Ukufinyelela umhlalaphansi kungenye yezigaba ezidala ukungabaza okukhulu kunoma yimuphi umsebenzi. Futhi kufanele, njengoba imithetho ishintsha futhi ikhalenda lomhlalaphansi Kuye kwashintsha ukuze kuvumelane nesimo sezwe lethu, lapho siphila khona isikhathi eside kodwa kuzalwa izingane ezimbalwa.
Ukuze ugweme amaphutha, kubalulekile ukuqonda ukuthi ayikho inkathi eyodwa yomlingo yokuyeka ukusebenza. Kuye ngokuthi mingaki iminyaka onikele ngayo Futhi kuye ngesimo sakho somsebenzi samanje, ungase uthathe umhlalaphansi kusenesikhathi noma kudingeke ulinde isikhathi eside ukuze uthole u-100% wenzuzo yakho.
Iminyaka yokuthatha umhlalaphansi esemthethweni: Uhlelo lusebenza kanjani?
Ngokuvamile, iminyaka yokuthatha umhlalaphansi ibilokhu ikhula kancane kancane. Kulabo abangafinyeleli isikhathi sokufaka isandla seminyaka engama-38 nezinyanga ezi-3, iminyaka ejwayelekile yokuthatha umhlalaphansi Manje sekumi iminyaka engama-66 nezinyanga eziyi-10. Okusho ukuthi, sesicishe sibe semkhawulweni weminyaka engama-67, okuyilapho ukuguqulwa kuzoqala khona ukusebenza ngo-2027.
Kodwa-ke, kukhona okuhlukile kakhulu kulabo abanomlando womsebenzi onzima. Uma ungafakazela ukuthi ukhokhele ukuphepha komphakathi. Iminyaka engu-38 nezinyanga ezi-3 noma ngaphezuluUnendlela ecacile yokuthatha umhlalaphansi uneminyaka engu-65 ngempesheni yakho ephelele, ngaphandle kokulinda ukufakwa kancane kancane kwesistimu. Kwezinye izimo, kunezindlela zokwenza engeza iminyaka eyengeziwe yeminikelo yakho yomhlalaphansi.
Kulabo abangafinyeleli inani eliphansi ngo-100%, umthetho ucacile: ngeminyaka engu-15 yeminikelo, inzuzo iqinisekisiwe. 50% wesisekelo sokulawulaKusukela onyakeni we-16 kuqhubeke, iphesenti liyakhuphuka njalo ngenyanga ngokulandela isikali esimiswe ngumthetho kuze kube yilapho lifinyelela esiphezulu ngangokunokwenzeka.
Izinketho zomhlalaphansi zangaphambi kwesikhathi kanye nezikhethekile
Akuwona wonke umuntu okumele alinde kuze kube yiminyaka yokuthatha umhlalaphansi. Kunezindlela eziningana zokuthatha umhlalaphansi kusenesikhathi, yize lokhu kuvame ukuhilela ukuthatha izinyathelo ezithile. ukunciphisa ama-coefficients lokho kwehlisa inani lempesheni yanyanga zonke.
- Ivolontiya: Ungayithola kusukela uneminyaka engu-63 uma uneminyaka engaphezu kuka-38 nezinyanga ezi-3 zeminikelo, noma kusukela uneminyaka engu-64 nezinyanga eziyi-10 uma ungenayo imali encane.
- Ngokungathandi noma ngokuphoqelelwa: Kulabo abalahlekelwe yimisebenzi yabo ngenxa yezizathu zangaphandle (njenge izinhlobo ezahlukene zokuxoshwa), iminyaka yehla ibe yiminyaka engama-62 nezinyanga eziyi-10 uma ingafiki eminyakeni engama-38 nezinyanga ezi-3 zeminikelo, noma ibe yiminyaka engama-61 uma idlula yona.
- Ngenxa yokukhubazeka: Abantu abanesilinganiso sokukhubazeka esingu-45% noma ngaphezulu bangathatha umhlalaphansi lapho beneminyaka engu-56, futhi uma isilinganiso singama-65% noma ngaphezulu, iminyaka ingase yehliswe ibe ngaphansi kuka-52.
Kukhona futhi izinhlelo ezikhethekile zemisebenzi enezidingo eziphezulu kakhulu zomzimba noma zengqondo, njengokuthi abacimi bomlilo, abavukuzi, abaculi, noma abasebenzi bezindizaabajabulela iminyaka yokuthatha umhlalaphansi eguquguqukayo ngenxa yobunzima bemisebenzi yabo.
Intuthuko entsha ekubalweni kwempesheni: Uhlelo oluphindwe kabili
Enye yezindaba ezinhle ukuthi ukubalwa kwalokho ozokhokhelwa akusaqinile kangako. Uhlelo olusha seluqalisiwe. uhlelo oluyisisekelo olubili lokulawula ukuze isisebenzi sikwazi ukukhetha inketho ezuzisa kakhulu ngokwezomnotho kuye.
Ngakolunye uhlangothi, ifomula yakudala ebheka iminyaka engu-25 edlule (izinyanga ezingu-300) yamanani esitoko iyagcinwa. Ngakolunye uhlangothi, kuvela enye indlela ehlaziya iminyaka engama-29 edluleKodwa ngemininingwane eyodwa enhle kakhulu: ikuvumela ukuthi ulahle iminyaka emibili emibi kakhulu yeminikelo (izinyanga ezingama-24) ukuze ingadonseli phansi isilinganiso sempesheni yakho.
I-Social Security kufanele isebenzise ngokuzenzakalelayo inketho ezuzisa kakhulu, kodwa kuhlale kunconywa ukuthi kubuyekezwe idatha ngokusebenzisa isifanisi esisemthethweni ukugwema izimanga ngenani lokugcina.
Inani eliphakeme nelincane kanye nokuhlaziywa kabusha
Uma kukhulunywa ngemali, kukhona umkhawulo okungekho muntu ongawudlula. impesheni yomphakathi ephezulu Inani lenyanga libekwe ku-€3.359,60, okumelela isamba esingu-€47.034,40 ngonyaka. Ukuze uthole ulwazi olwengeziwe, ungabheka umhlahlandlela ku- umhlalaphansi omkhulu nowomncane womhlalaphansiLo mkhawulo ulungiswa minyaka yonke ngokwemigomo yokwehla kwamandla emali kanye nemithetho yamanje.
Kumacala asengozini kakhulu, kunezimpesheni ezincane. Isibonelo, umuntu othathe umhlalaphansi oneminyaka engu-65 noma ngaphezulu ongenaye umlingani othembele kuye uthola imali impesheni encane ekhokhwayo okungu-€12.441,80 ngonyaka. Uma kukhona umlingani othembele kuye, lelo nani likhuphukela ku-€17.592,40. Kukhona futhi umhlalaphansi ongewona owomnikelo, okuma kuma-euro angu-8.803,20 ngonyaka.
Kubalulekile ukubalula ukugcwalisa igebe lobulili, ehlose ukukhokha umehluko wempesheni phakathi kwabesilisa nabesifazane, ibeka inani lama-euro angu-36,90 ngenyanga kulabo abahlangabezana nezidingo.
Ezinye izinketho: Umhlalaphansi osebenzayo, obambezelekile kanye nomhlalaphansi oyingxenye
Uma ungathanda ukuqhubeka nokusebenza kodwa usuvele uneminyaka yokuthatha umhlalaphansi, unezinketho eziningana ezithakazelisayo. umhlalaphansi osebenzayo Ikuvumela ukuthi uqoqe ingxenye yempesheni yakho ngenkathi usasebenza, ngamaphesenti asukela ku-45% kuya ku-100% kuye ngokuthi ubambezele isikhathi esingakanani ukufinyelela.
Ngokuphambene nalokho, umhlalaphansi obambezelekile Kungokwalabo abanquma ukungawuthathi umhlalaphansi lapho befika eminyakeni yobudala esemthethweni yokuthatha umhlalaphansi. Ukuze baqhubeke nokunikela, uHulumeni unikeza isikhuthazo: u-4% owengeziwe wonyaka ngamunye wokulibaziseka, noma inkokhelo yesikhathi esisodwa ngesimo sesheke.
Ekugcineni, i ukuthatha umhlalaphansi kancane Ikuvumela ukuthi unciphise amahora akho okusebenza kanye nomholo, uthole isabelo esilinganayo sempesheni yakho. Kwabachwepheshe abazisebenzelayo, kuyasiza ukwazi... Kuyini umhlalaphansi oyingxenye kubantu abazisebenzayo?Kungenziwa ngenkontileka yokushintsha noma ngaphandle kwayo, kuye ngokuthi inkampani idinga yini ukufaka esikhundleni isisebenzi ukuze iqhubeke nesikhundla.
Lonke loluhlaka lwezomthetho luhlose ukwenza uhlelo luqhubeke isikhathi eside, lulinganise isikhathi sokuphila Isidingo esikhulayo sokugcina imali engenayo enhle siyisici esibalulekile. Kusukela ekusebenziseni ama-coefficients okunciphisa kuya ekuthatheni umhlalaphansi kusenesikhathi kuya ekugcwaliseni izikhala zeminikelo yabesifazane nabazali, umgomo uwukuqinisekisa ukuthi akekho oshiywa engavikelekile lapho ethatha umhlalaphansi.
