Inhloso yoHlelo Lwempesheni Yomphakathi ukuhlinzeka ngemali engenayo ephephile neyanele uma izimo zidinga lokho, njengokuguga noma ukukhubazeka. Ngenxa yokuthi lolu hlelo lusetshenziselwa nokunquma umehluko wemali engenayo ovela eminikelweni eyenziwe ngaphambilini, uHulumeni uthola ukuthi kudingekile ukubeka imikhawulo ezimpeshenini, okuholela emkhawulweni wempesheni omncane kanye nomkhawulo wempesheni omkhulu.
Kungani kubekwa imikhawulo, njengempesheni ephezulu kanye nesincane
Uhulumeni uvame ukubeka le mingcele ngokoMthetho Wesabelomali Sikazwelonke. Uphinde umise umholo omncane kanye ne-Public Indicator of Income for Multiple Purposes. Ngamafuphi, unesibopho sokubeka imikhawulo ephezulu nephansi yempesheni yempesheni yomphakathi.
NgoDisemba 2017, ukwenyuka kwempesheni ka-2018 kwashicilelwa ku-0.25%, okuyisilinganiso esincane esisemthethweni. Lokhu kuphawula unyaka wesihlanu olandelanayo lapho impesheni izokhuphuka khona ngaleli 0.25%, okuthi, ngokwe-Annual Pension Revaluation Index echazwe kuMthetho 23/2013, kube yisilinganiso esincane esisemthethweni. Le nkomba icabangela imali engenayo kanye nezindleko zesistimu, isungula ukwenyuka okuncane okungu-0.25% kanye nesilinganiso esiphezulu se-Consumer Price Index (CPI) kanye no-0.50%.
Ubuncane bezimpesheni zomhlalaphansi ngo-2018
Ngezinye izikhathi, impesheni umuntu anelungelo lokuyithola iphansi kakhulu. Ezimweni ezinjalo, kubekwa umkhawulo omncane, noma ophansi, ukuze kuzanywe ukuqinisekisa ukuthi yanele ukumboza izindleko eziyisisekelo. Lokhu kwaziwa ngokuthi isengezo esincane, futhi kubhekisela eminikelweni eyenziwe ngokusekelwe enanini elincane lempesheni kanye nesamba esihambisanayo umuntu anelungelo lokusithola . Ukuze uthole lesi sengezo esincane futhi uthole impesheni encane, umuntu kumele abe ehlala ezweni.
Umuntu onempesheni, okungukuthi, ohola impesheni, unempesheni encane kanye nemingcele encane , ngenxa yesimo sakhe somshado, futhi ubudala nakho kuyisici esicatshangelwayo ukuze kusungulwe imikhawulo encane yempesheni; iminyaka yohola impesheni ingaba ngaphansi noma ingabi ngaphansi kweminyaka engama-65.
Isimo esithile somshado salowo ohola impesheni singahlukaniswa sibe munye yalezi zinhlobonhlobo ezintathu:
- Ngomlingani ongathembele kuye
- Ngomlingani othembekile
- Akekho oshade naye
Igama elithi "umlingani oxhomeke kuwe" libhekisela kumuntu oxhomeke kuwe ngokwezimali kumuntu ohola impesheni. Lokhu kusebenza lapho umuntu ohlala nomuntu ohola impesheni naye engeyena umhlalaphansi, futhi ukuthembela kwakho ngokwezimali kuholela enzuzweni iyonke, okuhlanganisa yonke enye imali engenayo, engaphansi kuka-€8.321,85 ngonyaka.
Uma imali engenayo ehlanganisiwe yezinhlangothi zombili ingaphansi kwaleyo mali, kunikezwa isengezo esilingana nomehluko, esabelwe inani elihambisanayo lezinkokhelo zanyanga zonke. Isengezo esincane sempesheni asinakudlula inani lempesheni elizokhokhwa uma kunabazuzi ababili abanelungelo lokuthola impesheni kanye nomlingani oxhomeke kuye.
Ukubalwa kwempesheni yomhlalaphansi
Kunezici ezintathu ezibalulekile ezinquma ukuthi impesheni yakho yomhlalaphansi kufanele ibe yimalini:
Ingqikithi yeminyaka yohlu:
Lokhu kungukuphila konke okusebenzayo, ngoba ngeminyaka eyi-15 yeminikelo, i-50% ye-Regulatory Base ingafinyelelwa (ezochazwa ngezansi) futhi iyanda kuze kube yilapho kungenzeka ukufinyelela ku-100% we-Regulatory Base, okungenani ama-35 neminyaka eyisigamu yeminikelo ku-2018 (le nto iyahlukahluka kuze kube ngu-2027, khona-ke ubuncane beminyaka engama-37 yeminikelo kuzodingeka ukuthi ifinyelele ku-100% we-Regulatory Base.
Iminyaka elindelwe:
Kungenzeka silindele inani elithile leminyaka yokuthatha umhlalaphansi, uma sesaba ukuthi kungenzeka ukuthi sithole enye yezindlela ezicatshangwe yi-General Law of Social Security for Early Retirement.
Isisekelo Sokulawula:
Le yincazelo yezibalo evuselelwa ngokuhluka kwe-CPI yenani elenziwe Amabhesi Omnikelo esikhathini esithile: Ngo-2018, iminyaka engama-21 ngaphambi kokuthatha umhlalaphansi, kukhuphuke kuze kube ngo-2022 kuzoba yiminyaka engama-25.
Uma iminyaka embalwa inikelwe ohlelweni noma umlando wokunikela wenzelwe izisekelo eziphansi kakhulu, kucatshangelwa iminyaka engaphezu kwengu-15 ukuze kube nokwenzeka ukuthi uthole ilungelo lempesheni yomhlalaphansi enikelwayo, maningi amathuba okuthi impesheni ngokuthatha umhlalaphansi, noma ngabe ngokweqile, kuphansi. Futhi kokunye, uma iminikelo ibiphezulu kakhulu futhi impesheni yomhlalaphansi ibinikele iminyaka eminingi, izobe iphakeme impela. Ngakho-ke iSistimu izama ukuqinisekisa ukuthi kukhona ukwabiwa kabusha kwemali engenayo, ukuze izimpesheni eziphakeme kakhulu zibe nomkhawulo nezimpesheni eziphansi kakhulu zibe nokuncane.
Ukusatshalaliswa Kwempesheni Yomhlalaphansi ngemuva kweminyaka engama-65
- Ngomlingani othembekile, kulingana namanani anyanga zonke e- € 788,90 futhi ngonyaka kube ngu- € 11.044,60.
- Ngaphandle koshade naye kulingana nenani lama-693.30 ngenyanga kanye ne-8.950,20 ngonyaka.
- Ngomlingani ongathembele kuye, kungama-606,70 ngenyanga kanye no-8.593,89 ngonyaka.
Ukusatshalaliswa Kwempesheni Yomhlalaphansi ngaphambi kweminyaka yobudala engama-65
- Ngomlingani othembekile, kulingana namanani anyanga zonke angama-739,50 no-10.353,00 ngonyaka.
- Ngaphandle koshade naye kulingana nenani lama-598,00 ngenyanga kanye ne-8.372,00 ngonyaka.
- Ngomlingani ongathembele kuye, angama-565,30 ngenyanga kanye no-7.914,20 ngonyaka.
Ukusatshalaliswa Kwempesheni Yomhlalaphansi kusuka ekukhubazekeni okukhulu
- Ngomlingani othembekile, kulingana namanani anyanga zonke we-1.183,40 kanye ne-16.567,60 ngonyaka.
- Ngaphandle komlingani ulingana no-959,00 ngenyanga kanye no-13.426,00 ngonyaka.
- Ngomlingani ongathembele kuye, kungu-910,10 ngenyanga kanye no-12.741,40 ngonyaka.
Impesheni yomhlalaphansi yokukhubazeka okukhulu (ukukhubazeka unomphela)
- Ngomlingani othembekile, kulingana no-1.183,40 ngenyanga no-16.567,60 ngonyaka.
- Ngaphandle komlingani othembekile, kungama-959,00 ngenyanga kanye no-13.426,00 ngonyaka.
- Ngomlingani ongathembele kuye bangama-919,10 ngenyanga kanye no-12.741,40.
Ukusatshalaliswa Kwempesheni Yomhlalaphansi ngokukhubazeka ngokuphelele unomphela
- Ngomlingani othembekile, zingama-788,90 ngenyanga nezingu-11.044,60 ngonyaka.
- Ngaphandle komlingani, zingama-639,39 ngenyanga nezingu-8.950,20 ngonyaka.
- Uma owakwakho engaphethe, zingama-606,70 ngenyanga nezingu-8.493,80 ngonyaka.
Ukusatshalaliswa Kwempesheni Yomhlalaphansi ngokukhubazeka ngokuphelele unomphela
- Ngomlingani othembekile, zingama-739,50 ngenyanga kanye no-10.353,00 ngonyaka.
- Ngaphandle komlingani, ilingana no-598,00 ngenyanga kanye no-8.372,00 ngonyaka.
- Ngomlingani ongathembele kuye, kungama-565,30 ngenyanga kanye no-7.914,20 ngonyaka.
Ukusatshalaliswa kwempesheni okuncane kobufelokazi
Ngabantu abondliwa emndenini, ilingana no-739,59 ngenyanga kanye no-10.353,00 ngonyaka.
Ngeminyaka engama-65 noma ukukhubazeka, zingama-639,30 ngenyanga nezingu-8.950,20 ngonyaka.
Phakathi kweminyaka engama-60 nengama-64, zingama-598,00 ngenyanga nezingu-8.372,00 ngonyaka.
Ngaphansi kweminyaka engama-60, zingama-484,20 ngenyanga nezingu-6.778,80 minyaka yonke.
Impesheni encane yomhlalaphansi ngo-2017
- Ku-65, nomlingani othembekile, bekungama- € 786,90 ngenyanga. Ngaphandle komlingani othembekile, bekungama- € 637,70 ngenyanga. Ngomlingani ongancikile kuye, bekungama-605,10 ngenyanga.
- Ukuthatha umhlalaphansi ngaphansi kweminyaka engama-65 kwakulingana, nomlingani othembekile, kwe- € 737,60 ngenyanga. Ngaphandle komlingani, bekungama- € 589,36. Ngomlingani ongancikile kuye, bekungama- € 563,80 ngenyanga.
- Ngeminyaka engama-65 yokukhubazeka okukhulu, nomlingani othembekile kuye, bekuyi-1180,40 ngenyanga. Ngaphandle komlingani, bekungama-956,50 futhi nomlingani ongathembele kuye, bekungu-907,70 ngenyanga.
- Ngakolunye uhlangothi, umkhawulo wemali engenayo yonyaka yesengezo esincane, ngaphandle kwempesheni, ibingu- € 7.116,18 ngaphandle komlingani kanye ne- € 8.301,10 nomlingani othembekile.
Impesheni enkulu yomhlalaphansi ngo-2018
Ngo-2018, inani eliphakeme kakhulu lempesheni lalingu-€36.121,82 ngonyaka. Uma kutholwa izimpesheni ezimbili, isamba sazo zombili asikwazi ukudlula umkhawulo omkhulu.
Uma umuntu ethatha umhlalaphansi ngaphambi kwesikhathi, ngaphezu kokusetshenziswa kwesilinganiso sokunciphisa esisekelweni sokulawula sokuthatha umhlalaphansi ngaphambi kwesikhathi, inani lempesheni elivelayo alikwazi ukudlula inani elivela ekunciphiseni umkhawulo ophezulu ngo-0.50% ikota ngayinye. Ngakho-ke, impesheni ephezulu yomhlalaphansi ingatholakala uma umsebenzi uqala eminyakeni ejwayelekile yokuthatha umhlalaphansi.
Kodwa-ke, umkhawulo omisiwe wempesheni ongaphezulu ungadlulwa uma kunesengezo sokubeletha, sikhuphuke sisuke ku-5% siye ku-15% kuya ngokuthi isibalo sezingane siyi-2, 3, 4 noma ngaphezulu nangokwelula isikhathi sokusebenza ngaphezulu komhlalaphansi osemthethweni. iminyaka lapho ukuthola impesheni yomhlalaphansi kwenzeka kubudala obungaphezulu kobudala obujwayelekile, futhi ngenxa yalesi sizathu kuzobonwa amaphesenti angeziwe onyakeni ngamunye weminikelo esikhathini esiphakathi kosuku lokufinyelela kuleyo minyaka kanye nesehlakalo esidala impesheni .
