A lokacin hutun bazara a wannan shekara, da 60% na Mutanen Espanya (ma'ana, jimillar mazauna miliyan 28,04) za su tafi hutu kuma matsakaicin kashe kuɗi zai zama euro 1.789 ga kowane mutum. Fiye da Mutanen Espanya miliyan 3 (17%) za su jinkirta lokacin hutunsu kuma, daga cikin waɗannan, miliyan 1,9 za su yi hakan a farashi, bisa ga sabon rahoto daga kwatancen kayayyakin kuɗin. Inda aka tabbatar da sha'awar masu amfani da kada su zauna a gida bayan watanni masu wahala a aiki.
Rahoton da aka ambata ya kuma nuna hakan kusan Mutanen Spain miliyan biyuSu (jimillan 1.981.779) za su biya a kan kari Yuro 1.789 wanda, a matsakaita, hutunsu zai biya su wannan bazarar. Ta wannan hanyar, rahoton Kelisto ya rinjayi ya bayyana cewa waɗanda suka yanke shawara don ba da kuɗin hutu lokacin bazara za su biya Yuro 49,3 a matsakaita cikin fa'ida, wanda ke wakiltar jimlar kuɗin Yuro miliyan 97,7.
Wannan bazarar, Kashi 60% na Mutanen Spain (miliyan 28,04) za su tafi hutu, 'yan kwanaki na shakatawa wanda dole ne ku biya kimanin euro 1.789 ga kowane mutum, 10% ƙari (Yuro 163) fiye da shekarar da ta gabata. Koyaya, don fuskantar wannan kuɗin, mutane miliyan 3,04 zasu jinkirta kashe su (17% na jimillar) kuma, daga waɗannan, miliyan 1,9 (65%) za su yi amfani da samfurin kuɗi wanda ke nufin ɗaukar wasu kuɗi. A kowane layi na bashi kuma daga cikinsu akwai waɗanda aka haɗa waɗanda daga layin katin kuɗi.
Kudin hutu tare da biyan kuɗi
Sanya biyan farko shine koyaushe kyakkyawan tsari don rage daraja. Karkashin kashin da ke motsawa a cikin kewayon hakan yana tafiya daga 1% zuwa 3% kamar. Amma tare da fa'ida mafi girma kamar kawar da kwamitocin da sauran kashe kuɗaɗen gudanarwa da kulawa. Sakamakon wannan aikin, masu da'awar wannan samfurin banki na iya adana har zuwa 3% akan adadin da'awar. Tare da mafi kyawun yanayi don sha'awar ku a cikin alaƙar ku da cibiyoyin bashi.
Wani ɓangare mai kyau na layin kuɗi ana ɗaukar ciki a ƙarƙashin wannan halayyar ta musamman ta ƙungiyoyin kuɗi. Tare da takaddama kawai ta sanya albashin gaba ko, inda ya dace, da samun kuɗaɗen shiga daga ma'aikata masu zaman kansushekara mai aikin kai. Tare da samfuran daban daban waɗanda zaku zaɓi mafi kyawun tsari don neman lamuni don ciyar da wannan hutun bazara mai zuwa.
Kasancewa abokin cinikin da aka fi so
Shakka babu kasancewar sa abokin harka na banki na iya sauƙaƙa aiki mai rikitarwa na samun rance tare da kyakkyawan yanayi a cikin kwangilar sa. A saboda wannan zai zama tilas kada a sami bashi tare da banki, don samun haɗin kai tare da shi kuma ba shakka da ma'auni mai ƙarfi a cikin asusun ajiyar ku Yayinda a gefe guda, yawan riba zai zama mai taushi daga yanzu. Bayan wani jerin abubuwan la'akari na fasaha. Tare da rangwame wanda za'a tsara shi cikin kwanciyar hankali kuma cikin kankanin lokaci.
A gefe guda, ba za mu iya mantawa da cewa ba duk masu amfani bane za su iya samun damar wannan samfurin don samun wannan layin na musamman. Inda basu taba bata ba sharuddan biya da yawa ga bukatun abokan ciniki da kansu. Samun damar zaɓar tsakanin nau'ikan daban-daban waɗanda bankuna ke tallatawa bayan rangwamen lokaci. Kasancewa ɗaya daga cikin damar da kuke da ita a halin yanzu don samun daraja mai rahusa kuma tare da ƙimar riba mai fa'ida fiye da yanzu.
Banki da gabatarwa
Wataƙila ba ku sani ba, amma akwai wani zaɓi wanda zai iya zama mai ban sha'awa sosai don saduwa da wannan buƙatar don ciyar hutu na gaba a wannan bazarar. Ta yaya za a karɓi kuɗin da bankuna ke bayarwa ga sababbin abokan ciniki. Ana tallatasu da mafi kyawun yanayi a cikin aikinsu ta hanyar rarar kudi fiye da sauran. Duk da yake a gefe guda, yawanci ana keɓance su daga kwamitocin da sauran kuɗaɗen gudanarwa da kulawarsu. Tare da tanadi da aka samar ta wannan aikin a cikin alaƙa da ƙungiyoyin banki kuma don amfanin keɓaɓɓiyar dangantakarku.
Duk da yake a gefe guda, dole ne kuma mu jaddada gaskiyar cewa wannan dabarun kasuwanci yana da fa'ida sosai don bukatunku saboda kuna iya samun shawarwari masu fa'ida ta yadda wannan shekara zai rage muku kuɗi kaɗan don yin hutunku. Saboda a zahiri, ana tallatawa dasu farashin sha'awa wanda ke motsa 6% da 7%, kuma ba tare da kwamitocin ko sauran kashe kuɗaɗen gudanarwa ko kulawar ta ba. Downarin amfani da dabarun ciniki shi ne cewa ba koyaushe ake samun sa ba a cikin shekara. Idan ba haka ba, akasin haka, yana haɓaka ta takamaiman hanya kuma sama da duk iyakantaccen lokaci. Ba a banza ba, dole ne ku san bayyanar wannan nau'in tallatawa da bayarwa a cikin waɗannan tsarukan a cikin layin kuɗi don ba da kuɗin hutun ku na gaba.
Kyauta don zuwa ƙasashen waje
An yi niyyar su ba da takardar digiri, digiri na biyu, digiri na biyu ko kwasa-kwasan horo da ɗalibai ke yi a ƙasashen waje, da kuma kuɗin da aka samu daga wannan zaman (tafiye-tafiye, kayan koyarwa, hayar gida, da sauransu). Don abin da suke ci gaba tsakanin euro dubu 20.000 zuwa 60.000 wanda za a iya dawo da shi a lokacin biya wanda ya kasance tsakanin shekaru 4 zuwa 10, gwargwadon adadin rancen. Arkashin ƙimar riba a cikin yanayi mafi kyau fiye da waɗanda wasu nau'ikan lamuni ke bayarwa kuma waɗanda babban "ƙugiya" don tallata su ga abokan hulɗar su shine haɗakar da lokacin alheri inda waɗanda ke riƙe da su za su biya ribar kawai.
Kodayake damarta a buɗe take ga kowane irin ɗaliban jami'a, ba tare da yin la'akari da amincewarsu ba, ya kamata a lura cewa wasu mafi wuya yanayin Sun haɗa abin da ake buƙata don samun wasu samfuran kwangila tare da mahaɗan kuma, a wasu lokuta, ya zama tilas a kiyaye ingantaccen rikodin ilimi don cimma shi a kasuwar banki. Saboda halayensu na musamman, cibiyoyin hada-hadar kudi suna hango kudade sama da wadanda aka ware wa wasu ayyukan ilimi, da kuma yiwuwar wuce iyakokin da aka sanya a karkashin wasu yanayi ta bankunan da bankunan ajiya wadanda ke tallata su a halin yanzu.
Cire haraji
Lamarin na iya gabatar da ragin haraji idan dalilin rancen shine fadada gida ko biyan wasu kudaden cire haraji a siyan gida, gudummawa ga tsare-tsaren fansho ko kuma duk wata manufa ta wadanda ake tunanin za a cire kudi a cikin harajin kudin shiga na mutum (IRPF Kudin Kuɗaɗen Mutane). Hakanan, ta hanyar samun damar wannan samfurin na bashi, abokan harka zasu sami fa'ida daga kunshin kayan masarufi da sabis na banki kyauta yayin da suke biyan kuɗin da aka sanya a cikin ma'aikatar kuɗi kamar: kulawa da gudanar da asusun na yanzu, kuɗin shekara na katin katin , canja wuri da cak, da kuma amfani da hanyar sadarwar ATM na banki ko bankin ajiya wanda aka yi kwangilar wannan samfurin kuɗin.
Bayanin da aka tura su
Bayanin da aka ba da wannan nau'ikan lamunin an bayyana shi ta hanyar cibiyoyin kuɗi waɗanda ke ba da shi, wanda ba shakka mafi yawan abokan ciniki masu matsala, tare da bashi ko marigayi biya, da kuma waɗanda ba su da mafi ƙarancin kuɗin ruwa da ƙungiyar ke buƙata, wato, an lasafta su a matsayin haɗari. Akasin haka, abin da ya fi dacewa don ba su shine waɗanda ke da duka ko babban ɓangaren abubuwan da ke gaba waɗanda aka bayyana dalla-dalla a ƙasa:
- Abokan ciniki ba tare da haɗari ba, ma'ana, waɗanda ba su ba da matsala ga ƙungiyar saboda jinkirin biyan su ko rashin biya.
- Masu amfani waɗanda ba su da samfurin bashi sun ƙulla a wancan lokacin (rancen mabukaci ko lamuni).
- Mutanen da zasu iya ba da tabbacin wannan rancen ta hanyar biyan kuɗi ko kuɗin shiga da aka samu akai-akai.
- Shin a wancan lokacin asusun na yanzu tare da isasshen kuɗi don ɗaukar bashin da aka ƙulla.
- Tarihin banki mara kyau, wanda ana kwangilar tanadi ko kayayyakin saka jari akai-akai.
- Samuwar ruwa kuma, cewa an gano cewa babu motsi a cikin asusunku, ma'ana, babu wata fitacciyar hanyar fitowar kuɗi.
Takardun gabatarwa
Don samun damar wannan nau'in saurin kuɗi, abubuwan buƙatu, gaba ɗaya, sun fi abin da zai iya bayyana da farko kallo, Bai isa ba tare da DNI da bayanin kuɗin shiga na ƙarshe. Dogaro da ka'idojin kowace cibiyar bayar da bashi, abu mafi mahimmanci shine a lokacin tsara lamuni na waɗannan halayen, masu buƙatar dole ne su gabatar da waɗannan takaddun masu zuwa: hoto na Takaddun Shaidar Nationalasa ko Katin zama a cikin karfi na duk ɓangarorin da ke shiga tsakani, kwafin risho na kai tsaye da sunan ka (wutar lantarki, ruwa, gas, tarho, inshora, wayar hannu ...); tabbacin samun kudin shiga na maigidan da kuma mamallakin, idan ya dace; Idan kuna aiki, hoto na biyan kuɗi biyu na ƙarshe kuma idan kuna aiki kai tsaye, kwafin kuɗin haraji na mutum na ƙarshe tare da kwafin ɓangarorin biyu na ƙarshe zai zama dole. A halin da ake ciki inda masu neman suka yi ritaya ko masu karbar fansho, takaddar da aka amince da ita za ta kasance ta sake ragin fansho