Uneminyaka emingaki okufanele unikele ukuqoqa impesheni encane?

ukucaphuna Lapho kufika isikhathi sokuthatha umhlalaphansi, kuvela ukungabaza kokuqala maqondana nokuthi ngabe sizobe sinikele ngeminyaka eyanele yini ukuba sibe ngabemukeli bempesheni enikelwayo. Leli qiniso lizokhiqiza ukuthi eminyakeni yegolide singathembela emholweni ojwayelekile minyaka yonke lapho singahlangabezana khona nezindleko zezidingo zethu. Ukulahla lokhu okubalulekile, i- UMgcinimafa Wezokuphepha Komphakathi Izokunikeza lonke ulwazi mayelana nesimo sakho sokuqashwa. Ukufika ezingeni lokuthi uzokwazi ngokuthembeka okuphelele uma uzojabulela la manani nangaphansi kwaleyo mali. Uma kwenzeka ungabaza, ngeke ube nenye indlela ngaphandle kokuxhumana nalo mzimba ukuwacacisa kahle.

Kulula kakhulu okokuqala ukuthi wehlukanise okuyizimpesheni ezinikelayo kunalezo ezingekho. Ngoba izindlela zabo zihluke ngokuphelele nokuthi iqiniso lokuthi awukwazi ukufinyelela ezokuqala ngeke kukuvikele ekubeni ngumamukeli wezinganikeli. Ngoba le nketho izoncika kwifayela le- iminyaka oyicaphune kuwo wonke umsebenzi wakho noma umsebenzi wakho. Akumangalisi ukuthi umehluko kumanani ubaluleke kakhulu lapho kufika isikhathi sokuthatha umhlalaphansi kuwe emsebenzini.

Yebo, izimpesheni ezinikelayo ziyizinzuzo zezomnotho futhi ukunikezwa kwazo ngokuvamile kuncike ebudlelwaneni bezomthetho bangaphambilini Nezokuphepha Komphakathi. Ongeke ube nesinye isixazululo sokunikela ngesikhathi esincane sokunikela. Phakade kusuka eminyakeni eyi-15 yeminikelo emlandweni wakho wonke ohlobene nomsebenzi. Ngenkathi kuphambene, impesheni enganikeli iyahluka ngokuthi ngeke kudingeke ukuthi ube nayo kucashunwe ngaphambili. Ungabathola ngaphandle kokusebenza empilweni yakho yonke.

Inani eliphansi lempesheni

Isici sentshisekelo enkulu sizosuselwa kulokho okuzoba umkhawulo omncane ozowuthola lapho lesi sigaba sempilo yakho sifika. Ngalesi sikhathi, impesheni encane ihlotshaniswa nemithetho yonyaka yokubuyekezwa kwempesheni. Emasontweni ambalwa edlule inani lalo lavuselelwa ukuze abantu asebethathe umhlalaphansi babhekane nokwenyuka kwamanani akhonjiswe enkombeni yamanani abathengi (CPI). Esinye isici okufanele usicabangele yilokho zisatshalaliswa ngezinkokhelo zenyanga eziyi-14. Lokho wukuthi, okungeziwe okubili ozokukhokhisa ezinyangeni zikaJuni nangoDisemba futhi lokho kuzokwenziwa njengezinkokhelo ezingavamile.

Ngalo mqondo, izabelomali zango-2018 zifaka phakathi ukuvuselelwa kwempesheni ngo-0,25% futhi, ngaphezu kwalokho, izinyathelo ezintsha ezibhekiswe kuzo nyusa impesheni ephansi kakhulu zizothinta abahola impesheni ababalelwa ezigidini eziyisithupha. Ukusuka kulesi simo, uMnyango Wezezimali ubala ukuthi ukwenyuka okujwayelekile kwezimpesheni eziphansi, ngokunyuka kwama-euro angama-6 futhi kufinyelela inani elifinyelela kuma-euro ayizigidi ezingama-250. Ngokukhuphuka okuphakathi kwama-euro angama-12.040. Ngokwenzayo kuzosho ukwanda ngo-100% kumaphensheni amancane. Ngenkathi kunjalo, impesheni yobufelokazi izokhuphuka ngo-3%, okungukuthi, iphesenti elilodwa lingaphansi. Ukuze ngale ndlela, bathole inani lama-euro angama-2 ngaphezulu ngonyaka.

Uma impesheni ingatholakali?

impesheni Kunoma ikuphi, kunesidingo esibalulekile sokuqoqa lolu hlobo lwempesheni esemthethweni. Akukho okunye ngaphandle kokunikela ngeminyaka eyi-15 emsebenzini wakho noma empilweni yakho yobungcweti. Ukube bekungenjalo, ubungeke ube nelungelo lokuthola umbono wale mali. Ngisho nempesheni encane noma ngabe unikela kangakanani kwezinye izinhlobo zokuqinisekiswa. Kulesi simo esithile, awunaso esinye isixazululo ngaphandle kokuya kuzimpesheni ezinganikeli, ezenziwe ngaphansi kwemingcele ehluke ngokuphelele futhi engahlangene nakancane naleyo obukade uyihlelile kwasekuqaleni.

Ngalo mqondo, impesheni engakhokhi ithwala imali egcwele engama-euro angama-5136,6 minyaka yonke. Yize nawe unamanani angadlulwa futhi lawo angama-euro ayi-1284,15 ngonyaka. Inani elihloselwe abantu abanikezela ngezici ezilandelayo:

  • Kufanele ube nefayela le- ubuncane beminyaka engama-65 futhi ongayimangalela kuyo nganoma yisiphi isikhathi empilweni yakho.
  • La uzohlala ngokusemthethweni eSpain. Isikhathi esincane okungenani iminyaka eyishumi yokuhlala. Okuthi, ezimbili zazo kumele ngabe zazivele ngaphambi kosuku lokufaka isicelo sempesheni engakhokhi futhi ngaphandle kokuphazamiseka.
  • Kufanele empeleni entula imali. Ngalo mqondo, uzohlanganiswa naleli qembu lomphakathi lapho umholo wakho wonyaka ungeqi ama-euro ayi-5.136,60.

Iminyaka yokuthatha umhlalaphansi

Kuzobaluleke kakhulu futhi ukuthi ubheke ukuthi uneminyaka emingaki lapho ungathola khona umhlalaphansi onikelwayo. Yebo, lesi sikhathi sinjalo Kusebenze iminyaka engama-67 neminyaka engama-37. Ungakwazi futhi ukwenza le nqubo uneminyaka engama-65, noma ngabe ukuqoqa impesheni ephelele, okungukuthi, i-100%, kuzodingeka ngokuphelele ukuthi uneminyaka engama-38 nezinyanga eziyisithupha zeminikelo. Ngoba uma kungenjalo, inani lizokwehla kakhulu ngokuqhathaniswa nezibalo zangaphambilini. Akumangalisi ukuthi isimo sakho ngeke sanelise kangako uma ukhetha ukwandisa isikhathi esinqunyiwe. Kuze kube seqophelweni lokuthi kufanele uhlole ukuthi kulungile yini kuwe ukuthi uthathe lesi sinyathelo esimweni sakho somsebenzi kusukela manje kuqhubeke.

Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ungafanelekela ukuthola imihlomulo yokungasebenzi ngaphambi kwesikhathi sokuthatha umhlalaphansi. Esinye sezici zalesi simo ukuthi isikhathi osikhokhisela sona inzuzo yokungasebenzi kuzobe kukucaphuna ngesilinganiso sokukhokhwa ozodingeka ukusiqoqa eminyakeni embalwa kamuva. Ngandlela thile, yilokhu okuvamise ukwenzeka nge-ERE ukuthi ingxenye enhle yezinkampani kuleli isebenza. Kuyindlela eyamukelwa ngabasebenzi ukuze ekugcineni babe sesimweni esingcono sokuthola impesheni enhle yeminyaka yabo yegolide.

Ukuqhubeka kwempesheni

ukulondoloza Vele akunjalo, uma ufuna ukuthola impesheni encane, ngeke ube nenye indlela ngaphandle kokuthi unikele iminyaka eminingi empilweni yakho yokusebenza. Uma zanda, kuzoba ngcono ngezintshisekelo zakho. Phakathi kwezinye izizathu ngoba kuzofaka inani lempesheni elifuna kakhulu. Ngezilinganiso ezizohamba kuya ngeminyaka esetshenzisiwe. Ukusuka kulesi simo esivamile, uzoba nentshisekelo yokuthi impilo yakho yomsebenzi ikhuliselwe emazingeni aphezulu. Futhi maqondana nabasebenzi abazisebenzayo, kuzodinga ukuthi phakathi neminyaka yokugcina yempilo yakho yokusebenza kususelwe kwisisekelo seminikelo ebanzi. Hhayi kusuka kubuncane bama-euro angama-300 abanye balaba basebenzi abazisebenzelayo abasebenza ngawo.

Futhi kungakhohlwa ukuthi enye imfuneko yokuthi uqoqe impesheni kusukela manje kuxhomeke ekutheni kuzodingeka unikele okungenani iminyaka emibili phakathi neminyaka engu-15 edlule. Lesi sici sibalulekile kuze kube seqophelweni lokuthi kunabasebenzi abathile abangasinaki lesi sici. Hhayi ize, ingaveza enye inkinga yokuqoqwa komhlalaphansi wabo. Ngakho-ke, kulula kakhulu ukuthi ubheke lesi sici ngezikhathi zokugcina zempilo yakho yokusebenza. Ukuze ungakwazi ukudlala okwedlule okubi ngezikhathi ezibucayi kakhulu zobudlelwano bakho nezwe lomsebenzi. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe ukubala ukuthi umhlalaphansi wakho uzoba yini lapho ekugcineni uyeka ukusebenza.

Okunye ukucatshangelwa kokuhlola

Uma ungafuni izinkinga ezeqile ukubhekana nokuthatha umhlalaphansi, kufanele ubuze izinhlangano ezisemthethweni ukuthi siyini isimo sakho sangempela maqondana neminyaka yokunikela. Itiye izonikeza ukubalwa okucishe kube yilokho okufanele ukuqonde ngaleyo minyaka. Ukuze ukwazi ukukhetha iminyaka elungile kunazo zonke ukuqeda impilo yakho yokusebenza ngaphambi kokuqoqa impesheni enikelayo. Komunye umthambo, ukufuna izinsizakalo ze-ejensi kuzophinda kusebenze lo msebenzi ngomphumela onganelisa kakhulu kulindelo lwakho siqu.

Uma ngasizathu simbe, uthola ukuthi impesheni ozoyiqoqa incane, uhlala unenketho yokukhetha uhlelo lokuthatha umhlalaphansi oluzokhipha imali ethe xaxa kulesi sigaba esisha sempilo yakho yangasese. Ngale mikhiqizo yezezimali bangathola imbuyiselo kulondolozo lwakho cishe 3% noma 4%. Okuzokusiza ukuthi uhole izinga eliphakeme lokuphila ngomzuzu wokugcina womhlalaphansi. Kungukuphathwa ongakwenza ngokusemthethweni ngokusebenzisa imali noma imali engenayo engaguquki. Kuya ngezidingo ozethula esiteji njengomuntu othathe umhlalaphansi. Ngakho-ke, njengomsebenzi wephrofayili owethula njengesilondolozi.

Lokhu yinto okufanele uyenze uma uthola ukuthi uzoba nempesheni encane ezokuvimbela ukuthi uphile ngaphandle kwezinkinga ezeqile. Ukuze ubale, ngaphezu kokuthatha kwakho umhlalaphansi, ngemali engenayo etholwe kulesi siqondiso sokwenza lapho bonke abasebenzi bangasebenzisa khona iminyaka embalwa ngaphambili. Ukuze ngale ndlela, imali engenayo njalo ngenyanga ikhuphuke ngamandla athile futhi awudingi ukukhokhela impesheni ephansi ezoba ngaphezulu nje kwama-euro angama-600 ngenyanga. Kulula kakhulu ukuthi ubheke lesi sici ngezikhathi zokugcina zempilo yakho yomsebenzi.


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

Amazwana ayi-2, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  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.

  1.   M. Luisa Escartin Bueno kusho

    Sawubona, nginguM. Luisa Escartin Bueno. Bengifuna ukwazi ukuthi sengicashunwe isikhathi esingakanani. Kepha angitholanga mpendulo kule sayithi.

  2.   Xabier Mendizabal. kusho

    Blah blah blah ... Cindezela izigaba ezisebenzayo ukuze kusizakale amakilasi ezepolitiki, okuthi ngeminyaka embalwa yeminikelo azothola impesheni enhle impilo yabo yonke. Ngaphezu kwalokho, emazweni afana neSpain impesheni ayinayo imishwalense. Ngakho-ke kimi kuyafana ukucaphuna iminyaka engama-20, noma engama-30 noma ngaphezulu. Ungahlala amakhandlela amabili ngendlela efanayo.