Chidwi kwa penshioni ku Germany

Anafuulira mfundo ina chidwi: ku Germany, mmodzi wa zosiyanasiyana zothandiza kwambiri penshioni mu Europe. Chifukwa chiyani? Werengani pa.

The mitundu ikuluikulu ya malipiro

Penshoni ku Germany ali m'magulu atatu:

- Nkhani zaka.

- kudalira ankamvetsa (ngati mlandu anapulumuka).

- malipiro olumala pamene pali wathunthu ndi akatswiri chilema anthu.

tsatanetsatane

Taonani yoyamba - ndi penshioni mu Germany amene zaka. Zikuphatikizapo mitundu yambiri ya malipiro:

- Total malipiro pamene munthu wa zaka 67 (lenileni kuchokera 2012), ngati pali kuntchito osachepera zaka 5.

- Phindu vuto la imfa (tsankho kapena wathunthu) ntchito mphamvu anthu ali ndi zaka 60, ngati munthu akapezeka osayenera kugwira ntchito ndi zimene zinamuchitikira wa zaka 35.

- malipiro zaka kuti lova kapena amene zikugwira mbali pa msinkhu wa zaka 60. Izi zikugwira ntchito kwa anthu amene zaka 1.5 sikukanakhala ntchito ofunda, komanso ogwira ntchito amene kugwira ganyu ndi osachepera 52 masabata kapena miyezi 24. Mkulu adzakhala zaka 15.

- ndalama kwa anthu amene ali zaka zoposa 35 zambiri dziko.

- ndalama yekha kwa azimayi omwe anabadwa mu 1952 afika zaka 60 zakubadwa amene achita zimenezi dziko la zaka 15. zaka 10 ndi mwezi 1 udzagwa pa nyengo pambuyo zaka makumi anayi.

- Phindu kwa Anthuwa ndi kujayira kwa zaka 25 amene afika zaka 60 zakubadwa.

Penshoni ku Germany si mlandu basi. M'pofunika ntchito kwa mtundu winawake wa ubwino. Adzakula kulemba mwapadera. penshioni pantchito akafuna yekha anthu amene achita izo. Ufulu umenewu sangathe anasamutsidwa, kumachitika pansi zikhalidwe zafotokozeredwa malamulo. Lamulo lalikulu - isanayambike zaka chogwirizana kuyesetsa payokha lililonse gulu.

mfundo zofunika

Kwa penshioni mu Germany, inu muyenera kukhala chiwerengero ena a zaka za ntchito imene inshuwaransi. Zimenezi zimatchedwa Wartezeit. Zonse zimatengera mtundu wa phindu. Nthawiyi akhoza zosiyanasiyana, kuyambira zaka 5 mpaka 35.

The penshioni ambiri Germany mu 2013 ndi mayuro 1266.

inshuwalansi

M'dziko lino muli mitundu yambiri ya pulogalamu. Pali magulu atatu akulu akulu:

- Chofunika gosobespechenii.

- Insurance mabizinezi.

- chitetezo Non-boma, ndalama payekha.

Insurance State ndi kuvomerezedwa kwa anthu onse ndalama mwezi wa mayuro zoposa 3900 pamaso deducting ndi misonkho kutero. dongosolo ndi chikhalidwe ndithu. Kwenikweni ake ali kuti anthu ntchito zinthu zothandiza thumba ndalama a pensioners moyo. Dziko lili ndi mfundo kusokonekera - mtundu wa mgwirizano wa umodzi wa anthu a mibadwo yosiyana. Palibe kudzikundikira zopereka analandira, iwo ntchito mwakamodzi. Ambiri a ku Germany ndi ndalama apamwamba amakana mtchalitchi, adapotolokera kwa amalonda payekha. Ndi otchuka pakati alimi ndi anthu amalonda. Wolipira wasankha mochuluka bwanji izo deduct pamene anamaliza mgwirizanowo za inshuwalansi penshioni.

Kuchuluka kwa penshioni ku Germany woyenera, tili ndi kuphunzira kuchokera kwa iwo. Anthu a dziko ino amakhulupirira kuti ngati mulibe kusamalira chitetezo chawo mu ukalamba, ndiye palibe adzatero. Choncho usaganize kuti mkulu phindu - mtengo kokha maulamuliro onse a dziko, monga ambiri ku Russia.