Apha eSpain, ipenshini yomhlala-phantsi imele malunga nama-80% omvuzo wokugqibela, kuba ngeli nqanaba apho amandla okuthenga ilahleka ngokubanzi. Ngaphandle koku, abathathe umhlala-phantsi bafumana umvuzo ongaphezulu, kabini ngonyaka.
Njengoko sele kukhankanyiwe, xa ixesha lokuthatha umhlala-phantsi lisondela, amandla okuthenga awayenalo mntu kuthethwa ngaye, ayancipha unyaka nonyaka kwaye kwimeko yokungayigcini into ebomini, eli nqanaba liza kubandezeleka ngokwezoqoqosho.
Bonke abo bantu bathathe umhlala-phantsi, kubandakanya abathathe umhlala-phantsi, bafumana ipenshoni yabo, eyenziweyo 14 uhlawula rhoqo ngonyaka. Oku kuthetha ukuba inayo iintlawulo ezimbini ezongezelelweyo, ezihlawuliswa ngokubanzi ngenyanga kaJuni nangoNovemba. Umzimba olawula intlawulo liZiko leSizwe loKhuseleko lwezeNtlalo (INSS).
Le pension ihlawulwa iintlawulo ezihlawulwe emva kwexesha kwaye isixa-mali siya kuxhomekeka kumndilili wemivuzo yeminyaka ngaphambi kokuthatha umhlalaphantsi, kunye nobudala bomhlala phantsi. Isixa seentlawulo ezingaqhelekanga yeenyanga zikaJuni nezikaNovemba ziyafana nezesiqhelo, ke ngezo nyanga uyakufumana imali ephindwe kabini.
Ukufunda ngakumbi malunga nokuba ungaqala nini ukuqokelela ipenshoni yomhlala phantsi, El IZiko leLizwe lezoKhuseleko lweNtlalo Icacisa ngokucacileyo ukuba ifuthe loqoqosho lomhlala-phantsi liza kuqala ukwenzeka, ukusukela ngomhla olandelayo wokuphela kwemisebenzi, Abasebenzi kwimeko yemirhumo ephezulu neqhubekayo. Ukuba imihla ebekiweyo ayifezekiswanga ngokwaneleyo, isicelo singeniswa emva kweenyanga ezintathu, isibonelelo siyakuthi songezwe emva ukusuka kwingxowa-mali ukuya kwiinyanga ezintathu ukusukela kumhla wentetho.
Ukuhlawulwa kweentlawulo ezimbini ezongezelelweyo zenyanga abafumana umhlala-phantsi, kwiimeko zobunzima kunye nokungazinzi kwezoqoqosho, kuye kwanyanzela uRhulumente waseSpain ukuba asebenzise rhoqo imali yepenshini kwaye uya kuqhubeka esenza njalo logama uqoqosho lufuna njalo. Xa uqokelela ipenshoni, kuyacetyiswa ukuba yenziwe kwisebe lebhanki ukunqanda ukuphatha isixa semali esihamba nawe esinokuphelela ekuphangeni abantu abadala nakubantu abangenakuzikhusela.
Ukuba ulixhoba lalo naluphi na uhlobo lokuphanga okanye ubusela, kubalulekile ukuba wazi ukuba kukho i-inshurensi yokukhusela kula matyala, njengale inikezelwa yi-MAPFRE, enika uncedo kumonakalo owufumeneyo, osuka ebusela okanye ukuzama kwayo, ekhaya nangaphandle kwayo, kunye nokutshintsha amaqhaga nezitshixo ezonakeleyo, iindleko zokhathalelo lwempilo nakuphi na ukwenzakala okubangelwe, njl.
Iintlawulo ezongezelelweyo okanye iibhonasi ezingaqhelekanga
Kulo Inqaku lama-31 loMthetho wabasebenzi, kuboniswe ngokucacileyo ukuba Umsebenzi unelungelo lokufumana iibhonasi ezimbini Iintlawulo ezingaqhelekanga zonyaka, enye yazo ngezizathu zeKrisimesi kwaye ifunyenwe njengebhonasi yeKrisimesi, elinye ithuba, ihlawulwa ngenyanga ebekwe sisivumelwano esidibeneyo okanye ngesivumelwano phakathi kwabameli bezomthetho babasebenzi nabaqeshi.
Ngenxa yoko, umthetho uya kuqokelela kuphela njengoko Ibhonasi yeKrisimesi engaqhelekanga, enye ixhomekeke ngokupheleleyo kuthethathethwano kwisivumelwano esidibeneyo. Ngokufanayo, inqobo yenkampani kunye nezivumelwano ekufikelelwe kuzo kukuba enye intlawulo yenziwa ngenyanga kaJuni, kungqamana nomhla wokuqala wexesha leholide, ukwahlula ezi ntlawulo xa kubonwa kufanelekile.
Unciphiso
Iintlawulo ezongezelelweyo azicatshulwanga Kananjalo, kodwa banerhafu yokubamba ebekwe yirhafu yengeniso yomntu. Inyaniso kukuba ayisiba bangenzi galelo, kodwa kukuba sele ubanika igalelo kuzo zonke iinyanga ozisebenzileyo.
Umsebenzi ngamnye wenza igalelo kuKhuseleko lweNtlalontle, ngokuzenzekelayo inyanga nenyanga, ngokuxhomekeke kumvuzo wakhe ochithwe kumvuzo wakhe. Oku kuncitshiswa kwenziwa ngokususelwa kumvuzo ohlawulwa ngenyanga, oku kuthetha ukuba inyanga nenyanga, isixa esithile sibanjiwe kumvuzo wakho, kunye nemiba yoku: iimeko eziqhelekileyo, intswela-ngqesho kunye noqeqesho lomsebenzi ngokungathi umvuzo wakho sele unawo, uhlawule umvuzo ongezelelweyo.
Yongezwe kule, Ukubamba iRhafu kuBantu, eyaziwa njengerhafu yengeniso yomntu, kodwa oku kwenziwa ngendlela eyahlukileyo kuba yipesenti yoluhlu olusebenzayo lwenyanga leyo, ngaphandle kokuthathela ingqalelo umvuzo ohlawulelweyo.
Ukuqukumbela, xa umsebenzi efumana enye yeentlawulo zakhe ezongezelelekileyo, kuya kufuneka ekhuphe irhafu yengeniso yakhe, kuba igalelo loKhuseleko lwezeNtlalo belixolelwe ngokulihlawula ngaphambili.
Ulwabiwo
Kulo Ingxelo yabasebenzi ibonisa ukuba kunokuvunyelwana ngayo kwisivumelwano esidibeneyo, ukuba iibhonasi ezingaqhelekanga zenziwe zarhoxiswa ngezavenge ezilishumi elinambini zenyanga. Umqeshi akanakuzenzela isigqibo, ulwabiwo lweentlawulo ezingaqhelekanga eziqokelelwe kwiintlawulo zenyanga ezili-12, nangona kunjalo, intlawulo ebambekayo yeebhonasi ezingaqhelekanga ithathwa njengesebenzayo kunye nenkululeko xa ezi zinto zivela kwisivumelwano somntu kwaye kwisivumelwano sonke Cinga ngesithintelo.
Kwimeko apho iibhonasi ezingaqhelekanga zilungisiwe, Kufuneka zichazwe ngokucacileyo kwaye zahlulwe kwimivuzo, ukuba akunjalo, umsebenzi uya kuba nelungelo elipheleleyo lokwenza ibango lesixa-mali esifuna ukuhlawulwa ngokupheleleyo.
Ukongezwa
El ukongezwa kweentlawulo ezingaqhelekanga ngonyaka, ngokubanzi, ngaphandle kokuba isivumelwano sangaphambili siyakuguqula oku. Oku kuthetha ukuba iibhonasi ezingaqhelekanga ziveliswa ukusukela ngomhla wokuhlawulwa kwenguqulo yabo yangaphambili. Ekupheleni kwesicatshulwa uya kufumana umzekelo wendlela yokongeza ngokucacileyo.
Intlawulo yokukhubazeka okwethutyana
Isixa se izinto ezongezelelweyo Iyancitshiswa ngokomlinganiso wexesha apho umsebenzi ahlala ekwimeko yokukhubazeka okwethutyana. Kungenxa yokuba ubalo lwe isibonelelo sokukhubazeka okwethutyana, yenziwe ngokusekwe kwisiseko segalelo kwizinto ezingxamisekileyo eziqhelekileyo, le nto sele ibandakanya iintlawulo ezingaqhelekanga. Oku kuthetha ukuba xa siphumile ngenxa yokugula okanye ukonzakala okuqhelekileyo, intlawulo yenziwa ngokusekwe kumvuzo wethu opheleleyo wenyanga, ngokwenza iibhonasi ezingaphezulu kuso.
Kwangokunjalo, ukukhubazeka okwethutyana kunokuthathelwa ingqalelo sisivumelwano somntu okanye ngesivumelwano esidibeneyo njengomsebenzi owenziwe ngobuchule ngenjongo yokufumana kwiintlawulo ezingaqhelekanga kwaye ngenxa yoko, akukho mali kufuneka icuthwe.
Intlawulo kwindawo yokuhlala
Oku kwenzeka xa Umsebenzi uphelisa ubudlelwane bakhe bokuqeshwa nenkampani, Nokuba kungasiphi isizathu sokumka kwakhe, owayesakuba ngumqeshwa unelungelo kwinxalenye yeebhonasi ezingaqhelekanga ezihambelana naye ngexesha lokugxothwa okanye lokushiya inkonzo, ekufuneka intlawulo ibonakaliswe kwaye ichithwe kuxwebhu lokugqibela lwesivumelwano, Kunye nezinye iikhonsepthi.
Umzekelo wokubala
Umsebenzi uqeshwe ngoFebruwari 1, 2016, ngomvuzo wonyaka wama-28.000 eerandi osasazwa ngokulinganayo kwiintlawulo ezili-14, kunye neentlawulo ezimbini ezingaqhelekanga ezihlawulwe ngoJuni nangoNovemba ngemali yonyaka. Masithi namhlanje ngu-Agasti 1, kulo mzekelo siza kujonga, yeyiphi intlawulo ethe xhaxhe oyifumeneyo ngoJuni, kwaye yeyiphi inxenye yentlawulo engaqhelekanga oyenzileyo ukuza kuthi ga ngoku.
- Umhla wokubhalisa: ngoFebruwari 1, 2016
- Umvuzo wonyaka: € 28.000
- Umvuzo wentlawulo nganye: € 2.000
Ukongezwa kweentlawulo ezongezelelweyo zonyaka:
Into yokuqala ekufuneka uyenzile ukubala intlawulo eyongezelelweyo ehlawulwe ngoJuni. Le ntlawulo yaqala ukuveliswa nge-1-7-2015 oko kukuthi, ngoJuni wonyaka ophelileyo, kodwa okoko umqeshwa ebeqeshiwe de kube ngumhla we-1-02-2016, khange iveliswe ngokupheleleyo, kodwa yinxalenye yayo kuphela:
Inani leentsuku ezidlulileyo phakathi kwe-1-02 ukuya kwi-1-07 = 150
Inani elihlawulwe ngoJulayi ngu (Inani lentlawulo eyongezelelweyo x Inani leentsuku ezidlulileyo) / Inani leentsuku ezipheleleyo zonyaka = 2.000 * 150/360 = € 833,33.
Okwesibini, kuya kufuneka ubale inani elilinganayo leebhonasi ezongezelelweyo ezivelisiweyo ukuya kuthi ga ngelo nqanaba:
- Ukuhlawula ngoNovemba = 2.000 * 180 iintsuku / 360 = € 1.000
- Intlawulo yenyanga kaJulayi = 2.000 * iintsuku ezingama-30/360 = € 166,67
Imeko yomsebenzi ngo-Agasti 1 yile:
- Umsebenzi ufumene umvuzo (ngoFebruwari-Julayi): € 12.000
- Umsebenzi ufumene njengentlawulo engaqhelekanga isixa se-: 833,33.
- Umsebenzi uqokelele, kodwa akafumananga ntlawulo zingaqhelekanga: € 1.166,67.
- Kwisixa esipheleleyo, umsebenzi uvelise inani: 833,33 + 12.000 + 1.166,67 = € 14.000. Nangona kunjalo, inkampani ihlawule i- € 12833,33 kuphela, ishiya enye ilindile.
Kuthekani ukuba umsebenzi uneebhonasi ezingaphezulu?
Umsebenzi kufuneka ahlawulise isixa esilinganayo, nokuba ngaba intlawulo yakhe eyongezelelweyo icwangcisiwe, ngenxa yoko, iziphumo kufuneka zilingane:
- Umvuzo wonyaka: € 28.000
- Umvuzo wenyanga: € 2.333,33
- Umvuzo ofunyenwe ngenyanga kaFebruwari-Julayi = 6 * 2.333,33 = € 14.000