Indlela yokubala umhlala-phantsi kwi calculator yakho?

Lidla ngamnye kuthi uyaweva mbuzo: "Indlela ukubala yomhlala?", Ezizezi: zingaphi engange ngayo, kodwa bambalwa uyazi impendulo efanelekileyo. Eyona nto kukuba lo mba nto ayilandeleki. Ngamnye kuthi unokuthekelela kuphela ukuba ukubala indlela pension.

Okokuqala kufuneka ukuba aqhelane iinkcukacha ukubala. Funda ukuba ukubala ngendlela yomhlala - elula kakhulu, kodwa kuthatha ixesha elincinane.

I-Pension ihlawulwa qho ngenyanga de kube sekupheleni kobomi bomntu, kuyimfuneko ukwenzela ukunika abahlali ingeniso yemali bakhule kwaye ezifanelekileyo namava omsebenzi. Kukho iindidi ezahlukeneyo umhlala-phantsi: yokukhubazeka, endala-ubudala okanye usindileyo. Ezi ntlobo iinzuzo zomhlalaphantsi efumanekileyo qho ngenyanga, kunye nemali kwabo ezibekwe ngurhulumente (ngenxa yokukhubazeka kunye osindileyo). Akuso, nto leyo efunekayo ukuze bafumane iinzuzo, nayo ixhomekeke kuhlobo lomsebenzi.

Njengoko waziwa kakuhle yomhlalaphantsi credit karhulumente amadoda kunye engama-60 abasetyhini - engama-55. Ngokwakhe makambalele inani ingeniso yenyanga umhlala-zicwadi kunzima kakhulu, kodwa kunokwenzeka. Ukuba singathatha amava omsebenzi engama-20 kwabasetyhini kunye namadoda - engama-25, le fomyula ilandelayo, eya kuthi uboniswe kumzekelo, unako ukubala ingeniso yakho yomhlala-phantsi ngenyanga ngokusekelwe aphezulu.

Pension zezi:

1. Inxalenye engundoqo: isika karhulumente ngokwawo, ukutshintsha ubungakanani iintlawulo zenzeka ngokuxhomekeke ubudala, ukukhubazeka okanye ukuxhomekeka yengqesho.
2. I-inshorensi inxenye: Ndakumisa kuxhomekeke kubungakanani sonke isixa semali eyinkunzi pension. Oku kusekelwe ziquka ii-asethi pension eqikelelweyo, yaye isixa-inshorensi.
3. inxenye exhaswayo: kokuba imisiwe ngokuxhomekeke kwisixa semali senziwa ukhetho ngokuzithandela.

Njani na imali yomhlala phantsi i

Le mali ibandakanya zonke iimali ukuba wayiqokelela kwinkqubo ukusebenza kwi-akhawunti yakho eyahlukileyo. Ke ixhaswa ngokuqhutywa ngerhafu ukuba kubanjwa ukususela abemi ngalinye baqeshwe ngokusemthethweni, oko kukuthi - yintlawulo-inshorensi kunye nezinye iintlawulo-mali yomhlalaphantsi.

Ekubeni kuyimfuneko ukubala pension, kuthathelwa ingqalelo zonke unyuko kunokwenzeka, kuyimfuneko ukuba bathathele ingqalelo into yokuba lo mhlala-akhule nge-10% okanye ngaphezulu, ukuba unawo amava omsebenzi phambi 1991, ngokutsho yotshintsho kwinkqubo pension iintlawulo. Olubalo uthatha inani leminyaka kude kube 1991, kwaye ke nangobubi iphinda phindiweyo ngo-1%. Ubuncinane unyuso lwemivuzo nge-10%, kodwa hayi ngaphezulu kwe-20%. Imali kubangele idityaniswe kwi pension.

Indlela ukubala ubungakanani yomhlalaphantsi (ebudaleni)

Umqeshi wakho wenza ngenyanga-20% yemali evela isixa somvuzo wakho ngenxa mali elizayo lwe pension yakho. Yonke imali ekuqaleni ukuza kwingxowa-mali yomhlalaphantsi. Cinga nje ngomzekelo ukubala pension.

Umzekelo, kufuneka ukubala ubungakanani iminyaka yomhlalaphantsi ubudala, uyacelwa ukuba PFR1 th Meyi 2012. Yonke amava msebenzi ngo May 1, 2012 kangangeminyaka engama-30. Umvuzo wenyanga ukuba ixesha yaba 8,000 engange. Ngoko ke indlela ukubala indodla kwi calculator akuyi kuba lula, sebenzisa le RP formula = SK * WP / ST * FFP uze uthelekise data.

UK - a ukuxatyiswa factor, ungama-55% ukuba ubude inkonzo engama-25. Ukuba umntu uye wasebenza iminyaka engama-30 ngenxa UK ziya kongezelelwa-5%, ngokulandelelana, engama-20 ubudala = 50%. Ngokuba amadoda kunye nabafazi, SC kwandisa ukuba ngonyaka ngamnye ukususela 0.1 ukuya 0.75.

WP - oko umvuzo, ebalwayo nasiphi na iminyaka emi-5 emgceni, ngokusekelwe amaxwebhu kumqeshi wakho okanye arhente karhulumente ngendlela emiselweyo.

FFP - data kwi elingu kule nyanga iphelileyo, leyo uthi urhulumente ngo-2012.

PO - avareji imivuzo yenyanga ebekwe yi-Russian Federation isithuba seminyaka emi-5, ukuba uya kusebenzisa ukubala RR.

Landela le ifomula nokuthelekisa yonke idatha, uyakwazi ukubala ubungakanani Iintlawulo zomhlalaphantsi ngenyanga okanye ngonyaka.