Yenkomba umzali dolobha: ithinta indlela usayizi isamba ngo-2016?

Namuhla impikiswano enkulu yiyona indexation lokho okubizwa ngomlobokazi womama dolobha. Le nkokhelo linendima ebalulekile ekusekeleni imindeni enezingane eziningana. ERussia, njengoba kuwo wonke amazwe, amanani ziye ekuphumeni ngokuhamba kwesikhathi. Izinzuzo kanye izimpesheni kukhona okukhonjiwe. Ingabe ukwanda matkapital? Ingabe Russia uhlela ukwandisa le mali? Yiziphi izindaba kungenziwa wezwa inkokhelo futhi? Nokuthi kungenziwa ikhishwe? Ngiyaqonda konke lokhu akuyona njengoba kunzima njengoba kubonakala. Into esemqoka ukuqonda lapho iqiniso namanga. Ngemva izindaba we womama dolobha kakhulu. Futhi kuphela ezinye zazo kungaba ngokuthi kweqiniso.

nokwanda okuphawulekayo

Into yokuqala ukuthi yaqashelwa zikhokhelwe cwaningo - izindaba yamuva ngokobungako womama dolobha. Into wukuthi manje ungathola umbono esingafuni Inkomba kuphela, kodwa ngokuvamile ukuphakamisa lolu daba imali. Yini kahle hle le esikhuluma ngayo?

Akunjalo kudala babe iziphakamiso ukwandisa uhulumeni matkapital abangekho bamazwe wengane yesithathu. It unikeza imindeni ukukhokhela ruble ayizigidi ezingu-1,5. Lo mbono wabangela abantu ukuba uzindle replenishment umndeni.

Kodwa abaningi balindele ukuphoxeka. indexation okunjalo womama dolobha sinqatshelwe. Ezicela ukuba kuzo zonke izakhamizi zakulesi ukusekelwa ngokwezimali ku siyibuka ngelinye iso futhi kungakhathaliseki inani lezingane kuseli esinikeziwe umphakathi. Ngakho-ke, okwandisa imivuzo emininingwaneni yabantu ngcono ezweni akudingeki balinde amazinga esishiwo ngaphambili.

Kuyini nangenkomba?

Okwamanje esilandelayo, azinake - kuba ukudalulwa nomqondo nangenkomba. Kakade, ukungabondli wonke umuntu uyaqonda ukuthi lisengozini. Futhi ngokuvamile, kungakhathaliseki kukhona eside ezihlobene ekukhokhweni cwaningo?

Empeleni, yebo. Yenkomba - ukukhulisa izinkokhelo, kuye emali kuleli zwe. Lesi isilinganiso isiza ukugcina inhlalakahle izakhamizi mayelana ezingeni elifanayo. Kodwa ngaleso emoluments efanayo ecaleni inikezwe, ukwanda ubukhulu.

Yenkomba womama dolobha empeleni senzeka. Kodwa abaningi ukuyibiza umane okwandisa. Ngakho-ke kubalulekile ukuba baqonde ukuthi uhulumeni akanayo sidebeselele izimali wafunda.

izinguquko ezimanje

Kodwa ezikhathini crisis kubalulekile ukuze bavumelane izinyathelo ezithile. Kugcine okukhonjiwe womama dolobha senzeka ngo 2015. Futhi kusukela mzuzwana inkokhelo anda. Lokhu kwenzeka naphezu kokuba ukukhula okunamandla emali eRussia.

Ngakho-ke, kwakungekho indexation ngo-2016. Okwamanje, izingxoxo bangaphansi indlela ukwandisa matkapitala izinkokhelo 2017. Kuthiwa inkokhelo yemali namanje kuyokhula. It kuphela uhlala balinde kuze onyakeni omusha. Ngasekupheleni 2016 kuyothiwa ncamashi eyaziwa ozoba okukhonjiwe noma cha.

Yenkomba izindlela etholwe

Usayizi indexation umzali dolobha incike emali esikhathini esithile. Plus-akhawunti isimo isabelomali isimo yokutholwa eRussia. Kuye kuthiwe ukuthi imali ekhishwa ukuzalwa izingane kwesibili noma izikhathi ezilandelanayo, akazange senyuke 2015. Futhi konke ngenxa yesimo kwesabelomali isimo kanye nenhlekelele.

Umbuzo eyenza abaningi bacabanga - nokuthi kukhona lukhonjwe womama dolobha, lezo kakade okwase kuthiwe wathola? Uma ngo-2016 izakhamuzi bahlelekela isitifiketi, futhi 2017 kwenzekani ngempela izinkokhelo yokufaka, lokho lemali kuzodingeka ukuba ulindele?

Lowo siyofakwa 2017 Iphuzu liwukuthi isitifiketi esikhishwe Pension Fund yeRussia, isekela nangenkomba. Futhi uma uthatha idokhumenti kwakho ngomnyaka owodwa, bese ulinde nesanda izinkokhelo, bese kuphela ukuyisebenzisa, kuba isamba esisha kuyokwenzeka.

ibhalansi

Kuthiwani uma matkapital awuzange zisetshenziswa ngokugcwele? Kuqondane ukuthi izakhamuzi zithola isitifiketi, bese kancane kuphela "kusebenze" ke. Ingabe ngokobungako womama dolobha Kulezo zimo? Phela, inani eligcwele luyanda!

Zonke ezinye, futhi. Uyobizwa ngokobungako nje umemukeli engafuni ukuyisebenzisa futhi imali. Okungukuthi, iphesenti ezithile ukwandisa imali kuyoba, kodwa hhayi zizinkulu enanini eliphelele.

Ngakho-ke, ukukhomba linendima ebalulekile kwabaningi. Kuvumela ecaleni inikezwe, ukusebenzisa ethile imali nokuba singalahlekelwa lutho ngenxa ekuphumeni izinga lokwehla kwamandla emali kuleli zwe.

Lapho Inkomba?

Abantu abaningi bayazibuza, uma kukhona kokufakwa ohlwini inhlokodolobha umzali. Ukuze siphendule lo mbuzo kunzima kule nkinga esibhekene nayo manje. Ngokuvamile, okwandisa umumo wezimali abazali iphutha ngonyaka. Ngokuvamile kuMasingana njalo ngonyaka ngamunye. Kodwa ukuze uthole olunye ulwazi mayelana nangenkomba kwadingeka ukuba sihlale njalo siqaphele.

Futhi manje-ke akuyona nje nesithakazelo izindaba zakamuva mayelana dolobha womama, kodwa futhi ukwazi ngempela lapho ukuthela kwalo kwakuyokwenzeka. Konke azishintshile. Uma indexation e 2017 izobanjelwa ke ngabona ukuthi ngoJanuwari. ngezikhathi ezithile kuphela ukwandisa izinkokhelo kungaba kwenziwe phakathi konyaka - ngoJulayi noma Agasti. Ngakho-ke, ngo-January, izakhamuzi uzoba nelungelo lokuthola dolobha womama anda.

ngonyaka

Abaningi bazibuza ukuthi kwenzeka kanjani izinkokhelo kwandisa isikhathi lafundvwako namuhla. inhlokodolobha nokubeletha (lukhonjwe yi ngonyaka sokukhishwa isitifiketi esethwe ngezansi) washintsha sina. Ekuqaleni woMbuso ngokwezimali isifakwe izakhamuzi abanomlando umndeni nezingane 2nd nezincane ezingaphezu. Lesi simo eye yasinda kuze kube yilolu suku. Ngaphandle ukuthi ubukhulu izinkokhelo anda. Uhlelo ukwesekwa emindenini nezingane eziningana waqala ngo-2008. Kusukela ngaleso sikhathi, izakhamuzi wathola izinkokhelo ezilandelayo (iminyaka);

• 2008 - 276 000 250 ruble;
• ngo-2009 - ayizinkulungwane 321 162 ruble;
• 2010 - 343 378 ruble;
• e 2011 - 365 ezinkulungwane ruble 698;
• 2012 - 387 640 ruble;
• e 2013 - 408 960;
• 2014 - 429 ezinkulungwane ruble 408;
• e 2015 - 453 026 ruble.

Yenkomba womama dolobha awuzange kwenziwe 12 ezedlule. Ngakho, ngo-2016, lokhu kukhokha kwaba okufanayo njengoba ngo-2015 Lokhu kusho ukuthi 26 453 000 ruble sonke sasifika imikhaya ofake isicelo matkapital.

amaphesenti

Into elandelayo izakhamuzi nesithakazelo - silingana okukhonjiwe womama dolobha. Phela, amaphesenti kungasiza wena ukubala malini imali ezitolo kakade ingxenye esetshenziswa izitifiketi.

Kuye waphindaphinda ethi ukuthi inkokhelo Zamagama AseBhayibhelini wafunda ngo-2016. Ngakho-ke, kule nkathi iphesenti isikhathi uyalingana 0. Ngokwazi izinkokhelo anda eminyakeni? Kusukela ngo-2008 kuya ku-2015 obanzi, le indexation kwaba ngokulandelana:

• 10.5%;
• 13%;
• 10%;
• 6.5%;
• 6.0%;
• 5.5%;
• 5%;
• 5.5%.

Ngakho, ngo-2008, indexation lokwaba ngemaphesenti lali-10.5 futhi ngo-2015 - 5.5. Futhi kulezi amabanga sihlelelwe afeze okunye ukwanda yokukhokha. Uma kuwukuthi nhlobo. Kuleli qophelo embhalweni 2017, uHulumeni uhlongoza azonyuka ngo 5.5% dolobha ikhokhwe.

Imibhalo ukuhanjiswa

Yenkomba womama dolobha - lena osemqoka ekusekeleni abantu nezingane eziningana. Ngo-2017, ukwanda izinkokhelo kulindeleke izuchamoy. Kodwa kungashiwo kanjani etholwe? Okudingayo kubazali? Yiqiniso, i-ngemva kwakukhona 2 noma ngaphezulu ingane izakhamuzi. Akunjalo ngempela ngokushesha.

Imibhalo ukuthi kudingeka anikeze okulandelayo ukuze Pension Fund:

• passport abazali ';
• izitifiketi zokuzalwa kwabancane;
• ukutholwa amaphepha / Ukwamukelwa (uma ekhona);
• isicelo;
• SNILS zonke izingane kanye isicelo.

Akukho okunye okudingekayo. Le mibhalo zinikwa RPF ke isitifiketi ekhethekile esikhishwe umndeni. It umamukeli izofakwa ohlwini, kanye lemali ukuthi ukubeka ngesikhathi Ukukhishwa. Khumbula ukuthi lapho Indexing ke ngempela uzobe recalculated. Kodwa ukushintsha isitifiketi ayidingekile. Uma usebenzisa dokhumenti ngeke ngokuzenzakalelayo recalculate ukheshi. Phakathi nalesi sikhathi umuntu akufanele ukhathazeke.

okutholakele

Kugcine okukhonjiwe womama dolobha senzeka ngo 2015. Kuze kube manje, ukwanda leli cebo inkokhelo ukuze, kodwa akekho owaziyo uma kuyoba. Eqinisweni, ukukhomba Kubalulekile sabantu. Inani izinga lokwehla kwamandla emali liphuma. Futhi ekugcineni ikhokhwe imali kungaba cishe engenamsebenzi. Ngakho-ke, ngezinye izikhathi kuyadingeka ukuchitha izinzuzo okwandisa.

Ngo-2017, inhloko-dolobha uhlelo womama ukushiya ngisho ukwandisa. ruble Cishe ukuba 495 000. Ngakho-ke, kunethemba lokuthi kokufakwa ohlwini namanje aphethwe. Asikwazi ukulandela kuphela izindaba zakamuva bese ulinda ukwanda izinkokhelo. Nakuba usenkingeni lanamuhla, inhlokodolobha umzali ningakwazi nonke zisuswe. Kuze kube manje, uhlelo kuxhaswa kuhulumeni enwetshiwe kuze 2020. Kodwa lokhu akusho ukuthi akunakuba khansela esiphuthumayo.