Asayansi za inshuwalansi chikhalidwe ndi kukonzanso: Kulumikizana, chikhalidwe, kusintha, kafukufuku ndi mlandu mawerengedwe a inshuwalansi chikhalidwe ndi moyo

Anthu masiku ano ali ankacheza. Zaka zana zapitazo anthu akanangokhoza ndimalota za "phukusi chikhalidwe". Malipiro a misonkho zolipira zina sizikumuonekera palibe phindu anthu ophweka ntchito. Kwa zaka zambiri, zinthu zasintha. Kumene, tsopano dongosolo la chikhalidwe chitetezo si angwiro, koma alipo. Pa nkhani imeneyi, aliyense nzika mwalamulo ntchito zimasunga zambiri mu ndalama la feduro. Ntchito ya mawerengedwe ndi kulanda ndalama, monga zachuma chikhalidwe, anawatumiza mapewa abwana. Mlandu inshuwalansi chikhalidwe ndi kukonzanso - mmodzi wa ambiri ntchito chochuluka. Tiyeni tione mwatsatanetsatane kwambiri.

Kodi phindu inshuwalansi chiyani?

Mogwirizana ndi malamulo a boma latsopano la Russia analenga atatu apadera boma ndalama kuchokera-bajeti yothandiza kuti nzika: zotchinjiriza moyo, zaumoyo ndi penshoni (FSS, HIF MHI ndi PF, motero). Chikhaliro Zosintha wina kuchuluka kwa antchito awo lililonse la ndalama.

Pankhani inshuwalansi ya ndalama zogwirizana amapanga ndalama kwa munthu amene ali ndi ena nthawi inshuwalansi. Kulandira kutanthauza komanso kumachitika mwa nkhani bwana.

Akaunti kwa kusakanikirana kwa malipiro chikhalidwe

Mlandu inshuwalansi chikhalidwe ndi kukonza zachitika ntchito thumba 69. Iye ali ndi dongosolo yogwira-chabe. Zopereka kwa aliyense wa sanali bajeti ndalama lotseguka nkhani boma:

• 69/01 "Asayansi ndi FSS";
• 69/02 "m'midzi PF";
• 69/03 "m'midzi HIF."

Kuchita zopereka chikhalidwe chitetezo kwa wogwira ntchito - udindo wa kumalo a ntchito. Pankhaniyi, ndi "midzi za inshuwalansi chikhalidwe ndi moyo" - kalembera kapena udindo pa zimenezi? Nthawi zambiri, deta zalembedwa okha chabe, koma n'zotheka ndi zimaonekera amtengo, pambuyo ndalama zonse yogwira-chabe ndi womaliza bwino akhoza kupanga gawo lirilonse la ndalama.

Kuwonjezeka kuchuluka kwa zopereka kwa FSS, HIF ndi PF, komanso accrual nkhani ngongole amasonyeza 69. Kumbali Tikaganizira kufunika mmene nkhani za mtengo ogwira ntchito yokonza, mwachitsanzo. E. Kwa madebiti za nkhani yomweyo, zomwe zimasonyeza kuchuluka kwa malipiro . Pakuti chachikulu ogwira ntchito yopanga madebiti 20 adzakhululukidwa ntchito yoyang'anira - 26. Malonda madebiti debited malipiro a msonkho chikhalidwe ndi 44 bilu.

Ndalama ndalama pa chikhalidwe chitetezo cha wogwila ntchito ndi 69 debited, potero mlandu amasonyeza ndondomeko ya kukhazikitsa mukukwaniritsa tsopano.

Ntchito ya azimayi ku FSS

Fund Insurance Social - achiwiri kukula mu Russia. Pali anapeza ndalama achotsedwa ndi amakhoma misonkho kudutsa dziko. Gawo la ndalama ndalama ndi boma. Kodi ndalama ku thumba lothandiza? Chifukwa FSS, munthu alandire malipiro milandu la imfa ya ndalama chifukwa chikhalidwe cha anthu olumala:

• matenda;
• pakati komanso pobereka;
• posamalira odwala abale;
• mafakitale choipa.

Ndalama komanso amagwiritsira ntchito Fund kwa Kukwezeleza zakakhalidwe ndi kukhazikika ndalama FSS.

Organization zopereka inshuwalansi chikhalidwe

Pambuyo kopeleka malipiro amayamba chifukwa kuthetsa inshuwalansi chikhalidwe ndi moyo. Kuchuluka kuti abwana adzakhala kulipira antchito maziko pamwezi mu mawonekedwe a ndalama kukwaniritsidwa udindo ndi m'munsi msonkho kwa mawerengedwe a zopereka ndalama za inshuwalansi. Kwa magulu kutsatira tariffs wamba, ndi 2016 FSS mtengo 2.9 Nchito%. Tsimikizani ndi kuchepetsa kuchuluka kwa ndalama pachaka imene msonkho si mlandu. Pakuti chaka panopa ndi wofanana 718 zikwi P..

abwana ake ayenera kuwerengera ndalama za inshuwalansi umafunika, komanso kusamutsa kuti tsiku la 15 kutsatira malipoti mwezi. Aliyense kotala, bungwe lalamulo nadzatifikitsa lipoti kwa FSS, lomwe lili ndi mfundo zida accrued ndipo analipira zokhudza inshuwalansi chikhalidwe. Fomu Report 4-FSS anapereka kwa thupi udindo palibe pasanafike pa tsiku la 20 kutsatira malipoti kotala. Ngati zikalata zofunika mu mawonekedwe a pakompyuta, tsiku lotsiriza la yobereka kutchulidwa nambala 25. Kufunika kupereka lipoti pasadakhale angayambe nkhani ya malipilo ku Fund kwa amalipidwa ndalama zochuluka.

CHITSANZO kuwerengetsa chigawo pamwezi mu FSS

Mlandu inshuwalansi chikhalidwe ndi kukonza ikuchitika pambuyo kopeleka malipiro. Ayambe Wonenedwa wantchito X ndi membala waukulu mbewu kwa kupanga chokoleti. Iye anali malipiro kuchuluka kwa 22 zikwi P.. M'pofunika kudziwa kuchuluka kwa chopereka kwa Insurance Fund Social, amene abwana ake ayenera kulipira wantchito wake. Yowerengera litsatira zinayendera m'mbali:

1. Kuwerengetsa ndalama kuti imawunikidwa: 18 000 × 2.9 Nchito% = 522 p.
2. Imawunikidwa mu FSS: AT 20 Km 69,01 kuti 522 rubles.
3. Ndalama kuchokera mu Fund Insurance Social: Dr 69,01 Km 51 kuti 522 rubles.

Pa nthawi yomweyo kampani wakwaniritsa kudzipereka kwa thumba inshuwalansi nawo pa mwezi wathawu.

Zopereka penshioni

Wantchito unyamata wake wonse ndi moyo wamkulu anthu olungama akuyenera omasuka ukalamba. Penshioni thumba ukugwira kuti nzika za "anapeza" kwa mkulu wa penshioni chifukwa iye ukalamba. Monga zopereka kuwerengetsera FSS za inshuwalansi chikhalidwe ndi moyo mwa mawu a zopereka penshioni kudziletsa wa abwana ake.

Mu 2016, mlingo chopereka ku thumba la ndalama za penshoni kwa tariff ambiri 22% ndalama antchito a. Chepetsani mtengo wa pachaka wa ndalama imene malipiro ndi kupereka, ndi 796 zikwi P.. Pa kuchuluka Zoposa kukula izi masamu 10%, amene ayenera kuikidwa mu PD lapansi.

Komanso kudzimvera mawerengedwe ndi mawerengedwe a malipirowo kwa thumba penshioni, a bwana kunatanthauzanso kupereka mitundu zotsatirazi malipoti mawu wokhazikitsidwa malamulo:

• mawonekedwe a BCR-M pa deta antchito yokhala ntchito (dzina lonse, SNILS chiwerengero) - mwezi ndi pasanafike tsiku 10;
• kupanga mokondwera-1 - lililonse kotala ya tsiku la 15 la mwezi wachiwiri wa mlandu pokonza pepala ndi pa tsiku la 20 mu mawonekedwe a pakompyuta.

Mokondwera-1 lipoti lili mudziwe zambiri pa ndalama kulipira Komanso mlandu, mitengo imene kuwerengetsera anapangidwa, komanso deta inshuwaransi. Fomu ndi chikalata kuvomerezedwa kwa mitundu yonse ya mabungwe (kuphatikizapo dongosolo chosavuta msonkho, ndipo OCHO UTII).

CHITSANZO kuwerengetsa zopereka penshioni

Zopereka Fund ndi penshioni imvera mlandu kuthetsa inshuwalansi chikhalidwe ndi moyo. The zolemba anapangidwa pambuyo kopeleka malipiro. Mwachitsanzo, Malipilo a ogwira ntchito yowerengera malonda ndi 16 zikwi P.. Muzipereka kwa thumba penshioni ndi mlingo ambiri mu nkhani iyi ndi: 16000 × 0.22 = 3520 rubles.

Mafanizo Kulumikizana: AT 44 kt 69,02 pa 3520 p. Kulanda ndalama ku thumba la ndalama za penshoni limodzi ndi kulemba: Dr 69,02 Km 51.

Milandu ndalama pamwambapa malire ndalama

Tsopano ife chopereka kwa mawerengedwe a PF wantchito ndi zasungidwa oposa 796 zikwi. P. pa chaka. Wachiwiri. Chief amatenga ndalama amodzi pansi mgwirizano 70 chikwi. Rubles pamwezi. Kodi kuchuluka muyenera kulipira thumba penshioni kwa wogwira ntchito? Asayansi:

• 796 000 ÷ 12 = 66 333 rubles. - kuchepetsa kuchuluka kwa malipiro pa mwezi kwa malipiro pa mlingo wa 22%;
• 66333 × 0,22 = 14,593 p. - kuchuluka kwa zopereka penshioni ndi pazipita kololeka malipiro;
• 70 000 - 66 333 = 3667 p. - kuposa pazipita kuchuluka kwa ndalama;
• 3667 × 0,1 = 367 p. - kupereka ndalama-malire pa 10%;
• 14 593 + 367 = 14 960 p. - chiwerengero cha chopereka chanu kwa thumba penshioni mu mwezi watha.

Kuti kuchuluka chomwechi zasungidwa FSS nkhani yokhayo ndalama osati choposa 718 zikwi. P. pa chaka (59,833 pamwezi). Ndi zedi choposa mlingo wa chikhalidwe chitetezo, mosiyana PD ndi wofanana 0%

Medical thandizo nzika

The malipiro komaliza kwa feduro Fund Social ndi inshuwalansi mankhwala. kukhalapo kwake amalola nzika kulandira ufulu woyenera chithandizo. Azimayi kuti FFOMS anapanga mwezi, ndi kuchuluka lonse ndalama zimene ali. E. The msonkho malire mtundu wa amachotsera sinabweretse. Ambiri, mlingo kuti inshuwalansi ndi 5.1%. pa kusintha deta mmene mfundo za mokondwera-1, amene anausiya ku thumba la ndalama za penshoni.

Kutanthauzira kuchuluka kwa amachotsera mu FFOMS ndi ndalama zina chikhalidwe Mwachitsanzo: wantchito malipiro kupanga chachikulu chinali 36 zikwi rubles .. Khazikika za inshuwalansi chikhalidwe ndi moyo. The zolemba adzapatsidwa motere:

1. 36000 × 2.9 Nchito% = 1044 p. Am 20 Km 69,01 - imawunikidwa mu FSS.
2. 36000 × 22% = 7920 p. Ndine 20 Km 69,02 - Kafukufuku Fund Ndalama za penshoni.
3. 36000 × 5.1% = 1836 p. Ineyo 20 Km 69,03 - imawunikidwa mu FFOMS.

Kulanda ndalama kwa ndalama zikutsimikizidwa zolemba: Dr 69,01, 69,02, 69,03 Km 51.

Ntchito tariffs m'munsi

Kuchepetsa mitengo malipiro kwa ndalama chikhalidwe mu 2016 angayembekezere ena mabizinesi. zinthu chakuti akuoneni zalembedwa mu Tax Code. Tebulo zikusonyeza mabungwe ndi mitengo mokondera a ndalama chikhalidwe, imene ingagwiritsidwe ntchito.

Chaka ndi chaka, pali kusintha ndi kusintha kwa kuthetsa inshuwalansi chikhalidwe ndi moyo. Iwo amalenga ambiri ubwino Mabwana, kuwalimbikitsa mu chikhulupiriro chabwino kulipira "ndondomeko."

kuwerengetsera Control kwa FSS, FS ndi FFOMS

Chimodzimodzi ndi mmene zimasungidwira ina yoyendera, kafukufuku kuthetsa inshuwalansi chikhalidwe ndi moyo ndi mbali yofunika ya mlandu bungwe. Waukulu cholinga anathamangitsa chiyanjanitso cha kanjedza ndi mfundo zenizeni pa kulipira anthu kuti ndalama boma, chimaonedwabe kupeza kukhulupirika m'munsi kwa kuwerengetsera kuwerengetsera okha kuchuluka kwa zopereka chikhalidwe olembedwa akaundula kulongosola ndi zikalata zenizeni.

Auditor Jean ndalama za inshuwalansi chikhalidwe, ayenera kulabadira kukhulupirika:

• mawerengedwe malipiro;
• kutsatira tariffs ;
• accrual phindu pa ndalama za ndalama boma chikhalidwe;
• ma akawunti natsimikiza adzapereke ndi kulanda premiums inshuwalansi;
• deta ambiri kaundula ndi chintchito "Asayansi za inshuwalansi chikhalidwe ndiponso chitetezo" mu nkhani muyezo wa 69;
• malipoti zikalata za inshuwalansi chikhalidwe ndi Timeliness of amagonjera akuluakulu zogwirizana.

Yowerengera, mawerengedwe ndi ntchito chitetezo nzika 'anapanga pamaziko a deta zodalirika kuchuluka kwa ndalama ndi kukhalapo kwa zifukwa zabwino kugwiritsa ntchito mitengo yafupika, ziro mitengo, kapena anasiya anasamutsidwa. Nthawi operekedwa ndi lamulo, kampani nthawi zonse tizidalira obwezeredwa ndalama mosayenera amalipidwa ndalama. Mfundo yaikulu ya kuthetsa inshuwalansi chikhalidwe ndi moyo - kuteteza anthu ndi kupereka thandizo pa zinthu zofunika kwambiri, pamene burdening prohibitive kuba entrepreneurial gawo.