Ufuna ukwazi indlela yokubonisana okanye ukubona a Ubume beakhawunti Indawo yokuhlala EPeru, eli nqaku libonisa, ngaphezu kokuchaza oko kuhambelana ne-akhawunti nganye phantsi koxanduva lwe-Habitat Pension Fund Administrator (AFP) ePeru.
Ubume beAkhawunti Yendawo yokuhlala
Ingxelo yeAkhawunti ye-AFP-Habitat ikuvumela ukuba ubeke iliso ngamaxesha athile kwimisebenzi yengxowa-mali, ukujonga ukuvela kwayo, kwaye ngenxa yoku ungasebenzisa isixhobo sakho esiphathwayo okanye itshaneli zeBhanki ebonakalayo.
Kodwa ngaphambi kokubonisa indlela yokuphonononga iNgxelo ye-Akhawunti yakho ye-Habitat ePeru, kubalulekile ukwazi ukuba i-Pension Fund Administrator (AFP) isebenza njani?Ziziphi iinzuzo zayo?Yintoni i-Habitat?
Abalawuli bePension Fund
I-AFPs, inenjongo yokudibanisa inkqubo yepenshini esabela kwiimfuno zentlalo kunye nezoqoqosho zabantu basePeru, zijongwa kwaye zilawulwa yi-Superintendence yeBhanki, i-Inshurensi kunye ne-AFP.
Njengamaziko abucala emali, alawula iingxowa-mali zomhlala-phantsi njengeeakhawunti zobuqu, esinye sezibonelelo zabo kukubonelela umhlala-phantsi, isiphene, umhlala-phantsi, ukongezelela ekuhlawuleni iindleko zomngcwabo.
Ukusebenza kwezi nkampani kuxhaswa yizicwangciso zotyalo-mali ezenziwa kunye neminikelo yabadibeneyo, oku kuthetha ukufumana inzuzo yexesha elide okanye izabelo.
Ubulungu
EPeru, ukhetho lokubambisana lomsebenzi ofuna umgangatho wobomi xa uthatha isigqibo malunga nokhetho lokuthatha umhlalaphantsi, lunikezelwa ngeendlela ezimbini, ngenkqubo yomhlalaphantsi elawulwa yi-AFPs kunye neNkqubo yeSizwe yoMhlalaphantsi.
Ukunxulumana nenkqubo yomhlalaphantsi yabucala kuthetha ukuba kunokwenzeka ukuba umntu akhethe ukwenza nayiphi na indlela yokuthatha umhlalaphantsi, ayenze ibe sesikweni ngokusayinwa kwesivumelwano sokusebenzisana.
Abasebenzi abaxhomekeke kubo banokujongana nokubandakanywa kwabo bakuba belucelile kumqeshi wabo ukuba nje kufuneka benze iminikelo kunye nabasebenzi abazimeleyo ngokunikezela ngesazisi sabo kunye nokusayina i-afidavithi.
Ukunxulumana nenkqubo yabucala yomhlalaphantsi kuthetha ukuba kunokwenzeka ukuba umntu akhethe uku:
- Ukurhoxiswa okucwangcisiweyo Olu khetho likuvumela ukuba uqhubeke nokufumana inzuzo ngelixa ufumana imali yomhlalaphantsi ephinda ibalwe ngonyaka, izalamane zakho ziyifumana njengelifa xa unokusweleka.
- I-Annuity yoBomi beNtsapho, imali eqokelelweyo ilawulwa yi-inshurensi kwaye iya kwabelwa kwi-indexed soles okanye iidola, ukuba uyafa akukho zindlalifa kwi-fund.
- Ingeniso yexeshana kunye ne-Deferred Life Annuity, yindlela exubileyo apho i-50% yemali iya kwi-inshurensi kwaye unomvuzo kwi-akhawunti yakho, oku akunakuba ngaphantsi kwe-50%.
- I-Staggered Life Annuity, ingxowa-mali ilawulwa yi-inshurensi kwaye yenziwe ngamacandelo amabini, ivelisa ipenshini yomntu osindileyo.
- Ukhetho oluxubeneyo apho sitsala imali kunye nepenshini yomhlalaphantsi.
Iintlobo zeminikelo yamalungu
- Kunyanzelekile ukuba ukwenze ngenyanga yomsebenzi, oku kwenziwa ngentlawulo yokubambisana exhomekeke kwi-AFP, ikhomishini yokuhamba.
- Ngokuzithandela, ejolise ekwandiseni isixa somhlalaphantsi kunye nenjongo yomhlalaphantsi ekwi-CIC.
- I-Voluntario sin fin Previsional inokucatshulwa nangaliphi na ixesha lilungu elingaphezu kweminyaka engamashumi amahlanu ubudala, ifumaneka simahla, benza ilifa kwaye amaqela esithathu angafaka isandla.
IiKomishoni ze-AFP
Ezi ziintlawulo ezenziwa ngamalungu e-AFP rhoqo, ukutyala imali ngaphakathi nangaphandle kwelizwe, ngenjongo yokuvelisa inzuzo yexesha elide, ukuze kuxhamle umhlalaphantsi welungu elizayo.
Iikomishoni zibonwa njengomvuzo ofunyenwe yi-AFP yokulawula ingxowa-mali yomhlalaphantsi kwaye iinkonzo ezibonelelwa ngala zi ngumnikelo onyanzelekileyo, ekuhambeni kunye nokuxutywa.
Kufuneka kukhunjulwe ukuba amaqabane ahlawula ikhomishini etyalwe kwizixhobo ezahlukeneyo zemali, yingakho le mali inokuvelisa inzuzo okanye ilahleko.
Ngokuxhomekeke kubume bemali, zonke iingeniso okanye iimbuyekezo kufuneka zinikezelwe kubaxhasi, ekubeni iskimu sembuyekezo abayifumanayo xa beqala ixesha labo lokuyeka ngokuzithandela kuxhomekeke kule nto.
Ngokufanayo, iminikelo ye-affiliate kwingxowa-mali yokhuseleko loluntu inokuqikelelwa malunga nomyalelo weshumi leepesenti zengeniso yabo epheleleyo, ngaphandle kokuqwalasela iminikelo yokuzithandela, eyongeziweyo kumnikelo womqeshi, ingxowa-mali yendalo yomntu, ayinakubanjwa kwaye yobuqu kunye nediphozithi ekuboneni kwabo basebenzisanayo.
Izibonelelo ze-AFP Fund
INgxowa-mali iyindlela yokufumana umvuzo kunye nokugcina umgangatho wobomi bakho, okwangoku uyeka ukusebenza kwezoqoqosho kwaye uthabathe umhlala-phantsi okanye ufumane umhlala-phantsi phantsi kwayo nayiphi na indlela.
Ungalahla umntu ngamnye ukusuka kwiminyaka engamashumi amathandathu anesihlanu (65) kumashumi alithoba anesihlanu epesenti 95.5% yengxowa-mali yakho, ngokuxhomekeke kuhlobo lomhlalaphantsi (kwangoko okanye oqhelekileyo) kunye nesine esishiyekileyo samanqaku amahlanu epesenti (4,5%). EsSALUD, ukuze ube nokhathalelo lwezonyango xa ulufuna.
Isixa-mali esiqokelelweyo simisela ukuba uthatha umhlala-phantsi kangakanani, kulo myalelo kuyafaneleka ukuba ubeke iliso kwinzuzo eqokelelweyo yemali, eguquguqukayo ngokuxhomekeke kuhlobo kunye neminyaka.
Olunye uncedo lwengxowa-mali kukuba ikuvumela ukuba:
- Yiba ne-Akhawunti ye-Capitalisation ye-Individual Capitalization (CIC) apho iminikelo eqokelelweyo kunye nenzuzo eyenziwe yi-AFP irekhodwa.
- Fumana imbuyekezo okanye ingeniso eyandisa ingxowa-mali.
- Yenza iminikelo yokuzithandela kwi-CIC, ngeenjongo zokuthintela.
- Fumana i-inshurensi yokukhubazeka, ixhoba okanye ukufa
- Yiba ngumxhamli wababoneleli benkonzo yezempilo.
- Umhlalaphantsi ubalwa ngokusekelwe kwimirhumo eyenziwe kunye nemivuzo enokuthi ibe yimali yangaphandle.
Ngendlela efanayo, ulindelo lwabasebenzisanayo malunga neenzuzo zangempela abazifumanayo kwixesha elide liqhuba intshukumo yokuhlaziya ukusebenza kwe-AFPs kunye nokwenzeka kokuphumeza amanyathelo amatsha okanye ukuguqulwa ngokwemiqathango yoKhuseleko lweNtlalo, kubantu basePeru.
Iintlobo zeNgxowa-mali ye-AFP
Ezi, njengokhetho lotyalo-mali kumalungu, zenziwe ngokweenqobo zeminyaka yelungu kunye nenqanaba lokunyamezela umngcipheko, zihlelwa ngolu hlobo:
- Ingxowa-mali 0: Ukhuseleko lweNkunzi kwabo bangaphezulu kweminyaka engama-65 ubudala.
- Ingxowa-mali yoku-1: ULondolozo lweNkunzi ukuba uneminyaka engama-60 ubudala kwaye umhlalaphantsi usondele
- IFund 2: IMixed Fund ejolise ekukhuthazeni abo baphakathi kubomi babo bokusebenza
- INgxowa-mali yesi-3: Ingxowa-mali yoxabiso lweNkunzi apho utyalo-mali lusemngciphekweni omkhulu.
Yintoni i-AFP Habitat?
Iquka ingxowa-mali yomhlalaphantsi esebenza ePeru, kodwa ilawulwa yinkampani yaseChile, enenjongo yokuvelisa inzuzo kumalungu akhetha iintlobo ezahlukeneyo zomhlalaphantsi ngeengxowa-mali zokhuseleko loluntu.
Ke, umbono wayo ujolise ekukhuthazeni ixabiso lokonga phakathi kwamaPeru angaphambi kokuthatha umhlala-phantsi emsebenzini, ecebisa inzuzo ephezulu, iikomishini ezisebenzayo kunye neenkonzo ezingcono.
I-AFP Habitat ibalaselisa njengezenzo ezilungileyo zokugcina izixhobo kunye nokonwaba ubomi bosapho kunye nentsebenziswano ekwenzeni izenzo ezifanayo.
Jonga iNgxelo yam yeAkhawunti ye-AFP Indawo yokuhlala
I-AFP Habitat ineqonga elaneleyo lezobuchwepheshe ukubonelela ngeendlela ezininzi zokubonisana neeakhawunti.
Ulwazi olunikelwe lushicilelo lwentengiselwano lukunceda ukuba ukhethe ngexesha elithile uhlobo lomhlalaphantsi ofuna ukufikelela kulo, kodwa ngokwenyani:
- Iququzelela ulawulo lweminikelo yakho kunye nomqeshi
- Ivumela ukuvavanya iimali eziqokelelweyo, inzuzo kunye neentshukumo
- Ungavavanya ukuvela kwengxowa-mali ngokwemigaqo yenzuzo ngokuphelelwa ngokomdla wakho.
- Thelekisa inqanaba lenzuzo ngokunxulumene nezinye iintlobo zeemali
- Landela ukuqondwa ibhonasi
Ndingafikelela njani kwiNkcazo yeAkhawunti yam ye-Habitat AFP?
- Isebenzisa i-imeyile, i-Habitat AFP iyithumela kumalungu ayo rhoqo ngenyanga ukuba nje ulwazi lwabo lusexesheni.
- Ngenkonzo yeHabi esebenza iiyure ezingama-24 ngosuku unyaka wonke, eyirobhothi ekrelekrele ofikelela kuyo kuFacebook nakwiMessenger networks zentlalo.
- Iakhawunti ye-Habitat, yenza imisebenzi ye-intanethi, ofikelela kuyo nge-password yakho kunye nesazisi.
NgeAkhawunti Yam yendawo yokuhlala
- Iakhawunti yam yeNdawo yokuhlala sisithuba esenzelwe ukuba wenze imisebenzi yakho kwi-intanethi kunye nokubeka iliso kwingxowa-mali yakho yomhlalaphantsi.
- Ukufikelela kwesi sithuba, kufuneka ukhethe kuphela ukuba loluphi uxwebhu ofuna ukuzazisa ngalo kwaye ungenise igama eliyimfihlo.
Uzicela njani iiKhowudi zokuFikelela?
Ukufikelela kwinkqubo ye-AFP Habitat kulula kwaye kulula, amalungu, abadla umhlala-phantsi, abaqeshi kunye noluntu ngokubanzi banokufikelela kwiwebhusayithi. www.afphabitat.cl, ukuqhubekekisa izatifikethi kunye neenkonzo kulo naliphi na isebe leNdawo yokuHlala eNgqongileyo.
Iinkonzo zisebenza unyaka wonke kunye neeyure ezingama-24 ngosuku, amalungu kufuneka abe nekhowudi yokufikelela enamanani amathandathu kunye nokongezelela ikhowudi yokhuseleko evumela ukuba bahlole ukuthengiselana kwiintshukumo kwiiakhawunti.
Ukunikezelwa kwezitshixo kuhambelana nemilinganiselo yokukhusela enokuthintela izenzo zobuqhetseba, kodwa umsebenzisi kufuneka athathe amanyathelo okukhusela, ngokusetyenziswa kwamaqonga asekelwe kwiintanethi zentlalo, ecinga ukuba iinkampani ezibonelela ngeenkonzo zithatha idatha ebucayi.
Ungacela iqhosha lendawo yokuhlala usebenzisa iwebhu portal yeArhente yeVirtual, ulandela la manyathelo:
- Ngenisa i-portal yewebhu https://www.afphabitat.com.pe/solicitaclave
- Khetha ukhetho Khetha iqhosha
- Khetha Uhlobo Loxwebhu
- Beka inombolo yoxwebhu
- Ngenisa iKhowudi yoKhuseleko, eboniswe kwisikrini yinkqubo
- Cofa iqhosha elithi Qhubeka
- Uya kufumana i-imeyile enemiyalelo yokufumana isitshixo okanye ukuyifumana kwakhona ukuba kunjalo.
- Ukuba awunayo i-imeyile ebhalisiweyo, kufuneka uqhagamshelane ne-AFP Habitat Agency ukwenza njalo.
Ngokuyilwa kweSitshixo seNdawo yokuhlala, unokwenza intengiselwano yakho kwi-Intanethi kwaye ujonge imisebenzi yeNgxowa-mali yaPhambili ngale ndlela ilandelayo:
- Ngenisa i-Arhente yewebhu ye-Virtual portal https://www.afphabitat.com.pe
- Khetha iAkhawunti yam yeNdawo yokuhlala ukhetho
- Ngenisa uhlobo loXwebhu kunye neNombolo
- Faka isitshixo sakho okanye igama lokugqitha
NgeAkhawunti yeHabitat unokwenza le misebenzi ilandelayo:
- Jonga kwaye ujonge i Indawo yokuhlala yeNgxelo yeAkhawunti ye-AFP
- Qhagamshelana neentshukumo ze-AFP kunye neentengiselwano kwiNgxelo yeAkhawunti yoMntu kwi-Intanethi.
- Thumela iNgxelo yeAkhawunti kwi-imeyile.
- Jonga iintengiselwano kunye nokufumaneka kwemali, ngoxwebhu olufumana ngedijithali ngeposi.
- Hlaziya idatha yakho okanye lonke ulwazi olufunayo ukulawula iimali zakho, njengedatha yeqela losapho abaza kuba ngabaxhamli.
- Khuphela isatifikethi sokunxulumana njengoxwebhu oluqinisekisa ukuba njengomntu oxhomekeke okanye ozimeleyo, umanyene ne-AFP Habitat,
- Cela intlawulo yomhlalaphantsi, ediphozithwa kwiakhawunti yakho enkulu
- Guqula uhlobo olungasemva. Iintlobo zeemali zihambelana nenqanaba lomngcipheko kunye nenzuzo, apho i-AFP Habitat inika amalungu.
- Zintlanu iindlela zotyalo-mali, ezenzelwe ukonyusa ixabiso elilindelekileyo lomhlalaphantsi. Babizwa ngokuba:
- Ingxowa-mali A – Umngcipheko ongaphezulu
- Fund B- Umngcipheko
- Fund C-Iphakathi
- Fund D- Conservative
- Fund E- More Conservative
- Joyina idebhithi ezenzekelayo. Ngolu manyano, iimali eziza kuxhuzulwa ziya kwenziwa ngokuzenzekelayo.
Idatha inikezelwe ngumbuzo weNgxelo yeAkhawunti
Ukubonisana neNgxelo ye-Akhawunti ye-Habitat kukunceda uphonononge inzuzo yeengxowa-mali zomhlala-phantsi, ezibonise ukuhla okunyukayo kwiminyaka yakutshanje, ukuseka ukungalingani kumlinganiselo womngcipheko wenzuzo.
Xa uphonononga iNgxelo yeAkhawunti ye-AFP yeNdawo, unokuyibeka esweni ngokucela ngokusebenzisa amajelo abonakalayo okanye asemzimbeni kwi-AFP yakho, ukuyithumela kwi-imeyile yakho, okanye ngokungena kwiwebhusayithi, okanye ngoxwebhu abaluthumelayo ukwazisa malunga neminikelo yamva nje. inzuzo.
I-AFP Personal Statement of Account ibonisa ixabiso lengxowa-mali yakho, ngaphezu kokulungelelanisa iimeko zezoqoqosho ezichaphazela imbuyekezo kwiminikelo.
Kufuneka kuqatshelwe ukuba okwangoku ePeru, ii-AFP ziphantsi kokuhlaziywa ngenxa yobuthathaka ababonisayo ukuhlangabezana neemfuno zabo ezihambelanayo kunye nokwahlukana kweepotfoliyo zabo zotyalo-mali kunye nembuyekezo encinci.
Le meko ibangele imfuneko kwamanye amacandelo ukuba afudukele kwamanye amaziko, atshintshe izikimu zawo zokhuseleko loluntu.
Nangona kunjalo, AFP Indawo yokuhlala Leyenza iakhawunti yakho, njengoko luxwebhu olusemthethweni olubonisa iimbono zokugcinwa kwabantu kwiimeko zobuthathaka ngenxa yokulahlekelwa ngumsebenzi wabo, kuququzelela ukwenza izigqibo malunga nokutshintsha indlela ekhethiweyo.
Ngokubonakalisa iminikelo oyenzayo njengelungu kunye naleyo yomqeshi wakho, kukunika ithuba lokuvula amabango okanye uqhubeke neenkqubo zomthetho ezikhawulezisa ukuzaliseka kwezibophelelo ezifunyenwe ngexesha elifanelekileyo.
Kubantu abasebenza kwiinkampani ezininzi, bahlalutye ii-akhawunti zabo, banokuqinisekisa ukuba abaqeshi bayayithobela intlawulo kunye neediphozithi rhoqo ukuze bagweme ukusilela kwixesha elizayo.
Ngomnye umyalelo, i-AFP Habitat iqhuba inkqubo ethi "Abadibanisi kwihlabathi elingcono", abaseka ngayo amabhaso kunye nemivuzo kwabo bakhetha ukuphonononga iingxelo zabo zeakhawunti ngeqonga ledijithali. Ikhowudi yokuthatha inxaxheba ithunyelwa nge-imeyile.
Eli phulo libandakanyiwe kwezo zijolise ekudibaniseni iimeko zokuhlala ezingcono kunye nokukhusela okusingqongileyo.
Tshintshela kwi-AFP ukuya kwindawo yokuhlala
I-Habitat, inika amaqela anomdla ithuba lokutshintsha imali ukuze ahlangabezane nokulindela kwabo, inkqubo ilula, inqume ukuba yeyiphi i-AFPs odibene nayo ngoku (Integra, Prima, Profuturo, okanye awubambiswanga).
Ivavanya njengelungu okanye umxhamli, ukuba i-AFP-Habitat, iyaqhubeka iphinda ibuyele kwinzuzo yeNgxowa-mali yohlobo lwe-1,2, i-3 kunye ne-XNUMX, ukwandisa inani lamalungu kunye nokuqatshelwa kwiimarike zemasheya.
Ukuba uyawaqonda amanyathelo omele ulandele ukujoyina kwaye uyakuxabisa ukubaluleka kokuphonononga rhoqo iNgxelo yeAkhawunti yakho yeHabitat AFP, kunye nemiba echaza iimali zomhlalaphantsi njengababoneleli bokhuseleko loluntu kubantu basePeru, unokufuna ukwazi malunga namanye amava akho. ulawulo, kulo mba unokufikelela koku kulandelayo.
IiNzuzo zeNtlalo zangoku zoMsebenzi e-Ecuador
Yenza uphando olukhawulezayo lwebhalansi kwi-SINAVID