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农村兴起“买退休”,农民这样做划得来吗?又能领到多少养老金?
如今许多年轻人外出打工,家里边就剩下老人,日常衣食住行全得靠自己,因此养老问题一直也是农民比较关心的话题。
相比于城市职工退休之后每个月能领取到几千元的退休金,农村人能领到的并不多,大多数农村老人因为没有缴费或者没有达到缴费年限,每个月只能领取到几十元的基础养老金,想要用这些钱去维持日常生活开支,恐怕多少还是有些困难。
这两年,农村许多人家里条件得到了很大的改善,家里有了点积蓄,“买退休”之风便开始流行起来,通过该一次性补缴15年的养老保险,60周岁之后便能向城里人一样退休之后还能拿“工资”,一般来说一次性补缴15年之后,每个月可以领取到的钱大概在800-1300元之间。
那么补缴的条件是什么呢?男满45周岁,女满40周岁的农村户口,可以一次性补缴,补缴的年限不低于15年。以山东为例,一次性补缴15年大概在9万元左右,按照退休之后每个月能领取到800元,大概需要10年左右的时间能回本,最快大概需要8年左右。
当然一下子拿出这么多钱,一般的家庭可能有些承受不起,毕竟这不是一个小数目。所以最好还是按时缴纳城乡居民养老保险比较好,一般来说有100-1000这10个档次,可以根据自己家里情况,选择比较适合的档次,这样一般农民都能承受的起,到60岁之后,也能领到一笔属于自己的养老金。
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