Labor uye inishuwarenzi mudyandigere ruzivo: sei uenzanisire ngaaverenge

Labor (inishuwarenzi) Zvakaitika anosarudza kukura hurumende kubhadhara kuti vagari munyika, kana vachida zvavo: pfupi urema, vanorwara ngavabude, mudyandigere, kutarisirwa mwana. Musimboti pachena mutemo kuti vanoshayiwa ose anofanira aitsigira, asi pane imwe LEVEL ruchapinda kune vaya here vakakodzerwa nazvo kwavo kuramba basa kubatsira hurumende.

Nokudaro, vazhinji ruzivo, nani. Zvisinei, mutemo rinorondedzera yakawanda nuances. Kana kushandura mabasa, kana ruzivo yakakanganiswa? Sezvo dzaona nokuda zvachose urefu basa? Zvakakosha kuti akanga ari Profile of dzakagadzirirwa kana kwete?

pfungwa

Ngatitange nepfungwa yokuti anoisa mumutemo okuti "nguva inishuwarenzi". Ndivo nguva basa, kana muhoro wako, waunoshandira anoita mipiro omunharaunda mudyandigere Fund. Pakarepo anofanira kuchengetedza, ukuru hwenyu havazotakurwizve akaverenga, kana iwe akaronga kurongwa kana kurongwa, asi mushandirwi (nokuti chero zvikonzero chete Anoziva) hakuiti kuti mipiro kuti mudyandigere Fund. Kunyange kana akabatwa, nemurairo nayo vanosungirwa chete kuti kubhadhara kutyorwa kwakadaro, asi kwete vose chitsama mari kuti vaifanira kuva yako pachako nhoroondo iri mudyandigere Fund.

Govera uyewo pfungwa "ruzivo chaiyo inishuwarenzi" izvo mushandi anogona regera mberi purogiramu (zvichienderana nemurairo, vanhu - 60, vakadzi - 55). Somuenzaniso, kushanda muna Far North nevamwe (chaiyo kushanda mamiriro) kusvika 1.01.02. Pashure musi, basa rinokosha ezvinhu haisi kunyora nezvavo. Ndizvo mutemo mutsva pamusoro pensions nevagari Russian. mutemo uyu anogona kunzi mari, uye hwakabatana pamwe kushaya mari urongwa pensions ose pamudyandigere ramangwana.

Sei kuverenga?

Kukarukureta pamusoro pensionable basa chinoitwa nokuwedzera kuti nguva basa, kunze kwenguva pakudzidza (kana adarika warinozokwidzwa nhoroondo, iye zvino ndipo). Asi basa ruzivo rinosanganisira nguva rechiuto, kana isati iri pamutemo mugari rakashanda. Inosanganisirawo nguva yake pakuchengeta mwana kusvika makore 1.5, vanogamuchira pfupi urema wavanobhadhara. Kana basa rako uye havakwanisi pachavo kuwana mumwe ari dzakagadzirirwa, unogona kuwana chinzvimbo iri basa panguva mabasa centre, uye pamwe chete nacho uye kubatsirwa, asi hamuzondiwani kupfuura kana zvishoma akakodzera basa. Nguva iyi ndiyo chezvibereko ruzivo. Kune Kashoma apo basa rako anogona kunzi anobatsira munzanga - kutarisira ndonda. Kana nguva kururamiswa "kwemabasa" - criminalizing mhosva (kana nekusimba). The kukarukureta iri zvakakwana kwemwedzi uye makore.

Sei kusimbisa?

Inishuwarenzi ruzivo akasimbisa basa zvinyorwa. bhuku Rakarasika anogona kutsiva murayiro pamusoro mubayiro, basa chibvumirano, mashoko pamusoro mari kubva muhoro mashoko. Zvikurukuru, mashoko ari kuwiriraniswa humboo nomunhu kunyoresa vagari sezvo insured vanhu. zvinyorwa vakadaro vakaramba vari munharaunda mudyandigere mari kushanda ose mugari. In dare tsika, paiva zviitiko apo chiitiko zvakakodzera kuratidza uchapupu nokuti mashoko akarasika nokuda nezvinoitika ezvinhu. Nokuti kukarukureta chaiwo ruzivo youchapupu hwakadaro hazvigamuchirwi.

Sei?

Nguva akaundendi kambani inishuwarenzi inoverenga nguva dzose mushandi anoenda kuchipatara kuronga kubhadhara duku urema. Uyewo anosarudza Kureba kukura urovha zvakanakira uye Chokwadi, mudyandigere.

Chii mudyandigere kumirira iwe?

Zvino mukuru mubvunzo: kudiwa zvikuru sei kushanda kuti pachine mudyandigere? Minimum 5 makore basa (Ndiyo nguva yacho inishuwarenzi!) Achakupa chete akare-zera pensions - mari vapenyu. Uye kana iwe vakashanda zvikuru, kuti mudyandigere zvichabviswa dzaona saizvozvo. . About 3 zviuru rubles - inokosha huwandu COA (inishuwarenzi chikamu pensions); ndinoiitawo reshiyo vachibhadhara kuti mudyandigere Fund nokuwanda kwemwedzi panguva iyo hurumende inozviita kuti wedzera mumwe mudyandigere (Parizvino kuisa kusvika 228 months). Uye kuwanda mipiro mu nzira iyi dzakachinja panguva iyo mudyandigere accrual (inorangarira mitengo uye zvimwe zvinhu). Chero zvazvingava, mudyandigere kuchaenderana paavhareji mubayiro. Naizvozvo, kana masanga pamusoro nguva kushanda (oparesheni 2), sarudza kupa kuti mudyandigere Fund apo pamutemo muhoro yaiva yakakwirira. By accumulative chikamu mudyandigere inowedzerwa (avo mari kuti makaita pachako). Saka zvinoita kuwana vanenge 7 zviuru. (Aine kureba makore 15 uye tisina accumulations). Uye pamwechete nemari - 8 zviuru Masvomhu aya chaizvo ine, asi vanofanira kubatsira muverengi kufamba mudyandigere wemuTesitamende Russia uye zvinodiwa kureba basa ....