Indexing kholo likulu: mmene kukula kwa ndalama mu 2016?

Today yaikulu kutsutsana ndi otchedwa indexation likulu umayi. malipiro Izi amagwira ntchito yofunika kwambiri pothandiza mabanja ndi ana angapo. Mu Russia, m'mayiko onse, mitengo akhala kuwuka pa nthawi. Phindu ndi penshoni ali chakumapeto kwake. Kodi ukuwonjezeka matkapital? Kodi Russia kukonzekera kuonjezera malipiro imeneyi? nkhani angamvele za malipirowo? Ndipo tani chikalata? Ine kumvetsa zonsezi si monga zovuta monga izo zikuwoneka. Chinthu chachikulu kuti uzindikire kumene choonadi ndi bodza. Pambuyo uthenga wa umayi likulu kwambiri. Ndipo okha ena a iwo angatchedwe woona.

kuwonjezeka kwambiri

Chinthu choyamba chimene anakopeka operekedwa kuphunzira - uthenga posachedwapa osanjidwa umayi likulu. Chinthu chakuti tsopano mungapeze view zimene timachita osati index, koma ambiri kuukitsa nkhani ya ndalama. Kodi kwenikweni tikunena chiyani?

Si kale anali bwana kuonjezera matkapital boma amene ali m'mayiko a mwana wachitatu. Zokopa mabanja kulipira pafupifupi 1.5 miliyoni rubles. Mfundo imeneyi kwachititsa anthu kuganizira kubwezeretsa banja.

Koma ambiri amayembekezera kukhumudwa. Chotero indexation likulu umayi anakanidwa. Accrue kuti nzika zonse za thandizo la ndalama pamlingo kakang'ono popanda chiwerengero cha ana mu chipinda opatsidwa anthu. Choncho, kuchuluka mphoto chiwerengero bwino m'dziko alibe kudikira mu mitengo ndaitchula.

indexing ndi chiyani?

Kenako, kuchilingalira - ndi Kuwulura mfundo indexing. Ndipotu, osati aliyense akumvetsa zimene uli pangozi. Ndipo ambiri, ngati pali mawu akuti zokhudzana ndi kupereka phunziro?

Kwenikweni, inde. Indexing - ndi kuonjezera ndalama, malingana mlingo kufufuma mu dziko. muyeso Izi zimathandiza kusunga moyo wa nzika za mlingo chomwecho. Koma pa emoluments chomwecho mu nkhani inayake, kuchuluka kwa kukula.

Indexing umayi likulu kwenikweni zimachitika. Koma ambiri kuzitcha izo kuwonjezeka chabe. Choncho n'kofunika kuzindikira kuti boma si alephere ndalama kuphunzira.

kusintha Recent

Koma mu nthawi zovuta m'pofunika kugwirizana pa zimene yeniyeni. Last osanjidwa umayi likulu chinachitika mu 2015. Ndipo kuyambira pamene malipiro si kuchuluka. Ngakhale kukula amphamvu kufufuma mu Russia.

Choncho, panalibe indexation mu 2016. Pa nthawi, kukambirana ndi pansi njira kuonjezera ndalama matkapitala mu 2017. Akuti malipiro ndalama akadali kwambiri. Iwo okha mpaka kudikira mpaka chaka chatsopano. Kutha kwa 2016 izo ndendende kudziwika kuonedwa chakumapeto kwake kapena ayi.

Indexing njira zopezera

Kukula kwa indexation kholo likulu zimadalira mlingo kufufuma mu nthawi inayake. Plus nkhani boma bajeti boma linavomereza mu Russia. Zanenedwa kuti ndalama kupelekedwa ndi kubadwa kwa ana wachiwiri kapena wotsatira, Sikudaonjezere kuchokera 2015. Ndipo izo zonse chifukwa cha mkhalidwe wa bajeti boma ndi mavutowo.

Funso zimene zimapangitsa ambiri amaganiza - ndipo ngati pakhala osanjidwa umayi likulu, lomwe kale analandira? Ngati mu 2016 nzika akatunge satifiketi, ndipo mu 2017 kwenikweni zikuchitika malipiro indexing, chimene kuchuluka muyenera zotani?

Amene adzaphedwa mu 2017. Mfundo ndi kuti satifiketi kupelekedwa ndi Fund ndi penshioni ya Russia, amathandiza indexing. Ndipo ngati inu kutenga chikalata chaka chimodzi, choncho dikirani kwa kuchuluka kwa ndalama, kenako yekha ntchito, ndi Uwerenge latsopano chichitike.

muyezo

Kodi ngati matkapital sanali ntchito kwathunthu? Pa nthawi imene nzika kulandira kalata, ndiyeno bwinobwino "yambitsa" izo. Kodi osanjidwa umayi likulu mu zikachitika? Ndipotu, kobiri yonsene ndi kuchuluka!

Ndipo wotsalawo, nayenso. Iye adzakhala osanjidwa malingana ngati munthuyo sakufuna ntchito kachiwiri kwa ndalama. Ndiye kuti, ndi ena kuchuluka kuonjezera ndalama, koma yaikulu monga kuchuluka okwana.

Choncho, indexing amagwira ntchito yofunika anthu ambiri. Timatha mu nkhani inayake, kugwiritsa ntchito kuchuluka kwa ndalama ndipo sataya chilichonse chifukwa cha kukwera kufufuma mu dziko.

Pamene index?

Anthu ambiri amadabwa, pamene pali indexing likulu kholo. Kuti tiyankhe funso limeneli n'zovuta mu yadziko. Ambiri, kuwonjezera ndalama zinthu kwa makolo zinachitika chaka. Kawirikawiri January chaka chilichonse. Koma kuti mudziwe za indexing anayenera zonse kuwunika.

Ndipo tsopano si chidwi posachedwapa za likulu umayi, komanso kupidziwa kuwonjezeka zake zidzachitikadi. Zonse wofanana. Ngati indexing chikuchitika mu 2017, anazindikira izo zinali mu January. Only zina kuonjezera ndalama akhoza kuchitika pakati pa chaka - mu July kapena August. Choncho, January, nzika adzakhala ndi ufulu kulandira likulu umayi kuchuluka.

ndi chaka

Ambiri amadabwa mmene kuchuluka malipiro nthawi akuphunziridwa lero. likulu umayi (osanjidwa mwa chaka nkhani za kalata walembedwa m'munsimu) kwambiri zinasintha. Poyamba ngati chithandizo achita nzika ndi mbiri banja la ana 2 ndi zambiri zazing'ono. chikhalidwe ichi lidakalipobe mpaka lero. Kupatula kuti kukula kwa ndalama kuchuluka. The ndondomeko kuthandiza mabanja ndi ana angapo inayamba mu 2008. Kuyambira pamenepo, nzika adalandira ndalama izi (zaka);

• 2008 - 276 000 250 rubles;
• mu 2009 - 321 zikwi 162 rubles;
• 2010 - 343 378 rubles;
• mu 2011 - 365 a zikwi 698 rubles;
• 2012 - 387 640 rubles;
• mu 2013 - 408 960;
• 2014 - 429 a zikwi 408 rubles;
• mu 2015 - 453 026 rubles.

likulu indexing umayi sanali ikuchitika mu miyezi 12 zapitazo. Ndiyeno mu 2016, malipiro imeneyi inali yofanana mu 2015. Izi zikutanthauza kuti 26 453 000 rubles, onse ali mabanja amene yofunsira matkapital.

chiwerengero

Chinthu chotsatira kuti anthu achidwi - ndi kukula kwa osanjidwa umayi likulu. Ndipotu, chiwerengero angathandize nokha kuwerengera ndalama zingati masitolo kale pang'ono ntchito zikalata.

Zakhala mobwerezabwereza ananena kuti malipiro si osanjidwa anaphunzira 2016. Choncho, nthawi ili gawo la nthawi ndi wofanana 0. Monga momwe kuchuluka malipiro m'mbuyomu? Kuyambira mu 2008 mpaka 2015 Ponena kuti indexation anali motero:

• 10,5%;
• 13%;
• 10%;
• 6.5%;
• 6,0%;
• 5.5%;
• 5%;
• 5.5%.

Choncho, mu 2008, indexation anali peresenti 10,5 ndipo mu 2015 - 5.5. Ndipo ali ranges izi zakonzedwa kuti achite kuwonjezeka mu malipiro. Ngati ndi onse. Pa mfundo imeneyi 2017, Boma akumufunsira kuonjezera ndi 5.5% analipira likulu.

Documents kugonjera

Indexing umayi likulu - ichi ndi yofunika pothandiza anthu ndi ana angapo. Mu 2017, kuchuluka kwa ndalama chikuyembekezeka izuchamoy. Koma zikhoza analandira? Kodi muyenera makolo? Kumene, ndi pambuyo panali 2 kapena zambiri mwana nzika. Sikuti yomweyo.

The zikalata ayenera kupereka zotsatirazi Fund ndi penshioni:

• zitupa makolo;
• zosonyeza kubadwa kwa ana;
• kukhazikitsidwa mapepala / Kutengera (ngati);
• ntchito;
• SNILS juveniles onse ndi wodandaulayu.

Palibe china chofunika. Mapale amapatsidwa kwa RPF, ndiye kalata wapadera wosindikiza banja. Iwo wolandira adzakhala kutchulidwa, komanso kuchuluka amene anaika pa nthawi ya issuance. Kumbukirani kuti pamene indexing kwenikweni adzakhala recalculated. Koma kusintha satifiketi si chofunika. Pamene ntchito bukuli adzakhala basi recalculate ndalama pa. Panthawi imeneyi munthu sayenera nkhawa.

anapezazo

Last osanjidwa umayi likulu chinachitika mu 2015. Pakadali pano, kuchuluka kwa dongosolo lino malipiro, koma palibe amene akudziwa zenizeni ngati amenewa. Ndipotu, indexing n'kofunika anthu. Price kufufuma likutuluka. Ndipo kenako ndalama kungakhale pafupifupi opanda ntchito. Choncho, nthawi zina m'pofunika kucheza kuwonjezeka ubwino.

Mu 2017, apakati likulu dongosolo kusiya ndi kuwonjezapo. Pafupifupi 495 000 rubles. Choncho, akukhulupirira kuti indexing ndi unagwiritsabe. Tingathe kutsatira posachedwapa ndipo dikirani kuti malipiro kuwonjezeka. Ngakhale mavuto masiku ano, likulu makolo onse kuchotsedwa. Pakadali pano, dongosolo la thandizo boma anawonjezera mpaka 2020. Koma zimenezi sizikutanthauza kuti sangathe kuletsa pangozi.