Mushandi anogamuchira mubhadharo webasa rake kana kuti sevhisi. Uyu ndiwo muhoro wakakwana. Anofanira kubhadhara mipiro iyo ichabviswa zvakananga kubva pamuhoro wake. Mari yaachazowana ndiyo muhoro wemari.
Ndiko kuti: Gross salary shoma mipiro = net salary.
Kuti zvive zvakanyatsojeka, heino maverengerwo anoitwa muhoro wakakwana:
Muhoro wakakwana inhamba yemaawa anoshandiswa yakapetwa nechiyero cheawa. Iwe unofanirwawo kuwedzera chero nguva yekuwedzera, mabhonasi, kana makomisheni akaiswa pachena nemushandirwi.
Mipiro
Mipiro yevashandi ndiyo yakabviswa kubva pamuhoro uye izvo zvinozoita kuti zvikwanisike kuwana mari yekubatsira munharaunda:
- urovha
- Retirement
- Complementary pension
- Inishuwarenzi yehutano, yekusununguka uye yerufu
- Mari dzemhuri
- Tsaona yebasa
- Pension Inishuwarenzi
- Mupiro wekudzidzisa
- Kuvharwa kwehutano
- Dzimba
- Urombo
Mushandi wega wega anobhadhara mipiro iyi: mushandi, mushandi kana maneja. Nekuwedzera ivo, vanomiririra ingangoita 23 kusvika 25% yemuhoro. Kambani inobhadharawo mipiro yakafanana iyi parutivi payo, ndiyo mugove wemushandirwi. Mipiro yemushandirwi inofanirwa nemakambani ese angave maindasitiri, mabasa emaoko, ezvekurima kana akasununguka. Mushandirwi anobhadhara zvikamu zviviri izvi kuUSSAF.
Iyi nzira yekuverenga inoshandawo kune vashandi venguva pfupi. Vachabhadhara mipiro yakafanana, asi maererano nemaawa avo ekushanda.
Sezvauri kuona, kuverenga uku kwakaoma, nekuti zvinoenderana nerudzi rwekambani yaunoshanda uye chimiro chako.
net salary
Net salary inomiririra mari yese yakabviswa kubva mumipiro. Zvadaro, iwe uchafanirwa kubvisa mutero wemari zvakare. Mari chaiyo yauchapihwa inobva yanzi net salary yauchabhadharwa.
Muchidimbu, muhoro wakakwana ndiwo muhoro usati waiswa mutero uye muhoro wakazara ndiwo unowanikwa kana mhosva dzese dzabviswa.
Basa revanhu vose
Mipiro inobva kuvashandi vehurumende yakaderera zvikuru. Vanomiririra ingangoita gumi neshanu muzana yemari yemuhoro wakakura (panzvimbo ye15 kusvika 23% mubazi rakazvimirira).
Uye kune vanodzidzira basa?
Muhoro womushandi webasa wakasiyana neemushandi. Chokwadi, anogamuchira mubairo zvinoenderana nezera rake uye hukuru hwake mukati mekambani. Anogamuchira chikamu cheSMIC.
Vechidiki vari pasi pemakore makumi maviri nematanhatu uye vari pachibvumirano chekudzidzira basa havabhadhare mipiro. Muhoro wehomwe unobva waenzana netwo muhoro.
Kana muhoro wakakwana wemudzidzi wakakwira kupfuura 79% yeSMIC, mipiro ichafanirwa chete nechikamu chinodarika iyi 79%.
Nezve internship makondirakiti
Vechidiki vazhinji vanoshandirwa painternship uye vanobhadharwa kwete nemuhoro, asi neinonzi internship gratuity. Izvi zvinoregererwawo kubva pamipiro kana isingapfuure Social Security deductible. Kupfuura izvozvo, achabhadhara mimwe mipiro.
Ngatisakanganwe vakasiya basa
Isu tinotaurawo nezve gross pension uye net pension yevakaenda pamudyandigere sezvo ivo vachipawo uye vari pasi pezvinotevera zvekuchengetedzwa kwevanhu:
- Iyo CSG (Generalized Social Contribution)
- Iyo CRDS (Mupiro weKudzoserwa kweChikwereti cheSocial)
- CASA (Yekuwedzera Solidarity Contribution yeKuzvitonga)
Izvi zvinomiririra chikamu chegumi kubva muzana zvichienderana nebasa rawabata: mushandi, mushandi kana maneja.
Mari yese yepenjeni kana yepenjeni inova mari yepenjeni. Iyi ndiyo mari chaiyo yauchatora muakaundi yako yekubhangi.
Iyo gross uye net muhoro wevatariri
Paunenge uine chinzvimbo chepamusoro, huwandu hwemipiro hwakakwirira pane hwemushandi kana mushandi. Izvo zvakakosha kuti uwedzere idzi pfungwa shoma:
- Chikamu chinobviswa papensheni chakakwira
- Mupiro kune APEC (Sangano reKushanda kweVashandi)
- Mupiro weCET (Unoshamisa uye Mupiro Wenguva pfupi)
Saka, kune vatungamiri, musiyano pakati pemari yakawanda uye muhoro wemari wakakwirira kudarika kune vamwe vashandi vane chimwe chimiro.
Iyi tafura diki, yakanyatsojeka inotsanangura kwauri mune mashoma manhamba uye nenzira chaiyo musiyano pakati peiyo gross salary uye net muhoro wemhando dzakasiyana dzehunyanzvi. Ichabatsira pakunzwisisa kuri nani:
| chikamu | Mari yemuhoro | Muhoro wepamwedzi wega wega | Mubairo wepamwedzi wega wega |
| framework | 25% | €1 | €1 |
| Non-executive | 23% | €1 | €1 |
| Riberal | 27% | €1 | €1 |
| Public Service | 15% | €1 | €1 |
