Penshoni munthu wazamalonda

Monga amadziwika, boma bajeti penshoni anapanga kudzera mwa Fund ndi penshioni zopereka amene ali mokakamizidwa kwa mabungwe onse ndi amalonda payekha. M'nkhani ino tikambirana zinthu ndi amachotsera bizinesi (SP).

Ndi boma monga PI ndi, munthu anakumana ndi kufunika osati misonkho kokha, komanso kulanda ndalama kuvomerezedwa kuti Fund ndi penshioni ya la Russia. Lamulo lililonse IP - ndi inshuwaransi penshioni inshuwalansi. Fomu ya malipiro - lamulo ndi compensatory. Zopereka kwa thumba penshioni anapanga penshioni.

Kunatanthauzanso ndi zopereka kwa Insurance Social Fund (Social Insurance Fund) ndi OMS (mokakamizidwa zachipatala). Kukula kwa limanena onse analipira kuchita masamu zochokera mtengo wa chaka inshuwalansi.

Mtengo wa woyengedwa chaka monga mwa chilamulo "Pa premiums inshuwalansi." zopereka penshioni ndi mokakamizidwa kwa wazamalonda payekha. kukula - ndi zochuluka. Yofunika chenjezo: zopereka penshioni SP amalipira, ngakhale mu chaka panopa, bizinesi sanali ikuchitika. mchitidwe Izi zikusiyana ndi kulingalira Komabe, complies ndi malamulo ena ogwila ntchito.

Ngati ntchito ya PI mipingo chifukwa zinthu kuyenera khalidwe, kulephera kulipira zopereka ndalama penshioni ndi zina mokakamizidwa kuti ndikhoza kutsimikizira kukhoti. Koma ngati bwalo salandira kuzemba zokhudza malipiro a premiums inshuwalansi okhoza ngongole adzakhala nkhani ku chilango cha ku chigamulo.

zopereka penshioni, monga kuchuluka amodzi udzayesedwa mu 2011 kwa amalonda payekha 26% kuchuluka kwa phindu. inshuwalansi - 3.1% (mu ndalama boma) ndi 2.0% (mu dera lawo Fund). Kuchuluka kwa ndalama atathana cha 2011 ndi aliyense wa wazamalonda munthuyo 16159 rubles. 56 kopecks. Yofanana ndi kulipira munthu, bizinesi imene ndi kupereka chithandizo notarial ndi malamulo.

zopereka penshioni mu 2012 kuchuluka kwa 14386 rubles. 32 kopecks., Koma mu 2013 kuchuluka ichi chidzachulukira kwambiri. Lamulo amapereka kuwonjezeka kwambiri zopereka penshioni kwa SP ndi kale anadutsa State Duma mu kuwerenga komaliza, ngakhale chochititsa manyazi ndi chopusa anthu, kukhala wosasangalala ntchito kusintha penshioni.

zopereka penshioni kwa amalonda munthu zimadalira malipiro osachepera - malipiro osachepera. Mu 2012, mtengo wa malipilo yochepa anali 4611 rubles, mu January 2013, kuchuluka izi kuchuluka kwa 5205 rubles. Kotero kuti ndalama penshioni adzawonjezera Mulimonsemo. Komanso, chilinganizo watsopano kuwerengetsa kukula kwa inshuwalansi malipiro atathana kumaphatikizapo kugwiritsira kuwonjezeka koefishienti, kukula kwa amene kumawonjezera chaka chilichonse.

Mlandu penshioni m'chaka kuchita masamu motere: mankhwala a malipiro osachepera ndi chiwongola dzanja la zopereka penshioni (26%) kuchulukitsa ndi 12. Uwerenge malipiro osachepera, payokha kukula chaka ndi chaka anapezazo adzatenga kuchuluka awiri kwa chaka 2013, chifukwa 2014 - kuchulukitsa ndi 2.5 cha 2015 ndipo kupitirira - chinawonjezeka ndi 3 zina. Ndiye kuti, ndi kuliika malipiro a ochita bizinesi munthu mu 2015 akhoza kufika kuchuluka kwa 49 zikwi. Rubles.

Izi kuchuluka lakuthwa mu ndalama zopereka penshioni boma anafotokoza kufunika kwa kuthetsa kukula kuchepekedwa FIU bajeti, kusowa ndalama zomwe chawonetsedwa tsopano mwa kubwera ku dziko ndalama amakumana ndi zipangizo. Koma kusuntha kukula kwa mavuto mu penshioni ya amakhoma misonkho wamba - losatheka.

Anthu ambiri amene tsopano ntchito ndipo amalipira zopereka penshioni, kwambiri kukayikira mphamvu ya boma zaka zingapo kapena makumi amene angawapatse penshioni yabwino. Choncho chikaiko zimathandiza mafanizo asamadye Fund ndi penshioni ya zopereka anapeza - kumanga ndi mapeto yapamwamba ya nyumba zatsopano kwa akuluakulu, kugula zida zodula ndi makina.