Umthetho wepenshoni eNetherlands uye waba yindawo yayo yomthetho. Ibandakanya yonke imithetho yepenshini kunye nemimiselo enikezela ngengeniso yabasebenzi emva kokuthatha umhlalaphantsi. Imizekelo ibandakanya umthetho othile ocacileyo ofana noMthetho wePenshoni, ukuthatha inxaxheba ngokunyanzelekileyo kuMthetho weNgxowa-mali yomhlala-phantsi ka-2000 okanye ukulingana kwamalungelo epenshoni kumcimbi woqhawulo mtshato. Lo mthetho uchaphazela, phakathi kwezinye izinto, iimeko ekufuneka kuhlangatyezwane nazo ukuze umntu afumane ipenshoni, imigaqo emalunga nokulawulwa nokuhlawulwa kwamalungelo epenshoni ngababoneleli bepenshini kunye namanyathelo okuthintela ukuphulwa kwepenshini.

UFUNA UNCEDO NGOMTHETHO WEPENSION?
NCEDA UQHAGAMSHELANE NAMAWEYA WETHU WEPENSION

Umthetho wepenshini

Umthetho wepenshoni eNetherlands uye waba yindawo yayo yomthetho. Ibandakanya yonke imithetho yepenshini kunye nemimiselo enikezela ngengeniso yabasebenzi emva kokuthatha umhlalaphantsi. Imizekelo ibandakanya umthetho othile ocacileyo ofana noMthetho wePenshoni, ukuthatha inxaxheba ngokunyanzelekileyo kuMthetho weNgxowa-mali yomhlala-phantsi ka-2000 okanye ukulingana kwamalungelo epenshoni kumcimbi woqhawulo mtshato. Lo mthetho uchaphazela, phakathi kwezinye izinto, iimeko ekufuneka kuhlangatyezwane nazo ukuze umntu afumane ipenshoni, imigaqo emalunga nokulawulwa nokuhlawulwa kwamalungelo epenshoni ngababoneleli bepenshini kunye namanyathelo okuthintela ukuphulwa kwepenshini.

Imenyu ekhawulezayo

Ngaphandle kwento yokuba umthetho wepenshini yindawo yayo esemthethweni, ikwanokunxibelelana okuninzi nezinye iindawo zomthetho. Yiyo loo nto, kwimeko yomthetho wepenshini, ukongeza kwimithetho ethile kunye nemigaqo, umthetho ngokubanzi kunye nemigaqo kwicandelo lomthetho wengqesho, umzekelo, uyasebenza. Umzekelo, ipenshini yimeko ebalulekileyo yokusebenza kubasebenzi abaninzi, ebekwa phantsi yaxoxwa kwisivumelwano sengqesho. Le meko ngokuyinxenye imisela umvuzo ekwaluphaleni. Ukongeza kumthetho wengqesho, le mimandla ilandelayo yomthetho inokuqwalaselwa:

• Umthetho woxanduva;
• Umthetho wesivumelwano;
• Umthetho werhafu;
• Umthetho we-inshurensi;
• Ukulingana kwamalungelo epenshoni kwimeko yoqhawulo-mtshato.

UAylin Selamet

UAylin Selamet

Igqwetha-mthetho

 Fowunela +31 (0) 40 369 06 80

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Imithetho nemigaqo eyahlukeneyo ehlangana kumthetho wepenshini kwaye idlulela phantsi kweemeko ezithile yenza umthetho wepenshoni ube yindawo enzima nebanzi yomthetho. Ngapha koko, umthetho wepenshini awumi ngxi kwaye uhlala ujongene notshintsho kwinqanaba likazwelonke nakwamanye amazwe, kunye nomkhombandlela wabalawuli abanxulumene neDe Nederlandsche Bank (DNB) kunye neGunya laseNetherlands leMarike zezeMali (AFM). Oku kuthetha ukuba ukusombulula imiba kwicandelo lomthetho wepenshini akufuneki ukuqonda kuphela, kodwa nolwazi lwakutshanje lomsebenzi kwaye kububulumko ukubandakanya igqwetha ukuba uthe wadibana nomthetho wepenshini. Law & MoreAmagqwetha awaphelelanga nje kumhla kumthetho wepenshini, kodwa nangokunxulumene neminye imimandla yomthetho ekhankanyiweyo. Ngaba unayo nayiphi na imibuzo malunga nomthetho wepenshini? Law & More iyavuya ukukunceda. Unokufumana ulwazi oluthe kratya malunga neminye imimandla kwiwebhusayithi yethu.

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Isibonelelo somhlala-phantsi ngokwenkqubo yeentsika

Isibonelelo somhlala-phantsi esibonelela ngomvuzo wabasebenzi emva kokuthatha umhlala-phantsi sikwabizwa ngokuba ngumhlala-phantsi. ENetherlands, inkqubo yokubonelela ngomhlalaphantsi, okanye inkqubo yepenshini, ineentsika ezintathu:

Ipenshoni esisiseko. Ipenshoni esisiseko ikwabhekiswa kuyo njengobonelelo lwe-OW. Wonke umntu wase-Netherlands unelungelo lolo lungiselelo. Nangona kunjalo, kukho iimeko ezininzi eziqhotyoshelwe koku. Imeko yokuqala yokufumana ubonelelo lwe-AOW kukuba ubudala obuthile, oko kukuthi iminyaka engama-67, kufuneka ukuba kufikelelwe kuyo. Enye imeko kukuba umntu kufuneka asebenze okanye aphile eNetherlands. Kunyaka ngamnye umntu ahlala eNetherlands ukusuka kwi-15 ukuya kwiminyaka engama-67, i-2% yezona zinto zininzi zibonelelwa nge-AOW. Imbali yengqesho ayifuneki kule meko.

Amalungelo omhlala-phantsi. Le ntsika imalunga namalungelo umntu awafumeneyo ngexesha lokusebenza kwakhe kwaye isebenza njengepenshini eyongezelelweyo kwipenshoni esisiseko. Ngokukodwa, esi songezelelo sichaphazela umvuzo omiselweyo ohlawulwa ngokudibeneyo ngumqeshi kunye nomqeshwa ngendlela yepremiyamu. Ipenshoni eyongezayo ke ihlala isakhiwa kubudlelwane bomqeshi nomqeshi, ukuze kule meko kufuneke ukuba imbali yengqesho. ENetherlands, nangona kunjalo, akukho mbophelelo yomthetho jikelele kumqeshi yokwenzela ipenshini (eyongezelelweyo) yabasebenzi. Oku kuthetha ukuba kufuneka kwenziwe izivumelwano phakathi komqeshi nomqeshi malunga noku. Law & More Ngaba ungavuya ukukunceda kule nto.

Ipenshini yokuzithandela. Le ntsika ibhekisa ikakhulu kuyo yonke imivuzo yabantu abayenzileyo ngaphambi kokuguga. Imizekelo ibandakanya i-annuities, i-inshurensi yobomi kunye nengeniso evela kwi-equity. Ngabantu abazimeleyo kunye noosomashishini ekufuneka bethembele kule ntsika yomhlala-phantsi wabo.

Ukuthatha inxaxheba ngokunyanzelekileyo kuMthetho weNgxowa-mali yomhlalaphantsi woShishino ka-2000

Ngaphandle kwento yokuba abaqeshi eNetherlands abanyanzelekanga ukuba balungiselele ipenshini (eyongezelelweyo) kubaqeshwa babo, phantsi kweemeko ezithile basenokunyanzeleka ukuba balungiselele ipenshoni. Injalo imeko, umzekelo, ukuba ukuthatha inxaxheba kwisikimu sepenshini kunyanzelekile kumqeshi ngokusebenzisa ingxowa-mali yomhlala-phantsi. Olu xanduva luvela xa oko kubizwa ngokuba yimfuneko esisinyanzelo kusebenza kwicandelo elithile: inkcazo evunywe ngumphathiswa wecandelo apho kusebenza khona ngokuthatha inxaxheba okunyanzelekileyo kwingxowa-mali yomhlala-phantsi ngokubanzi. Ukuthatha inxaxheba okunyanzelekileyo kuMthetho weNgxowa-mali yoMhlala-phantsi woShishino ulawula ukubakhona kwesikimu somhlala-phantsi esisinyanzelo kubo bonke abasebenzi abakwicandelo elithile okanye kwicandelo elithile.

Ukuba ukuthatha inxaxheba kwingxowa-mali yomhlala-phantsi kubanzi kunyanzelekile, abaqeshi abasebenza kwicandelo elifanelekileyo kufuneka babhalise kuloo ngxowa-mali yomhlala-phantsi ngokubanzi. Emva koko, ingxowa-mali icela ulwazi malunga nabasebenzi ukuba lubonelelwe kwaye abaqeshi bafumane i-bili yepremiyamu yepenshini ekufuneka beyihlawule. Ukuba abaqeshi abadibananga nengxowa-mali yomhlala-phantsi ngokubanzi, nangona kukho uxanduva lokwenza oko, baya kuba kwimeko engentle. Emva kwayo yonke loo nto, kwimeko apho kukho ithuba lokuba ipenshoni ebanzi yeshishini isazakubanga yonke intlawulo yepremiyamu yayo yonke iminyaka iphindaphindwe. Nge Law & More Siyaqonda ukuba oku kuneziphumo ezibi kubaqeshi. Kungako kunjalo Law & MoreIingcali zikulungele ukukunceda ukunqanda ukungalunganga okunjalo.

Umthetho wepenshiniUmthetho wepenshoni

Undoqo womthetho wepenshini nguMthetho wePenshini. Umthetho wepenshoni uquka imigaqo:

• Thintela ukutshintshwa kwamalungelo epenshoni
• Nika amalungelo ngokubhekiselele kugqithiselo lwexabiso kwimeko yolandelelwano lomqeshi;
• Ukumisela ukuthatha inxaxheba kwabasebenzi malunga nomgaqo-nkqubo wabanikezeli bepenshini;
• Ukufuna ubuncinci bobungcali ngokubhekisele kubungcali bamalungu ebhodi yabanikezeli bepenshini;
• Ukulawula indlela ekufanele ixhaswe ngayo imali yepenshini;
• Ukumisela ubuncinci bezibophelelo zolwazi kumboneleli wepenshini.

Omnye wemigaqo ebalulekileyo kuMthetho wePenshoni uphathelene neemeko ekuthi, ukuba zigqityiwe, isivumelwano sempesheni phakathi komqeshi nomqeshwa kufuneka sihlangane. Kule meko, iSiqendu 23 soMthetho weePenshoni sithi isivumelwano seepenshini masibekwe kwingxowa-mali yomhlala-phantsi eyaziwayo okanye kwi-inshurensi eyaziwayo yomhlala phantsi. Ukuba umqeshi akakwenzi oku, okanye ubuncinci ngokwaneleyo, ubeka emngciphekweni uxanduva lomqeshi, olunokuqalwa ngumqeshwa ngemigaqo ngokubanzi yomthetho wesivumelwano. Ukongeza, ukuthotyelwa komthetho kunye nemimiselo ngokomthetho wepenshini, njengoko sele kukhankanyiwe, kubekwe iliso yi-DNB kunye ne-AFM, ukuze ukwaphulwa komthetho kulandelwe ngamanye amanyathelo.

At Law & More Siyaqonda ukuba xa kufikwa kumthetho wepenshini, ayisiyiyo kuphela imithetho nemigaqo eyahlukeneyo enzima, kodwa ikwachaphazela nezinto ezahlukeneyo kunye nobudlelwane bezomthetho obuyinkimbinkimbi. Kungako kunjalo Law & More usebenzisa indlela yobuqu. Iingcali zethu zeengcali kwicandelo lomthetho wepenshini zitshone kwimeko yakho kwaye banokuvavanya imeko yakho kunye namathuba kunye nawe. Ngokusekwe kolu hlalutyo, Law & More ingakucebisa kumanyathelo alandelayo alandelayo. Ngapha koko, iingcali zethu ziyakuvuyela ukukunika iingcebiso kunye noncedo ngexesha lenkqubo esemthethweni. Ngaba unemibuzo malunga neenkonzo zethu okanye umthetho wepenshini? Emva koko qhagamshelana Law & More.

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