Ubonelelo olongezelelweyo lweshumi elinesibini.– inkuthazo yerhafu kuxhaso lwendalo esingqongileyo
1. Iminikelo eyenziwe kumaqumrhu abaxhamli efunyenwe kwisebe elinobuchule kwimiba yokusingqongileyo kunye nokuqatshelwa okunyanzelekileyo kwenkqubo yolawulo ebonelelweyo kulo mgaqo iya kuxhamla izibonelelo zerhafu ezimiselwe apho.
2. Ukulungiselela ezi njongo, amaqumrhu abaxhamli aya kuba ngabo bahlangabezana nezi mfuno zilandelayo:
- a) Yiba ngamaqumrhu angenazo zohlwayo. Kuyo nayiphi na imeko, iziseko, imibutho ebhengezwe usetyenziso lukawonke-wonke, imibutho engekho phantsi kukarhulumente yokusingqongileyo ebhalisiweyo kwirejista yemibutho engekho phantsi kukarhulumente yobulungiseleli obufanelekileyo kulo mba, iikopolotyeni zabathengi ezinxulumene namandla abhalisiweyo kwiRejista yeeNtsebenziswano zaseNavarra, ngokunjalo. njengeemanyano nemibutho yawo onke amaqumrhu akhankanywe ngasentla.
- b) Ukuba phakathi kwezi zohlwayo kukugcinwa kwendalo kunye nokukhuselwa kwendalo, imfundo yokusingqongileyo, amavolontiya okusingqongileyo, ukulwa nokutshintsha kwemozulu okanye utshintsho lwamandla.
- c) Emva kokwenza umsebenzi eNavarra kwiminyaka eyi-4 edluleyo ngaphambi kwesicelo esichazwe kwicandelo 3, kuyo nayiphi na indawo ekhankanywe kwileta b). Kuyo nayiphi na imeko, kucingwa ukuba amaqumrhu afumene inkxaso-mali evela kuLawulo loLuntu lwaseNavarra kuyo yonke le minyaka yenze umsebenzi eNavarra kule minyaka mi-4 idlulileyo.
- d) Yabela ubuncinci i-70 yepesenti yerenti kunye nengeniso efunyenweyo, kutsalwa iindleko zokuyifumana, kwifayini yenzala ngokubanzi, kunye nevenkile yokutyela ukuba yonyuse i-endowment ye-patrimonial okanye uvimba kwisithuba seminyaka emi-100 ukusuka ekufumaneni kwayo.
- e) Ukuthobela izibophelelo ezingafihlisiyo ezisekwe kumaqumrhu axhamla kwinkxaso-mali karhulumente.
3. Amaqumrhu anomdla kufuneka afake isicelo kwiSebe elijongene nemicimbi yokusingqongileyo, ngokungqinelana nomzekelo ovunywe ngumntu ophetheyo kweli sebe, ukufikelela kulawulo lwangaphambili kolu lungiselelo olongezelelweyo, olukhapha, apho kufanelekileyo, isicelo esinamaxwebhu alandelayo. ngqina ukuthobela iimfuno ezichazwe kwicandelo lesi-2.
Akuyi kuba yimfuneko ukubonelela ngamaxwebhu ukubonisa ukuba ezi mfuno zifezekisiwe xa ukuthotyelwa kweyiphi na kuzo kuthathwe ekubhaliseni kwiRegistry exhomekeke kuLawulo lukaRhulumente, ekufumaneni inkxaso-mali evela kuLawulo loLuntu lwaseNavarra okanye kumaxwebhu. kulo naluphi na uLawulo lukarhulumente ngokwesikhokelo sayo nayiphi na inkqubo okanye okusesikweni, apho kuya kwanela ukubonisa inkqubo engqinelanayo okanye uBhaliso.
4. Bakuba nje befikelele kwinkqubo esekwe kwesi sibonelelo esongezelelweyo, amaqumrhu abaxhamli kwiminikelo kufuneka acele isebe elijongene nokusingqongileyo, kwiinyanga ezisibhozo zokuqala zonyaka olandelayo, ugcino lwenkqubo ekhankanyiweyo ngokungqinelana nomzekelo wokuba Vuma umntu ophetheyo kweli sebe. Ukongeza, phakathi kwelo xesha, abantu ababambe umelo lwamaqumrhu akhankanyiweyo baya kuthi thaca ingxelo enoxanduva lokuba bayaqhubeka behlangabezana neemfuno ezisekwe kwicandelo 2, zikhatshwa zii-akhawunti zequmrhu, ngaphandle kokuba ezi zinikezelwe kwisebe elinobuchule. kwirhafu yemicimbi ngokuthobela imigaqo yerhafu.
Isebe elijongene nokusingqongileyo linoxanduva lokuqinisekisa ukuthotyelwa kweemfuno ezimiselweyo.
5. Intloko yoMlawuli Jikelele ojongene nemicimbi yokusingqongileyo iya kusombulula izicelo ekubhekiswa kuzo kumacandelo 3 no-4.
Kumntu ofanayo ohambelana nokusombulula, apho kufanelekileyo, ukurhoxiswa kokufikelela kulawulo olusekwe kweli lungiselelo elongezelelweyo, xa kuqinisekiswa ukuba nayiphi na imfuno ayifezekanga.
Ixesha eliphezulu apho isigqibo esikhankanywe ngasentla kufuneka sikhutshwe kwaye saziswe ziinyanga ezintathu. Ukuphelelwa kwelona xesha liphezulu ngaphandle kokwazisa ngesisombululo esicacileyo, kugunyazisa amaqumrhu athe anikezela isicelo sokumamela lowo uqikelelwayo ngenxa yokuthula kwezolawulo.
Elona xesha liphezulu apho inkqubo yokurhoxiswa kwesisombululo sokufikelela kufuneka isonjululwe kwaye yaziswe ziinyanga ezintathu. Kwimeko yokuphelelwa kwexesha eliphezulu ngaphandle kokwazisa ngesisombululo esicacileyo sokuphelelwa kwexesha.
6. Abahlawuli berhafu yeRhafu yoMvuzo yabantu abenza iminikelo kumaziko abaxhamli baya kuba nelungelo lokutsalwa kwisabelo serhafu engama-80 nge-100 ye-euro yokuqala eyi-150 yemali enikelwe ngenxa yeminikelo engenakurhoxiswa ye-intervivos. elula, kunye neemali ezihlawulwe ngenxa yezivumelwano zentsebenziswano ekungenwe kuzo namaqumrhu ekubhekiswa kuwo kwicandelo 2, ezisetyenziselwa ukuxhasa ngemali okanye, apho kufanelekileyo, ukuxhasa ngemali imisebenzi yoku. Ukungenisa ngaphandle kwe-euro ye-150 ngokuqhelekileyo kutsalwa kwi-35 nge-100. Kukho umda we-euro ye-150 ukuze usebenze kwizinto ezidlulayo kwaye ngeli xesha linyanzelekileyo.
Kwimeko yokubonelela ngeenkonzo ngaphandle kwentlawulo, isiseko sokuxhuzulwa siya kuba yindleko yeendleko ezenziweyo, ngaphandle kokuthathela ingqalelo umda wenzuzo.
Isiseko sokuxhuzulwa sibalwa ngeenjongo zomda ekubhekiselwe kuwo kwinqaku lama-64.1 loMbhalo oManyeneyo woMthetho oPhambili kwiRhafu yoMvuzo woMntu.
7. Abarhafi beRhafu yeNdibaniselwano abenza iminikelo okanye abahlawula iimali kumaqumrhu abaxhamli kwiimeko, kunye neemfuno kunye nezohlwayo ezimiselwe kwicandelo langaphambili baya kuxhamla ezi zibonelelo zerhafu zilandelayo:
- a) Ukumiselwa kwesiseko serhafu, ukungeniswa kwamanye amazwe kwezixa ezinikelwe kuya kuthathwa njengento exhuzulwayo.
- b) Ukongeza, ndiya kuba nelungelo lokutsalwa kwe-quota ye-liquid yeRhafu ye-20% yeemali ezingeniswe kumazwe angaphandle kwiimali ezinikelwe.
Isixa-mali sento exhuzulwayo kwisiseko serhafu ayinakudlula owona mkhulu kule mida ilandelayo:- 1. I-30% yesiseko serhafu phambi kolu nciphiso kwaye, apho kufanelekileyo, ekubhekiselwe kuyo kumanqaku 100, 37, 42 kunye nesibonelelo seshumi esongezelelweyo salo Mthetho weForal, njengenqaku le-47 loMthetho we-Foral 17/8, kaMeyi. I-2014, elawula ukukhuselwa kwenkcubeko kunye nenkuthazo yerhafu kwi-Autonomous Community of Navarra.
- 2. 3 nge-1000 ye-net yemali eseleyo.
Ngokwenxalenye yalo, ukuxhuzulwa komrhumo kuya kwenziwa ngokuhambelana nemimiselo yeRhafu yeRhafu yeNkampani kwaye iya kubala iziphumo zomda omiselwe kwinqaku le-67.4 loMthetho weForal 26/2016, weRhafu yeNkampani.
8. IiNzuzo zeRhafu ezisekwe kolu lungiselelo longezelelekileyo aziyi kuhambelani, ngokungeniswa kwamanye amazwe, kunye nezinye ezo zisekwe kulo mthetho wengingqi.
9. Ukusetyenziswa kwezi zibonelelo zerhafu kuya kuba phantsi kwemiqathango yokuba amaqumrhu abaxhamli ahlangabezane nezi mfuno zilandelayo:
- a) Oku kuqinisekisa, ngokusebenzisa iziqinisekiso ezihambelanayo, ubunyani bezipho okanye izixa-mali ezihlawulwe ngenxa yezivumelwano zentsebenziswano, njengendawo yazo esebenzayo yokuxhasa ngemali amaqumrhu okanye, apho kufanelekileyo, imisebenzi ebanjiweyo.
- b) Ukwazisa uLawulo lweRhafu, kwiimodeli naphakathi kwemigaqo esekwe kwimigaqo yerhafu, ngokuqulathwe kwizatifikethi ezikhutshiweyo.
10. Phambi kokuphela konyaka ngamnye, isebe elijongene nokusingqongileyo liya kuthumela ulawulo lwerhafu uluhlu lwamaqumrhu abaxhamli ahlangabezana neemfuno ezimiselwe kolu lungiselelo longezelelweyo.
