Ubuninzi bepension kunye nobuncinci bomhlala phantsi ngo 2018

ipenshoni kwispain

Inkqubo Yomhlala-phantsi kaRhulumente inenjongo yokubonelela ngeniso ekhuselekileyo nefanelekileyo xa kukho izizathu eziyifunayo, njengokuguga okanye ukukhubazeka okuthile. Kungenxa yokuba le nkqubo ikwasetyenziselwa ukwenza isigqibo ngomahluko kwingeniso ngenxa yamalungelo ebecatshulwe ngaphambili, URhulumente usibona isidingo sokumisela imida kwi Pension, nto leyo ikhokelela kwelona pension lisezantsi nelona liphezulu.

Kutheni kubekiwe imida, njengowona mvuzo mkhulu kunye nobuncinci

Ngokwesiko uRhulumente ubeka le mida ngokwe Umthetho woHlahlo-lwabiwo mali lukaRhulumente. Kwelinye icala, ikwaseka uMvuzo oPhantsi woBuchule kunye nePhawuli yoLuntu yeNgeniso yeZiphumo ezininzi. Ngamafutshane, kuyakhathalela ukumisela umda wepension iphezulu kunye nobuncinci bepenshini yomhlala-phantsi.

NgoDisemba 2017, yapapashwa Ukuhlaziywa kwepenshoni, kowama-2018 nge-0.25%, bobona buncinci bezomthetho obumiselweyo. Sithetha ngomnyaka wesihlanu kuyo, ngokulandelelana, ipenshini iza kunyuka nge-0.25%, Ngokwe Index yoHlolo loNyaka yoNyaka, echazwe kuMthetho 23/2013, isezantsi esisekwe ngokusemthethweni kwaye ithathela ingqalelo ingeniso kunye nenkcitho yenkqubo, eqinisekisa ukunyuka okuncinci kwe-0.25%, kunye ne-CPI, Ukongeza kwi-0.50%.

Ubuncinci bemhlala-phantsi ngo-2018

abahlala phantsi

Ngamanye amaxesha, ipenshini onelungelo kuyo iphantsi kakhulu, kuxa ubuncinci buchazwa, umda osezantsi ukuzama ukwanela ukuhlawula ubuncinci beenkcitho. Igama elisetyenziselwe oku ubuncinci lokuncoma kwaye libhekisa kwizicatshulwa ezenziwe kwi obona buncinci bomhlala-phantsi kunye nesixa-mali esenzelwe wena onelungelo kuso. Ukuze ufumane olu ncediso lincinci kwaye ube nokufikelela kubuncinci bepenshini, kubalulekile ukuba ube uhlala kummandla wesizwe.

Inqaku elidibeneyo:
Uyifumana njani eyona pension iphantsi xa uthatha umhlalaphantsi?

Umntu onepenshini, oko kukuthi, Umntu odla umhlala-phantsi unenani elichaziweyo kunye nelona lisezantsiNgokunjalo, ngenxa yemeko ethile yomtshato, kunye nobudala ikwayinto ethathelwa ingqalelo ukumisela ubuncinci bemida yepenshini, ubudala bomntu odla umhlala-phantsi unakho okanye ungabi ngaphantsi kweminyaka engama-65.

Imeko yomtshato yomntu odla umhlala-phantsi inokuhlelwa ibe yenye yezi zinto zintathu:

  • Ngamaqabane angaxhomekekanga kuwe
  • Ngomlingane oxhomekeke kuye
  • Akukho qabane

Iqabane elithembekileyo lithetha ukuba umntu onomtshato kunye nomntu odla umhlala-phantsi uxhomekeke kuye. Oku kuyaqondakala xa umntu ohlala nalo mntu udla umhlala-phantsi akanguye nomnini-pension Ke ngoko, ukuxhomekeka kuqoqosho kukhuthaza imali iyonke abanokufikelela kuyo bobabini, Ukuthathela ingqalelo nayiphi na ingeniso yayo nayiphi na imeko, ingaphantsi kwe- € 8.321,85 ngonyaka.

Ukuba kunjalo, ingeniso yamacala omabini ingaphantsi kwelo xabiso, kukho isongezelelo esilinganayo umahluko, esasazwa kwinani elihambelanayo leentlawulo zenyanga. Intlawulo encinci eyongezelelweyo ayivunyelwe ingagqitha kwisixa sepenshini ebesiya kungqinelana xa kukho abaxhamli ababini abanelungelo lokufumana ipenshini ukuba kukho iqabane elixhomekeke kuwe.

Ukubala ipenshoni yomhlala phantsi

umhlala-phantsi

Zintathu izinto ezingunobangela wokuba umhlalaphantsi wakho ubengakanani:

Iyonke iminyaka yoluhlu:

Eli lixesha lobomi bonke bokusebenza, kuba ngeminyaka eli-15 yemirhumo, i-50% yeSiseko soLawulo inokufikeleleka (eza kuchazwa ngezantsi) kwaye iyanda de kube kunokwenzeka ukufikelela kwi-100% ye-Regulatory Base, ubuncinci I-35 kunye nesiqingatha seminyaka semirhumo kwi-2018 (le nto iyahluka kude kube ngu-2027, emva koko ubuncinci beminyaka engama-37 yemirhumo iya kufuneka ukufikelela kwi-100% yeSiseko soLawulo.

Iminyaka ilindelwe:

Kuyenzeka ukuba siqikelele inani elithile leminyaka yokuthatha umhlalaphantsi, ukuba siyoyika ukubanakho ukufikelela kwenye yeendlela ezichazwe nguMthetho Jikelele woKhuseleko lwezeNtlalo kuMhlala-phantsi wasekuqaleni.

Umgaqo osisiseko:

Oku kuthetha ukuba izibalo zihlaziywa ngokwahluka kwe-CPI yesixa esenziwe ngamanqanaba enkxaso ngexesha elithile: Ngo-2018, iminyaka engama-21 ngaphambi kokuthatha umhlalaphantsi, inyuka kude kube ngo-2022 izakuba yiminyaka engama-25.

Ukuba iminyaka embalwa ibenegalelo kule nkqubo okanye imbali yegalelo yenzelwe iziseko eziphantsi kakhulu, kuthathelwa ingqalelo ngaphezulu kweminyaka eli-15 yokuba ibenakho ukubanelungelo lokufumana ipenshoni yomhlala-phantsi, kukho amathuba aphezulu okuba ipenshini ngomhlala-phantsi, nokuba ingaphezulu, iphantsi. Kwaye kwelinye icala, ukuba imirhumo ibiphezulu kakhulu kwaye ipenshini yomhlala-phantsi ibinikele iminyaka emininzi, iyakuba phezulu kakhulu. Inkqubo ke izama ukuqinisekisa ukuba kukho ukwabiwa kwakhona kwengeniso, ukuze ipenshini ephezulu kakhulu ibe nomda kwaye iipenshini ezisezantsi kakhulu zibe nobuncinci.

ubuninzi kunye nepension

Ukuhanjiswa komhlala-phantsi emva kweminyaka engama-65

  • Ngomlingane oxhomekeke kuye, lilingana nexabiso leenyanga ezingama- € 788,90 kwaye ngonyaka ukuya kwi- € 11.044,60.
  • Ngaphandle komlingane kulingana nenani lama-693.30 ngenyanga kunye ne-8.950,20 ngonyaka.
  • Ngomlingane ongxhomekekanga kuye, ngama-606,70 ngenyanga kunye ne-8.593,89 ngonyaka.

Ulwabiwo lomhlala phantsi ngaphambi kweminyaka engama 65

  • Ngomlingane oxhomekeke kuye, lilingana nemali yenyanga engama-739,50 kunye ne-10.353,00 ngonyaka.
  • Ngaphandle komlingane kulingana nenani lama-598,00 ngenyanga kunye ne-8.372,00 ngonyaka.
  • Ngamaqabane angaxhomekekanga kubo, angama-565,30 ngenyanga kunye nama-7.914,20 ngonyaka.

Ukuhanjiswa komhlala-phantsi ngenxa yokukhubazeka okunzima

  • Ngomlingane oxhomekeke kuye, lilingana nemali yenyanga eyi-1.183,40 kunye ne-16.567,60 ngonyaka.
  • Ngaphandle kweqabane lilingana ne-959,00 ngenyanga kunye ne-13.426,00 ngonyaka.
  • Ngomlingane ongxhomekekanga kuye, yi-910,10 ngenyanga kunye ne-12.741,40 ngonyaka.

Ukuthatha umhlala-phantsi ngenxa yokukhubazeka kakhulu

  • Ngomlingane oxhomekeke kuye, lilingana ne-1.183,40 ngenyanga kunye ne-16.567,60 ngonyaka.
  • Ngaphandle kweqabane elithembekileyo, ngama-959,00 ngenyanga kunye ne-13.426,00 ngonyaka.
  • Ngamaqabane angaxhomekekanga kubo angama-919,10 ngenyanga kunye ne-12.741,40.

Ulwabiwo lomhlala-phantsi ngenxa yokukhubazeka ngokusisigxina

  • Ngomlingane oxhomekeke kuye, zingama-788,90 ngenyanga kunye ne-11.044,60 ngonyaka.
  • Ngaphandle komlingane, zingama-639,39 ngenyanga kunye ne-8.950,20 ngonyaka.
  • Ngaphandle komlingane ongaphathanga, zingama-606,70 ngenyanga kunye ne-8.493,80 ngonyaka.

Ulwabiwo lomhlala-phantsi ngenxa yokukhubazeka okusisigxina

  • Ngomlingane oxhomekeke kuye, zingama-739,50 ngenyanga kunye ne-10.353,00 ngonyaka.
  • Ngaphandle kweqabane, lilingana ne-598,00 ngenyanga kunye ne-8.372,00 ngonyaka.
  • Ngomlingane ongxhomekekanga kuye, ngama-565,30 ngenyanga kunye ne-7.914,20 ngonyaka.

Elona xabiso lincinci lokusasaza umhlolokazi

Ngabantu abaxhomekeke kusapho, lilingana ne-739,59 ngenyanga kunye ne-10.353,00 ngonyaka.
Ngeminyaka engama-65 okanye ukukhubazeka, bangama-639,30 ngenyanga kunye nama-8.950,20 ngonyaka.
Phakathi kweminyaka engama-60 nama-64, bangama-598,00 ngenyanga kunye nama-8.372,00 ngonyaka.
Ngaphantsi kweminyaka engama-60, zingama-484,20 ngenyanga kunye ne-6.778,80 ngonyaka.

Umhlala-phantsi omncinci omncinci ngo-2017

  • Kwiminyaka engama-65, kunye neqabane elalixhomekeke kuye, yayiyi- € 786,90 ngenyanga. Ngaphandle kweqabane elalixhomekeke kulo, yayiyi- € 637,70 ngenyanga. Ngomlingane ongxhomekekanga kuye, yayiyi-605,10 ngenyanga.
  • Ukuthatha umhlalaphantsi phantsi kweminyaka engama-65 yobudala kwakulingana, kunye neqabane elixhomekeke kulo, le- € 737,60 ngenyanga. Ngaphandle kweqabane, yayiyi- € 589,36. Ngomlingane ongxhomekekanga kuye, yayiyi- € 563,80 ngenyanga.
  • Ngeminyaka engama-65 yokukhubazeka okukhulu, kunye neqabane elixhomekeke kuye, yayili-1180,40 ngenyanga. Ngaphandle komlingane, yayiyi-956,50 kwaye kunye neqabane elingaxhomekekanga kuyo, yayiyi-907,70 ngenyanga.
  • Kwelinye icala, umda wengeniso yonyaka yesongezelelo esincinci, ngaphandle kwepenshini ibandakanyiwe, yayiyi- € 7.116,18 ngaphandle kweqabane kunye ne- € 8.301,10 neqabane elixhomekeke kulo.

Ubuninzi bepenshini yomhlala-phantsi ngo-2018

ipension iphezulu

Kwi 2018, elona xabiso liphezulu lomhlala-phantsi ngama-36.121,82 euros ngonyaka. Ukuba kufunyenwe iipenshoni ezimbini, isambuku sazo asinakuba ngaphezulu komlinganiselo ophakamileyo.

Njengoko kukho umhlala-phantsi kwangoko, ukongeza kwifayile ye- ukunciphisa ukungavumelani kwesiseko soLawulo kwangaphambili, Isixa esivela kwipenshini asinakho ukugqitha isixa esivela ekunciphiseni ubuninzi be-0.50% kwikota nganye. Ke ngoko, owona mhlalaphantsi uphezulu unokufikelelwa ukuba imveliso iqala kubudala obuqhelekileyo.

Nangona kunjalo, umda omiselweyo wepenshini ungagqithwa xa kukho isongezelelo sokubeleka, esonyuka ukusuka kwi-5% ukuya kwi-15% kuxhomekeke ekubeni inani labantwana li-2, 3, 4 okanye nangaphezulu nangokwandisa ubomi bokusebenza ngaphezulu komhlala-phantsi osemthethweni. ubudala bokuba ukufikelela kwipenshoni yomhlala-phantsi kwenzeka kubudala obungaphezulu kobudala obuqhelekileyo, kwaye ngenxa yesi sizathu ipesenti eyongezelelweyo iya kuqatshelwa kunyaka ngamnye wegalelo kwixesha eliphakathi komhla wokufikelela kuloo minyaka kunye nesehlo esidala ipenshoni. .

Inqaku elidibeneyo:
Ungasihlangula njani isicwangciso sepenshini?

Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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