Individual pension factor - kuba ... Ukuze kubalwe le-inshorensi yinxalenye formula yomhlalaphantsi entsha

Ukususela 2015 ipension ibalwa phantsi yokubala entsha. Ilungelo lokufumana intlawulo abantu ngamanqaku-30 okanye ngaphezulu wayiqokelela. Le meko ochukumisa amalungelo abantu babe namava. Iinkcukacha ezingaphezulu malunga indlela entsha, ufunde.

isimiso

Ngaphambili, iimeko ezimbini ezifunekayo ukuze kubalwe iinzuzo:

• yobudala echaziweyo (60 - ngokuba amadoda, 55 - kuba abafazi);
• ukufumaneka amava omsebenzi (kwiminyaka ezahlukeneyo ukususela kwiminyaka-5 ukuya 25).

imali ye pension lixhomekeke ubude kunye nenqanaba yengeniso. Ukususela 2001 ukuya ku-2014 saba lixabiso njengoko iipremiyamu. Zidla zenziwa 14-16% yomvuzo wenyanga. Ukususela ngo-2015, into omtsha - umntu pension factor. Esi sisixa amanqaku kwiminyaka. Ukufumana izibonelelo, kufuneka sisebenze inani elithile eminyaka kwinqanaba lomvuzo apho isixa iminikelo ihlawulwe iza kudlula kwinqanaba ngokomthetho.

Kakuhle eli inkqubo entsha yokuhlala kukuba ezifunyenweyo ngexesha amalungelo pension imisebenzi aguqulwa abe ngamanqaku. Xa inani labo ke ngoko abalwe izinga inzuzo. Ukuze ubone i-IPC ezingasetyenziswanga, kuyimfuneko ukuba bahlule isixa iminikelo ezibaxhobisayo ukuya norm - udibaniso lwamaxabiso ubuninzi kunye nemivuzo ubuninzi ngayo irhafu.

Ukuba umntu ufumana nonyaka wama-568 lamawaka. Hlikihla., It eqokelela ubuninzi-10 amanqaku. Inani eliphezulu umvuzo kunye ingumlingani iyatshintsha rhoqo ngonyaka. Ngo-2025, xa inkqubo iza kundululwa ngokupheleleyo, la manyathelo mabini ziya kwandisa kakhulu. Ngelo xesha, inxalenye ezingasetyenziswanga ye pension uya kuba nako ukufumana abantu kuphela ukuqokelela amanqaku-30 okanye ngaphezulu. 2015 Intlawulo endala-yobudala wabelwa xa kukho amanqaku 6.6. Ngonyaka rate uya kunyuka nge-2.4.

Njengokuba inkqubo entsha esebenza

Abantu abaninzi baqala ukusebenza kwi USSR. Balindele ukuba zifike ikhefu eyenza ikufanele kwixa elizayo. Ubukhulu iinzuzo zabo nayo iya kuxhomekeka obuqokelelwe ngamnye ngumlingani yomhlalaphantsi (amanqaku). Ngethuba 2001 ukuqinisekisa isixa pension, eya kuthi ke kuguqulwa kungena okuza.

umzekelo

Petrov ndandisebenza engineer. On 31.12.2014 Wamisa pension 10.030 engange, nto leyo iquka intlawulo eyodwa (3935 engange.) Yaye inshorensi -. 6095 engange. Yintoni ixabiso lakhe lomlingani pension ngamnye ngo-2015?

IPK = 6095: 64.1 = 95.

64,1 engange. - ukulinganisela libaluleke ngo-2015

Kuba avareji izibonelelo kufuneka ukuqokelela amanqaku ubuncinane 100. Ezibaluleke kakhulu lulwahlulo pension ngamnye. Indlela yokubala imali yezibonelelo abantu abasebenza?

1. COE = + PKI ukuya 2015 Emva 2015 PKI.

Isalathisi yesibini zibalwe umdibaniso okuza ixesha ngalinye ingxelo:

1. Insurance pension = amanqaku IEC × iindleko.
2. Benefit = intlawulo esisigxina + Insurance yomhlalaphantsi.

izinto

Ubungakanani lomlingani yomhlalaphantsi ngamnye lixhomekeke:

• Limit yakho yengeniso kweentlawulo iminikelo;
• indleko amanqaku, apho zoMqulu kwamaxabiso.

Ngo-2015, isixa-mali iphezulu umvuzo, kunye 'iminikelo ifikelele kwi-711 lamawaka. Thambisani. Xa isixa-mali esikhudlwana ezibanjwayo abavumelekanga. Ekubeni ngereyithi eyi-16% kuhlahlo lwabiwo-mali karhulumente efunyenweyo 113,76 amawaka. Thambisani. Thina ubale ngamnye pension factor eliphezulu.

umzekelo

Petrov iyaqhubeka ukusebenza ngenxa yeholo-25 amawaka. Thambisani. Nale mali itsaliwe nyaka ngamnye 48 lamawaka. Thambisani. PF. Phezu izinga umhlala-2015 ngamnye ukubala njani?

(48 000: 11 3760) = 4,22 x 10.

Petrov bangacela recalculation le minikelo. Kodwa kule meko kucingwa ukuba iiyunithi 1.8 kuphela.

Inani lamanqaku ezifunekayo ngo-2015

Ecacileyo, sisebenzisa itafile.

Izinga pension ngonyaka ngamnye - inani amanqaku afunyenwe kweenyanga ezili-12, okanye ixesha elo zibandakanyiwe kule ngxelo. Okuya uba mkhulu umvuzo, kungona IPK. Umthetho ubonelela kwiminyaka emi-6 lenguqu, ngexesha apho iimeko ziya ngokuthe some.

Individual pension factor - sisixa iingongoma ayanikezelwa hayi kuphela ixesha lomsebenzi, kodwa kwimeko kweentlobo ezithile "kwemitshini."

Imali ababeyiqwebile kwabalelwa izalathisi ngo-2016 kwaye ingafunyanwa kwi PF. Nokuba i IPK kakhulu emfono kuthathelwa ingqalelo iingongoma 7,83 ngo-2016 no 8.26 - ngo-2017.

umzekelo

umphathi Top ukusebenza ukususela ngo-2010 kwi-umvuzo wonyaka ka-100 lamawaka. Thambisani. Kwiminyaka-5 yamava unyaka zonke wazakhela-10 amanqaku. Enye 20 wamkela 2015 ukuya 2017. Le mali ezingasetyenziswanga IPK: 7,39 + 7,83 + 8,26 = 23,48. Ngokutsho komthetho, kuthatha ubuncinane i-15 leminyaka yenkonzo. Kule minyaka 7 ezayo umsebenzi sele efunde amanqaku ngaphezulu 77,4. Total kuthathelwa ingqalelo amanqaku 107,44. Xa amaxabiso lwangoku, umhlalaphantsi umphathi phezulu iyafana naleyo ilungu elidla umhlala ukusebenza kumzekelo wangaphambili.

Inani IPC ukuba zibalwe ngokutsha rhoqo ngonyaka. Le rate ixhomekeke kwinqanaba umvuzo ebanjwayo ngokunciphisa, leyo ikhule kakhulu ngokukhawuleza. Ngowe-2015 ukuba zinyuke nge-14%, kwaye elingu - yi-9%. Ngoko ke musa ukuthembela izibonelelo zikarhulumente ebudaleni kwaye ukuba bacinge ngezinye iindlela lokwandisa pension.

amagama ezintsha kunye nemiqathango

Individual pension factor - uhlobo lovavanyo kwamalungelo emisebenzi amanqaku. Nyaka ngamnye urhulumente ubeka ixabiso point 1 luhlu ukuba ukunyuka kwamaxabiso. Retirement pension iquka intlawulo esisigxina yaye inxalenye ukuba ixhomekeke PKI. Iindleko 1 ratio kwi 01.01.2016 - 74,27 engange. obalulwe fixed - 4558,93 engange. Ukuze ufumane isibonelelo ngo-2016, umntu kufuneka:

1. Bafikelele kwiminyaka ethile.
2. Yiba ixesha inshorensi emi-6.
3. Ukuqokelela amanqaku 6.6.

Ukuba ubuncinane omnye wemiqathango ayanelanga, umntu unelungelo kuphela ipension lwentlalo.

Ubuhle lobubi

Kokubona omkhulu ziingcali kukuba ubukhulu iintlawulo elizayo kuya kuba nje kokuba umhlala-phantsi. Le mali iya kubalwa njengoko imveliso emfono IPK kwixabiso lwabo kunyaka iinjongo zentlawulo. Lo mzobo yokugqibela kubalwa ngokwahlula iingeniso PF izicwangciso isixa amanqaku ezingasetyenziswanga bonke abadla umhlala-phantsi.

Enyanisweni, njengokulinganisela lomlingani pension ngamnye (IPC) ze umntu inshorensi iya kuxhomekeka iingeniso PF. Oku kuya kunciphisa ubungozi intswelo. Kwangaxeshanye, iingcali zithi ukuba indlela yokubala azifani ngumthetho.

Ingxaki yesibini kukuba baseRashiya nangoku musa ngabom ziyifumanisa inguquko entsha. Kumazwe aphuhlileyo bachitha ixesha elininzi echaza zonke bokuqonda labemi.

Ngcembe ukwandisa ubude ubuncinane inkonzo (iinyanga ezili-12 ngonyaka). Ngo-2024 kuya kuba yiminyaka eli-15. Ngesi amava kwi PD uba 95% yabemi.

Imali iyonke inzuzo ekufuneka ihlawulwe ibalwa yi ifomula:

Pension = (WF x K) + (PKI x R) x CT, apho:

• PV - Defined Benefit;
• amanqaku waqokelela - PKI;
• K - ipremiyamu umhlala-phantsi emva kwexesha;
• ST - unit iindleko PKI.

umahluko yokubala

Umba ukwanda yobudala yomhlala phantsi wavuswa ngokuphindaphindiweyo. Abalandeli bathi ababona ngayo, imfuneko ukunciphisa intsilelo PF. Elinye iqela athi umhlala kamva kubalulekile ukuba abantu aba umgangatho wokuphila. Ukuze ukuvuselela labemi, urhulumente ubeka IPK ophezulu kunye multipliers ukuba intlawulo elimisiweyo. Kwakhona izicwangciso ngokutsha uluhlu imisebenzi, abameli apho kuya kubakho umhlalaphantsi kufumaneka ekuqaleni, iimeko zomsebenzi (udidi yingozi ziya kusetwa ephezulu COE) kunye nemali ye-inshorensi (abasebenzi esiyingozi, izinga eliphezulu). Oku kuya ukulinganisa nkqubo iza kubonelela PF imithombo intlawulo yokuqala.