{"id":254329,"date":"2024-11-02T21:50:46","date_gmt":"2024-11-02T20:50:46","guid":{"rendered":"https:\/\/tuzlainfo.ba\/?p=254329"},"modified":"2024-11-02T21:50:46","modified_gmt":"2024-11-02T20:50:46","slug":"lako-je-izracunati-kolika-je-penzija-nakon-pet-godina-rada-u-njemackoj","status":"publish","type":"post","link":"https:\/\/tuzlainfo.ba\/index.php\/clanci\/sa-svih-strana\/item\/254329-lako-je-izracunati-kolika-je-penzija-nakon-pet-godina-rada-u-njemackoj\/","title":{"rendered":"Lako je izra\u010dunati: Kolika je penzija nakon pet godina rada u Njema\u010dkoj?"},"content":{"rendered":"

Radnici u Njema\u010dkoj imaju pravo na penziju nakon samo pet godina upla\u0107ivanja doprinosa. Na koliko novca onda imate pravo?<\/p>\n

Te\u0161ko da bilo koja druga tema toliko poga\u0111a radnike u Njema\u010dkoj kao\u00a0penzije<\/a>. Sve je vi\u0161e starijih u odnosu na znatno mla\u0111e. U isto vrijeme, mla\u0111i ljudi moraju finansirati penzije starijih ljudi. Vlada stoga \u017eeli iz temelja reformirati penzioni sistem i stoga uvesti takozvani \u201cPenzioni paket II\u201d.<\/p>\n

Ono \u0161to mnogi ljudi ne znaju jest da je u Njema\u010dkoj mogu\u0107e oti\u0107i u penziju nakon samo pet godina upla\u0107ivanja doprinosa. Koliko zapravo novca mogu dobiti gra\u0111ani?<\/p>\n

Penzija nakon pet godina rada?<\/h5>\n

Prosje\u010dna osoba koja zara\u0111uje u Njema\u010dkoj trenutno mora raditi 45,2 godine da bi dobila penziju od 1.500 eura mjese\u010dno, pi\u0161e Fenix Magazin<\/a>.<\/p>\n

Me\u0111utim, mnogi se penzioneri nakon dugog radnog vijeka moraju zadovoljiti s malo novca: prosje\u010dna neto penzija 2023. iznosila je 1.007 eura.<\/p>\n

Ako \u017eelite ranije u penziju, morate o\u010dekivati odbitke. Minimalno razdoblje osiguranja u Njema\u010dkoj je kratko: teoretski dobivate penziju nakon samo pet godina rada. Me\u0111utim, zahtjev je tada odgovaraju\u0107e nizak.<\/p>\n

Formula otkriva visinu penzije<\/h5>\n

Koliku \u0107ete penziju dobiti mo\u017eete izra\u010dunati pomo\u0107u penzione formule \u2013 \u010dak i uz minimalni sta\u017e osiguranja od pet godina.<\/p>\n

Za ovaj izra\u010dun pretpostavlja se da je tokom razdoblja prikupljeno pet penzionih bodova. Od pove\u0107anja penzije u julu 2024. primili ste ukupno 39,32 eura po bodu zarade.<\/p>\n

To zna\u010di da prosje\u010dan primatelj nakon pet godina rada mo\u017ee o\u010dekivati penziju od 196,60 eura.<\/p>\n

Prema \u201cDeutsche Rentenversicherung\u201d formula za penzionu pomo\u0107u koje mo\u017eete izra\u010dunati pravo je sljede\u0107a: \u201c5 bodova zarade x 1 (faktor pristupa) x 39,32 eura (trenutna vrijednost penzije) x 1 (faktor vrste penzije)\u201d.<\/p>\n

Platni bod: Kako bi dosegao ta\u010dno jedan platni bod, zaposlenik mora zaraditi 45.358 eura bruto u 2024. godini, prema \u201cDeutsche Rentenversicherung\u201d.<\/p>\n

Vrijednost je rezultat usporedbe vlastitih godi\u0161njih primanja s prosje\u010dnim primanjima svih osiguranika.<\/p>\n

Ako je vrijednost ta\u010dno u prosjeku, vrijedi jedan bod.<\/p>\n

Faktor pristupa: Pri izra\u010dunu penzije<\/a> uzimaju se u obzir dodaci i odbici. Postoje odbici ako se penzioni\u0161ete prije odre\u0111ene dobi za penzionisanje, obja\u0161njava \u201cDeutsche Rentenversicherung\u201d.<\/p>\n

Postoje doplate ako se odreknete penzije nakon \u0161to ste dosegnuli dob za penzionisanje. Bez dodataka ili odbitaka, faktor pristupa je 1,0.<\/p>\n

Trenutna vrijednost penzije: Trenutno iznosi 39,32 eura i prilagodit \u0107e se ekonomskoj situaciji prema \u201cDeutsche Rentenversicherung\u201d.\/ Fenix Magazin<\/a>\/<\/p>\n","protected":false},"excerpt":{"rendered":"

Radnici u Njema\u010dkoj imaju pravo na penziju nakon samo pet godina upla\u0107ivanja doprinosa. 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