Ngamunye impesheni isici - kuba ... Ukubala zomshuwalense ingxenye ifomula entsha impesheni

Kusukela 2015 impesheni ibalwa ngaphansi ifomula entsha. Ilungelo lokuthola inkokhelo yabantu naleso 30 noma ngaphezulu amaphuzu zanqwabelana. Lesi simo ethinta amalungelo abantu abanesipiliyoni esincane. Imininingwane engeziwe mayelana ifomula entsha, funda ku.

isimiso

Ngaphambili, izimo ezimbili adingekayo sibalo izinzuzo:

• engu ezibekwe (60 - I-amadoda, 55 - kwabesifazane);
• ukutholakala komsebenzi nakho (eminyakeni sihluke iminyaka 5 kuya 25).

impesheni luncike ubude amazinga okuphila. Kusukela 2001 kuya ku-2014, kwadingeka value njengoba amaprimiyamu. Zivame yakhiwa 14-16% emali nyangazonke. Kusukela 2015, isici esisha - umuntu impesheni isici. Lona inani amaphuzu eminyakeni. Ukuze bathole lezi zinzuzo, udinga ukusebenza kwenani elithile iminyaka nezinga iholo lapho inani iminikelo ikhokhwe kuzodlula umkhawulo ezingeni lomthetho.

Ingqikithi yalo entsha uhlelo zokuhlala Kuyaphawuleka ukuthi zanqwabelana ngesikhathi amalungelo impesheni umsebenzi aguqulwa ku amaphuzu. In sum yabo ke kubalwa ngesilinganiso inzuzo. Ukuze sithole IPC zanqwabelana, kubalulekile ukuba bahlukanise inani iminikelo bahlolwa kuyinsakavukela - umkhiqizo tariff esiphezulu namaholo esiphezulu kuthiwa intela.

Uma umuntu uthola ngonyaka izinkulungwane 568. Deda., Iqoqa esiphezulu amaphuzu 10. Inani eliphelele inkokhelo futhi Coefficient sishintsha njalo ngonyaka. Ngu 2025, lapho uhlelo kuzokwethulwa ngokugcwele, lezi zinyathelo ezimbili kuzokhulisa kakhulu. Kuleli qophelo, ingxenye zanqwabelana impesheni bazokwazi ukuthola abantu kuphela buthelela 30 noma ngaphezulu amaphuzu. 2015 yokukhokha sokuguga inikezwa uma kukhona 6.6 amaphuzu. Minyaka yonke izinga kuzokwanda 2.4.

Njengoba uhlelo olusha usebenza

Abantu abaningi baqala ukusebenza e-USSR. Balindele ukufinyelela iholide esasiwafanele esikhathini esizayo esiseduze. Usayizi izinzuzo zabo uyophinde zincike anqwabelene ngabanye impesheni Coefficient (amaphuzu). Ngesikhathi 2001 ukunquma inani impesheni, okuzokwenza ke ibe le okuza.

Ngokwesibonelo

Petrov wasebenza wobunjiniyela. On 31.12.2014 wabeka impesheni ruble 10.030, esakhiwa inkokhelo olulodwa (ruble 3935.) Futhi umshwalense -. Ruble 6095. Yini ukubaluleka kwakhe ngabanye Coefficient yempesheni 2015?

IPK = 6095: 64.1 = 95.

ruble 64,1. - uhlu kulusizo 2015

Ukuze izinzuzo isilinganiso kudingeka buthelela amaphuzu okungenani 100. Lokubaluleke kakhulu iyona ngabanye isilinganiso impesheni. Indlela ukubala inani izinzuzo abantu abasebenza?

1. Coe = + PKI ukuba 2015 Ngemva 2015 PKI.

Inkomba yesibili ibalwa njengoba isamba okuza esikhatsi ngasinye nokubika:

1. impesheni Umshwalense =-IEC × izindleko amaphuzu.
2. Benefit = yokukhokha fixed + impesheni Insurance.

izici

Usayizi Coefficient ngabanye kwempesheni kuncike:

• Umkhawulo imali ukuze ukhokhe iminikelo;
• izindleko amaphuzu, okuyinto okukhonjiwe ukwehla kwamandla emali.

Ngo-2015, inani eliphezulu inkokhelo, nge 'iminikelo baba izinkulungwane 711. Hlikihla. Nge imali enkulu ezibanjwayo azivumelekile. Nge izinga 16% e isabelomali isimo wathola ayizinkulungwane 113,76. Hlikihla. Thina ukubala esiphezulu ngabanye impesheni isici.

Ngokwesibonelo

Petrov uyaqhubeka ukusebenzela iholo ayizinkulungwane 25. Hlikihla. Nale lemali iyadonswa unyaka ngamunye izinkulungwane 48. Hlikihla. PF. Over 2015 ngabanye rate umhlalaphansi kanjani ukubala?

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

Petrov angacela zokubala kabusha kwalezi iminikelo. Kodwa ngisho kulokhu ubhekwa amayunithi 1.8 kuphela.

Inani lamaphuzu adingekayo e 2015

Ngokucaca, sisebenzisa etafuleni.

ngabanye impesheni inani lenzalo yonyaka - isibalo amaphuzu wathola izinyanga 12, noma izinkathi ukuthi zifakwe kwirekhodi. Kukhula iholo, ayanda IPK. Umthetho uhlinzeka ngeminyaka 6 shintsho, phakathi kwesikhathi lapho nemibandela izobe kancane kancane some.

Ngamunye impesheni isici - inani amaphuzu ukuthi anikezwa hhayi kuphela inkathi yomsebenzi, kodwa endabeni izinhlobo ezithile "Ukuphumula."

Inani zanqwabelana futhi zaba izinkomba ngo-2016 futhi ingatholakala ku- PF. Ngisho ne IPK zanqwabelana kakhulu kunakwe 7,83 amaphuzu ngo-2016 futhi 8.26 - e-2017.

Ngokwesibonelo

umphathi eziphezulu abasebenza kusukela ngo-2010 ku-wemali yonyaka ayizinkulungwane 100. Hlikihla. Eminyakeni engaphezu kwengu-5 nakho njalo ngonyaka wazakhela amaphuzu 10. Esinye 20 esivela 2015 kuya 2017, inani IPK zanqwabelana: 7,39 + 7,83 + 8,26 = 23,48. Ngokomthetho, kuthatha okungenani engu-15 eminyakeni engu-service. Ngokuhamba kweminyaka 7 elilandelayo sisebenti anqwabelene 77,4 amaphuzu. Ubude is kunakwe 107,44 amaphuzu. Ngamanani zamanje, impesheni umphathi phezulu kuyafana ukuthi we impesheni ukusebenza esibonelweni odlule.

Inombolo IPC is recalculated ngonyaka. Lokhu kulinganisela incike ezingeni inkokhelo kanye nokunciphisa ezibanjwayo, ezimila ngokushesha okungaka. Ngo-2015 bona kunyuke ngo-14%, kanye komholo - ngo 9%. Ngakho musa ancike usizo lukahulumeni lapho usukhulile futhi ukucabanga mayelana nezinye izindlela ukuqongelela impesheni.

imibandela emisha kanye nemibandela

Ngamunye impesheni isici - uhlobo ukuhlolwa amalungelo umsebenzi phakathi kwamamaki. Minyaka yonke nohulumeni umisela intengo 1 phuzu ngokulandisa ikhomba ke ukwanda kwamanani. impesheni Umhlalaphansi siqukethe yokukhokha fixed kanye ingxenye ukuthi izinsiza ezincike PKI. Izindleko 1 isilinganiso at 01.01.2016 - ruble 74,27. wenkokhelo esinqunyiwe - ruble 4558,93. Ukuze uthole isibonelelo ngo-2016, umuntu kumele:

1. Usuneminyaka ethile.
2. Have kwesikhathi umshwalense zeminyaka 6.
3. Buthelela 6.6 amaphuzu.

Uma okungenani eyodwa izimo is hhayi bahlangana, umuntu kuphela inelungelo impesheni zomphakathi.

Izinzuzo Ububi

I ukunganeliseki eyinhloko ochwepheshe ukuthi ubukhulu izinkokhelo esizayo kuyoba nje ngaphambi kokuthatha umhlalaphansi. Le mali ngeke ibalwe njengoba umkhiqizo IPK zanqwabelana izindleko zabo ngonyaka ka izinjongo yokukhokha. Isibalo yokugcina ibalwa sokuhlukanisa kuhlelwe PF izimali nenani amaphuzu zanqwabelana wabo bonke abahola impesheni.

Eqinisweni, uhlu ngabanye Coefficient impesheni (IPC) lomuntu oVikelwe kuzoncika izimali PF. Lokhu kuyonciphisa ingozi ukuntula. Ngesikhathi esifanayo, izazi zithi indlela yokubala awunasilinganiso ngumthetho.

Inkinga yesibili wukuthi abaseRussia namanje uyaqaphela ukuqonda kabusha entsha. Emazweni athuthukile bachitha isikhathi esiningi ekuchazeni zonke ezicashile labantu.

Kancane kancane zandise ubude obuncane yesevisi (ezingu-12 ngonyaka). Ngu 2024 kuzoba iminyaka engu-15. Nale nesipiliyoni PD iba 95% wesibalo sabantu.

Lonke inani inzuzo ikhokhelwe ibalwa ifomula:

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

• PV - lwemihlomulo;
• PKI - zanqwabelana amaphuzu;
• K - iphrimiyamu oyikhokhela ngasekupheleni umhlalaphansi;
• ST - iyunithi izindleko PKI.

kwamangqamuzana sibalo

Indaba elandayo engu umhlalaphansi uvusiwe ngokuphindaphindiwe. Abasekeli phikisana umbonwabo, isidingo zokwehlisa imali eshodayo PF. Abaphikisi baye bame kwelokuthi for umhlalaphansi kamuva kuyadingeka ukuthi abantu kwadingeka indinganiso ehloniphekile nawo ezingeni lekuphila. Ukuze sikhuthaze labantu, isimo usetha IPK okusezingeni eliphezulu kanye multipliers ukuba inkokhelo emisiwe. It is futhi ehlela ubuyekeze uhlu ukuzibonakalisa, abameleli okuzoba umhlalaphansi etholakalayo ekuseni, izimo emsebenzini (isigaba eziyingozi azosethwa ephakeme Coe) kanye nenani umshuwalense (isigaba sabasebenzi eziyingozi, izinga eliphakeme). Lokhu ezolinganisa uhlelo sizonikeza imithombo PF yokukhokha ekuseni.