Kugadzwa pensions: muitiro, kunyanya dzemaitirwe uye mitemo

Zvikuru vakwegura kuRussia kunokosha mudyandigere. Nhasi uchava kugadzirisa sei kuona kukura mutemo mamiriro kutsigirwa vemo vanoirima, ndiyo rwakanga rwuchibuda kuti izvi zvinoda. Kuitwa mudyandigere kuchinja kwaisanganisirei zvimwe zvachinja. About pavo hatizivi vose. Saka chii chinoratidza vachafanira kuteerera zvose nezveramangwana uye iyezvino pamudyandigere?

Mudyandigere - nayo

Somuenzaniso, chii chimwe mudyandigere pfungwa. Havasi vose vanoziva kworudzii Rutsigiro mamiriro mune mubvunzo.

Mudyandigere - a rendi imwe saizi, dzakava sezvo paruzhinji urongwa. Payouts angava pakubhadhara anoverengeka. Vari akaumba zvimwe zvinhu. Pavari huchakurukurwa.

Kudomwa mudyandigere kunoitika chete kana vaita zvaanoda. Kune vazhinji. Ivo vanovimba zvakananga pamusoro hworudzii wehurumende rutsigiro zvinobatanidzwa.

marudzi pensions

Ndezvipi mudyandigere kubhadhara? Pari, zvinotevera kusiyana kukuru pakati pensions muRussia:

• kukwegura;
• urema;
• basa;
• akapona;
• ukuru;
• chengetedzo;
• hwaro.

Kakawanda chinoreva basa pensions muripo. Ivo vanotumirwa vagari vose vabudirire mumwe ukuru. Zvisinei, vamwe matanho ose ehurumende kutsigirwa ndiko chisingafaniri kukanganwika.

Age uye ruzivo

Uye kana iwe unogona ibatsirwe rwemari kwakadaro? Dzinokosha mamiriro ezvinhu ayo kuurayiwa ndiwo mugari zera uye kushanda ruzivo. Nokuti mudyandigere munhu anofanira wasvika rimwe zera uye kushanda yakananga akawanda. Kunyange zvakadaro, pasina chero ukuru pamudyandigere Hakungatozongosiiwi pasina nechouviri. Achiri kuda kubhadhara mudyandigere. Asi kwete kukwirira. Izvi ichakurukurwa pashure.

MuRussia, varume nevakadzi nhasi regera panguva mazera akasiyana. Strong hafu nzanga anekodzero kuwana zvakakodzera zororo mumakore 60. Vakadzi asi regera nemakore 55. Panguva iyoyowo kubvumirwa kuita basa rake.

Basa ruzivo mune Russian Federation - iri ukoshi kwenguva yakati zvino nguva dzose kuwedzera. Muna 2016, zvakanga zvakakodzera kuti kushanda kwete asingasviki 5 years. Muchiitiko chino, unogona kukodzera kuti mudyandigere mudyandigere. Uye muna 2017 shoma urefu basa yakawedzera makore 7.

Kusvikira 2025, Russia ine hurongwa anatsiridze zvinodiwa kuti mudyandigere. The Hurongwa zvinoda kuwedzera shoma basa ruzivo makore 15. Asi zvinofanira kucherechedzwa kuti pane vasiri kushanda nguva, izvo achanzi sezvo basa.

About unearned nguva

Chii chaizvo ratiri kutaura nezvaro? Maererano nemitemo, haisi nguva dzose munhu anofanira kushanda uye kuwana basa ruzivo. Zvadai, kushaya pamutemo basa asingadi kuvhiringidza kuwana zvishoma zvakakodzera kuti chinangwa kutsigirwa mamiriro pakukwegura.

By unearned nguva, izvo ichakurukurwa sezvo basa dzinosanganisira:

• vatarisire achangoberekwa;
• atarisire munhu akaremara anopfuura 80 makore;
• muchiuto;
• kugara nomurume wake basa munzvimbo nebasa matambudziko vokuparidzira;
• nguva okutambirwa kwekanguva kuremara kana urovha;
• atarisire munhu akaremara mu Group 1;
• zvisiri pamutemo kugara mujeri;
• nguva dzokugara nemadzimai / varume vamiriri uye consuls kunze.

Saka, zvinokwanisika here vanoshingaira kushandisa zvose nguva kuti ukuru. Asi chinhu chimwe nechimwe chine pachake zvachiri. Somuenzaniso, kana munhu mugari rakagadzirwa Somutarisiri kuti munhu akaremara, yapera iyi, anofanira kuwana kushanda zviri pamutemo. Vakaroorana kuti vamiriri uye consuls ukuru dzakava kuti kurarama kunze Russian Federation, anogona haapfuuri 5 years. A makore 6 anowanika rokuchengeta vana makore 1.5 (vanosvika 4 vana).

Hurumende anodana vanhu kuti zvinoshingaira kushandisa zvose unearned nguva kuitira kuti vakanga inosimbiswa munhu mudyandigere panguva waakaudzwa chechetere.

pamudyandigere

Zvadai, anogona kuva pamudyandigere mangwanani. Izvi zvinotora nzvimbo uye kushingaira kushandiswa kwevanhu. Kodzero mangwanani kugadzwa pensions nokudzorwa Federal Law №400 kubva December 28, 2013. Chii kudini?

Vamwe vanhu pasi dzakananga ezvinhu kodzero yekuti zvakakodzera zororo pamberi vamwe vagari. Chikonzero ichi mamiriro ezvinhu, zvinotevera zviri:

• achiita basa ngozi kana rinorema;
• vanoshanda munzvimbo nemauto (healthcare, dzidzo, rinoitirwa);
• kushanda sezvo vezvikepe kana kugara pakati vechikamu kuti zvikwata;
• Kana mugari ane ruzivo nebasa iri Far North uye muna mamwe mativi, yakaenzana nayo.

Izvi hazvisi mishoma chaizvo. Asi ndiye, ari kudzidzira, kunoitika kakawanda. Zvakakosha kuyeuka kuti chinangwa mudyandigere rinowanikwa pamberi mugari kanenge 30 mudyandigere pfungwa. Mune mamwe mamiriro ezvinhu, unoda zvakaderedza chamazuva basa kana kuti asvike yakananga zera.

zvinoumba mudyandigere

To musi, mudyandigere kubhadhara zvinosanganisira 3 huru zvinoriumba. Pakati pavo vane:

• zvaiva mugove;
• mari;
• inishuwarenzi.

Vachibhadhara izvi chichagadzirirwa kutsigira kukura vanogara mamiriro wacho. Izvo zvinoreva mumwe nomumwe wavo?

Mujinga chikamu chinonzi wakaiswa kubhadhara mari akatsunga nehurumende. Zvakakosha kuramba yevagari.

Mari chikamu - zvinganzi kupa kuita mugari wenyika mushandirwi. Mipiro mudyandigere Fund. Ane kodzero kushandisa nhengo mipiro. ari accumulative chikamu mudyandigere Fund iri pakutsvaga kukura mari yezvinhu zvose akaita.

Chikamu inishuwarenzi pamusoro pensions - inenge nekuripira mufambiro basa Russia. Kuti rinonzi basa. It zvinoenderana ya basa, muhoro kuti kupiwa chinzvimbo, uyewo zera paiva mudyandigere.

On nemitemo kuverengwa

Chinoita basa rinokosha, sezvo yave akati, kuripwa basa mhando. Kudomwa mudyandigere - iri rinokosha chaizvo nuance. MuRussia, paiva nyore hurongwa pakuverenga mari ngarira vachibhadhara.

Maererano mashoko ichangobva yakabva mudyandigere Fund kweRussia, vagari kuwana kukura mamiriro kutsigirwa vemo sezvinotevera: - vawande uwandu mudyandigere pfungwa vaunganidza pamusoro hwose pamwe mari imwe chete pfungwa. Next, kusvikira kunoguma Verengai kuwedzera zvinhu mudyandigere. Vanogumurwa mudyandigere, yakatarwa nehurumende.

The chikuru dambudziko iri kuverenga huripo mudyandigere pfungwa, uyewo kuti vawane ruzivo pamusoro mutengo zvakadaro pfungwa. zvinoriumba izvi vanochinjwa pagore. Muna 2017, imwe nguva ndewe 78 rubles kopecks 28. A nechepasi payout ndiyo 4805 rubles 11 cent. mashoko akadaro kuhupenyu yaFebruary 1, 2017.

Indexing

Mudyandigere mari muRussia dziri indexed pagore. mhando iyi nechiyero kutsigira vakaremara vanhu chine musoro ezvinhu. Kazhinji, Indexing rinoitwa 2 pagore. Kugadzwa kuva mudyandigere asingadi kukanganisa ose eliminations kutora kushanda kwaita.

Muna 2017, indexation haana akaita. Panzvimbo pensioners akavimbisa mukanyiwa Verengai mubhadharo mu uwandu 5000 rubles. Akadaro kumanikidzwa nechiyero. Akanga vakabvuma kuti mamiriro ezvinhu akapararira munyika dambudziko.

Kunyange zvakadaro haana chose kupedza indexation. Zvinokwanisika kuverenga zvakare. Recalculation pamusoro pensions rinoitwa neHurumende. Funga kuti izvozvo zvaitwa, haufaniri.

mumagariro mudyandigere

pensions basa mamiriro zvakasiyana. Havasi vanhu vose vanogona kuwana mudyandigere zera zvakakodzera basa ruzivo. Muchiitiko chino, vanogona kuvimba evanhu mudyandigere.

Asi zvichiri zvakakodzera kuchengeta zvimwe zvinhu nyore. zvinoti:

1. The mugari anofanira rupi yeRussian Federation kwemakore anenge 15. Kana zvachose kugara nyika isati akati nguva.
2. Svika chaiyo zera. The Social mudyandigere anoiswa vagari vose, asi vakabhadhara gare gare basa. Vakadzi kundoitora makore 60, uye varume - muna 65.

Hapasisina zvinodiwa ikoko. Kukura evanhu mudyandigere hakusi yakakwirira sokune zvebasa muripo.

On kugadzwa

Chii chinodiwa kuti tiwane hurumende rutsigiro vakwegura? Chii nzira zvikunde munhu mudyandigere? Where uchida kushandisa kuva pamudyandigere?

mugari ose achiita zvaidiwa ezvinhu kare dzakanyorwa vanofanira kuuya miganhu mudyandigere Fund weRussia, uye kunyora mashoko pamusoro kugadzwa pensions. Naye kunounza zvimwe zvinyorwa. The Pamazita kunoenderana muchikwata che mugari.

Most kazhinji zvinoda:

• Chikumbiro fomu (akaendeswa FIU, yazara panzvimbo);
• ID (pasipoti);
• SNILS;
• Mashoko ari munyaya yacho iyo uchida kushandisa mari (zvimwe, asi kwete hazvo);
• chitupa mhuri sezvamunoita (optional);
• zvekuzvarwa vose vana;
• ID uto (varume);
• chitupa zvinoratidza zvimwe vasiri kushanda nguva, izvo ichakurukurwa sezvo basa;
• kushanda bhuku;
• zvinyorwa achisimbisa mufambiro bhizimisi basa (kana).

Hapasisina Magwaro zvinoda. Kugadzwa uye kubhadhara pensions rinoitwa mu pfupi mutsetse. The mazita zvaida mapepa dzinosiyana-siyana zvichienderana nemamiriro ezvinhu. Kakawanda zvakafanira kuisa gwaro vakaremara.

mhedziso

Kubva zvino, zviri pachena, sezvo kugadzwa basa mudyandigere kuitika kana chero. Mugadziriro pakuverenga mudyandigere rinozivikanwa. In Russia muna achangopfuura makore zvikuru ndiyo paumbwe accumulative chikamu pensions. Kakawanda vagari kuti mipiro yokuzvidira kuti private mudyandigere mari, ipapo kugamuchira kubva mari vakaumba vamwe mari.

The mudyandigere gadziriro the Russian Federation - imwe nzvimbo zvikuru kunzwisisa woupenyu vemo. Zvinonzi dzichichinja. Naizvozvo, kuchinja kuva nechokwadi ose mugari. Kugadzwa kare-zera mudyandigere, kufanana mumwe, haungavhenekeri zvinetso yevagari.