Emva kwe Ukuhlaziywa kwepenshini, Sele ungafumana umhlala-phantsi ongcono kubantu abazisebenzelayo, nangona kunjalo, uyinto entsha nangoku, abantu abaninzi abayazi ukuba yintoni ipenshini ehambelana nomntu ngamnye ukuba uyazisebenza.
Kwenzeka ntoni xa umntu ozisebenzelayo efikelela kwiminyaka yobudala yomhlala-phantsi
Xa umntu ozisebenzelayo efikelela kwiminyaka yobudala yomhlala-phantsi, bahlala befumana ipenshini, nangona kunjalo ipenshini ingaphantsi kancinci Ngaphezu kwabantu abebesebenza kulawulo lwentlalo.
Le pension imalunga ne-465 euro ngenyanga. Esona sizathu soku kukuba Uninzi lwabantu abazisebenzelayo banegalelo phantsi kwesiseko esisezantsi Ukuze uhlawule imali encinci kangangoko ngexesha lokudweliswa kobomi bakho bonke. Le yinto elula, isixa esincinci osibhatalayo ngexesha lemirhumo yakho, isixa semali esincinci oza kusifumana xa kufikelelwa ekuqokeleleni ipenshoni.
Ngaba kuyacetyiswa ukuba ucaphule kancinci?
Lo ngumbuzo abaninzi abanawo abantu abasebenza njenge freelancers. Kuyinyani ukuba ucaphula kangangoko unakho, ebomini bakho bonke kuya kufuneka uhlawule isixa esisezantsi kakhulu, oko ke kuthintela ukuba ushiye phantse wonke umvuzo wakho iintlawulo zokhuseleko loluntu. Ikrele elintlangothi-mbini nangona, nje ukuba ufike Ixesha lokuthatha ipenshini, unepenshoni esezantsi amaxesha amaninzi angakunikiyo ukuze uphile.
Isitshixo kukuthengisa phezulu ubuncinci iminyaka eyi-15 ukuya kwengama-25 ngaphambi kokuthatha umhlala phantsi ukuze kuthi xa kufika ixesha lokuba qokelela ipenshoni singaba nesixa esifanelekileyo esivumela ukuba siphile kamnandi.
Injani inkqubo yomhlalaphantsi namhlanje
Ukusukela nge-1 Januwari 2013 apho kwenziwa khona uhlengahlengiso lokugqibela.
Imiqathango yale nkqubo intsha yomhlala-phantsi kubantu abazisebenzelayo isekwe kula manqaku alandelayo.
• Iminyaka yobudala yomhlala-phantsi kubantu abazisebenzelayo kufuneka imiselwe kwiminyaka engama-65 nenyanga enye. Kukholelwa ukuba ngo-2017 ubudala buya kuba ngama-67.
• Kwimeko apho umntu ozisebenzelayo efuna ukuthatha umhlalaphantsi kwangoko ngokuzithandela, unokucelwa kwiminyaka engama-63 ubudala, kodwa kufuneka abeneminyaka engama-35 ubuncinci begalelo.
• Ukufikelela kowona mhlalaphantsi usezantsi, kufuneka ube neminyaka eli-15 ubuncinci unikela
Isixa-mali somntu ngamnye azisebenzelayo siyakuxhomekeka kwiminyaka yemirhumo nakwimali nganye ehlawulwe ngumntu ngamnye.
Ingabalwa njani ipenshini
Emva kohlengahlengiso, inkqubo yokubala ipenshoni entsha isekwe kwimithetho ngokubanzi enjengaleyo yenziwayo echaphazela abanye abasebenzi.
- Ezi zizinto ekufanele ukuba zithathelwe ingqalelo ukuzenza
- Unokukhetha ikhondo elipheleleyo nokhuseleko kwezentlalo. Iyafikeleleka xa iminyaka engama-38 kunye neenyanga ezintandathu inegalelo kukhuseleko loluntu.
- Kuya kufuneka ulazi elona xesha lincinci lokucaphula
- Elona nani lincinci leminyaka lokuba ube negalelo yiminyaka eli-15 kwaye ungafikelela kumhlala-phantsi opheleleyo wokuziqeshela uneminyaka engama-35.
Yimalini ipenshini
Ukwazi i iyonke imali esiza kuyiqokelela, kuxhomekeke kwimali ehlawulwe inyanga nenyanga ngenani leminyaka ihlawulwe.
Isikali esithathelwe ingqalelo sokwenza oku kubalwa kufikelela I-50% ukuba yiminyaka eli-15 kuphela edwelisiweyo ukuya kuthi ga Iipesenti ezi-0 kubantu abenze igalelo ngaphezulu kweminyaka engama-36.
Ngaba igalelo lomsebenzi oziqeshileyo liyonyuka ngokuhamba kweminyaka?
Uninzi lwabantu abazisebenzelayo, ukuze bandise umvuzo wabo xa sele bethathe umhlala-phantsi Yonyusa inani leentlawulo zepenshini emva kweminyaka engama-48. Oku kuyakuthetha ukuba kwiminyaka emi-5 kuphela, ipenshini eya kwamkelwa inokuhamba ukusuka kwi-445.91 euro ukuya kwi-501.44.
Ukuyifumana ipension iphezulu kukhuseleko lwentlaloEmva kweminyaka engama-42, umsebenzi ngamnye kufuneka ahlawule ngenyanga imali engama-500 ukuya kuma-600 euros ngenyanga kwaye abe negalelo iminyaka engama-30 okanye nangaphezulu ngaphandle kokuphazanyiswa.
Ungayifumana uneshishini kwaye uqokelela ipenshoni
Esinye isibonelelo sohlaziyo kukuba i Ipenshini yokhuseleko loluntu kubantu abazisebenzelayo iyahambelana ngokugqibeleleyo kunye nokuba nobunini beshishini.
Zenzele ngokwakho ukubala ipenshini xa uthatha umhlalaphantsi
Ukwazi ukuba yintoni i- Eyona ndlela yokubala ipenshini, Ukhuseleko lwentlalo lunenkqubo ekwi-intanethi ekuvumela ukuba wazi ukuba iya kuba yintoni ipenshoni yakho. Kule meko, into oyifunayo ukufaka yonke idatha eyifunayo, njengamaxesha obhaliso kukhuseleko lwentlalo kunye neziseko zegalelo obukhe unazo kwiminyaka edlulileyo.
Ulufumana njani olu lwazi
Kwimeko apho ungenalo olu lwazi, ungacela olu lwazi ngefowuni kukhuseleko lwasentlalweni okanye ukulijonga kwi-Intanethi.
Ukukhuthaza ukuguga okusebenzayo
Ukunceda abantu emva kokuthatha umhlala-phantsi, elinye inyathelo elamkelweyo ukusukela ngo-2013 kukuba abantu abafumana ipenshoni banakho yenza ipenshini ihambelane nomsebenzi apho bahlawulisa khona ubuncinci ama-50% omhlala-phantsi. Ngenxa yoku, umntu kufuneka abhalise njengomntu odla umhlala-phantsi.
Ngubani olawula iimali kunye nezixa
Ukhuseleko lwentlalo lelona liphetheyo lokuseka unyaka nonyaka lelona lisezantsi nelona liphezulu lomhlala-phantsi. Ubuncinci ngalo mzuzu busethwe kuma-euro angama-484 kunye nobona buphezulu kwi-3.600 euro; nangona kunjalo isicatshulwa ngasinye sahlukile kwaye kukho izithintelo ezininzi ezinokubangela ukuba isixa sibe sezantsi okanye ngaphezulu.
Ukubala kokugqibela
Into yokuqala ekufuneka siyazi yile umvuzo esiwufumene kule minyaka idlulileyo yenkxaso. Kuba yonke ipenshini izakubalwa kuloo datha. Ngexesha leminyaka eli-15 lokugqibela lomsebenzi ocatshuliweyo, umndilili wemivuzo uyathathwa ukuze kufunyanwe isixa. Le mali ayizukubandakanya iintlawulo ezongezelelweyo kwaye akukho hlobo lwentlawulo ngaphandle komvuzo. La manani aza kuhlaziywa ngokusekwe kwi-CPI.
Rhoqo ngonyaka kude kube ngu-2027, isiseko solawulo siya kunyuka ngoko ke kufuneka siphononongwe rhoqo ngonyaka.
Ukubala yile:
Inani leziseko zegalelo umsebenzi athe wanazo kwiinyanga ezili-210 ezidlulileyo lahlulwe ngama-180. Oku kufanekisela iminyaka yokugqibela ye-15 ecatshulwe kwiinyanga ezingama-24 zokugqibela zexabiso lomvuzo wakho kwi-euro.
Nje ukuba isinike iziphumo, kuya kufuneka kusetyenziswe idatha eya kuthi inciphise eli xabiso. Umzekelo, kubantu abathatha umhlala-phantsi ngaphambi kweminyaka engama-65 okanye yabantu abangakhange banikele ngayo yonke iminyaka ezokhuseleko zifuna isixa esipheleleyo somhlala-phantsi.
Ukuthatha ukuba elona nani lincinci leminyaka li-15 leminyaka kwaye lidweliswe kwi-50%. Kwiminyaka engama-20 esebenza iyakuba ngama-65%, kwiminyaka engama-25 iyakusebenza iyakuba ngama-80%, kwiminyaka engama-30 iyasebenza iyakuba ngama-90% ize kuma-35 ukubheka phambili ibe yi-100%.
Umzekelo woku ngowe umntu osebenze iminyaka engama-30 (kuluhlu) ngomvuzo we-1.000 euros, isixa-mali sokugqibela siyakuba yi-900 yeepenshini, nangona kunjalo, ukuba uthe wanikela nge-15 leminyaka yobomi bakho kuphela, isixa sehla saya kwi-500 euro.
Kuya kufuneka ukhumbule ukuba nganye yezi zixa-mali ayilungiswanga, ke ngoko kubaluleke kakhulu ukuba uyiqwalasele rhoqo ngonyaka ukuze wazi ukuba luthini utshintsho kwiziseko zegalelo, ukongeza kunyuso lwemivuzo kwiinkampani.
Bonke abantu abasebenza ngokukhululekileyo banokukhetha iifayile ze uhlobo lwesiseko segalelo Ngegalelo abanalo, nangona kunjalo, kufuneka babazi kakuhle, kuba le yeyona nto izakubenza bafumane izibonelelo okanye bangabinakho kwimeko yokukhubazeka okanye benze ipenshini yabo inyuke nangaphezulu ngemini ekufuneka beyiqokelele. Ubudala obugqibeleleyo bokunyusa intlawulo yakho yepenshini kwaye ukwazi ukufumana isixa esikhulu sezibonelelo emva ko-42.
Ngokomthetho, eminye imida imiselwe ngokubhekisele isiseko semali yegalelo labo bazisebenzelayo Kwaye nakuzo zonke iinguqu ezinokwenziwa kuyo unyaka nonyaka.
Indlela ekukuphela kwayo yokuqikelela iingxaki zangomso kwaye ngakumbi isicwangciso somhlala-phantsi kukubona isixa, sisondele kakhulu kumhla esiza kuthatha umhlala-phantsi ngenxa yotshintsho olwenziwa minyaka le. Iingcali zicebisa ukuba ukuze ube nepateni, olona khetho lulungileyo kukuyibona minyaka le ukuze wazi ukuba siya kuyidinga na ipenshini yabucala okanye hayi.