# Pensyon shaqada: OTP, AFP iyo IPS

Shaqadhaha ayaa u ogol inuu kaydio khamiis 2 ugu-yar ah meeshahaag shaqada ee pensyon. Sidaa loo isticmaalo OTP, khaasadka pensyon ta khaas ah, sabtiyada caasimadka pensyon, AFP iyo IPS ee Norweeji.

Canonical: https://samfunnprep.no/so/articles/tjenestepensjon-afp-norge
Language: so
Publisher: SamfunnPrep
Author: Hlib Suslov
Published: 2026-07-23T21:30:03.384+00:00
Modified: 2026-11-02T10:06:39.734286+00:00
AI use policy: https://samfunnprep.no/ai-policy.txt

## Key takeaways

- Khamiis 2 gu-yar ah, qof kasta oo bilaha Shaqadhaha ayaa u ogol inuu kaydio khamiis 2 gu-yar ah oo meeshahaag ilaa 12 G (sharcigu OTP § 4), iyo dalka 1. janaayo 2022 waxay ku saabsan yihiin qof kastaa oo bilayga 13 sano ah.
- 87 387 kroner oo kala gaarka kadir gaara iyo dheer Forbrukerrådet ayaa 25 jir oo kaydinta xeshay ayaa siiyo 1 081 918 kroner oo kadir 0,25 boqolka ah, oo kaliya oo 994 531 kroner oo kadir 0,60 boqolka ah oo khaasadka pensyon gaarka ah.
- 4 oo 10 ma guuleystay ilaa AFP LO waxay sheegaan in 40 boqolka ah oo qof shaqo gaaren kaamis oo AFP-ah oo 53 jir, ma guuleystay sannad 62, sababta sharcigu 7 oo 9 jir oo kaamis oo AFP-sheekadu jirta.

Pensyon shaqada ee shaqadhaha waa lacag shaqadhaha ayaa u ogol inuu kaydio kugu siiyo ayada lagu daray casimadka talyada guud (folketrygden). Ugu yaraan waa 2 gu-yar ah meeshahaag shaqada. Halkan waa sharciyada OTP, khaasadka pensyon ta khaas ah, sabtiyada caasimadka pensyon iyo AFP.

## Pensyon shaqada ee shaqadhaha waa labaad alaab shan pensyonadda

Pensyoonka aad helid Norweeji wuxuu ka yimid saddex il: casimadka talyada guud, pensyon shaqada ee shaqadhaha, iyo kaydinta gaar ah. Baayadh ayaa qof kaliya yaqaan mid koowaad, laakiin alaab labaad iyo saddexaad waxay noqon karaan qaybeed weyn oo lacagta la bixiyo.

Alaba koowaad waa casimadka talyada guud oo NAV laga helo (daraadda shaqada iyo caafmaadka). Waxay ku xidhan yihiin dakhliga aad helid iyo habka aad joogid Norweeji, eeg [casimadka talyada guud iyo talada habka joogida](https://samfunnprep.no/so/articles/pensjon-botid-innvandrere).

Alaba labaad ayaa sharci loo dhigan. **OTP (pensyon shaqada oo lagu mooddahay)** macnaheedu waxa ay tahay in shaqadhaha ay kaydiyaan **khamiis 2 gu-yar ah oo meeshahaag aad helid ilaa 12 G** (sharcigu OTP § 4). G waa lacagta aasaasiga ah oo talyada guud laga adeegsado oo ay tahay **136 549 kroner goob 1. may 2026**.

Dalka 1. janaayo 2022 ayaa kaydinta billaabatay oo qof kastaa, waayo waxaa la dib u badalay niyada hore ee 1 G. Taladda shan iyo labaatan oo boqolka ah ayaa kalsooni ahaan sababta la dhaaf. Shaqaale kasta oo bilayga ay 13 sano ah oo lacag la bixiyo ay waa mid iska jira. Taladdan waxay ku saabsan yihiin kaamista aasaasiga ah ee gaarka ah (sharcigu OTP § 1), sidaas awgeed kaamis yar oo gaarka ah ayaa la yaab. Hadii aad shaqo gaaro ama xilli koowaad, waxaad lahayd soo bagtid oo kaydinta.

Shaqadhaha wuxuu kaydiyaan khamiis ilaa 7 gu-yar ah, laakiin ugu yaraan ayaa caadi ah: 81 oo boqolka ah oo kaamista kaydinta iyo layga cuntada iyo luuqada ka yaqaan lacag 2 gu-yar ah (Finans Norge, 2025). Ganacsatada iyo qof walaac ah iyo la-ganacsatada ma laha shaqadhaha oo kaydiya iyaga, eeg [ganacsatada go'an ama iska shaqeeya](https://samfunnprep.no/so/articles/frilanser-eller-enk).

Alaba saddexaad waa kaydinta gaarka ah. **IPS (kaydinta pensyon oo gaarka ah)** wuxuu siiyo la baxid oo dakhliga guud ah. Dakhlig sannadda 2026 waxaad kaydiin kartaa ilaa **25 000 kroner sannad**, oo alaab 22 oo boqolka ah oo kadir baxid ayaa siiya 5 500 kroner yar oo kadir. Lacagta waa la xidhan ilaa aad dhamaadid 62 jir, kaydinta waxay socon kartaa 10 jir oo gaara ilaa aad tahay 80 jir. Kadir wuxuu yimid marka aad qaadid: kadir la sii dhaafay, hindi kadir la daafay.

## Kaydinta abaalmark, abaalmark alaab ama kaydinta isku-dar?

Baayadh waa ka yimid alaab abaalmark oo kaydinta ah.

| Nooc | Sida loo isticmaalo | Xatari | Kaydinta |
|---|---|---|---|
| **Kaydinta abaalmark** | Boqolka ah oo toban dhacdo oo meeshahaag ay lagu aasaasaa | Aad | Waqti u dhexeeya, raga hore 10 sanno |
| **Abaalmark alaab** | Ballan nidaam ah oo kala mid ah meeshahaag ugu dhamaadka, baayadh 66 boqolka ah oo casimadka talyada guud | Shaqadhaha | Raga lifespan ah, badanaa way lagu tuuray qarniga gaar ah |
| **Kaydinta isku-dar** | Kaydinta sida hore, laakiin nidaam weyn ay dumarku, sidaa kaydiye sannad ah way la mid noqon | Labada | Way noqon karaan lifespan ah |

## Khaasadka pensyon gaarka ah: urur pensyon iyo baxid kadir gaara

Hadii aad kaydinta abaalmark ee alaab ka yar ah, waxaad kaydinta **khaasadka pensyon gaarka ah**. Nidaamka wuxuu yimid 1. janaayo 2021 oo ay tahay 1,5 milyan oo shaqaale. Wuxuu ku saabsan yihiin kaydinta abaalmark ee alaab ka yar ah, hindi abaalmark alaab, kaydinta isku-dar ama alaab dawlada.

Pensyon laga soo helay guddida hore way u qaataan konton kood jiray guddida kood hadda. Hadii aydna doonin taas, waxaad heshaan kartaa kaydinta adag oo norskpensjon.no dhexdeeda saddex bilood kaydinta waxaad ogaadid khaasadka. Kaydinta adag waxay jirtaa ilaa aad badbaadiyo iyada.

Waxaad kaydinta khaasadka u wareejin kartaa kaamis aad kaaliso. Dalkaa baxid kadir badbaadi ayaa lagu dhicin, laakiin waxaad heli kartaa isu-dubuuqo lacag oo alaab-ah. Kadir wuxuu macno weyn leh: Forbrukerrådet ayaa 2021 xeshay in 25 jir oo kaydinta oo 400 000 kroner lacag bilowga ayaa siiyo 1 081 918 kroner oo kadir 0,25 boqolka ah, oo kaliya oo 994 531 kroner oo kadir 0,60 boqolka ah. Waxay tahay **87 387 kroner oo kala gaarka ah**. Hor kadir ee Kadir Tirinta oo Forbrukerrådet ah oo finansportalen.no ah.

## Maxaa dhacaw pensyon markaa aad joogto shaqada?

Markaa aad joogto, waxaad hebtaa **sabtiyada caasimadka pensyon** oo kaydinta kaamiiska pensyon oo shaqadhaha kaydiyay kugu. Lacagta waa kuwa aad.

**Sharciga 12 bilood ayaa la badalay goob 1. janaayo 2021.** Hore waxaa loo baahan yahay aad joogtid bilood 12 oo gaara in aad hayatid lacagta. Hadda waxaad hayatid wadna hadii koban yahay waqtigu. Hadii aad shaqo gaaro labo bilood oo kaydad ka bilaha jiraantii, waxaad kaydinta sabtiyada caasimadka pensyon ah.

Lacagta waxay wareejin kartaa khaasadka shaqadhaha cusub ama kaamis aad kaaliso, kaydinta yar waxay isku-dubuuq wada (sharcigu innskuddspensjonsloven §§ 6-3 iyo 6-4).

## AFP: alaab muddo badbaadi nool aad waxyaabaha iska qaad marka aad shaqo badalto

**AFP (pensyon oo alaab sheekadu)** alaab ka yar ee sheekadu waa alaab muddo badbaadi nool oo casimadka talyada guud, laakiin kaliya hadii aad guuleystid waxyaabaha kaamiiska. Nidaamka wuxuu tahay dhan ama waxba: LO (Xushmeega Shaqaalaha ee Norweeji) waxay sheegaan in **40 boqolka ah** oo qof shaqo gaaren oo kaamis AFP-ah oo 53 jir, ma guuleystay AFP markaa ay tahay 62 jir.

Waxyaabaha aasaasiga ah alaab ka yar ee sheekadu waa:

- Shaqaale dhab ah khamiis 20 oo boqolka ah gu-yar ah oo kaamis oo AFP-sheekadu jirta ee **7 oo 9 jir oo dhamaadkood** ilaa aad tahay 62 jir.
- Shaqaale hadda khamiis 20 oo boqolka ah gu-yar ah oo kaamis oo AFP-sheekadu jirta ee **saddex jir oo dhamaadkood** ilaa qaadida.
- Dakhlig sannad oo 1 G ka badan, sidaas awgeed 136 549 kroner goob 1. may 2026, iyo shaqada AFP waa u ahaa aasaasigii shaqada.
- Illaa 26 usbuuc oo jooga ayaa la ogola saddex jir, iyo 104 usbuuc oo dhawr sida, shaqo raagi ama ugu karsooni.

Alaab ayaa 0,314 boqolka ah oo aasaasiga pensyon ee sano, oo ku soo dar 1 600 kroner ee bilood ilaa aad tahay 67 jir. AFP-ka waxaad hayatid hadii aad guurid magaalada dibada.

Alaab dawlada waxay leeyihiin sharciyada gaarka ah. Hadii aad dhashay 1963 ama dhamaadkood, waxaad soo bagtaa muddo badbaadi nool AFP oo **4,21 boqolka ah** oo dakhlig ilaa 7,1 G. Halkaas kaloo waa waxyaabaha kaamiiska: waxaa loo baahan yahay aad shaqo gaaren kaamis oo AFP-sheekadu jirta ee 7 oo 9 jir oo dhamaadkood ilaa aad tahay 62 jir, iyo sannadda bilaha 1963–1966 waxay jiraan sharciyada iska deegeysan. Ka kala duwan alaab ka yar ee sheekadu waxay qaadi kartaa sannad 62 ee isku-mid oo shaqada.

Goob 23. luulyo 2026 waxay ku jiraan sharciga AFP hadda. Nidaam cusub oo soo bagtid lagu salaysay ayaa lagu soo jeedinay, laakiin ma la aqbasho: AFP ayaa la dib u aag tariifu gooba 2026, iyo LO waxay u jeeddaan soo jeedid ilaa gooba dhexe ee 2027.

## Sidee aan baari karaa meeshahaag pensyon?

Waxaad heli kartaa baayadh ee norskpensjon.no iyo nav.no. Labada waa lacag laguma bixin iyo ay u baahan elektronikada ID.

- **norskpensjon.no** waxay urur casimadka talyada guud, pensyon shaqada, AFP iyo alaab gaar ah, iyo khaasadka kaydinta khaasadka pensyon.
- **«Pensyoonka aad» oo nav.no ah** waxay tushaantaa soo bagtida aad kaamis oo casimadka talyada guud, lagu salaysay dakhliga lagu warbixiyay Skatteetaten.
- **Kadir Tirinta** oo Forbrukerrådet ah waxay hor kadir ee u dhexdhexaadka kaamiiska.
- **Sheekada shaqada iyo lacag meeshaha.** Kaydinta pensyon waxaa badbaadi lagu tushaantaa lacag, eeg sidee aad [akhriso lacag meeshaha iyo kadir baxida](https://samfunnprep.no/so/articles/lonnsslipp-og-skattetrekk-norge).

Haas kaamiiska ma sheegaan xog Norsk Pensyon. Hadii alaab la lumay, weydii kaamiiska direktan. Pensyon ee dalka kale waxaa lagu tushaantaa.

## Maxaa dhacaw pensyoonka hadii aad guuro Norweeji?

Pensyon shaqada waa lacag kaydinta, hindi alaab talyada. Caasimadka waa kuwa aad wadna dhakin iyo habka joogida, kaydinta waxay baxdi karaa bilowgii sannad 62.

Hadii aad ahayd dhakin dibada iyo aad joogtid Norweeji ee **gaarka ah saddex jir ka yar** markaa kaydinta la joojiyay, iyo aad guurtid dibada, lacagta waxay isticmaali kartaa in lagu dheddid pensyon ee magaalada dibada kaydinta (sharcigu innskuddspensjonsloven § 6-2 labaad laba). Waxay tahay kaydinta caasimadka wareejin, hindi kaydinta lacag oo doolarka lagu baxiyo. Weydii kaamiiska pensyon maxaa loo baahan yahay.

Hadii lacagta yar tahay, waxaa la gaara kartaa waqtigii kaydinta ilaa boqolka ah lagu baxiyo 20 oo boqolka ah ee G sannad, bilayga 27 300 kroner goob 1. may 2026. Sharciga waxay saabsan yihiin waqtigii kaydinta, hindi kaydinta kaydinta ilaa bilowga sannad 62.

Hadii aad joogtid magaalada dibada, waxaa badbaadi la baxiyo **kadir 15 boqolka ah** oo lacag pensyon, waxba bunnfradrag (Skatteetaten). Labo la-hada: aad ma baxin kadir pensyon gaar ah hadii aad qabin waxba soo bagtid casimadka talyada guud, iyo hadii aad joogtid EU ama EØS, waxaad ku taxtaa norsk ligning oo kadir hadii 90 oo boqolka ah ee dakhliga ayaa kadir Norweeji. Sheekada kadir ee habka joogida waxay la gaara kartaa kadir. Eeg [tushaanta ilaa aad guurtid Norweeji](https://samfunnprep.no/so/articles/flytte-fra-norge-sjekkliste).

Saddex waxyaabaha aad geli kartaa usbuuckan:

- Gal norskpensjon.no oo eeg alaab ee ku jira.
- Baari sheekada shaqada alaab pensyon iyo boqolka ah aad kaydiyaan, iyo kadir ee Kadir Tirinta.
- Weydii shaqadhaha hadii kaamista uu kaydinta AFP-sheekadu, gaarka ah hadii aad tahay bilaya 50 jir.

OO SamfunnPrep waxaad heli kartaa [aalada ee nyankommu](https://samfunnprep.no/so/verktoy) ee xumar talada iyo kaydinta. Baayadh oo sharciga ah waxy kaloo soo bagtid ilaa imtixaanka sawir-guud, iyo waxaad hoos kartaa gaara oo SamfunnPrep.

## FAQ

### Meeshahaag akhriso shaqadhaha i kaydiyaan pensyon?

Khamiis 2 gu-yar ah oo meeshahaag ilaa 12 G, oo sharcigu OTP § 4. Dalka 1. janaayo 2022 ayaa kaydinta billaabatay qof kastaa, iyo shaqaale kasta oo bilayga 13 sano ah oo lacag la bixiyo waa mid iska jira, hadii coban yahay stillinggu. Shaqadhaha wuxuu kaydiyaan ilaa 7 gu-yar ah.

### Hayaa pensyon hadii aan kaliya shaqo gaaren bilood yar?

Hah. Sharciga bilood 12 gu-yar ah waxaa la badalay 1. janaayo 2021. Hadii aad shaqo gaaren labo bilood, waxaad kaydinta sabtiyada caasimadka pensyon ah oo shaqadhaha kaydiyay.

### Yaa heystaa khaasadka pensyon gaarka ah?

Shaqaale alaab ka yar ah oo kaydinta abaalmark leh. Hadii aad kaydinta abaalmark alaab ama kaydinta isku-dar, ama aad shaqo dhistid alaab dawlada, maad heshaan. Pensyon gaarka ayaa urur badbaadi, laakiin waxaad kaydinta adag kartaa norskpensjon.no ee saddex bilood.

### Waxaan waxyaabaho ka qaad AFP hadii aad shaqo badalo?

Hah. Alaab ka yar ee sheekadu waa inaad joogtid kaamis oo AFP-sheekadu jirta ee 7 oo 9 jir ilaa aad tahay 62, iyo saddex jir ilaa qaadida. LO waxay sheegaan in 40 boqolka ah oo qof shaqo gaaren kaamis oo AFP-ah oo 53 jir, ma guuleystay sannad 62.

### Maxaa dhacaw pensyon shaqada hadii aad guuro Norweeji?

Caasimadka waa kuwa aad iyo waqti kaydinta bilowgii sannad 62. Hadii aad ahayd dhakin dibada oo saddex jir ka yar ee joogtid markaa kaydinta la joojiyay, lacagta wareejin kartaa kaydinta pensyon dibada. Hadii aad joogtid dibada, waxaa badbaadi kadir 15 boqolka ah.

### Meeshahaag kaydiyaan IPS sannad 2026?

Ilaa 25 000 kroner sannad dalka 2026. Oo kadir 22 boqolka ah waxay siiya 5 500 kroner kadir. Lacagta waa la xidhan ilaa aad tahay 62 jir, kaydinta waxay socon karaa 10 jir iyo ilaa aad tahay 80 jir.

## Sources

- [Lov om obligatorisk tjenestepensjon § 4 – Minstekrav til innskudd](https://lovdata.no/lov/2005-12-21-124/%C2%A74)
- [Lov om innskuddspensjon i arbeidsforhold § 4-2 – Hvem skal være medlem](https://lovdata.no/lov/2000-11-24-81/%C2%A74-2)
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Citation: Hlib Suslov, "Pensyon shaqada: OTP, AFP iyo IPS", SamfunnPrep, 2026-07-23T21:30:03.384+00:00, https://samfunnprep.no/so/articles/tjenestepensjon-afp-norge