Iminikelo izimali ze-non-kwesabelomali: isikhathi kanye nomthwalo wemfanelo

Iningi labantu abasebenzi Russian. Ukuze umsebenzi bakhokhelwa. Ibhizinisi iyadingeka ukuze isisebenzi ngasinye ukwenza iminikelo izimali extra-kwesabelomali.

Umuntu bhalisiwe njengoba usomabhizinisi ngamunye, kwenza izinkokhelo. Futhi inani ezibanjwayo akuxhomekile wathola usomabhizinisi inzuzo noma cha. Ngisho noma kungakapheli nonyaka usomabhizinisi abazange baziphathe noma yimuphi umsebenzi, yena buthakathaka ubophekile ukuba enze izinkokhelo izimali ze-non-kwesabelomali:

- FSS;

- FIU;

- FFOMS.

Umshwalense Ukudluliselwa kudingeke ukuba ukhokhe ngokuphelele kuze kube 31,12 konyaka yokubika. Iqhaza Lalo izimali extrabudgetary esungulwe ngo-2012 izamba ezilandelayo:

- FFOMS - 5.10%;

- PFR - 22%;

- FSS - 2.9%.

Ngenxa yalokho, umthwalo is insured lwezisebenzi kanye osomabhizinisi ngo-2012 kuya ku-30%. Ibhizinisi ayinikeli izinzuzo. Ngesisekelo sokunquma iminikelo kuyinto ubukhulu amaholo, nime 1.01.2012, le ephambili futhi ruble 4611. Ukuze abale ukukhokhiswa ngonyaka, lesi sibalo kufanele iphindwe ezingu-12.

Iminikelo Pension Fund basakazwa izingxenye ezimbili: yomshuwalense - 16% uxhaso - 6%. Kodwa lapho iminikelo ekubaleni kufanele kukhunjulwe ukuthi osomabhizinisi abazalwa ngaphambi 1967, wenze ukukhokha kuphela umshwalense ingxenye. Abantu ezingaphansi kuka wenze zonke izinkokhelo ngokugcwele.

Iminikelo izimali zomphakathi ukukhiqiza izigaba ezilandelayo izakhamuzi:

- osomabhizinisi ngamunye, izinhlangano ezingokomthetho futhi izakhamuzi abangekho IP. Lesi sigaba kwenza izinkokhelo nezinye amaholo abasebenzi esiqashiwe. Abanikeli kule umlandu udluliselwa abaqashi. Iningi izinkokhelo ezenziwa ukuba abantu babe iholo abasebenzi.

- osomabhizinisi ngamunye, notaries, abameli abenza abazimele, kodwa ungenzi izinkokhelo ngabanye.

Kusukela 2012, abaqashi kudingeka ukuba enze ezibanjwayo ukuze izakhamuzi zakwamanye amazwe abahlala okwesikhashana endaweni WaseRussia. Kulo nyaka kwaphawula esinye emisha. Expanded uhlu lwezinhlangano ukuthi zifanelekile sokubalwa iminikelo izimali isabelomali zisebenzisa amazinga aphansi. Ziyakwazi:

- drugstores, akhokhela UTII;

- izinhlangano emsebenzini esiza abantulayo nokusebenzisa lula intela uhlelo;

- izinhlangano ezingenzi nzuzo ukuthi bekwi imisebenzi emkhakheni lesayensi nokuthuthuka nocwaningo, isiko, ezemidlalo, ubuciko, ezempilo kanye nezinsizakalo zomphakathi;

- izinhlangano ekubhekaneni ngemisebenzi yobunjiniyela (kodwa Okuhlukile izinkampani ukuthi Bangene izivumelwano ne kwezomnotho esishintshashintshayo nezokuphatha).

Uma iminikelo izimali zomphakathi ziye akazange enziwe ngesikhathi, inhlangano ke esizakukhutjhwa umthwalo. emizimbeni Special kungenzeka imali nsuku ayimpoqo. Nokho, njengoba abantu imali eningi izinhlawulo kanye inhlawulo.

Esimweni lapho izinkokhelo izimali ze-non-kwesabelomali Kuye kwenziwa ngesikhathi esingafanele, ngayinye sekwephuzile ngosuku inhlangano kumelwe ngikhokhe inhlawulo. usayizi yabo 1/300 of the rate refinancing of Central Bank of the Russian Federation. Uma umqashi akazange ikhokhwe ngokugcwele noma engenziwanga iminikelo esikhwameni, wakhipha inhlawulo ka-20% lemali, abaholelwa kancane. Kodwa lapho inkampani nge ngenhloso ethile akuyona ukwenza izinkokhelo, izimali extra-kwesabelomali anesizathu ilungelo lokukhokhisa imali eyengeziwe ka 40%.

Izinhlangano nge ifomu lyuboyu sobunikazi, ngaphezu kwe-IP, kufanele ithumele imibiko Pension Fund ngaphambi 1 Mashi. On 1.01.2012 for osomabhizinisi kudingeka kuphela ukubuyisana izinkokhelo.

Ngamunye inhlangano ukukhokhelwa ngesikhathi esifanele futhi ukulethwa kwemibiko zizabalomlandu abakhulu ezimali, ikhanda. Endabeni ukwephulwa sangamabomu bangase ukuphoqelela izinhlawulo zokuphatha kanye nomthetho wezobugebengu.