Impesheni yomfelokazi

Impesheni yomfelokazi

La Impesheni yomfelokazi, kanye nokuthatha umhlalaphansi, yikhona okukhokha kakhulu eSpain. Kepha ababaningi abayaziyo imininingwane yale nzuzo yokunikela. Isibonelo, uyazi ukuthi umufi uqobo kumele ahlangabezane nezinqwaba zezimfuneko zokuthola? Noma ukuthi uma uthola iholo elikhulu kunenani elithile lemali, likwenza ungabi namandla okwenza impesheni yomfelokazi?

Uma siluhlakazile ilukuluku lakho futhi ufuna ukucacisa imibono ngalesi sici, ngezansi sikunikeza lonke ulwazi okufanele ulucabangele ngalo.

Iyini impesheni yomfelokazi

Iyini impesheni yomfelokazi

Impesheni yobufelokazi iqondakala ukuthi iyinzuzo etholwa ngabasindile abanobudlelwano bomshado noma bomthetho ojwayelekile nomufi, inqobo nje uma bobabili behlangabezana nochungechunge lwezidingo.

Ngamanye amagama, impesheni yomfelokazi ngu- imali oyithola njalo ngenyanga lapho izithandani sezidlulile emhlabeni. Kepha, njengoba ezokuphepha uqobo sevele zixwayisa, kufanele kuhlangatshezwane nemibandela eminingi ukuze ube ngumzuzi wayo.

Ubani onelungelo lokuthola impesheni yomfelokazi

Ubani onelungelo lokuthola impesheni yomfelokazi

Njengoba sishilo ngaphambili, kuneziningi abantu abangase bahlomule empeshenini yomfelokazi. Lezi yilezi:

  • Umlingani womshado. Okusho ukuthi, umuntu osaphila uma eqhathaniswa nalowo oshonile futhi abenobudlelwano naye, noma ngabe ubengumlingani ovamile noma umshado osemthethweni.
  • Umlingani wasekhaya. Ngoba lokhu okungenhla kuchaziwe.
  • Ihlukanisile noma ihlukanisiwe.
  • Abantu abanomshado ongenamsebenzi (yize ukuhoxisile, ungathola impesheni yomfelokazi).

Kodwa-ke, bonke kumele bahlangabezane nezidingo ezilandelanayo, njengakumuntu ofile uqobo.

Izidingo okumele kuhlangatshezwane nazo oshonile

Ake siqale ngomuntu oshonile. Ukuze omunye osindile athole impesheni yomfelokazi, kumele bacaphune izinsuku ezingama-500 eminyakeni emihlanu edlule, inqobo nje uma ukufa kwenzeke ngenxa yokugula okuvamile (uma kungenxa yengozi noma isifo somsebenzi, le mfuneko ayicelwa.). Uma kwenzeka bengabhaliswanga kwaSocial Security, impesheni izocubungula ukuthi bazonikela ngeminyaka eyi-15.

Ngokunjalo, uzophinde anikezwe uma ngabe ebenempesheni yokuthatha umhlalaphansi noma okhubazekile unomphela, isibonelelo sokukhubazeka okwesikhashana, ukubeletha, ukubeletha, noma ingozi ngesikhathi sokukhulelwa noma sokuncelisa.

Izidingo okumele ukuthi lowo osindile ahlangabezane nazo ukuthola impesheni yomfelokazi

Endabeni yalowo osindile, okulandelayo kuyadingeka ukuthola impesheni yomfelokazi:

Yiba nezingane ngokufanayo noma, uma ingekho, ukuthi umshado ubuhlale okungenani unyaka owodwa. Kungaba futhi yisimo sokuba nempesheni ekhokhelayo kubantu abahlukene noma abahlukanisile uma bengenawo umshado omusha noma umlingani womthetho ojwayelekile.

Kunamacala amabili aqondile:

  • Bahlukene futhi bahlukanisile. Uma kwenzeka ngaphambi kuka-2008, imfuneko yempesheni ekhokhiswayo iyasuswa (kwenzeka okufanayo uma bebeyizisulu zodlame lobulili).
  • Izithandani empeleni. Kucelwa ukuthi inyunyana okungenani ibe neminyaka emibili, ibe nokuhlalisana okuzinzile okungenani okuyisihlanu, nokuthi imali oyitholayo ayiphezulu kunaleyo yomuntu oshonile, futhi ayimele u-25% wengqikithi yomndeni uma kukhona azikho izingane.

Okokugcina, icala lokuthi imishado kuthiwe ayisebenzi. Uma nje lowo omunye engashadile futhi, ungathola impesheni yomfelokazi ebalwa ngokwesikhathi obusenaso nalowo muntu.

Kubiza malini ngokuba ngumfelokazi

Kubiza malini ngokuba ngumfelokazi

Ngokusho Kwezokuphepha Komphakathi, impesheni yomfelokazi ilingana nama-52% wesisekelo sokulawulwa kwalabo abashonile, ama-60% uma kwenzeka kubantu abangaphezu kwama-euro angama-65 abangenalo ilungelo lokuthola enye impesheni noma umsebenzi, kungaba nge-akhawunti oqashiwe noma ozisebenzayo. Vele, kufanele bahambisane nokuthi imali engenayo etholakala kuzimali ezisuswayo nezisetshenziswa kanye nemali etholakalayo ayidluli kuma-euro angama-7569 ngonyaka.

Kunezimo ezithile lapho I-70% yempesheni yomfelokazi ingafinyelelwa, lapho umuntu oqhubeka ephila enabondli bomndeni noma lapho kunguye kuphela umthombo wemali engenayo.

Ngakolunye uhlangothi, esimweni sabantu abahlukanisile noma abahlukanisiwe, lapho kukhona abazuzi abaningana, kuzoba nokubalwa okulinganayo ngokwendlela abebehlala ngayo nalowo oshonile, okuhlala kuqinisekisa ama-40% wesisekelo sokulawula.

Ngokufigqiwe, amanani wobufelokazi (kukhawulwe ngumthetho (Royal Decree 46/2021, kaJanawari 26)), uyasitshela:

  • Ngaphansi kwama-60s: 522,50 euros ngenyanga kanye ne-7.315,00 euros ngonyaka.
  • Abantu abaphakathi kweminyaka engama-60 nengama-64 ubudala: ama-euro angama-645,30 ngenyanga kanye nama-euro angu-9.034,20 ngonyaka.
  • Abantu abaneminyaka engaphezu kwengama-65 ubudala noma ngaphezulu noma ukukhubazeka okungenani okungama-65%: ama-euro angama-689,70 ngenyanga kanye nama-euro angama-9.655,80 ngonyaka.
  • Abantu abanabantu abebethembele kuye: € 797,91 ngenyanga kanye nengqikithi yama- € 17.460,37 ngonyaka.

Umfelokazi uqoqa maphesenti amangaki empeshenini yomyeni wakhe

Ngokwalokho esesikubonile, kusobala ukuthi umfelokazi uzothola kulokho Impesheni yomfelokazi ngokulahlekelwa ngumyeni wakhe ngama-52% ngokujwayelekile. Kodwa-ke, leli phesenti lingakhuphukela ku-70% uma lihlangabezana nezidingo ezenza ukuthi likwazi ukulinyusa.

Lokho wukuthi, uma unabantu abondla umndeni, impesheni yomfelokazi ukuphela komthombo wemali engenayo futhi imali engenayo yonyaka ayidluli ku- € 17.460,37. Uma kunjalo, inzuzo izokwenyuselwa kuma-70% ayo.

Ngingayilanda yini impesheni yomfelokazi nenye impesheni? Noma umsebenzi?

Umbuzo wabaningi ngothi ngabe impesheni yomfelokazi yenza kungabi khona ukuthola olunye uhlobo lwenzuzo yemali. Kepha empeleni akunjalo. I- Impesheni ihambisana ngokuphelele nemali oyitholile, okungukuthi, ngokuba nomsebenzi owuthola umholo ekupheleni kwenyanga; kunjalo nangempesheni yomhlalaphansi nokukhubazeka unomphela.

Kodwa-ke, uma kwenzeka umshado wesibili, ukugcina impesheni yomfelokazi kwenza kube nzima ukuthola enye impesheni elinganayo ngenxa yokushona kwelungu emshadweni omusha.

Njengoba ukwazi ukubona, impesheni yomfelokazi inamaphuzu athile abalulekile okungenzeka ukuthi yiwo adala ukuthi imali yehluke, noma ngabe iyatholwa noma cha. Empeleni, uma ungabaza, ukubonisana nabezenhlalakahle kungakucacisela izinto ngoba ungaletha icala elithile ukuze bakunikeze impendulo.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.