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How to apply for unemployment capitalization

BAYONNE By LOLA RAY

The unemployed who wish to start a business must justify the investment objective and demonstrate the need for money

Spain is one of the countries with the highest level of unemployment in the European Union and the situation, according to experts, is not expected to improve in the short term. In crisis who are unemployed for some time choosing the path of self-employment testing. But opening a business is not easy. It takes an initial capital and banks show reluctance to provide credit. The new business projects should collect sufficient guarantees and warranties. An alternative is to apply the capitalization of the provision unemployment in a single payment. Thus, provided the initial capital needed to start the new activity. Capitalization is possible for those who collect a pension pay, which should justify the investment objective and demonstrate the need for money.

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people applying for unemployment capitalization perceive the amount of unemployment benefit in one payment. To prevent fraud, applicants must justify the purpose of investment. In addition, money can only perceive the unemployed who receive a pension and unemployment retribuitiva demonstrate the need of that capital for business investment aimed at:

• Self-employment by a corporation or as a freelancer.

• Join stable as a working partner of a cooperative society or a newly created job, or that which was previously attached to an employment relationship no longer than 24 months.

With unemployment capitalization is not accessed to 100% of the amount charged INEM if covering the whole period of unemployment benefit to which they are entitled, but payment is related to situation personal and work of the applicant:

• If managed discharged from the system of self-employed, are entitled to a lump sum payment of 60% of the total. The rest of the money, to cover 100%, is used to offset the Social Security contributions. The payment of these fees can be monthly or quarterly.
  

• The disabled with a degree of disability equal to or greater than 33% can get 100% of capital outstanding.

• integration in a cooperative or worker-owned company represents the third option. There are two possibilities: to have and work in either of these two modalities and create a partnership or with other participants. In both cases, you should apply for 100% of unemployment if it is the amount needed to provide as equity in the new entity. If lower, is given only to the extent necessary, the rest will go to the offset of Social Security contributions.

• The unemployed under 30 years (35 years for women) will receive 80%. This measure was taken last July 31 in Council of Ministers and shall remain in force until the end of 2010.

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VIA - consumer.es