kwaye kwiimeko ezininzi intlekele iyaxelwa kwinkqubo entsha yaseSpain yomhlala-phantsi, enabantu abaninzi abenexhala.
Ukuqala ukufumana kancinci ngalo mbandela, into ethethwayo kukuba ngeli xesha lika-2016, Ipenshoni kwispain izakukhuphuka ngenxa yenguqulelo. Masiqale ekuqaleni. Into yokuqala eyaziwayo yile I-SS isebenze i-simulator eya kukuvumela ukuba wazi ukuba yintoni enye inzuzo eyongezelelweyo umntu ngamnye azakuba nazo kwipenshini yakhe. Ukwenza oku, kufuneka ufake iphepha lokhuseleko loluntu kwaye ubale ipenshini oza kuba nayo ngamanyathelo amathathu alula.
Isimulator iyasebenza kwiintsuku ezimbalwa ezidlulileyo ukusazisa ukuba yeyiphi ipenshini yoluntu eza kwamkelwa. Esi sixa-mali sinikezelwa ngokusekwe kwinto ebixhaswa ngeminyaka yokusebenza kodwa ipesenti ebalwa ngayo iya kuba phezulu.
Amanyathelo alula okukwazi ukubala ipenshini entsha.
Into yokuqala ekufuneka uyenzile kukungena kwiwebhu kwaye wenze iakhawunti yobuqu kuyo. Iqonga kukhuseleko lwakho ekuhlaleni.
Emva koko, iqonga liya kukunika ikhowudi yokuvula, le khowudi iya kucelwa kuwe xa usiya kwi-ofisi yakho yokhuseleko loluntu. Apho, ngale khowudi, baya kukunika iphasiwedi ukuze ungene kwiakhawunti yakho.
Kuya kufuneka ubonise uxwebhu lwe-DNI okanye lwe-NIF. Le iya kuba kuphela kwento ekufuneka ubonise yona ukuze basebenzise iakhawunti yakho kwi-intanethi okanye bakunike ikhowudi yokuvula.
Umntu ngamnye onekhowudi yakho, uya kuba nakho ukungena kwinkampani kwaye aqale ukusebenzisa i-simulator ngaphandle kwengxaki. Kwimeko apho umntu enesazisi se-elektroniki, ungangena kwiwebhu kwaye ke uvule iakhawunti.
Ngoku siqhubela phambili kwisinyathelo sesibini. Nantsi into ekufuneka yenziwe xa sele sinayo ikhowudi yokuqalisa siyifaka kwiakhawunti yethu. Igama lethu lobhaliso liya kuba linombolo yokuchonga kwaye ngezantsi kwekhowudi yokuqalisa abasinike yona kwiofisi yokhuseleko loluntu,
Nje ukuba ivulwe iakhawunti yethu, siya kuba nakho ukubona igama labemi kunye nenombolo yesazisi. Ikhowudi yokuvula kwaye ekugqibeleni i-imeyile iya kuvela. Unokubona ukuba unexesha elingakanani umntu enegalelo kwaye ziziphi izibonelelo azifumeneyo. Ukongeza, uya kuba nakho nokubona ukuba bashiyeke ixesha elingakanani na xa bethatha umhlala-phantsi oqhelekileyo nokuba bakubudala obunjani abanokuthatha umhlala-phantsi.
Apha ngezantsi kwayo yonke loo datha yi-simulator yomhlala-phantsi. bucala ngasekhohlo Isimulator ineqhosha elithi "lingisa ipenshini"
Inyathelo lesithathu lokwazi ukuba bangasinika malini na ngomhlala-phantsi omtsha
Kwinqanaba lesithathu esiya kulo ulingiso, ngesiqhelo akufuneki sibeke nantoni na, kodwa ukuba sibona ukuba enye idatha ayichanekanga, sinokunika ukhetho "lokuguqula iimeko zobuqu" kwaye ngolu khetho singatshintshela kwidatha yokwenyani . Oku kuya kunika Izibonelelo kwipenshini yakho yexa elizayo. Uyakwazi ukubona ngokuzenzekelayo, ukuba ukuphuculwa kwepenshini kuyanceda okanye akuncedanga.
Unokubona iyakuba yintoni imali xa kulindelwe ipenshini.
Ngokubhekisele kwisimulator, iphakamisa iprojekthi yokulinganisa ipenshini eqhelekileyo. Nangona kunjalo, yenzelwe ukuba umntu oza kuphonononga ipenshoni yakhe, aphinde abuyele kwimeko ayifunayo kwixesha elizayo ukuze athathe izigqibo ezifanelekileyo ngokusekwe kwimisebenzi anayo ukusukela ngala mhla.
Ukunyuka kwepenshini okumangalisayo
Ukuba sikhumbula kancinane, ukusukela ngo-2007, ipenshoni iye yehla yaza yaphulukana nalo lonke ixabiso ebelinalo kwinqanaba elingenakuzinza. Ngo-2011 kuphela, ipensheni yenyuka ngo-0.42 kodwa ayizange iphinde ibone enye inyuka.
Ukuhlaziywa kwepenshoni: ukuba izinto azitshintshi, okona kubi kuseza
Okwangoku, akayeki ukuthetha ngokunyuswa kwepenshini kunye namandla aphezulu okuthenga, oko kuthetha ukuba abantu abaninzi sele beqalisile ukucinga malunga nokwanda okuhle kubo. Nangona kunjalo, ngokweengcali, into eyonyukayo ngokukhawuleza lixabiso lokuphila, ke nokuba bekukho ukonyuka kwepenshini ngomso, ngekhe kube ngathi kukuphucula kodwa kube njengokutya. Umzekelo, nangona iindleko zombane zinganyukanga, amatyala aya esiba phezulu.
Kwiingcali zezoqoqosho, ukunyuka kwepenshoni kukusilela kokunyuka kwe-CPI esetyenziselwa ukuhlawulwa kwerenti kunye nepenshoni ethile yokuhlawulwa enikiweyo. Kukondla okuyalelwa yinkundla yosapho. Nangona kunjalo, kolu hlobo loncedo, i-0% iye yagqitywa kubo bonke. Ngokwengcali zezoqoqosho, ayisiyonto yokuqhayisa le, kodwa yinto esixelela ukuba ilizwe liya lisiba mandundu kwaye ngoku bafuna ukuzithethelela ngokunyuswa kwepenshini, ethi, kude nokuba sisipho okanye isimanga, ibe yinto yokuphila .
Ngokumalunga nokwahluka kwe-CPI esele ikho ukusukela ngo-2007, le ibiyi-4%. Ukusukela ngoko, kuye kwakho ukwanda nge-2 kwaye le ka-3,14 ye-2016. Oku kusixelela ukuba konke Abadla umhlala-phantsi eSpain balahlekelwe lixabiso lezabelo zabo kwaye phantse zonke iinkampani zeli lizwe ziyiphindaphinde inzuzo yazo.
Umzekelo
Abadla umhlala-phantsi ngoku abagcwalisa ifriji yabo, ngokuqinisekileyo kule minyaka idlulileyo baqaphele ukonyuka okuncinci kwixabiso lokutya, irente kunye namayeza, nangona kunjalo, ipenshoni ihleli iphantse yema. Nokuba ungonyuka kumhlala-phantsi wakho oyi-0.25%, ekugqibeleni uyakubanemali encinci kuba umgangatho wokuphila uza kuqhubeka usanda.
Iingcali zisimema ukuba sizibuze umbuzo kwaye kukuba ukuba umgangatho wobomi wawungakhange ukhule ngokukhawuleza, Ngaba ipenshoni ibingagcinwa ingu-zero?
Yeyiphi ipension eza kunyuka
Ngoku siya kumxholo we uqikelelo kunye nokuba sicinga kangakanani ukuba baya kunyuka okanye behle. Into yokuqala ekufuneka siyikhumbule kukuba yonke into iyalinga ngokusekwe kwidatha esiyaziyo ukuza kuthi ga ngoku. Siza kuthetha ngobuncinci kunye neepenshini ezincinci, sisazi ukuba kunokwenzeka ukuba isixa esonyukayo singama-0,25% xa kuthelekiswa nonyaka ophelileyo.
Ezi ndaba zinikezelwe luhlahlo-lwabiwo mali lukarhulumente kulo nyaka ka-2016 kwaye bathe ukuba kunokwenzeka kunyaka olandelayo bazakuhlala ku-0.25.
Nangona kukunyuka okuncinci, yiyo leyo Kucetyiswa ngumthetho ukugcina uzinzo lweepenshoni. Lilonke, oku kukunyuka kwe-272 yezigidi ze-euro kulo lonke elaseSpain.
Kubantu abaza kufumana eyona pension iphezulu, isixa siya kuba ngama-2,500 636 euros, elona xabiso lisezantsi lomhlala-phantsi eliya kuhlawuliswa i-euro ezingama-XNUMX.
Abantu abanomhlala-phantsi we-mileurista banokuqaphela ukonyuka kwee-euro ezingama-2,5 kuphela ngenyanga. Nangona kunjalo, kubantu abafumana ipension ubuncinci inyanga nenyanga, ukonyuka kuyakuba yi-1,5 euro kuphela.
Oku kusixelela ukuba nangona sinonyuso kulo nyaka, ukwanda akuhambelani nenkcitho kunye nokonyuka kobomi esinabo ngoku.
Kananjalo abayi kuba nayo nayiphi na imali eyongezelelweyo yokubanceda ngexabiso lesithuba kwaye ukonyuka phantse akukho.
Luzonyuka phi lo nyaka ka-2016
Ngokwaseburhulumenteni, bagxile kukonyuka okukhulu kwepenshini kulo nyaka une-135.448,93 yezigidi zeerandi. Kodwa okwangoku, yindlela ipenshoni ekuyo ngo-2016.
Iingcali zithi ukuba ucinge malunga ne-inshurensi yobomi yeentsapho kunye nomntu oziqeshayo ekubeni umba wepenshoni uya usiba nzima.
Ipenshoni iza kwahlulwa njani eSpain ngo-2016
Amakhwenkwe amadala
El Icandelo loMphathiswa Wezengqesho Nokhuseleko Loluntu, Ithi ukonyuka kwepenshini kuyakwenziwa ngaphezulu kwe-9 yezigidi zomhlala-phantsi kunye ne-440.000 yeepenshoni ezinganikeli. Izibonelelo ezili-185.000 ziya kunikwa nakwiintsapho ezinabantwana abaxhomekeke kubo abakhubazekileyo.
Malunga ne ipenshoni enegalelo, ngaphezulu kwe-5 yezigidi iyakuba yeyabantu esele bethathe umhlalaphantsi kwaye ngaphezulu kwe-2 yezigidi iya kuba yeyabantu abaphulukene namaqabane abo kwaye baya kunikwa njengabahlolokazi. Yimpesheni engamawaka angama-940 kuphela eza kunikwa abantu abakhubazeke isigxina nabangama-240 ngenxa yobunkedama. Izibonelelo ezingama-39.000 ziya kunikwa iintsapho.
Ke, ukuphinda uyiphinde le nxalenye yokugqibela, ukuba uqokelela ipenshoni ye-635 euro, imali oyakuyifumana ekwandiseni ipenshoni yalo ngo-2016 iyakuba yi-1,5 okanye i-1,6 yeerandi ngenyanga.
Isalathisi esintsonkothileyo
Ukusukela kwiintsuku zokuqala zalo nyaka, baye bakwazi ukufumana indices ezahlukeneyo ezibonisa ukuba ipension izakuhlaziywa, kuba isiphumo sokufakwa kwepenshini sasilungile, nangona kunjalo, amanani ahlukile okoko inani labantu abaneepenshoni, umvuzo kunye neenkcitho zale pension, sele zidityanisiwe zaya kufikelela phantse kwizigidi ezili-9 kwaye kubonakala ngathi iyanda.
Into ekuzanywayo kwaye engaphunyezwanga ukuza kuthi ga ngoku kukuba Ukuhlaziywa kuyahambelana nebhalansi kunye neendleko zokuhlala. Oku kusixelela inye kuphela into, yokuba amaxesha obunzima aya kulungiswa ngamaxesha apho imisebenzi karhulumente yandiswa ngokusekelwe kwipenshoni.
Ngoku sinokulindela izinto ezimbini, ukuba uhlaziyo luya kuba yi-0.25% nokuba sisixa esincinci kakhulu okanye ukunyuka kwe-CPI ye-0,5% esetyenziswa kumaxesha amahle elizwe.
Nangona urhulumente sele esitsho ukuba olona nyuso lukhulu luzakwenziwa kunyaka olandelayo, iingcali zithe kusenokwenzeka ukuba iphinde ibe yi-0.25% kuba iyipateni esele ilandelwe ukuza kuthi ga ngoku, phantse kungabikho nguqu.
Yintoni onokuyilindela ukusukela ngoku
Njengoko besesitshilo kwicandelo elingaphezulu, ukwanda kwesininzi sabantu abadla umhlala-phantsi abaza kufumana kulo nyaka ka-2016 ayothusi nakubani na, kukunyuka kwe-1,5 yeerandi ngenyanga, mali leyo iyinyani ukuba sidibanisa ukwanda kumanzi, umbane, irente, imoto nepetroli esele zenziwe ekuqaleni konyaka kwaye ezigqithisileyo kakhulu kwesi sixa; oko kuthetha ukuba abantu abafumana ipenshoni abanakho kwiimeko ezininzi ukugcina imeko yobomi ephakathi. Nokuba kwezona pension ziphezulu zingaphezulu kwe-2,000 euros, ukonyuka kuya kubaluleka kuba ukonyuka kwezi meko kuya kuba ngaphezulu kwe-2,5 euros; kwakhona isixa esihlekisayo ukuba siyithelekisa nokunyuka kweminyaka edlulileyo engaphezulu kwe-5 euro.
Umphathiswa wezoqoqosho uyathetha
Ngokwe-Ofisi yoMphathiswa wezoQoqosho, balungiselela ukonyuka okuphezulu kakhulu kunyaka olandelayo, nangona iingcali zingenalo ukholo olukhulu kulo kwaye zikholelwa ukuba izinto ziya kuhlala zinje ngenxa yendlela esele yenzekile kule minyaka idlulileyo kwaye iya isiba Iya isiba mandundu.
Ukwanda komthetho
Masikhumbule ukuba ukunyuka kwepenshoni ngokomthetho yeyona nto iphantsi ekhulayo, oko kukuthi, i-0.25% kwaye nangona umgangatho wokuphila uqhubekile nokunyuka, akukho xesha apho bekukho intetho yokunyusa i-% yonyaka yabantu abadla umhlala-phantsi.