Kurova chaiko. Iko inflation boom yakakonzerawo kudzokororwa kwakasimba kwekubhadhara kubhadhara (TFR) [TFR chinhu chakamisikidzwa chemubairo chinobhadharwa kumushandi pakupera kwehukama hwebasa, zvisinei nerudzi rwekubvisa, uye rwunowanda pamwedzi. Uyu muripo uyo mubhadharo unodzoserwa panguva yekugumiswa kwehukama hwebasa, kunze kwekunge paine zvisizvo zvinopihwa nemutemo uye zvibvumirano zvibvumirano zvinopindurawo kumitemo chaiyo yemutero wayo.] izvo zvinogona kudyira mabhizinesi madiki avhareji ye1.500 euros yakawanda pamushandi wega wega gore rino, zvichikonzera imwe mari kumabhizinesi aya ane vashandi vasingasviki makumi mashanu vanofungidzirwa, nekuchengetedza, inosvika mabhiriyoni matanhatu emaeuro.
Maverengero akaitwa neCGIA Research Office, vachirangarira kuti vashandi vemabhizinesi madiki vane vashandi vasingasviki makumi mashanu vane mukana wekuendesa mari yavo yekusiya basa muhomwe yepenjeni yekuwedzera.maererano ne "Chirevo chegore ra2022" cheSupervision Commission paPension Funds (COVIP), kune 6,7 miriyoni vashandi vekuItaly (veruzhinji nevega) vakanyoreswa mune yekuwedzera mari yepenjeni. Iko kukanganiswa kwepakati pevashandi vese kwakaenzana ne37,2 muzana], kana kuisiya mukambani [mukana uyu uripowo kune vashandi vemakambani ane vashandi vanopfuura makumi mashanu, nemusiyano wekuti kana vakasarudza kusaisa TFR mumari yepenjeni, mari yakawedzerwa hairambe iri mukambani, asi inobhadharwa neyokupedzisira mune imwe homwe. inotungamirirwa neINPS]. Kunyangwe pasina humbowo hwechiverengero chaihwo, chikamu chakanaka chevashandi vanoshanda mumakambani madiki aya vagara vakasarudza yechipiri hypothesis. Gore rega rega, saka, mari yemubhadharo wekusiya basa inoiswa parutivi [kunze kwechikamu chakaunganidzwa mukati megore, chakaenzana nemuhoro wemwedzi mumwe chete] inoongororwazve [kuongororwa kwegore negore kwemari yakaiswa parutivi seTFR inobatawo mari yakabhadharwa kuINPS Fund, asi muchiitiko chekupedzisira mutoro unotakurwa neHomwe yacho pachayo.], sezvinodiwa nemutemo, ye1,5 muzana iyo inowedzerwa 75 muzana yekuchinja kweinflation kwakaitwa muna Zvita zvichienzaniswa nemwedzi mumwe chete wegore rapfuura. Mukugadzirisa uku, zvakaonekwa kuti mari yakatemerwa mushandi wega wega yakabatana nehurefu hwesevhisi uye kuti muna Zvita 2022 inflation yakawedzera ne11 muzana zvichienzaniswa nemwedzi mumwe chete muna 2021.
Naizvozvo, hofisi yekutsvagisa yeCGIA yakafungidzira kuti mushandi anga achishanda kwemakore mashanu mukambani imwe chete ine vashandi vasingasviki makumi mashanu, kuongororwa kwemubhadharo wake wekusiya basa kuchakonzera kuwedzera kwemitengo ye5 euros mubhajeti ra50 zvichienzaniswa nezvaive. akazivikanwa kumushandi zvakare nekushanda uku munguva kubva pakubhadhara kwake kusvika 2023. Kana, zvisinei, kureba kwebasa iri makore gumi, kuwedzera kwaiva 593 euros, nemakore gumi nemashanu ekushanda, zvisinei, kuwedzera kuri 2020 euros. Chekupedzisira, kana mushandi akafamba nemumikova yekambani mazuva ese kwemakore makumi maviri, mari yekuwedzera kune yekupedzisira yasvika 10 euros.
Iko kufungidzira kwekuwedzera mari
Zvinofanira kucherechedzwa kuti, kazhinji, vashandi vemabhizinesi madiki vane hurefu hwesevhisi kupfuura vavanoshanda navo vanoshanda mumakambani makuru. Iwo ekupedzisira makambani ayo, nekuda kwekubhadhara kwe "inorema" mihoro, anowanzo kuve ne "inosimudzira" mutengo pane makambani madiki. Zvinofanirwa kusimbiswawo kuti huwandu hwevashandi vemakambani madiki vakaendesa mari yavo yekusiya basa kuhomwe yepenjeni hushoma. Sezvatataura pamusoro, ruzhinji rwevashandi vane 6,5 miriyoni vanoshanda mumakambani ane vashoma vashandi makumi mashanu "vanovasiya" nekambani. Tichifunga kuti avo vakasarudza kusaendesa kuhomwe yepenjeni yekuwedzera ndeye 50 miriyoni (inenge 4,3 muzana yehuwandu) uye vane avhareji urefu hwesevhisi yatinofungidzira kuve makore gumi, shanduko mukudzokororwa kweTFR kana ichienzaniswa. avhareji yakabhadharwa kune mushandi panguva kubva pakuhaya kwake kusvika 66 yaive yakanaka uye nehungwaru yakaenzana neanosvika mabhiriyoni matanhatu. Muchidimbu, kumakambani emamiriyoni nehafu ane vashandi vasingasviki makumi mashanu varipo muItari, kukwira kwemitengo kungadai kwakakonzera, maererano neTFR, kurova kunotyisa uko, kwakawedzera kumhedzisiro inokonzerwa ne "kusaziva" kuwedzera. mareti emubereko akasarudzwa neECB asundidzira hurongwa hwekugadzira nyika yedu mukuoma.
Kuichengeta mukati-mumba kune mukana kune vemabhizinesi
Zvisineyi, zvinobatsira kutaura kuti muripo wekusiya basa inzira yemuhoro wakamisikidzwa; kana mushandi akasarudza "kumusiya" mukambani, migumisiro yemari inogonawo kuva yakaipa, sezvakaitika gore rino. Nekudaro, zvichiri kudiwa kune kambani kuti mushandi anonamatira kune iyi sarudzo. Muchokwadi, kubata nekushaikwa kwemari yakagara ichiratidzira hupenyu hwezuva nezuva hwezvinhu izvi, kuve nekuwedzera zviwanikwa zviripo, kunyangwe zvisiri "zvemumwe", zvakakosha. Mari iyo, zvisinei, muzvinabhizimusi ane "chikwereti" uye anofanira kubhadhara zvishoma muchikamu kune mushandi wake kana wekupedzisira achikumbira panguva yekushanda kana zvachose pakupera kwehukama hwebasa.
Mabhizinesi madiki kuSouth ndiwo anorangwa zvakanyanya
Kusina data iripo ine chekuita nehuwandu hwevashandi vanoshandirwa mumakambani ane vashoma pane vashandi makumi mashanu vakafunga kuendesa TFR yavo mumari yepenjeni, padanho renzvimbo tinogona kufungidzira kuti mabhizinesi akanyanya "kukanganiswa" nezvemari nekudzokororwa kwekubhadhara mari. vevashandi vayo vaive vari munzvimbo dzinorema huremu hwemakambani madiki maererano nevashandi. Nokudaro, mamiriro ezvinhu akaoma zvikuru anofanira kunge akakanganisa South uye kunyanya Vibo Valentia, apo 50 muzana yemakambani ane vashandi varipo mupurovhinzi vane vashoma pane vashandi ve91. Ichiteverwa naTrapani (50 muzana), Agrigento (89,3 muzana), Nuoro (88,7 muzana), Campobasso (88,3 muzana), Prato (86,1 muzana), Grosseto (85,7. 85,6 muzana), Cosenza (85,1 muzana), Imperia (84,7 muzana) ) uye Barletta-Andria-Trani (84,3 muzana).
ZVAKAdzama: ZVIMWE ZVINOTAURWA PATFR
Pakupera kwehukama hwebasa, mushandi ane kodzero yekubhadharwa. Kurapwa uku kunoenderana nehuwandu hwezvirongwa zvepagore zvichibva pamuhoro wake wakakura. Kunyanya, iyo yegore yeTFR quota yakaenzana ne6,91% yemuhoro wake wepagore (gross salary yakakamurwa ne13,5 net yemupiro wekuwedzera wakaenzana ne0,5% yemuhoro wacho).
Mushandi anogona kusarudza kusiya mari yekusiya basa mukambani, kana kuraira mushandirwi wake kuti aiendese kuhomwe yepenjeni yekuwedzera. Mari yekusiya basa yasara mukambani inoiswa parutivi muhomwe yakakosha nemakambani ane vashandi vasingasviki makumi mashanu uye inobhadharwa muhomwe yemari yeINPS nemakambani ane vashandi vanopfuura makumi mashanu.
Muripo wekusiya basa usina kuitirwa kupihwa penjeni yekuwedzera, ingave inoramba iri mukambani kana kuti inoyerera ichipinda muhomwe yepfuma yeINPS, inokosheswa gore rega rega kuitira kuchengetedza kukosha kwayo kubva mukukwira kwemitengo.
Panyaya yemakambani ane kanenge 50 vashandi, mutoro revaluation anoramba akatakurwa INPS treasury homwe, nepo kune vari pazasi ichi mutoro revaluation inotakurwa varidzi.
Kuongororwa kwegore negore kweTFR kunoitwa nekushandisa kune mari yakatarwa (pamwe nekusabatanidzwa kwechikamu chakawedzerwa mukati megore), chiyero chinosanganisira 1,5% muhuwandu hwakatarwa uye 75% yekuwedzera kwekuwedzera kwemari kana ichienzaniswa ne mwedzi waDecember we 'gore rapfuura.
Kwegore ra2022 chiyero chekudzokorora chaive chakanyanya kukwirira, chakaenzana ne9,974576%, zvichibva pahuwandu hwe1,5% yakatarwa mwero uye 75% yekusiyana kweinflation yakaenzana ne11%. Nekuda kweizvozvo, muna 2022, makambani ane vashandi vasingasviki makumi mashanu akaona kuwedzera kukuru kwehuremu hwekudzokororwa kwemari yekusiya basa iyo vashandi vakasarudza kusaisa kuhomwe dzepenjeni.