Impesheni enkulu kanye nePesheni Encane Yomhlalaphansi ngo-2018

impesheni espain

I-Public Pension System inenhloso yokunikeza imali ephephile neyenele lapho kunezimbangela eziyidingayo, njengokuguga noma ukukhubazeka okuthile. Ngoba uhlelo lusetshenziselwa ukunquma umehluko weholo ngenxa yamalungelo owawucashunwe phambilini, uHulumeni uyasibona isidingo sokubeka imingcele ezimpeshenini, okuholele ekutheni kube nemikhawulo yempesheni kanye nomkhawulo omkhulu wempesheni.

Kungani kubekwa imikhawulo, njengempesheni ephezulu kanye nesincane

Ngokwesiko uHulumeni ubeka le mikhawulo ngokuya nge- Umthetho Wezabelomali Zombuso Jikelele. Futhi, iphinda isungule Umholo Ophansi Wokusebenza kanye nesikhombi somphakathi semali etholakalayo yemiphumela eminingi. Ngamafuphi, kunakekela ukusungula imikhawulo yempesheni ephezulu kanye nempesheni encane yempesheni yomphakathi.

NgoDisemba 2017, yashicilelwa ukuvuselelwa kabusha kwempesheni, kowezi-2018 ngo-0.25%, okuyisilinganiso esiphansi esisemthethweni esisunguliwe. Sikhuluma ngonyaka wesihlanu kuyo, ngokulandelana, impesheni izokwenyuka ukuthi u-0.25%, okusho ukuthi ngokwe-Annual Revaluation Index yempesheni, ebekiwe kuMthetho 23/2013, okuyisilinganiso esiphansi esisemthethweni esisungulwe futhi kubhekelelwa imali engenayo nezindleko zohlelo, kusungulwa ukwanda okuncane okungu-0.25%, kanye nobukhulu be-CPI, e ukwengeza ku-0.50%.

Ubuncane bezimpesheni zomhlalaphansi ngo-2018

abahlala emakhaya

Kwesinye isikhathi, impesheni onelungelo layo iphansi kakhulu, kulapho kuchazwa ubuncane, umkhawulo ophansi wokuzama ukwanela ukukhokhela izindleko eziphansi. Igama elisetshenziselwe lokhu umphelelisi omncane futhi libhekisa kuzingcaphuno ezenziwe ku- impesheni encane kanye nenani elilinganiselwe onelungelo lokulithola. Ukuze uthole lesi sengezo esincane futhi ukwazi ukufinyelela izimpesheni eziphansi, kuyadingeka ukuthi uhlale endaweni kazwelonke.

I-athikili ehlobene:
Ungayithola kanjani impesheni encane uma usuthathe umhlalaphansi?

Umuntu onempesheni, okungukuthi, umuntu ohola impesheni unenani elincane nelincane lempesheni, ngenxa yalokho, ngenxa yesimo sabo somshado, kanye nobudala nakho kuyisici esibhekelwayo ukuthola imingcele ephansi yempesheni, iminyaka yalowo ohola impesheni ingaba ngaphansi noma ingabi ngaphansi kweminyaka engama-65.

Isimo esithile somshado salowo ohola impesheni singahlukaniswa sibe munye yalezi zinhlobonhlobo ezintathu:

  • Ngomlingani ongathembele kuye
  • Ngomlingani othembekile
  • Akekho oshade naye

Umlingani othembekile usho ukuthi umuntu onesibopho somshado nalowo ohola impesheni uncike kuye ngokwezimali. Lokhu kuyaqondakala lapho umuntu ohlala nalowo ohola impesheni akayena ophethe impesheni Ngakho-ke, ukuncika kwezomnotho kukhuthaza imali ephelele lapho bobabili bengafinyelela khona, ukubheka noma iyiphi enye imali engenayo yanoma iluphi uhlobo, ingaphansi kwe- € 8.321,85 ngonyaka.

Uma kunjalo, ukuthi imali engenayo yezinhlangothi zombili ingaphansi kwaleyo mali, kukhona isengezo esilingana nomehluko, esatshalaliswa phakathi kwenombolo ehambisanayo yezinkokhelo zenyanga. Inkokhelo encane yokwengeza ayivunyelwe yeqa inani lempesheni elingahambisana uma kukhona abazuzi ababili abanelungelo lokuthola impesheni uma kukhona umlingani othembekile.

Ukubalwa kwempesheni yomhlalaphansi

impesheni yomhlalaphansi

Kunezici ezintathu ezibalulekile ezinquma ukuthi impesheni yakho yomhlalaphansi kufanele ibe yimalini:

Ingqikithi yeminyaka yohlu:

Lokhu kungukuphila konke okusebenzayo, ngoba ngeminyaka eyi-15 yeminikelo, i-50% ye-Regulatory Base ingafinyelelwa (ezochazwa ngezansi) futhi iyanda kuze kube yilapho kungenzeka ukufinyelela ku-100% we-Regulatory Base, okungenani ama-35 neminyaka eyisigamu yeminikelo ku-2018 (le nto iyahlukahluka kuze kube ngu-2027, khona-ke ubuncane beminyaka engama-37 yeminikelo kuzodingeka ukuthi ifinyelele ku-100% we-Regulatory Base.

Iminyaka elindelwe:

Kungenzeka silindele inani elithile leminyaka yokuthatha umhlalaphansi, uma sesaba ukuthi kungenzeka ukuthi sithole enye yezindlela ezicatshangwe yi-General Law of Social Security for Early Retirement.

Isisekelo Sokulawula:

Le yincazelo yezibalo evuselelwa ngokuhluka kwe-CPI yenani elenziwe Amabhesi Omnikelo esikhathini esithile: Ngo-2018, iminyaka engama-21 ngaphambi kokuthatha umhlalaphansi, kukhuphuke kuze kube ngo-2022 kuzoba yiminyaka engama-25.

Uma iminyaka embalwa inikelwe ohlelweni noma umlando wokunikela wenzelwe izisekelo eziphansi kakhulu, kucatshangelwa iminyaka engaphezu kwengu-15 ukuze kube nokwenzeka ukuthi uthole ilungelo lempesheni yomhlalaphansi enikelwayo, maningi amathuba okuthi impesheni ngokuthatha umhlalaphansi, noma ngabe ngokweqile, kuphansi. Futhi kokunye, uma iminikelo ibiphezulu kakhulu futhi impesheni yomhlalaphansi ibinikele iminyaka eminingi, izobe iphakeme impela. Ngakho-ke iSistimu izama ukuqinisekisa ukuthi kukhona ukwabiwa kabusha kwemali engenayo, ukuze izimpesheni eziphakeme kakhulu zibe nomkhawulo nezimpesheni eziphansi kakhulu zibe nokuncane.

impesheni enkulu kanye nesincane

Ukusatshalaliswa Kwempesheni Yomhlalaphansi ngemuva kweminyaka engama-65

  • Ngomlingani othembekile, kulingana namanani anyanga zonke e- € 788,90 futhi ngonyaka kube ngu- € 11.044,60.
  • Ngaphandle koshade naye kulingana nenani lama-693.30 ngenyanga kanye ne-8.950,20 ngonyaka.
  • Ngomlingani ongathembele kuye, kungama-606,70 ngenyanga kanye no-8.593,89 ngonyaka.

Ukusatshalaliswa Kwempesheni Yomhlalaphansi ngaphambi kweminyaka yobudala engama-65

  • Ngomlingani othembekile, kulingana namanani anyanga zonke angama-739,50 no-10.353,00 ngonyaka.
  • Ngaphandle koshade naye kulingana nenani lama-598,00 ngenyanga kanye ne-8.372,00 ngonyaka.
  • Ngomlingani ongathembele kuye, angama-565,30 ngenyanga kanye no-7.914,20 ngonyaka.

Ukusatshalaliswa Kwempesheni Yomhlalaphansi kusuka ekukhubazekeni okukhulu

  • Ngomlingani othembekile, kulingana namanani anyanga zonke we-1.183,40 kanye ne-16.567,60 ngonyaka.
  • Ngaphandle komlingani ulingana no-959,00 ngenyanga kanye no-13.426,00 ngonyaka.
  • Ngomlingani ongathembele kuye, kungu-910,10 ngenyanga kanye no-12.741,40 ngonyaka.

Impesheni yomhlalaphansi yokukhubazeka okukhulu (ukukhubazeka unomphela)

  • Ngomlingani othembekile, kulingana no-1.183,40 ngenyanga no-16.567,60 ngonyaka.
  • Ngaphandle komlingani othembekile, kungama-959,00 ngenyanga kanye no-13.426,00 ngonyaka.
  • Ngomlingani ongathembele kuye bangama-919,10 ngenyanga kanye no-12.741,40.

Ukusatshalaliswa Kwempesheni Yomhlalaphansi ngokukhubazeka ngokuphelele unomphela

  • Ngomlingani othembekile, zingama-788,90 ngenyanga nezingu-11.044,60 ngonyaka.
  • Ngaphandle komlingani, zingama-639,39 ngenyanga nezingu-8.950,20 ngonyaka.
  • Uma owakwakho engaphethe, zingama-606,70 ngenyanga nezingu-8.493,80 ngonyaka.

Ukusatshalaliswa Kwempesheni Yomhlalaphansi ngokukhubazeka ngokuphelele unomphela

  • Ngomlingani othembekile, zingama-739,50 ngenyanga kanye no-10.353,00 ngonyaka.
  • Ngaphandle komlingani, ilingana no-598,00 ngenyanga kanye no-8.372,00 ngonyaka.
  • Ngomlingani ongathembele kuye, kungama-565,30 ngenyanga kanye no-7.914,20 ngonyaka.

Ukusatshalaliswa kwempesheni okuncane kobufelokazi

Ngabantu abondliwa emndenini, ilingana no-739,59 ngenyanga kanye no-10.353,00 ngonyaka.
Ngeminyaka engama-65 noma ukukhubazeka, zingama-639,30 ngenyanga nezingu-8.950,20 ngonyaka.
Phakathi kweminyaka engama-60 nengama-64, zingama-598,00 ngenyanga nezingu-8.372,00 ngonyaka.
Ngaphansi kweminyaka engama-60, zingama-484,20 ngenyanga nezingu-6.778,80 minyaka yonke.

Impesheni encane yomhlalaphansi ngo-2017

  • Ku-65, nomlingani othembekile, bekungama- € 786,90 ngenyanga. Ngaphandle komlingani othembekile, bekungama- € 637,70 ngenyanga. Ngomlingani ongancikile kuye, bekungama-605,10 ngenyanga.
  • Ukuthatha umhlalaphansi ngaphansi kweminyaka engama-65 kwakulingana, nomlingani othembekile, kwe- € 737,60 ngenyanga. Ngaphandle komlingani, bekungama- € 589,36. Ngomlingani ongancikile kuye, bekungama- € 563,80 ngenyanga.
  • Ngeminyaka engama-65 yokukhubazeka okukhulu, nomlingani othembekile kuye, bekuyi-1180,40 ngenyanga. Ngaphandle komlingani, bekungama-956,50 futhi nomlingani ongathembele kuye, bekungu-907,70 ngenyanga.
  • Ngakolunye uhlangothi, umkhawulo wemali engenayo yonyaka yesengezo esincane, ngaphandle kwempesheni, ibingu- € 7.116,18 ngaphandle komlingani kanye ne- € 8.301,10 nomlingani othembekile.

Impesheni enkulu yomhlalaphansi ngo-2018

impesheni enkulu

Ku-2018, inani eliphakeme lempesheni liyi-36.121,82 euros ngonyaka. Uma kutholwa izimpesheni ezimbili, inani lazo alikwazi ukuba ngaphezu komkhawulo omkhulu.

Njengoba kukhona Ukuthatha Umhlalaphansi Ngaphambili, ngaphezu kwefayela le- Ukwehliswa kokulingana kwe-Regulatory Base ngaphambi kwesikhathi, Inani elidalwe yimpesheni alikwazi ukweqa inani elivela ekwehliseni umkhawulo omkhulu ngo-0.50% ikota ngayinye. Ngakho-ke impesheni ephezulu yomhlalaphansi ingafinyelelwa uma umkhiqizo uqala eminyakeni ejwayelekile.

Kodwa-ke, umkhawulo omisiwe wempesheni ongaphezulu ungadlulwa uma kunesengezo sokubeletha, sikhuphuke sisuke ku-5% siye ku-15% kuya ngokuthi isibalo sezingane siyi-2, 3, 4 noma ngaphezulu nangokwelula isikhathi sokusebenza ngaphezulu komhlalaphansi osemthethweni. iminyaka lapho ukuthola impesheni yomhlalaphansi kwenzeka kubudala obungaphezulu kobudala obujwayelekile, futhi ngenxa yalesi sizathu kuzobonwa amaphesenti angeziwe onyakeni ngamunye weminikelo esikhathini esiphakathi kosuku lokufinyelela kuleyo minyaka kanye nesehlakalo esidala impesheni .

I-athikili ehlobene:
Ungalihlenga kanjani uhlelo lwempesheni?

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.