Enye yezidingo eziphambili zokuthola impesheni enikelayo ukuthi ube nesandla okungenani eminyakeni eyi-15 ngomlando womsebenzi womfakisicelo. Kodwa-ke, okunye kokucabanga okungenzeka ukuthi lowo ohola impesheni wangakusasa akafikanga kulesi sikhathi somnikelo. Kufike ezingeni lokuthi zikwazi ukulingana iminyaka embalwa kakhulu- noma izinyanga - ukuthola lokhu kubhekisisa ngesikhathi umhlalaphansi wakho usuzungeza ngaso. Ukube bekunjalo, ubungeke ulahlekelwe yikho konke ngoba bekungaveza leyo minyaka noma lezo zinyanga oshiye ukuzicaphuna ngokuhlukile amasu ukuthi sizokudalula kule ndatshana.
Kunoma ikuphi, uma ungenayo Iminyaka engu-15 yokufakwa ohlwini Impesheni echazwe njengomnikelo ayinakuqoqwa. Esikhundleni salokho, bebengathola kuphela impesheni engakhokhi uma nje behlangabezana nezidingo ezimbalwa, phakathi kwazo okulandelayo okugqamile: kufanele okungenani kube neminyaka emibili yeminikelo eminyakeni eyi-15 ngaphambi kokutholwa kwale mali engenayo. Futhi njengoba isifinyelele eminyakeni yobudala engama-65, nokuthi kusukela ngonyaka we-2027 izonyuka iye eminyakeni engama-67 futhi ngokuqhubekayo.
Uma zonke lezi zidingo kuhlangatshezwana nazo, uzokwazi ukuthola impesheni enikelayo. Lapho kusuka kulo nyaka sebekhule baba ngaphezu kwama-euro angama-700, yize kucatshangelwa uchungechunge lwama-caveats afana nalawo ashiwo ngezansi:
- Impesheni yomhlalaphansi yomnikazi oneminyaka engama-65 noma ngaphezulu
- Ngokuziphatha nomlingani othembekile, ama-euro angama-810,60. Ngaphandle komlingani, ama-euro angama-656,90. Ngomlingani ongancikile ku-623,40 euro.
- Impesheni yomhlalaphansi yomnikazi ongaphansi kweminyaka engama-65 yobudala
- Ngokuziphatha nomlingani othembekile, ama-euro angama-759,90. Ngaphandle komlingani, ama-euro angama-614,50. Ngomlingani ongancikile ku-580,90 euro.
Ukungafinyeleli eminyakeni esohlwini
Kunoma ikuphi, futhi kucatshangwa ukuthi umsebenzi akafinyelelanga esabelweni seminyaka engu-15 esetshenzisiwe futhi wanikela, kufanele asebenzise uchungechunge lwamafomula ukugcwalisa leyo minyaka embalwa esele ukuhambisana nezidingo zamanje zempesheni enikelayo. Kuzoba yisixazululo kuphela ukufinyelela kulesi sigaba sempilo ngemali yempesheni ehloniphekile. Lapho kwezinye izimo, ngeke libe khona elinye ikhambi ngaphandle kwe- landisa impilo yokusebenza kuze kufezeke izinhloso zalaba bantu. Ngoba uma kungenjalo, bazophoqeleka ukuthi bafune usizo lomphakathi olungadluli ama-euro angama-400 inyanga ngayinye.
Ngalesi sizathu kubaluleke kakhulu ukuhlela lesi sigaba esibalulekile sempilo futhi ngalo mqondo akukho okungcono kunokucela i- Umlando Wokusebenza phambi kweziphathimandla zokuphatha. Kuzokhonjiswa yonke iminyakazo nayo yonke iminyaka oyisebenzile ngisho nemininingwane emincane kakhulu. Lo ngumbhalo okulula ukuwuthola futhi ungahlawulisi. Ezinsukwini ezimbalwa uzokwazi ukuba nayo ukuze wazi ukuthi siyini isimo sangempela sempilo yakho yomsebenzi ukugxila ngokweqiniso ngesikhathi sokuthatha umhlalaphansi.
Impesheni encane: ephezulu njengokuzisebenza
Uma usalelwe yiminyaka noma izinyanga ezimbalwa ukuthi ufaneleke ukuthola impesheni yokunikela, esinye sezixazululo onazo gcwalisa leli gebe lomsebenzi ukubhalisa njengesisebenzi esizimele kanye nesikhathi osidingayo uze ufinyelele eminyakeni eyi-15. Kuzofanele ukhokhe imali njalo ngenyanga ngesisekelo seminikelo oyifunayo, yize kufanele wazi ukuthi uma lokhu kuphakama, inani elikhulu lempesheni yakho elilandelayo liyanda. Lesi senzo singenziwa inqobo nje uma ufuna, kusuka onyakeni owodwa nje kuze kufike ezingeni elingenamkhawulo ngokuya ngezidingo zakho zangempela zomhlalaphansi.
Ngakolunye uhlangothi, ngalesi sikhathi ungazuza esilinganisweni esiphansi sabasebenza ngokuzimela futhi lokho kuzosho ukukhokha inani elithile Ama-euro angama-50 okufanele abhaliswe njengesisebenzi esizimele. Ngalo mqondo, kusukela ngoJanuwari 1, 2018, isikhathi semali encishisiwe yama-euro angama-50 kwabasanda kuzisebenza sinwetshelwe ezinyangeni eziyishumi nambili, esikhundleni sezisithupha kuze kube manje. Ukunwetshelwa kwemali ekhishelwe labo abazisebenzelayo abenza noma abenza kabusha umsebenzi ohleliwe nge-akhawunti yabo kwenziwa ngokuguqulwa kwamagama endatshana ye-LETA.
Akukho ukukhishwa eminyakeni emibili edlule
Ngokuphambene nalokho, kuyadingeka futhi ukuthi ubheke kusukela manje ukuthi ukuze uzuze kuleli zinga eliphansi akudingeki ukuthi ubhaliswe njengomuntu ozisebenzelayo iminyaka emibili edlule (amathathu uma kwenzeka wake wajabulela ibhonasi phambilini). Umthetho wezinguquko eziphuthumayo zokuzisebenza uzifinyezile isikhathi kusuka eminyakeni emihlanu kuya kwemibili kubantu abasha abazisebenzelayo, ngaphandle kwalowo osebenza ngokuzimela ogcina isidingo sokuqala seminyaka emihlanu.
Mayelana nenani layo, kufanele kuqashelwe ukuthi inyuka ngokuqhubekayo futhi ngaphezu kwezinyanga. Inani lesilinganiso esiphansi liyahlukahluka phakathi nezinyanga zokuqala zomsebenzi, lapho uzothola khona izingxenye ezintathu zokwehliswa kubuncane besisekelo somnikelo futhi okulandelayo esikudalula kuwe ngezansi:
- Izinyanga zokuqala eziyi-12: I-50 euro uma kwenzeka ucaphuna izisekelo eziphakeme kunezinga eliphansi (932 euros).
- Izinyanga 12 kuya ku-18: 50% ukunciphisa ngesikhathi semester yesibili, obekuzohlala kuma-euro angu-139,43 ngenyanga.
- Izinyanga 18 kuya ku-24: izokhula ize ifinyelele kufayela le- Ama-euro angu-195,24 ngenyanga.
Isivumelwano esikhethekile ne-SS
Enye indlela yokufinyelela eminyakeni emincane yokuthatha umhlalaphansi ukusungula isivumelwano ne-Social Security. Lokhu kubizwa ngokuthi yisivumelwano esikhethekile futhi kuyisivumelwano ubhalise ngokuzithandela ngumsebenzi uqobo futhi anquma ukumkhokhela iminikelo elahlekile Yezokuphepha Komphakathi. Kuyakhonjiswa lapho usukhululiwe emsebenzini futhi ufuna ukuqala kabusha lobu budlelwano ukuze ubalwe lapho usuthatha umhlalaphansi. Lokho kungukuthi, ukuze uphinde unikele ngokwakho futhi okubandakanya izinzuzo zokukhubazeka unomphela, ukufa kanye nokusinda, okutholakala ekuguleni okuvamile nengozi engasebenzi, umhlalaphansi kanye nezinsizakalo zenhlalakahle.
Kodwa-ke, okuyinkinga enkulu ukuthi lezi zimali zizofunwa kakhulu kunangezinga eliphansi labasebenzi abaziqashile. Ngokwalo mbono, kufanele kube yindlela yokugcina okufanele uye kuyo ukuqoqa impesheni yakho enikelayo ezinyangeni ezizayo. hhayi ize, kuyosho ukuthi a umzamo omkhulu wezomnotho ngokukhokha izitolimende zabo zanyanga zonke. Iyini imali okufanele uyikhokhe? Ngalo mqondo, ungakhetha phakathi kokukhethwa kukho okuningana, noma kunjalo ungakhetha isisekelo esiphansi samanje sokunikela, njengoba kwenzeka ngezimali zama-freelancers. Lapho, i-coefficient ka-0,94 izosetshenziswa kwisisekelo somnikelo. Ngakolunye uhlangothi, kufanele kushiwo ukuthi isikhathi salesi sivumelwano esikhethekile sizomiswa ngezikhathi zomsebenzi.
Kusesimweni sokuthola impesheni
Ngalezi ziphakamiso ezimbili ngeke ube nezinkinga ezinhlobo ukufinyelela impesheni yakho enikelayo. Inani lalo, nangemuva kokubuyekezwa kokugcina kwalo nyaka, lilinganiswa cishe ngama-euro angama-700 njalo ngenyanga. Kunoma ikuphi, kuzoya ngezimpawu zabafakizicelo.
Kubanikazi abaneminyaka engama-65:
Ngomlingani othembekile: ama-euro angu-10.988,60 ngonyaka.
Ngaphandle komlingani (iyunithi yezomnotho yomuntu oyedwa): ama-euro angama-8.905,40 ngonyaka.
Ngomlingani onganciki kuye: ama-euro angu-8.449 XNUMX ngonyaka.
Okwabanikazi abangaphansi kweminyaka engama-65:
Ngomlingani othembekile: ama-euro angu-10.229,80 ngonyaka.
Ngaphandle komlingani (iyunithi yezomnotho yomuntu oyedwa): ama-euro angama-8.330 ngonyaka.
Ngomlingani onganciki kuye: ama-euro angu-7.872,20 XNUMX ngonyaka.
Umqondisi wokunxephezela
Kunoma ikuphi, ngeminyaka engu-15 noma eyi-16 yeminikelo, uzoqoqa kuphela i- 50% wesisekelo sokunikela futhi uma lokhu bekuphansi kakhulu, impesheni ingaba ngaphansi kancane kwama-euro angama-500. Kodwa-ke, kulezi zimo kusetshenziswa umqondisi wokunxephezela ukuze impesheni yakho enikelayo ibe ubuncane obusunguliwe. Kunoma ikuphi, kufanele uthobele uchungechunge lwezidingo futhi okunye okubaluleke kakhulu ukuthi awunayo imali engenayo yonyaka engaphezu kwama-euro ayi-7.000 cishe. Ngoba uma kwenzeka kwephulwa leli phuzu, impesheni ibizokhishwa ngokuzenzekelayo futhi uze ulungise inkinga ngokugculisayo.
Ngakolunye uhlangothi, ngeke ukhohlwe ukuthi le mpesheni izoba ngeyempilo yakho. Ngokunyuka, uma kukhona, kokubuyekezwa okwenziwa minyaka yonke. Ngaphandle kwanoma yisiphi isikhathi ungahluka noma ushintshe inani laso. Yimali engeke isaguqulwa yingakho kubaluleke kangaka ukuthi uhlele umhlalaphansi wakho ngokulindela okuthile. Ungavumela ngisho nomkhiqizo wezezimali ukukhulisa amandla akho okuthenga ngalesi sigaba sempilo yakho. Isibonelo, izinhlelo zempesheni noma izimali zokutshala imali.
Kwezinye izimo, ngezinzuzo zentela ezithokozisayo ukuze ukhokhe imali encane minyaka yonke. Ukuze impesheni yakho ibe phezulu. Ngalo mqondo, ungakhetha phakathi kokukhethwa kukho okuningana, noma kunjalo ungakhetha isisekelo esiphansi samanje sokunikela, njengoba kwenzeka ngezimali zama-freelancers. Lapho, i-coefficient ka-0,94 izosetshenziswa kwisisekelo somnikelo.