Kupi uye sei kuti azive chitsama tinofanira kugara chikamu mudyandigere? Danho nedanho nhungamiro inodiwa magwaro

Kokutanga pamusoro chikamu mudyandigere iyo inogona vaunganidza, takataura muna 2001. Panguva ino uye kwave zvachinja mitemo pamwe maererano kuti mudyandigere nyaya. Paiva Pfungwa dzakadai nechigadziko, mari uye insured mudyandigere. Uyezve, mumwe nomumwe mugove mari aparadzane mumwe akasiyana manyuko mari yakagamuchirwa. Ngatimbotaura sei kudzidza chitsama tinofanira kugara chikamu mudyandigere.

Ndechipi mudyandigere, iyo inochengeterwa?

Sezvo chikazozikamwa, kutaurwa nezvazvo vakatanga kuonekwa muna 2002, mushure mudyandigere kuchinja. Kunyange zvakadaro, vakawanda makore 13 kwaiva kuchinja mutemo kuvandudza mari hurongwa. Uye muna 2015, zviri midzi kwete chete pfungwa "mari mudyandigere", asi murayiro ayo kukarukureta yakazokudziridzwa.

Pari, mutemo inopa pfungwa mbiri, izvo vasingatungamirirwi nemumwe - ndiye inishuwarenzi uye mari mudyandigere.

Vakawanda vanovhiringidzika uye haagoni kunzwisisa chii musiyano pakati pavo, uye kuti munhu mudyandigere akadaro, izvo zvinogona kuunganidza. Ose Russian mugari ane nhoroondo voga muna mudyandigere Fund, iyo kuunganidza uye mari. Tichanzwisisa iyoyo sezvo ivo zvikanzi.

Nheyo paumbwe imwe mudyandigere

Kuti tinzwisise sei mari chikamu inosimbiswa pamwedzi mari payouts kuti zvinhu nokuchengeteka vagari chokuita akwegura, zvakakodzera kudzokorora rose maumbirwo mudyandigere mari.

Pari rokuzvidavirira netsvimbo mazita kuti paumbwe ramangwana mudyandigere kubhadhara kuti 22% kubva Payroll pa mushandi. Muchiitiko chino, maererano, dzakanga mubairo, kunokonzera mari.

16% akatumira inishuwarenzi Fund uye 6% - munhu kuunganidza. Mari chikamu wacho ndiye yavo.

Nokufamba kwenguva, apo basa riri pamusoro, uye munhu achawana ake zvakakodzera mudyandigere yezororo, uchachipiwa 2 pensions - inishuwarenzi uye mari. Uye muna 2015, vagari, uyo panguva iyi ndipo makore 48 uye pasi, unogona kunyora mashoko pamusoro yezwi inishuwarenzi mudyandigere zvizere kana yokusiya. Muzadze mari chikamu anogona vomene, mimwe mipiro yenyu pachake nhoroondo, iyo panguva mudyandigere kuzvitenga mamwe inokosha mari.

Mari mudyandigere: tarisa kwayo saizi kushandisa SNILS

Tsvagurudza chitsama mari chikamu chitupa yacho mudyandigere inishuwarenzi uye ongorora chii chaizvo nemari iri yako pachako nhoroondo, uine maviri kuita:

• Kushandisa nyika yose network kombiyuta rechirume - Indaneti;
• zvakananga kuti mari yacho dhipatimendi muchengeti mudyandigere zvokudya munharaunda.

Zvose ruchabudirira kugona kwako uye vanoda kuti anodikamwa ruzivo.

Indaneti chido sei

Tsvagurudza chitsama tinofanira kugara chikamu mudyandigere pamusoro Indaneti ivepo kunyoresa pamusoro portal "mabasa Public".

nezvechisarudzo ichi ndicho nyore nyore. Ndine chokwadi vazhinji vakanzwa zvikuru zvakawanda pamusoro maitiro uye achitoita kuti account ikoko. Rinopa mukana mukuru wese Russia, apo iye haagoni chete kuwana huwandu nemari iri mudyandigere Fund hurongwa, asiwo rayirai mubereki gwaro kutsiva pasipoti kana kunyoresa mwana wako sangano redzidzo chevana.

Kuti abudirire kudzidza mari sei uine, iwe unofanira:

1. Kunyoresa hurumende mabasa portal. Izvi zvinoda kwete chete zvakananga ose mashoko nezvako uye batanidza nhamba dzerunhare wako kuvhura code, asiwo aedzwe kuti ukoshi pamusoro pasipoti uye SNILS.
2. Paakaudzwa pasiwedhi, kupinda portal uye danda riri. The pachake Nhoroondo tinya icon rinonzi "mudyandigere mari".
3. Next, akavhura Tab kuburikidza nekudzvanya bhatani kuti anotaura mashoko pamusoro pamatanda.
4. Pashure pechinguva usati vakauya mashoko ako zvinoreva mashoko waichengetwa chikumbiro.

Dzidza kuti paruzhinji mabasa portal pamusoro mari chikamu mudyandigere.

Unoziva sei mari, shandisa zvakananga muDhipatimendi of mudyandigere Fund?

Tinoenda rubatsiro kuna mudyandigere Fund

Nzira iyi ndiyo yakakodzera vaya hauwirirani paIndaneti kana nemhaka yezera ravo, uyewo mari zvemari havagoni kuchitenga.

Kuenda mudyandigere Fund panzvimbo pamutemo, ngaauye pasipoti yako uye rugwaro inishuwarenzi.

Fund vashandi kuvanyora iwe pamusoro portal zviri pachena mabasa uye kukupa ruzivo pamusoro motokari yako, kureva, zviri kuwanda mari mudyandigere une kuitika zuva.

Tsvaka rubatsiro kubva ruzivo mudyandigere Fund nyanzvi, ivo nomutsa uye zvakajeka kutsanangurira vose apo uye sei kuti azive chitsama tinofanira kugara chikamu mudyandigere.

Tinodzidza ruzivo muna Sberbank

Ndinoziva sei chitsama tinofanira kugara chikamu mudyandigere, kana muri nhengo mudyandigere zano uye nhengo isiri hurumende mudyandigere Fund (NPF) of mari Bank?

Muchiitiko chino, unofanira kuziva kuti mari ukadyara haasi mubhengi uye mari, izvo atogamuchira uye Rinotarisira mari panguva yayo kungwara. Shandisa mari mari yako uye kuwana pamusoro mari iyi.

Ndinoziva sei chitsama tinofanira kugara chikamu mudyandigere muna mumari Bank mumamiriro ezvinhu aya?

Pane nzira nhatu kuwana ruzivo:

1. Unofanira kushanyira bazi asiri nehurumende mudyandigere Fund, uye kudzidza kubva nyanzvi pamusoro Data vaunganidza mari kwako pachako account. Muchiitiko chino, unofanira kupa kadhi rako mumagariro.
2. Wana mashoko paIndaneti. Kubatsira ichi zvichabatsira Sberbank vashandi, kana iwe usiri kukwanisa kukurira basa.
3. Kushandisa ATM kana inouraya.

Chii chinoitika kune mari mudyandigere afa?

Pakafa murume munhoroondo yake mudyandigere Fund ndiye zviviri vachibhadhara. Ndicho mudyandigere ano kuti dzakava, asi kwete kubhadharwa, uye mari chikamu. Ndinoziva sei chitsama tinofanira kugara chikamu mudyandigere mumamiriro ezvinhu aya? Kuti aite izvi, unofanira kumbotambudzika dzinotevedzana maitirwo.

Kana mudyandigere dzakava, asi pamusana pokufa munhu harina kupiwa, saka unogona kuwana hama, kureva mudyandigere Fund pamwe yakakodzera chikumbiro, pasipoti, chitupa dzokugara, rufu gwaro uye uchapupu noukama hwemhuri.

Asi mugove mari yacho mudyandigere zvekufamba lengthier, sezvo kuwanda vanoonekwa nhaka. Vakawana maererano notarized chitupa chavo. Mukuita kwokunyoreswa yenhaka zvekufamba ari gweta zvinosanganisira uwandu uye mudyandigere mari asiya nyika yevanhu.

Sei kudzivisa nzira pakati nhaka zviitiko?

Pane vaviri chete mitemo inokosha iyo rufu murume hama dzake anogona kuuya kuhofisi, mubasa mudyandigere mubhizimisi, uye kunyora mashoko kuti chikamu kuti ari mudyandigere anenge dzakava. Izvi kunoitika:

1. kana pamberi musi rufu rwake, murume akauya mudyandigere Fund uye akanyora mashoko umo akataura ndiani kuwana zvose mumari afa muridzi mari;
2. kana mari dziri pfungwa iri private mudyandigere Fund, kuzivikanwa mugari kushandisa kuti mari chikamu, zvinoratidzwa kondirakiti.

In ichi vanoti anogona zvachose munhu, kwete kunyange hama kuti vachibhadhara.

Ndinoziva sei chitsama tinofanira kugara chikamu mudyandigere wemufi?

Kuti aite izvi, ari mudyandigere Fund uye pasiri mudyandigere mari munguva mwedzi mitanhatu pashure pokufa pedyo nehama dzake anofanira kutaura nemunhu akafa. Vabereki, vakadzi kana varume uye vana.

Panyaya iyi, kana kushanda iri kudare akawanda vanhu, mari inokamukana zvakafanana chimwe.

Kuwedzera chikumbiro, unofanira komberedza:

1. Pasipoti yacho payee.
2. Kana accumulative chikamu yakaitwa senhaka, ari Zvakarurama hwokuti ukama nemunhu akafa. Izvi zvinogona kuva gwaro kunyoresa rokuzvarwa kana muchato.
3. A rugwaro vakachisimbisa kuti munhu afe, accumulative chikamu iyo nhaka.
4. The inishuwarenzi chitupa wacho afa. Unogona kungoti kutaridzwa nhamba.

Kana magwaro vakatumwa post, zviri notarized makopi zvakakwana.

Chikumbiro ichaongororwa mukati masvondo mana, uye kubhadharwa akaita hapana paya pane gumi inotevera mwedzi wechipiri.

How kuziva mari muri

Kashoma, asi zuva nezuva vanhu dzimwe nguva kukanganwa izvo mari zviri zvayo mari mudyandigere. Naizvozvo, kuti mubvunzo kudzidza apo chitsama tinofanira kugara chikamu mudyandigere, akawedzera mubvunzo: mune Ndiri PF? dambudziko iri kuchabatsira kugadzirisa portal kwezvirongwa mabasa. Kuti aite izvi, unofanira kupfuura zvinotevera algorithm:

1. Register iri portal, danda riri uye kupinda kwako cabinet.
2. Shandisa icon iri pamusoro peji rinonzi "mudyandigere mari".
3. Pashure tinya bhatani, riri basa ruzivo pamusoro pachavo nhoroondo.
4. Mushure hurongwa anokwidziridza ruzivo pamusoro mumatanda, ipapo zvinogona kuverengwa, kuti unofunga pamusoro Fermi pamusoro.

Uyezve, mashoko anenge kuti izvo mudyandigere Fund muri kuti, kuva:

1. The mudyandigere yebazi romunyika yacho.
2. chizvidavirire dhipatimendi kubasa kwako basa.
3. Bazi Sberbank.

Ndinoziva sei chitsama tinofanira kugara chikamu mudyandigere, uyewo kuti pave izvi vashandi masangano.