{"id":1163,"date":"2013-02-25T20:28:16","date_gmt":"2013-02-25T19:28:16","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=1163"},"modified":"2013-03-04T13:03:08","modified_gmt":"2013-03-04T12:03:08","slug":"kdy-mate-narok-na-predduchod","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=1163","title":{"rendered":"Kdy m\u00e1te n\u00e1rok na p\u0159edd\u016fchod"},"content":{"rendered":"

Abyste mohli pob\u00edrat p\u0159edd\u016fchod, je t\u0159eba splnit podle serveru www.odchod-do-duchodu.cz celkem \u010dty\u0159i z\u00e1kladn\u00ed podm\u00ednky: 1. zalo\u017een\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, 2. dosa\u017een\u00ed \u201ep\u0159edd\u016fchodov\u00e9ho v\u011bku\u201c, 3. dostatek naspo\u0159en\u00fdch \u00faspor, 4. dosa\u017een\u00ed ur\u010dit\u00e9 doby spo\u0159en\u00ed.<\/p>\n

Zalo\u017een\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed<\/strong><\/p>\n

Prvn\u00ed podm\u00ednkou je uzav\u0159en\u00ed smlouvy o dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed s penzijn\u00ed spole\u010dnost\u00ed. Pokud nem\u00e1te zalo\u017een\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, nem\u00e1te n\u00e1rok na p\u0159edd\u016fchod. Spo\u0159en\u00ed si m\u016f\u017eete zalo\u017eit u penzijn\u00edch spole\u010dnost\u00ed, kter\u00e9 naleznete v p\u0159ehledu Ministerstva financ\u00ed. Je zcela na v\u00e1s, zda si n\u011bkterou z nich vyberete a zda smlouvu o spo\u0159en\u00ed uzav\u0159ete. P\u0159edd\u016fchod nen\u00ed d\u00e1vka financovan\u00e1 st\u00e1tem, st\u00e1t jen p\u0159isp\u00edv\u00e1 k va\u0161im vlastn\u00edm \u00faspor\u00e1m, kter\u00e9 si spo\u0159\u00edte u penzijn\u00ed spole\u010dnosti. Proto\u017ee je spo\u0159en\u00ed dobrovoln\u00e9, nem\u016f\u017eete p\u0159edd\u016fchod po nikom po\u017eadovat, pokud si nespo\u0159\u00edte. Jinak \u0159e\u010deno, p\u0159edd\u016fchod si hrad\u00edte p\u0159ev\u00e1\u017en\u011b z vlastn\u00ed kapsy.<\/p>\n

Mal\u00e1 terminologick\u00e1 pozn\u00e1mka, tzv. p\u0159edd\u016fchod<\/strong> je novin\u00e1\u0159sk\u00fd, ne pr\u00e1vnick\u00fd \u010di ekonomick\u00fd pojem. P\u0159edd\u016fchod je v\u0161ak ji\u017e za\u017eit\u00fdm term\u00ednem pro specifickou v\u00fdplatu d\u00e1vek ze zm\u00edn\u011bn\u00e9ho penzijn\u00edho spo\u0159en\u00ed, kter\u00e9 maj\u00ed p\u0159i spln\u011bn\u00ed jist\u00fdch podm\u00ednek vliv na v\u00fdpo\u010det budouc\u00edho starobn\u00edho d\u016fchodu. Pokud tedy v \u010dl\u00e1nku hovo\u0159\u00edme o v\u00fdplat\u011b p\u0159edd\u016fchodu, m\u00e1me na mysli v\u00fdplatu naspo\u0159en\u00fdch pen\u011bz z penzijn\u00edho spo\u0159en\u00ed p\u0159i spln\u011bn\u00ed z\u00e1konem dan\u00fdch podm\u00ednek, kter\u00e9 n\u00ed\u017ee vysv\u011btlujeme.
\nDosa\u017een\u00ed p\u0159edd\u016fchodov\u00e9ho v\u011bku<\/strong><\/p>\n

Druhou podm\u00ednkou pro v\u00fdplatu p\u0159edd\u016fchodu je dosa\u017een\u00ed v\u011bku o p\u011bt let ni\u017e\u0161\u00edho, ne\u017e tzv. obecn\u00fd d\u016fchodov\u00fd v\u011bk, tj. v\u011bk, kdy zpravidla vznik\u00e1 n\u00e1rok na \u0159\u00e1dn\u00fd (nekr\u00e1cen\u00fd) starobn\u00ed d\u016fchod od st\u00e1tu.<\/p>\n

U mu\u017e\u016f se po\u010d\u00edt\u00e1 obecn\u00fd d\u016fchodov\u00fd v\u011bk standardn\u011b. U \u017een je v\u0161ak v\u00fdpo\u010det neobvykl\u00fd. Jako obecn\u00fd d\u016fchodov\u00fd v\u011bk se pro pot\u0159eby p\u0159edd\u016fchodu bere d\u016fchodov\u00fd v\u011bk mu\u017ee stejn\u00e9ho data narozen\u00ed. Nap\u0159\u00edklad \u017eena narozen\u00e1 31.3.1958, kter\u00e1 vychovala dv\u011b d\u011bti, dos\u00e1hne v\u011bku mo\u017en\u00e9ho pro v\u00fdplatu p\u0159edd\u016fchodu 31. 1. 2017. Mu\u017e stejn\u00e9ho data narozen\u00ed dos\u00e1hne obecn\u00e9ho d\u016fchodov\u00e9ho v\u011bku 31. 1. 2022, v\u011bk o p\u011bt let ni\u017e\u0161\u00ed je 31. 1. 2017.<\/p>\n

Tento v\u011bk pro mu\u017ee i \u017eeny d\u00e1le naz\u00fdv\u00e1me jako tzv. p\u0159edd\u016fchodov\u00fd v\u011bk. Rozd\u00edly v d\u016fchodov\u00e9m (i p\u0159edd\u016fchodv\u00e9m) v\u011bku mu\u017e\u016f a \u017een jsou zcela set\u0159eny a\u017e u ro\u010dn\u00edku 1975, pro kter\u00fd jsou ov\u0161em p\u0159edd\u016fchody teprve vzd\u00e1lenou budoucnost\u00ed. Na p\u0159edd\u016fchodv\u00fd v\u011bk \u017eeny tedy nem\u00e1 vliv po\u010det vychovan\u00fdch d\u011bt\u00ed ani jejich datum vzniku n\u00e1roku na nekr\u00e1cen\u00fd starobn\u00ed d\u016fchod.<\/p>\n

V leto\u0161n\u00edm roce mohou za\u010d\u00edt vyu\u017e\u00edvat p\u0159edd\u016fchod \u017eeny i mu\u017ei narozen\u00ed nap\u0159\u00edklad v roce 1954, obecn\u00fd d\u016fchodov\u00fd v\u011bk toti\u017e vznik\u00e1 mu\u017e\u016fm narozen\u00fdm v tomto roce v letech 2017\/2018. Pob\u00edrat p\u0159edd\u016fchod po dosa\u017een\u00ed obecn\u00e9ho d\u016fchodov\u00e9ho v\u011bku, zpravidla i den vzniku n\u00e1roku na nekr\u00e1cen\u00fd starobn\u00ed d\u016fchod, nem\u00e1 skoro \u017e\u00e1dn\u00fd smysl. \u017deny narozen\u00e9 v roce 1954 dos\u00e1hnou obecn\u00e9ho d\u016fchodov\u00e9ho v\u011bku nejpozd\u011bji v roce 2017, pokud nevychovaly \u017e\u00e1dn\u00e9 d\u00edt\u011b, pob\u00edrat p\u0159edd\u016fchod mohou tedy max. 4 roky, od leto\u0161n\u00edho roku 2013 \u2013 2017. Pokud by vychovaly nap\u0159. dv\u011b d\u011bti, dos\u00e1hnou d\u016fchodov\u00e9ho v\u011bku nejpozd\u011bji v roce 2014, na p\u0159\u00edpadn\u00fd p\u0159edd\u016fchod tedy zbude je\u0161t\u011b m\u00e9n\u011b \u010dasu. Moment\u00e1ln\u011b \u017eeny mohou p\u0159edd\u016fchod (smyslupln\u011b) vyu\u017e\u00edt po krat\u0161\u00ed dobu ne\u017e mu\u017ei.<\/p>\n

Pozn\u00e1mka: Pokud jste nez\u00edskali dostate\u010dnou dobu d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed, m\u016f\u017ee v\u00e1m vzniknout n\u00e1rok na \u0159\u00e1dn\u00fd starobn\u00ed d\u016fchod pozd\u011bji, ne\u017e je b\u011b\u017en\u00e9. Av\u0161ak na pob\u00edr\u00e1n\u00ed p\u0159edd\u016fchodu to nem\u00e1 vliv. Ten m\u016f\u017eete pob\u00edrat od stejn\u00e9ho data, jako Va\u0161i vrstevn\u00edci, kter\u00fdm vznik\u00e1 n\u00e1rok na nekr\u00e1cen\u00fd starobn\u00ed d\u016fchod standardn\u011b.<\/p>\n

 <\/p>\n

Dostatek naspo\u0159en\u00fdch \u00faspor v dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed<\/strong><\/p>\n

M\u00e1te ji\u017e zalo\u017een\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed a dos\u00e1hli jste pot\u0159ebn\u00e9ho v\u011bku pro v\u00fdplatu p\u0159edd\u016fchodu. Z\u00e1kon v\u0161ak p\u0159edpisuje dal\u0161\u00ed podm\u00ednky, kter\u00e9 mus\u00edte splnit, aby \u010derp\u00e1n\u00ed naspo\u0159en\u00fdch pen\u011bz mohlo b\u00fdt hodnoceno jako p\u0159edd\u016fchod a m\u011blo vliv na budouc\u00ed v\u00fdpo\u010det starobn\u00edho d\u016fchodu.<\/p>\n

1) P\u0159edd\u016fchod se mus\u00ed vypl\u00e1cet po m\u011bs\u00edc\u00edch. Z\u00e1kon pro \u010derp\u00e1n\u00ed p\u0159edd\u016fchodu p\u0159edpisuje, \u017ee ka\u017ed\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka p\u0159edd\u016fchodu (rozum\u011bjte m\u011bs\u00ed\u010dn\u00ed \u010derp\u00e1n\u00ed z naspo\u0159en\u00fdch pen\u011bz) mus\u00ed dosahovat v\u00fd\u0161e alespo\u0148 30 % pr\u016fm\u011brn\u00e9 mzdy za kalend\u00e1\u0159n\u00ed rok p\u0159edch\u00e1zej\u00edc\u00ed prvn\u00ed spl\u00e1tce. Tzn., pokud v\u00e1m za\u010dne b\u00fdt p\u0159edd\u016fchod vypl\u00e1cen v roce 2013, rozhoduj\u00edc\u00ed je pr\u016fm\u011brn\u00e1 mzda za rok 2012, kter\u00e1 \u010din\u00ed 24 408 K\u010d m\u011bs\u00ed\u010dn\u011b, z toho 30 % je 7 323 K\u010d. \u00dadaje platn\u00e9 pro n\u00e1sleduj\u00edc\u00ed roky bude mo\u017eno vy\u010d\u00edslit p\u0159esn\u011b v\u017edy a\u017e v prvn\u00ed polovin\u011b prosince. \u010cerpat p\u0159edd\u016fchod je mo\u017en\u00e9 z ve\u0161ker\u00fdch naspo\u0159en\u00fdch pen\u011bz z Va\u0161ich p\u0159\u00edsp\u011bvk\u016f, st\u00e1tn\u00edch p\u0159\u00edsp\u011bvk\u016f, p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele a jejich zhodnocen\u00ed penzijn\u00ed spole\u010dnost\u00ed.<\/p>\n

2) Dal\u0161\u00ed podm\u00ednkou je, \u017ee minim\u00e1ln\u00ed d\u00e9lka \u010derp\u00e1n\u00ed p\u0159edd\u016fchodu mus\u00ed b\u00fdt dva roky. P\u0159i zah\u00e1jen\u00ed jeho v\u00fdplaty v roce 2013 tak pot\u0159ebujete m\u00edt naspo\u0159eno alespo\u0148 175 752 K\u010d (7323 K\u010d \u2219 24 m\u011bs\u00edc\u016f). Tuto \u010d\u00e1stku mus\u00edte m\u00edt naspo\u0159enou p\u0159i zah\u00e1jen\u00ed \u010derp\u00e1n\u00ed p\u0159edd\u016fchodu.<\/p>\n

M\u016f\u017ee se st\u00e1t, \u017ee tak vysokou \u010d\u00e1stku ve va\u0161em penzijn\u00edm spo\u0159en\u00ed nebudete m\u00edt naspo\u0159enou. B\u011bhem spo\u0159en\u00ed m\u016f\u017eete v\u0161ak bez dal\u0161\u00edho poplatku po\u017e\u00e1dat o zm\u011bnu v\u00fd\u0161e p\u0159\u00edsp\u011bvku, nelze \u017e\u00e1dat ke zp\u011btn\u00e9mu datu. D\u00edky tomu je mo\u017en\u00e9, abyste si kdykoli, i kdy\u017e spo\u0159\u00edte po mal\u00fdch \u010d\u00e1stk\u00e1ch, na spo\u0159en\u00ed doplatili jednor\u00e1zov\u011b jakoukoli vysokou \u010d\u00e1stku, nap\u0159. z d\u011bdictv\u00ed. V\u00fd\u0161e vlo\u017een\u00fdch prost\u0159edk\u016f nen\u00ed nijak omezena.<\/p>\n

3) Dal\u0161\u00ed z\u00e1konnou podm\u00ednkou je, aby m\u011bs\u00ed\u010dn\u00ed \u010derp\u00e1n\u00ed p\u0159edd\u016fchodu bylo sjedn\u00e1no v neklesaj\u00edc\u00ed v\u00fd\u0161i. Jak\u00e1 je v\u00fd\u0161e prvn\u00ed spl\u00e1tky, alespo\u0148 v takov\u00e9 v\u00fd\u0161i mus\u00ed b\u00fdt i v\u0161echny ostatn\u00ed. Zv\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00edho \u010derp\u00e1n\u00ed z\u00e1kon nebr\u00e1n\u00ed. D\u00e1le z\u00e1kon po\u017eaduje, aby p\u0159edd\u016fchody byly vypl\u00e1ceny m\u011bs\u00ed\u010dn\u011b, bez mo\u017enosti v\u00fdplatu p\u0159eru\u0161it nebo pozastavit.<\/p>\n

4) Posledn\u00ed podm\u00ednkou je minim\u00e1ln\u00ed d\u00e9lka spo\u0159ic\u00ed doby. Tou je dle z\u00e1kona doba placen\u00ed p\u0159\u00edsp\u011bvku, a\u0165 u\u017e V\u00e1mi osobn\u011b nebo zam\u011bstnavatelem za V\u00e1s. Z\u00e1kon po\u017eaduje, aby tato doba trvala minim\u00e1ln\u011b 5 let. Existuje v\u00fdjimka v p\u0159\u00edpad\u011b pob\u00edr\u00e1n\u00ed invalidn\u00edho d\u016fchodu III. stupn\u011b, v tomto p\u0159\u00edpad\u011b sta\u010d\u00ed spo\u0159it jen 3 roky ke dni pod\u00e1n\u00ed \u017e\u00e1dosti o v\u00fdplatu p\u0159edd\u016fchodu.<\/p>\n

Pokud jste penzijn\u00ed smlouvu uzav\u0159eli p\u0159ed rokem 2013, \u0161lo o tzv. penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. Rozd\u00edly oproti dopl\u0148kov\u00e9mu penzijn\u00edmu spo\u0159en\u00ed nebudeme popisovat dopodrobna, z\u00e1sadn\u00ed je v\u0161ak ten, \u017ee z penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed nelze p\u0159edd\u016fchod vypl\u00e1cet. Pokud m\u00e1te tedy smlouvu sjednanou p\u0159ed n\u011bkolika lety, mus\u00edte se svou penzijn\u00ed spole\u010dnost\u00ed uzav\u0159\u00edt smlouvu o dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed, na z\u00e1klad\u011b kter\u00e9 se va\u0161e \u00faspory p\u0159evedou ze star\u00e9ho penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed (tzv. transformovan\u00e9ho fondu) do nov\u00e9ho re\u017eimu spo\u0159en\u00ed. Tento p\u0159evod podle odhad\u016f bank m\u016f\u017ee trvat n\u011bkolik m\u011bs\u00edc\u016f. D\u00e9lka spo\u0159ic\u00ed doby se v\u00e1m v\u0161ak bude s\u010d\u00edtat i za dobu, kdy jste m\u011bli zalo\u017een\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed.<\/p>\n

Jan Bedn\u00e1\u0159, Martin Kohoutek
\nwww.odchod-do-duchodu.cz
\nwww.finexpert.cz<\/p>\n","protected":false},"excerpt":{"rendered":"

Abyste mohli pob\u00edrat p\u0159edd\u016fchod, je t\u0159eba splnit podle serveru www.odchod-do-duchodu.cz celkem \u010dty\u0159i z\u00e1kladn\u00ed podm\u00ednky: 1. zalo\u017een\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, 2. dosa\u017een\u00ed \u201ep\u0159edd\u016fchodov\u00e9ho v\u011bku\u201c, 3. dostatek […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18,9],"tags":[],"class_list":["post-1163","post","type-post","status-publish","format-standard","hentry","category-poradna","category-zpravy"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/1163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1163"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/1163\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}