Mazuvano, zvinokwanisika kubatsirikana kubva kune imwe nhamba yezvibatsiro uye vimbiso dzakaiswa neHurumende, senge vimbiso yega yega yesimba rekutenga. Ichi chivimbiso chinoverengerwa pamusoro penguva yereferensi iyo inopararira pamusoro pemakore mana, kutora Zvita 31 sezuva rinotanga kuverenga.
Mukuwedzera, ivimbiso iyo vashandi vakawanda vanogona kubatsirwa nayo, saka kukosha kwekuziva kuti chii chinovhara uye kunyanya ndeipi mari yavachagamuchira. Kana iwe uchida kuziva zvakawanda, uye pamusoro pezvose kuti unzwisise sei verenga kukosha kwayo, ramba uchiverenga nyaya ino.
Ndeipi tsanangudzo yevimbiso yesimba rekutenga yega?
Iyo yega vimbiso yesimba rekutenga, kana nechidimbu Gipa, uye vimbiso ine chinangwa chekubhadhara kurasikirwa kwesimba rekutenga. chero mukuru, muchiitiko chekuti muhoro wake hauna kuwedzera mukati memakore mana apfuura. Zvinogoneka kuti ubatsirwe kubva pazviri kana shanduko yemuhoro yemushandi yakaderera kana ichienzaniswa neyo indekisi yemutengo wevatengi, uye izvi, pamusoro penguva yereferensi iyo iri makore mana.
Kuti uzive kana iwe uine kodzero yeGipa kana kwete, zvinokwanisika kushandisa simulator yepamhepo. Kana iwe uchikodzera, iyo simulator inogona kukupa iyo chaiyo mari yauchazokwanisa kuunganidza.
Ndivanaani vanobatsirwa nevimbiso yesimba rekutenga?
Vatambi vakasiyana-siyana munyika yebasa vanogona kuva nekodzero kune imwe vimbiso yesimba rekutenga, pasi pemamwe mamiriro ezvinhu.
Chokutanga, vashandi vose vehurumende vane hanya pasina chero chimiro chemamiriro chaiwo.
Zvadaro, vashandi vekondirakiti vari pasi pechibvumirano chekusingaperi (chibvumirano chebasa chenguva isingagumi) muchiitiko chekuti mubairo wavo unoitwa zvichitevera kuverenga uchifunga nezve index.
Pakupedzisira, kunewo vashandi vekondirakiti nguva yakatarwa (fixed-term job contract) avo vanoshandirwa nguva dzose, kunze kwekunge kuri kwemushandirwi mumwe chete mumakore mana apfuura. Pamusoro pezvo, mubairo wavo unofanirwa, nenzira imwechete nevashandi vekondirakiti pachibvumirano chekusingaperi, kuverengerwa pachishandiswa index.
Kazhinji, tinogona kutaura kuti vimbiso yega yega yekutenga simba ine chekuita nevamiririri vese:
- chikamu A;
- chikamu B;
- chikamu C.
Nzira yekuverenga sei simba remunhu wega?
Kana zvichikwanisika kuvimba neinternet simulator kuti uzive huwandu hweGipa hwaunogona kugamuchira, zvichiri kunakidza kunzwisisa kuti inoverengerwa sei.
Iwe unofanirwa kuziva kuti muripo weiyo yega vimbiso yesimba, yatichadaidza kuti G, inoverengerwa pachishandiswa index gross mihoro yegore (TBA) uye pachishandiswa fomula inotevera: G = TBA yegore iro nguva yereferensi inotanga x (1 + inflation panguva imwe chete yereferensi) - TBA yegore re kupera kweiyo nguva yereferensi.
Kuti uverenge gross year index mihoro, kana TBA, inotevera fomula inoshandiswa:
TBA = IM pana 31 Zvita wemakore ekutanga nekupera kwereferensi nguva x kukosha kwepagore kweiyo index point yemakore maviri.
Iwe unofanirwawo kuziva kuti mumiriri anoshanda chikamu-nguva (kana kwete yakazara-nguva) mumakore mana apfuura, achine kodzero yekubatsirwa kubva kuGipa zvichienderana nenguva yaakashanda. Chimiro chichashandiswa munyaya iyi chichava seizvi: G = TBA yegore iyo nguva yereferensi inotanga x (1 + inflation pamusoro penguva yose yereferensi) - TBA yegore iro nguva yereferensi inopera referensi x uwandu. yenguva yekushanda pa31 Zvita wegore iro nguva yereferensi inopera.
Kuti uwane pfungwa yakajairika uye zviratidzo, iwe unofanirwa kuziva kuti nguva yereferensi yakapararira pamusoro pemakore mana, kutanga kuverenga padanho raZvita 4. Kana zviri zvegore negore zveiyo index point, vanoshanduka gore negore. Semuenzaniso, kukosha kwaiva 56.2044 muna 2017. Pakupedzisira, inflation iyo ikozvino inotaridzirwa mu kuverenga i4.36%.
