Iyo imwe yepenji coefficient is ... Kuenzanisa kwehushuwarisi chikamu chepenheni maererano neyomufomu mutsva

Kubvira muna 2015, penhesi inotaridzika kushandisa shanduro itsva. Vanhu vane makumi matatu kana kupfuura vakagadzirirwa pfungwa vachakwanisa kubhadhara. Izvi zvinokanganisa kodzero dzevanhu vasina ruzivo rwakawanda. Dzimwe tsanangudzo pamusoro peiyo fomu itsva inodzidza zvakare.

Principle

Pamberi pacho, mamiriro maviri akafanirwa kuverenga kubatsirwa:

• Kusvika kwezera rakasimbiswa (60 kumurume, 55 kuvakadzi);
• Kuwanika kwechiitiko chebasa (mumakore akasiyana kubva pamakore mashanu kusvika ku25).

Kukura kwepenjeni kunomirira urefu hwebasa uye nehuwandu hwekuwana mari. Kubva muna 2001 kusvika muna 2014, mari yemari yepurijisi yakanga yakakoshawo. Vaiwanzoverenga 14-16% yemari yaipiwa pamwedzi. Kubva muna 2015, chimwe chinhu chitsva chakaonekwa-mumwe munhu wepensiti coefficient. Ichi ndicho chiverengero chepfungwa kwemakore ekushanda. Kuti uwane rubatsiro, zvakakosha kushanda imwe nhamba yemakore ine mubairo wehomwe apo mari yemaripo yakabhadhara inopfuura kudarika yakagadzwa nemutemo.

Chinokosha chekugara patsva chirongwa ndechekuti kodzero dzepensheni yakawedzerwa munguva yebasa dzinoshandurwa kuva nharo. Chiyero chemari yacho inotarirwa maererano nehuwandu hwavo . Kuti uone kuunganidzwa kwePKI, iwe unoda kugovana muwandu wezvipo zvakarongerwa kuva muyero-chibereko chemari yepamusoro uye yemari yemari, zvichienderana nemitero.

Kana munhu akagamuchira mabhiriki 568 zviuru pagore, anounganidza huwandu hwemashoko gumi. Muganhu wemari nemari inoshandurwa gore negore. Pakazosvika 2025, apo purogiramu yacho yakanyatsobudiswa, zviratidzo zviviri izvi zvichakura zvikuru. Nenguva ino yakawana chikamu chepenheni ichawanikwa chete kune vanhu vanounganidza makumi matatu kana kupfuura. Kwegore ra2015, zvikomborero zvekare-kare zvinopiwa nematanho 6.6. Gore roga roga chiratidzo chacho chichawedzera ne 2.4.

Izvo hurongwa hutsva hunoshanda sei

Vanhu vazhinji vakatanga kushanda muUSSR. Vanotarisira kuenda kune zororo rakakodzera mumazuva anotevera. Chiyero chemari yavo chichawedzerwawo pane zvakawanikwa nemamwe mapeji coefficients (pfungwa). Nokuda kwebasa kusvikira muna 2001, mari yehushandi yeupenshu ichagadziriswa, iyo ichazoshandurwa kuva coefficients.

Muenzaniso:

Petrov akashanda seminjiniya. Kubva musi waDecember 31, 2014 ane kodzero yepenjeni yeRubles 10 030, inosanganisira kubhadhara kumwe (3935 rubles) uye inshuwarisi - 6095 rubles. Iko kukosha kweiyo muga wepenjeni coefficient ya 2015?

IPC = 6095: 64.1 = 95.

64.1 rubles. - kukosha kweyero imwechete kubva muna 2015

Kuti ugamuchire mukana wekugadzirisa, iwe unofanirwa kuunganidza mazana zana. Mumwe munhu wepensiti coefficient inokosha zvikuru. Nzira yekuverenga sei mari yezvipo kune vashandi?

1. PKI = PKI isati yasvika 2015 + PKI mushure me 2015.

Chiratidzo chechipiri chinoratidzirwa sehuwandu hwenhengo dzezvekuita panguva imwe neimwe yekutaura:

1. Inishuwarensi yepensheni = PKI × Mari yezvikamu.
2. Kubatsirwa = Kubhadharwa kwakakwana + Inishuwarenzi.

Zviitiko

Kukosha kwemunhu wepenjini yakakwana kunobva pa:

• Denga pane mari yezvipo;
• Kukosha kwezvikwereti, izvo zvakakonzerwa nehuwandu hwekutengesa.

Muna 2015, muwandu wehuwandu hwemaripo ine michero inobhadharwa, yaiva mabhiriyoni 711 zviuru. Nekukura kukuru, hapana kubhadhara kunoitwa. Pamuzinga we16%, bhajeti yehurumende ichawana 113.76 zviuru rubles. Isu tinoverenga yakawanda yega rega penheji coefficient.

Muenzaniso:

Petrov anoenderera mberi kushanda mushandi we 25 000 rubles. Nechiyero ichi, mazana makumi mashanu emabhesi anoshandiswa gore negore. Mu PF. Kwegore ra2015, ungaverenga sei mumwe wepenji coefficient?

(48 000: 11 3760) x 10 = 4.22.

Petrov angangokumbira kugadziriswa kwezvipo zvakanyorwa. Asi kunyange munyaya iyi, 1.8 chete mauniti achabvunzwa.

Nhamba yezvikamu zvinodiwa muna 2015

Kuti zvive pachena, ngatishandise tafura.

Gore rega rega penhoe coefficient inhamba yezvikamu zvakapiwa mwedzi 12, kana nguva iyo inowanikwa murefu hwebasa. Izvo zvakakwirira mubhadharo, yakakwirira PKI. Mutemo unotanga makore matanhatu ekushandura kwenguva, panguva iyo mamiriro acho acharamba achioma.

Iyo imwe yepenji yakakwana yakawanda yezvikamu zvinowanikwa kwete kwenguva chete yebasa, asiwo kune mamwe marudzi e "nguva isina basa".

Kuwanda kwezvikwangwani zvakaunganidzwa uye zvakanyorwa muna 2016 uye mberi zvinogona kuonekwa pawebsite yePP. Kunyangwe nehuwandu hwakawedzerwa PKI, 7.83 nhovo dzinotorwa muhote muna 2016 uye 8.26 muna 2017.

Muenzaniso:

Mutungamiri mukuru ave achishanda kubva muna 2010 pamutengo wegore we 100 000 rubles. Kwemakore mashanu ezvakaitika, akawana 10 points pagore. Imwe 20 yaakagamuchira kubva muna 2015 kusvika muna 2017. Kuwanda kweakawanikwa PKI: 7.39 + 7.83 + 8.26 = 23.48. Nechemitemo, zvingasvikiki makore gumi nezviitiko zvinodiwa . Mumakore manomwe anotevera, mushandi uyu achaunganidza mamwe mazano 77.4. Zvose zvinokwana 107.44 zvinyorwa zvinotorwa muzvinyorwa. Parizvino zvigaro, penheji yemutungamiri mukuru ichave yakangofanana neyeye kushanda mubhadharo kubva pane muenzaniso wakare.

Nhamba yePKI inodzokororwa gore negore. Ichi chiratidzo chinoenderana nehuwandu hwemaripo uye kubviswa kwemashure, izvo zvinowedzera nekukurumidza. Muna 2015, vakawedzera ne14%, uye muvhareji wemari - ne9%. Nokudaro, munhu haafaniri kuvimba nezera rekare remari, asi funga nezvedzimwe nzira dzekuunganidza penheji.

Mamiriro matsva

Mumwe wepenji wekodzero yemuongorori rudzi rwekuongorora kwebasa rebasa revanhu mumakona. Gore negore, hurumende inotarisa mari ye1 point, kurondedzera iyo kuwedzera kwekutengo. Mari yehupfumi inosanganisira purogiramu yakatarwa uye chikamu chinoenderana nePKI. Mutengo we 1 coefficient pa 01.01.2016 is 74.27 rubles. Kukura kwebhadharo yakasarudzwa ndeye 4558.93 rubles. Kuwana rubatsiro muna 2016, munhu anofanira:

1. Kusvika pane imwe nguva.
2. Iva nehutano hwehushuwarisi wemakore matanhatu.
3. Unganidza 6.6 pfungwa.

Kana pane imwe yemitemo isati yasangana, zvino munhu ane kodzero yekugamuchira rubatsiro rwevanhu chete.

Kubatsira uye kusagadzikana

Kunyanya kusagutsikana kwevekwanisi ndezvekuti zvichave zvichibvira kuziva kuti mari yebhadharo yemberi yemberi inotevera musati wasara. Iyi mari ichaverengerwa sechigadzirwa cheakawana PKI pamutengo wavo mugore rekuenda kwekubhadhara. Chiratidzo chekupedzisira chinoratidzirwa nekuparadzanisa mari yakarongwa yePensheni Fund kusvika mune zvikamu zvakakonzerwa zvevose vepateri.

Kutaura zvazviri, kuongororwa kwemajeri emunhu mumwe wepenji (PKI) wemunhu akachengetwa nehupfumi achaenderana nemari yePP. Izvi zvinoderedza dambudziko rekushaya mari. Panguva imwecheteyo, nyanzvi dzinopikisa kuti nzira yekuverenga haina kugadzirirwa zviri pamutemo.

Dambudziko rechipiri nderokuti vanhu vokuRussia havasi kuona zviri pachena kuchinja patsva. Munyika dzakabudirira, nguva yakawanda yakazvipira kutsanangura mavara ose kuvanhu.

Zvishoma nezvishoma zvinowedzera huwandu hwehurefu hwebasa (kwemwedzi 12 pagore). Pakazosvika 2024, zvichava makore gumi nemashanu. Nezvakaitika zvakadaro, 95% yevanhu vanoswededzwa kune PF.

Zvose zvakabhadharwa kubhadharwa zvinotariswa nemurairo:

Pension = (PV x K) + (IPK x K) x ST, iyo:

• FV - kubhadharwa kwakasimbiswa;
• PKI - akaunganidza pfungwa;
• K - premium yekurega basa;
• CT - mari yePKI unit.

Kusiyana kwekuverenga

Nyaya yekuwedzera nguva yekurega basa yakakurudzirwa kakawanda. Vatsigiri vanopikisa pfungwa yavo nechinangwa chekuderedza kukanganisa kwe PF. Vavengi vanopikisa kuti nokuda kwekurega basa, zvakakosha kuti vagari vane hutano hwakanaka hwehupenyu. Kukurudzira huwandu hwevanhu, hurumende inogadza PKI yakakwirira uye inokurudzira coefficients kumutengo wakatarwa. Inorongwa zvakare kuti iongorore urongwa hwemabasa, vamiririri vangave vawanika kutanga mari yekubhadhara mari, maitiro ekushanda (kuwedzerwa kwePKI kuchasimbiswa nokuda kwekukuvadza kirasi) uye mari yezvipo zveinishuwarenzi (inowedzera dambudziko reboka rebasa, iyo yakakwirira yemari). Izvi zvinobvumira kuenzana kwehutano, kupa PF kune zvinyorwa zvekutanga mari.