{"id":15402,"date":"2022-04-08T18:34:57","date_gmt":"2022-04-08T16:34:57","guid":{"rendered":"https:\/\/loaniconsulting.es\/que-ocurre-cuando-un-autonomo-no-ha-cotizado-lo-suficiente-para-acceder-al-100-de-la-pension\/"},"modified":"2024-11-08T11:27:28","modified_gmt":"2024-11-08T10:27:28","slug":"canvis-a-les-pensions-que-passa-quan-un-autonom-no-ha-cotitzat-prou-per-accedir-al-100-de-la-pensio-per-a-autonoms-el-2025","status":"publish","type":"post","link":"https:\/\/loaniconsulting.es\/ca\/canvis-a-les-pensions-que-passa-quan-un-autonom-no-ha-cotitzat-prou-per-accedir-al-100-de-la-pensio-per-a-autonoms-el-2025\/","title":{"rendered":"Canvis a les pensions Qu\u00e8 passa quan un aut\u00f2nom no ha cotitzat prou per accedir al 100% de la pensi\u00f3? per a Aut\u00f2noms el 2025"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15402\" class=\"elementor elementor-15402 elementor-288\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd2a67f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd2a67f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70ee394\" data-id=\"70ee394\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ca6b78 elementor-widget elementor-widget-text-editor\" data-id=\"0ca6b78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"Apple-converted-space\">\u00a0<\/span>Per als aut\u00f2noms, complir els requisits de cotitzaci\u00f3 \u00e9s clau per assegurar el 100% de la pensi\u00f3 en jubilar-se. El 2025, els qui vulguin percebre la totalitat de la seva base reguladora hauran d&#8217;haver acumulat almenys 36 anys i mig de cotitzaci\u00f3. El 2027, aquest m\u00ednim augmentar\u00e0 a 37 anys. Si no s&#8217;arriba a aquest temps cotitzat, la pensi\u00f3 es calcular\u00e0 aplicant un percentatge de reducci\u00f3 en funci\u00f3 dels anys cotitzats.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><b>Per exemple:<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><b><\/b><\/p>\n<ul>\n<li>Base reguladora: Un aut\u00f2nom amb una base de 1.435,3\u20ac mensuals percebria el 100% (1.435,3\u20ac) nom\u00e9s si compleix els requisits de cotitzaci\u00f3.<\/li>\n<li>Reducci\u00f3 per anys: Amb nom\u00e9s 15 anys cotitzats, es considera el 50% de la base reguladora i resulta en 717\u20ac de pensi\u00f3.<\/li>\n<li>Increment gradual: A partir de l&#8217;any 16, cada mes addicional cotitzat entre els mesos 1 i 49 incrementa la base un 0,21%. Per exemple, amb 16 anys cotitzats, la pensi\u00f3 es calcula sobre el 52,52% de la base, resultant en 753,3\u20ac.<\/li>\n<\/ul>\n<p>Aquest sistema gradual continua fins a assolir el 100% de la pensi\u00f3 despr\u00e9s de 36 anys i mig de cotitzaci\u00f3. Per tant, \u00e9s essencial que els aut\u00f2noms planifiquin la seva jubilaci\u00f3 i cotitzin el necessari per garantir la m\u00e0xima cobertura.<span class=\"Apple-converted-space\"><\/span><\/p>\n<p><b>Conclusi\u00f3: <\/b><\/p>\n<p>No assolir el per\u00edode de cotitzaci\u00f3 adequat redueix de manera significativa l&#8217;import de la pensi\u00f3. Con\u00e8ixer aquests detalls permet als aut\u00f2noms prendre decisions informades per assegurar el seu benestar financer a la jubilaci\u00f3.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1120da7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1120da7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e5ce535\" data-id=\"e5ce535\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-305b675 elementor-widget elementor-widget-image\" data-id=\"305b675\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/loaniconsulting.es\/wp-content\/uploads\/elementor\/thumbs\/Pension-qx3cf9z80bu0d1rsi4v8w5a7j7wne713je4h1uxu8c.jpg\" title=\"Pensi\u00f3n\" alt=\"Pensi\u00f3n\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Adipiscing elit &#8211; sed do eiusmod tempor incididunt ut labore et dolore magna enim ad minim veniam dolor.<\/p>\n","protected":false},"author":1,"featured_media":14579,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[174],"tags":[],"class_list":["post-15402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-174"],"_links":{"self":[{"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/posts\/15402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/comments?post=15402"}],"version-history":[{"count":0,"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/posts\/15402\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/media\/14579"}],"wp:attachment":[{"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/media?parent=15402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/categories?post=15402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/loaniconsulting.es\/ca\/wp-json\/wp\/v2\/tags?post=15402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}