base cotización, descuento de pagares online, fideco descuento de pagares

Por qué y cuando se recomienda aumentar la base de cotización

La base de cotización es la referencia que se utiliza para calcular la cuota de los autónomos, y a partir de la cual se establecen las coberturas sociales con las que este trabajador desea contar. Sin embargo, en FIDECO, líderes en descuento de pagarés sabemos que su importancia no termina allí, sino que además se trata de un activo de suma relevancia pensando en el futuro y en la jubilación que obtendremos.

Justamente por estos motivos desde FIDECO queremos explicarte cuáles son las desventajas de cotizar por la base mínima durante toda tu vida como autónomo, y cuáles las razones por las que, en determinado momento, conviene dejar de pagar lo mínimo. Es cierto que los autónomos ahora mismo están pendientes de que pronto el sistema cambie a la cotización por tramos o cotización por ingresos reales, no podemos perder de vista que existen algunas cuestiones positivas por las cuales puede ser buena idea aumentar la base de cotización.

En primera instancia, una buena razón al respecto tiene que ver con que cotizar por la base mínima de cotización genera pensiones de jubilación bajas. Esto puede no preocuparnos cuando somos jóvenes, con el paso del tiempo, sí es posible que nos interese resignar algo de dinero mes a mes a cambio de estar mejor cubiertos en nuestra vejez. Como consecuencia de lo anteriormente redactado, nos encontramos con que una baja pensión obliga a muchos autónomos a seguir trabajando una vez jubilados, una situación que evidentemente no es la ideal pues muchas veces hablamos de personas que, por su propia edad no tienen las mismas facilidades para seguir trabajando que antes.

Otro buen motivo para aumentar la base de cotización tiene que ver con que, si por algún motivo caes de baja, cobrarás la pensión mínima. Teniendo en cuenta que esta situación es aplicable a otro tipo de bajas como la de maternidad o paternidad, nuestros expertos en descuento de pagarés consideran que siempre es preferible tener una cobertura mayor, por aquello de “mejor prevenir…”

En última instancia, también tienes que tener en cuenta la decisión de cotizar por cese de actividad, lo que se llama el paro de autónomos, recibirás una ayuda acorde con lo que hayas cotizado; por lo que si estás pensando en acogerte a esta opción, deberás tener en cuenta también tus limitaciones. Por eso, en este último caso, si crees que el negocio va mal, puede ser una buena idea cotizar por cese de actividad, pagar algo más los últimos dos meses, y así obtener beneficios llegado el momento. Más allá de lo paradójico que suene esto, la diferencia mensual no será tan importante, y los beneficios de los que disfrutarás sí lo son.

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