Uyifumana njani eyona pension iphantsi xa uthatha umhlalaphantsi?

abahlala phantsi Enye yezona mfuno ziphambili zokufumana ipenshoni enegalelo kukuba ube negalelo ubuncinci beminyaka eli-15 ngembali yomsebenzi womenzi-sicelo. Nangona kunjalo, enye yeengcinga ezinokuthi zenzeke kukuba umntu odla umhlala-phantsi akazokufika kweli thuba lomrhumo. Ukuya kwinqanaba lokuba zinokulingana iminyaka embalwa kakhulu-okanye iinyanga- ukufumana olu qwalaselo ngexesha lokuthatha kwakho umhlala phantsi. Ukuba bekunjalo, ngekhe ulahlekelwe yinto yonke kuba inokuvelisa loo minyaka okanye iinyanga oshiye ukuzicaphula ngokwahlukeneyo buchule ukuba siza kukuveza kweli nqaku.

Ngayiphi na imeko, ukuba awunayo Iminyaka eli-15 yoluhlu Ipenshini echazwe njengegalelo ayinakuqokelelwa. Endaweni yoko, banokufikelela kuphela kwimali yomhlala-phantsi engenakho ukuba bahlangabezana noluhlu lweemfuno, phakathi kwazo oku kulandelayo kuvela: Kufuneka kubekho iminyaka emibini ubuncinci igalelo kwisithuba seminyaka eli-15 ngaphambi kokuveliswa kwale ngeniso yomntu. Kwaye ngoku sele ufikelele kwiminyaka eyi-65 ubudala, kwaye ukusukela kunyaka we-2027 iya kunyuka iye kwiminyaka engama-67 kwaye iqhubeke.

Ukuba zonke ezi mfuno zifezekisiwe, uya kubanakho ukufikelela kubuncinci benxaxheba yepenshoni. Apho ukusukela kulo nyaka bakhule baba ngaphezulu kwama-euro angama-700, nangona kuthathelwa ingqalelo uthotho lwee-caveats ezinje ngezi zichazwe ngezantsi:

  • Umhlala-phantsi womntu oneminyaka engama-65 okanye ngaphezulu
  • Kwimodareyitha kunye neqabane elixhomekeke kuwe, i-810,60 euro. Ngaphandle komlingane, i-euro ezingama-656,90. Ngamaqabane angaxhomekekanga kwi-euro ezingama-623,40.
  • Ipenshoni yomhlalaphantsi yomntu ongaphantsi kweminyaka engama-65 ubudala
  • Kwimodareyitha kunye neqabane elixhomekeke kuwe, i-759,90 euro. Ngaphandle komlingane, i-euro ezingama-614,50. Ngamaqabane angaxhomekekanga kwi-euro ezingama-580,90.

Ayifikeleli kwiminyaka edwelisiweyo

lo ndolozo Kuyo nayiphi na imeko, kwaye ekucingeni ukuba umsebenzi akafikanga kwisabelo seminyaka eli-15 esetyenzisiweyo kwaye wafaka isandla, kufuneka asebenzise uthotho lweefomyula ukuzalisa loo minyaka imbalwa isaseleyo ukuthobela iimfuno zangoku zomhlala-phantsi. Iyakuba sisisombululo ekuphela kwaso ukufikelela kweli nqanaba lobomi ngentlawulo yepenshini enganeno okanye engaphantsi. Apho kwezinye iimeko, akuyi kubakho lunye unyango ngaphandle yandisa ubomi bokusebenza kude kube kufezekiswe iinjongo zaba bantu. Kungenxa yokuba ukuba akunjalo, baya kunyanzeliswa ukuba bafune uncedo lwentlalontle olungagqithiyo kwi-400 ye-euro ngenyanga nganye.

Ngesi sizathu kubaluleke kakhulu ukucwangcisa eli nqanaba libalulekileyo lobomi kwaye ngale ndlela akukho nto ibhetele kunokucela i Imbali yokuqeshwa phambi kwabasemagunyeni olawulo. Iya kubonakala yonke intshukumo kunye nayo yonke iminyaka oyisebenzileyo nkqu nakwezona nkcukacha zincinci. Olu luxwebhu ekulula kakhulu ukulifumana kwaye simahla. Kwiintsuku ezimbalwa uza kuba nakho ukusondela ukuze wazi ukuba yeyiphi kanye imeko yobomi bomsebenzi wakho ukuba ugxile ngakumbi kumzuzu wokuthatha umhlalaphantsi.

Ubuncinci bepenshini: ephezulu njengokuzimela

Ukuba uneminyaka embalwa okanye iinyanga ezimbalwa ukuba ulungele ukufumana ipenshoni, esinye sezisombululo onazo gcwalisa lo msantsa womsebenzi ukubhalisa njengomsebenzi oziqeshileyo kunye nexesha olifunayo kude kube ufikelela kwiminyaka eli-15 ubudala. Kuya kufuneka uhlawule umrhumo wenyanga nganye ngesibonelelo osifunayo, nangona kufanele uyazi ukuba oku kuphezulu, kokukhona isixa semali sepenshoni yakho elandelayo. Eli nyathelo linokuqhutywa ixesha elide njengoko ufuna, ukusukela kunyaka nje omnye ukuya kuthi ga kwinqanaba eliphezulu ngokuxhomekeke kwiimfuno zakho zokwenyani zomhlala phantsi.

Kwelinye icala, ngeli xesha unokuxhamla kwixabiso eliphantsi labasebenza ngokukhululekileyo kwaye oko kuya kuthetha ukuhlawula isixa Ama-euro angama-50 ukuba abhaliswe njengomntu ozisebenzelayo. Ngale ndlela, ukusukela nge-1 kaJanuwari, i-2018, ixesha lokuncitshiswa komrhumo wama-50 euros kubantu abatsha abazisebenzelayo landisiwe laya kwiinyanga ezilishumi elinambini, endaweni yesithandathu ukuza kuthi ga ngoku. Ukwandiswa komrhumo ocitshisiweyo kubantu abaziqeshileyo abenza okanye abaphinda benze umsebenzi ocwangcisiweyo kwiakhawunti yabo kwenziwa ngoguqulelo kwigama lenqaku le-LETA.

Akukho kukhutshwa kule minyaka mibini idlulileyo

Ngokuchasene noko, kunyanzelekile ukuba uthathe ingqwalaselo ukusukela ngoku ukuya phambili ukuze uzuze kule nqanaba licaba awunyanzelekanga ukuba ubhaliswe njengomntu oziqeshileyo kule minyaka mibini idlulileyo (ezintathu ukuba kunokwenzeka ukhe wanandipha ibhonasi). Umthetho wohlengahlengiso olukhawulezileyo lokuzenzela umsebenzi ulifinyezile ixesha ukusuka kwiminyaka emihlanu ukuya kwemibini yokuziqeshela umsebenzi omtsha, ngaphandle komntu ozisebenzelayo ogcina imfuno yokuqala yeminyaka emihlanu.

Ngokumalunga nesixa sayo, kufanele kuqatshelwe ukuba inyusa ngokuqhubekayo kunye nangaphezulu kweenyanga. Inani lereyithi ethe tyaba liyahluka kuzo zonke iinyanga zokuqala zomsebenzi, apho uyakufumana amacandelo amathathu okuphungula kwisiseko esisezantsi segalelo kwaye zezi zilandelayo silityhila apha ngezantsi:

  • Iinyanga ezili-12 zokuqala: 50 euro kwimeko yokucaphula iziseko ezingaphezulu kobuncinci obusekiweyo (i-932 euros).
  • Iinyanga ezili-12 ukuya kwe-18Ukuncitshiswa kwe-50% ngexesha lesemester yesibini, eya kuhlala kwi-139,43 ye-euro ngenyanga.
  • Iinyanga ezili-18 ukuya kwe-24: iya kunyuka de ifikelele kwi I-195,24 euro ngenyanga.

Isivumelwano esikhethekileyo kunye ne-SS

ssEnye indlela yokufikelela kwelona xesha lincinci kumhlala phantsi kukuseka isivumelwano noKhuseleko lweNtlalo. Oku kubizwa ngokuba sisivumelwano esikhethekileyo kwaye sisivumelwano ubhalise ngokuzithandela Ngumsebenzi ngokwakhe kwaye lowo ugqiba kwelokuba ahlawule igalelo loKhuseleko lweNtlalo. Kuyabonakaliswa xa ukhutshiwe kwaye ufuna ukuqala ngokutsha obu budlelwane ukuze ubalwe ngokuthatha umhlalaphantsi. Oko kukuthi, ukuze ube nokufaka igalelo kwakhona ngokwakho kwaye egubungela ukukhubazeka okusisigxina, ukusweleka kunye nokusinda, okuvela kukugula okuqhelekileyo kunye nengozi engekho emsebenzini, umhlala phantsi kunye neenkonzo zentlalo.

Nangona kunjalo, eyona nto iphambili kuyo kukuba ezi ntlawulo ziya kuba zifunwa ngakumbi kunakwinqanaba elisicaba labasebenzi abaziqeshileyo. Ngokwalo mbono, kufanele ukuba ibeyindawo yokugqibela ekufuneka uye kuyo ukuya kuthabatha ipenshini yakho kwiinyanga ezizayo. hayi ngelize, iya kuthetha a umgudu omkhulu wezoqoqosho Ngokuhlawulwa kwezavenge zabo zenyanga. Ithini intlawulo? Ngengqondo, unokukhetha phakathi kweendlela ezininzi, nangona kunjalo unokukhetha isiseko esisezantsi sangoku, njengoko kusenzeka kwizabelo zabantu abaziqeshileyo. Apho, umlingani we-0,94 uya kusetyenziswa kwisiseko segalelo. Kwelinye icala, kufanele ukuba kukhankanywe ukuba ixesha lesi sivumelwano sikhethekileyo liya kunqunyanyiswa ngexesha lomsebenzi.

Kwimeko yokufikelela kwipenshini

ipenshoni Ngezi zindululo zimbini awuyi kuba nalo naluphi na uhlobo lweengxaki ukufikelela kumhlala-phantsi wakho. Yimalini, kwaye emva kohlaziyo lokugqibela lwalo nyaka, ibalwa malunga ne-700 euro rhoqo ngenyanga. Kukho nawuphi na, baya kuxhomekeka kwiimpawu zabafaki zicelo.

Abanini abaneminyaka engama-65:

Ngomlingane oxhomekeke kuye: 10.988,60 euro ngonyaka.

Ngaphandle komlingane (iyunithi yezoqoqosho yomntu omnye): i-8.905,40 i-euro ngonyaka.

Iqabane elingaxhomekekanga kwi-8.449 euro ngonyaka.

Abanini abangaphantsi kweminyaka engama-65:

Ngomlingane oxhomekeke kuye: 10.229,80 euro ngonyaka.

Ngaphandle komlingane (iyunithi yezoqoqosho yomntu omnye): i-8.330 i-euro ngonyaka.

Iqabane elingaxhomekekanga kwi-7.872,20 euro ngonyaka.

Umlungelelanisi ohlawulelwayo

Ngayiphi na imeko, ngeminyaka eli-15 okanye eli-16 yenkxaso, uya kuqokelela kuphela I-50% yesiseko segalelo kwaye ukuba oku bekuphantsi kakhulu, ipenshini inokuba sezantsi kancinci kune-500 euro. Nangona kunjalo, kwezi meko kulungiswa umrhwebi ukuze ipenshoni yakho ibe negalelo elisezantsi. Ngayiphi na imeko, kuya kufuneka uthobele uthotho lweemfuno kwaye enye yezona zibalulekileyo kukuba awunayo ingeniso yonyaka engaphezulu kwama-euro angama-7.000 malunga. Kungenxa yokuba kwimeko yokophulwa kweli nqanaba, ipenshini iya kukhutshwa ngokuzenzekelayo kwaye de ulungise ingxaki ngokwanelisayo.

Kwelinye icala, awungekhe ulibale ukuba le pension izakuba yeyakho ebomini bakho. Ngonyuselo, ukuba lukhona, uphononongo olwenziwa minyaka le. Ngaphandle kwalo naliphi na ixesha unokutshintsha okanye uguqule ubungakanani bayo. Yimali engasenakutshintshwa kwaye yiyo loo nto kubalulekile ukuba ucwangcise umhlala phantsi ngolindelo oluthile. Unokwenza isivumelwano semveliso yezemali ukwandisa amandla akho okuthenga ngeli nqanaba lobomi bakho. Umzekelo, iiplani zepenshini okanye iimali zotyalo-mali.

Ngamanye amaxesha, ngezibonelelo zerhafu ezinomdla ukuze uhlawule imali encinci minyaka le. Ukuze ipenshini yakho ibe phezulu. Ngale ndlela, unokukhetha phakathi kweendlela ezininzi, nangona kunjalo unokukhetha isiseko esisezantsi sogalelo, njengoko kusenzeka kwimirhumo yabazimeleyo. Apho, umlingani we-0,94 uya kusetyenziswa kwisiseko segalelo.


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

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
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