Kanjani ukubala impesheni ku wokubala yakho?

Kaningi, ngamunye wethu ezwa lo mbuzo: "Indlela ukubala impesheni?", Okungukuthi: bangaki ruble kunjalo, kodwa bambalwa bayazi impendulo efanele. Into wukuthi lolu daba kuyadida kakhulu. Ngamunye wethu angenza kuphela ukuqagela mayelana nendlela ukubala impesheni.

Okokuqala sidinga ngijwayele imininingwane ukubala. Funda indlela ukubala yempesheni - silula, kodwa kuthatha isikhathi esincane.

Impesheni ikhokhwa njalo ngenyanga kuze kube sekupheleni kokuphila komuntu, kubalulekile ukuze ahlinzeke imali engenayo abahlala ubudala futhi ube efanele umsebenzi isipiliyoni. Kunezinhlobo ezahlukene umhlalaphansi: ukukhubazeka, labadala noma osindile. Lezi zinhlobo imihlomulo yempesheni enqwabelene njalo ngenyanga, kanye nenani yabo esibekwe umbuso (zokukhubazeka futhi owasinda). Nguyena, okuyinto edingekayo ukuze sithole izinzuzo, futhi kuncike uhlobo lomsebenzi.

Njengoba eyaziwayo isimo sethu impesheni credit namadoda eminyakeni engu-60 lapho abesifazane - engu-55. Ngokwakhe ukubala inani senyanga umhlalaphansi kunzima ngempela, kodwa kusengenzeka. Uma sithatha isipiliyoni umsebenzi iminyaka engu-20 kwabesifazane, futhi amadoda - engu-25, le ndlela elandelayo okuzokwenziwa kukhonjisiwe kulesibonelo, ungakwazi ukubala yakho umhlalaphansi wenyanga okususelwa ubudala.

Pension yilezi:

1. The main okuyingxenye: iqalisa isimo ngokwayo, ushintshe inani izinkokhelo zenzeka kuye ubudala, ukukhubazeka nanoma umsebenzi ukuncika.
2. I umshwalense ingxenye: it beka kuye ngobukhulu besikhumba saleso lonke inani lemali yempesheni dolobha. Kusekelwe zihlanganisa ezilinganiselwa amafa impesheni, kanye nenani umshuwalense.
3. Ixashwa ingxenye: isethiwe kuncike nemali senziwa ukukhetha ngokuzithandela.

Kangakanani-dolobha impesheni

I pay umhlalaphansi kuhlanganisa zonke izimali eziye zanqwabelana inqubo abasebenza i-akhawunti yomuntu ehlukile. Yena eyayihambisana intela ukuthi ebanjwayo kusukela ngamunye izakhamuzi baqashwe ngokusemthethweni, okungukuthi - inkokhelo umshuwalense kanye nezinye izindleko yesikhwama sempesheni.

Njengoba kubalulekile ukubala yempesheni, ikhumbula zonke ukwanda kunokwenzeka, kubalulekile ukuba acabangele yokuthi impesheni kungenziwa kunyuke ngo-10% noma ngaphezulu, uma une isipiliyoni somsebenzi ngaphambi 1991, ngokuvumelana izinguquko izinkokhelo uhlelo impesheni. Ukubala uthatha inani leminyaka kuze 1991, bese ezinhle nezimbi iphindwe 1%. inyuka amaholo ngo-10%, kodwa hhayi ngaphezulu kuka-20%. Inani okuholela sengezwe impesheni.

Indlela esibala ngayo imali yempesheni (nokuguga)

umqashi wakho wenza% nyangazonke 20 we imali nenani emholweni wakho zoxhaso esizayo olwenze kwimpesheni yakho. Zonke izimali ekuqaleni ukuza yesikhwama sempesheni. Cabanga ngesibonelo sika-ukubala kwezimpesheni.

Ngokwesibonelo, udinga ukubala inani impesheni yokuguga, ucelwa ukuba PFR1 th May 2012. Zonke isipiliyoni msebenzi ngo-May 1, 2012 iminyaka engu-30. Isilinganiso wenyanga esingashintshi kuze kufinyelelwe esikhathini zaba ruble 8,000. Ngakho indlela ukubala impesheni ku wokubala ngeke kube lula, usebenzise lesi RP ifomula = SK * WP / ST * FFP bese uqhathanisa idatha.

UK - factor ubudala, kuba-55% ngobude inkonzo engu-25. Uma umuntu eye yaphumelela iminyaka engu-30 i-UK niyozenezelelwa 5%, ngokulandelana, iminyaka engu-20 ubudala = 50%. Ngoba kokubili amadoda nabesifazane, SC kwandisa unyaka ngamunye kusukela 0.1 kuya 0.75.

WP - kunguwe emholweni, ebalwa nganoma yisiphi iminyaka 5 ilandelana, ngesisekelo imibhalo ekhishwe ngendlela ebekwe umqashi wakho noma inhlangano kahulumeni.

FFP - idatha komholo ngenyanga edlule, uhulumeni uthi ngonyaka ka-2012.

PO - ngokwesilinganiso wenyanga esabekwa Russian Federation isikhathi iminyaka 5, ukuthi wena uyosebenzisa ukubala RR.

Landela ifomula nokumadanisa yonke idatha, ungakwazi ukubala usayizi kokukhokhwa kwempesheni lokho inyanga eyodwa noma unyaka.