Nguva inishuwarenzi nokuda chipatara pepa. Kukarukureta rweinishuwarenzi

Inishuwarenzi nguva kuti vanorwara ngavabude uye, kupfuura kunyanya, kuti kugutsa dzinza ukuru, achangobva vakataura muna rimwe dzemapazi Social Inishuwarenzi Fund of Russian Federation. Zviremera vakasarudza kuyeuka sei vashandirwi anofanira kupedzisa mutsara inishuwarenzi mune jira yokuremara.

Saka, nguva inishuwarenzi kuti anosiya vanorwara raanotaura maererano yakakodzera zita. The "s" uye "mwedzi" sero vanofanira kupinda nhamba izere kwemakore uye mwedzi basa, izvo vanonzi nokuti ruzivo mushandi inishuwarenzi. Mumutsara "asiri inishuwarenzi nguva 'kufungwa upenyu nekusarangarira muchiuto kana mamwe mabasa. Inishuwarenzi nguva nokuti anosiya vanorwara vanofanira kuratidza uwandu kwamakore nemwedzi vakashanda ne basa kondirakiti. Panguva iyi, unofanira kusanganisira nguva dzebasa vatevedzere mutemo, zvechiuto uye moto mabasa.

Chii chinobatanidzwa mu nguva inishuwarenzi?

In nguva iyo inishuwarenzi zvinosanganisira nguva basa pasi basa chibvumirano munguva wehurumende, matunhu neminisiparati kana vehurumende, uyewo nguva yebasa umo mushandi akanga pasi rokumanikidzirwa munzanga inishuwarenzi kana urwere uye pamuviri uye maternity. Izvi nguva dziri raanotaura "Mitemo kukarukureta nokusimbisa inishuwarenzi." Pakati izvi nguva vaya umo private gweta, mumwe entrepreneur, gweta, murindi, uye vamwe. Kuzvipira inobhadharwa RF FSS premiums.

Zvinofanira kurangarirwa kuti nguva yacho inishuwarenzi haibatanidzi dzimwe nguva, izvo kare zvawanikwa. Iyi ndiyo nguva basa iri Army, kudzidzisa ari yekosi zvikoro uye nevamwe. Insurance nguva rinowanikwa maererano basa zvinyorwa. Pamusoro zvinhu zvisina chinyatsotsanangurwa ari workbook, tevere usanganidzo yaro nguva inishuwarenzi anofanira pasi chinokosha rokuzvidavirira magwaro, kuti iwe zvakanyatsonanga pane zita.

Kuti kuverenga nguva inishuwarenzi kuti ngavabude kurwara, unofanira basa bhuku uye karukureta.

Kuverenga avhareji mubayiro anofanira kuva zvakakwana mhosva nokuda Billing nguva, yakakamurwa 730. Huwandu zvakaoma yaisanganisira mhando dzose remuneration uye zvinobatsira kuti insured munhu. The zvichiguma chitsama kurege kusapfuudza iine kuongororwa. The kunonyanyisa chitsama dzinosiyana nerimwe gore, mashoko matsva anowanikwa kubva mushandirwi, kana sangano wako chizvidavirire dhipatimendi.

Kana pensionable basa mushandi ndiko mwedzi isingasviki mitanhatu, muchipatara rinowanikwa inobva shoma mubayiro. Shoma mubayiro dzinosiyana kazhinji, iwe unofanira saka kutaridzwa mari iri munhoroondo.

Kana ruzivo rako inishuwarenzi kanenge 5 makore - kuripwa of avhareji zuva mubairo 60%. Kana nguva inishuwarenzi zvachose makore 5-8 - muripo uitwe muna uwandu 80% of kwaida uwandu. Kana nguva yacho inishuwarenzi, uwandu Ktorov makore 8 unogona kuwana 100% kuripwa paavhareji zuva mubayiro. Usakanganwa kuti zvizere kuripwa paavhareji zuva mubayiro vanogamuchirawo vakadzi pamuviri, kunyange kana ruzivo avo basa iri mwedzi isingasviki mitanhatu. The chete Kunze zvinoshanda vashandi vari vakuvara kubasa. In izvi nyaya mbiri, nguva inishuwarenzi kuti chipatara jira hazvina basa.

Kana gwaro wezvokurapa yave rakapa mukati mwedzi mumwe mushure kudzingwa, uri kodzero zvikomborero nemari aimbova mushandirwi. Chikonzero kudzingwa, uyewo ya hosha iyi hachibatsiri. Uye kana iri nyaya inopfuura hafu basa kondirakiti yakanga yakasainwa shure, unogona kuti kubhadharwa, uwandu ichazovapo 60% ichitaurwa zvakaoma. Kana mushandi vaishandira kambani kwemwedzi isingasviki mitanhatu, anogona kuverenga pamusoro kuripwa risingamboshandisi mubayiro dzakabatana.

kurangarira kuti zvinhu kubatsira iri kubhadharwa chete kana kurwara mushandi, mwana kana mumwe wemumhuri.