Munguva yezororo rezhizha gore rino, iyo 60% yevaSpanish (Ndokunge, huwandu hwevanhu 28,04 miriyoni vagari) vanoenda pazororo uye avhareji yemari ichave 1.789 euros pamunhu. Vanopfuura mamirioni matatu veSpanish (3%) vanozoverengera mari yavo yezororo uye, yeiyi, 17 mamirioni vachazviita nemutengo, sekureva kwemushumo uchangoburwa kubva kumuenzanisi wezvigadzirwa zvemari. Iko kushuva kwevashandisi kwekusazogara pamba mushure memwedzi yakaoma kubasa kwasimbiswa.
Chirevo chambotaurwa chinoratidzawo izvozvo vangangoita mamirioni maviri veSpanishIvo (iyo yakazara 1.981.779) vachabhadhara muzvikamu ma1.789 49,3 euros ayo, paavhareji, mazororo avo achavatorera zhizha rino. Nenzira iyi, inokurudzirwa nemushumo weKelisto uyo unoratidza kuti avo vanosarudza kubhadhara mari yavo yezororo vanozofanira kubhadhara 97,7 euros paavhareji muchimbadzo, izvo zvinomiririra mutengo wakazara wemamirioni XNUMX mamirioni.
Iri zhizha, 60% yevaSpanish (28,04 mamirioni) vanoenda kuzororo, mazuva mashoma ekuzorora auchazofanira kubhadhara avhareji e1.789 euros pamunhu, 10% yakawanda (163 euros) kupfuura gore rapfuura. Zvino, kuti vakwanise kutarisana nemubhadharo uyu, vanhu mamirioni 3,04 vachadzosera mari yavo (17% yeiyo yose) uye, yeiyi, 1,9 mamirioni (65%) vachashandisa chigadzirwa chemari chinoreva kutora mari. Mune chero mitsara yechikwereti uye pakati payo zvinosanganisirwa izvo zvinobva kumakadhi echikwereti.
Chikwereti chezororo nemubhadharo
Kuisa mubhadharo pakutanga inogara iri zano rakanakisa rekudzikisa chikwereti. Pasi pemamwe maperesenti anofamba mune imwe nhanho iyo inotangira pa1% kusvika pa3% anenge. Asi iine bhenefiti yakatokura senge kubviswa kwemakomisheni uye zvimwe zvinoshandiswa mukutarisira nekuchengetedza. Semhedzisiro yechiito ichi, ivo vanobvunza ichi chigadzirwa chebhangi vanogona kuchengetedza kusvika ku3% pane huwandu hwechikumbiro. Nemamiriro ezvinhu anodakadza zvakanyanya ezvaunoda iwe muhukama hwako nemasangano echikwereti.
Chikamu chakanaka chemitsetse yechikwereti chakaumbwa pasi peichi chakasarudzika hunhu nemasangano emari. Nechinodiwa chega chekuisa mubhadharo pamberi kana, pazvinenge zvakakodzera, iyo mari yenguva dzose kubva kuvashandi vanozvishandirakuzvishandira gore. Nemhando dzakasiyana umo iwe unogona kusarudza yakanakisa fomati yekukumbira chikwereti kuti ushandise iri rinotevera zororo zhizha.
Kuva mutengi anodikanwa
Hapana mubvunzo kuti kuve wakanaka mubhengi mutengi kunogona kufambisa iri rakaoma basa rekutora chikwereti nemamiriro ari nani mukubata kwayo. Kune izvi zvichave zvakafanira kuti usave nezvikwereti nebhangi, kuve nehukama hwakasimba kwazvo nazvo uyezve iva nechiyero chakasimba kwazvo muakaundi yako yekuchengetedza. Nepo kune rimwe divi, mari yemubereko ichave yakapfava kubva zvino zvichienda mberi. Beyond imwe nhevedzano yehunyanzvi kufunga. Nechibvumirano chichaitwa zviri pamutemo zvakanyanya uye munguva ipfupi yenguva.
Kune rimwe divi, isu hatigone kukanganwa kuti havazi vese vashandisi vanozokwanisa kuwana iyi modhi kuti vawane iyi yakasarudzika mutsara wechikwereti. Kwavanenge vasina kumboshayikwa mazwi akasimba ekubhadhara kune izvo zvinodiwa nevatengi ivo pachavo. Kugona kusarudza pakati pemafomati akasiyana ayo anotengeswa nemabhangi mushure mekubvumirana kwavo panguva. Kuva mumwe wemikana yauinayo panguva ino yekuwana chikwereti chakachipa uye nemakwikwi emitero yakawanda kupfuura nhasi.
Banking zvinopihwa uye kukwidziridzwa
Unogona kusazviziva, asi pane imwe sarudzo inogona kuve inonakidza kusangana nechishuwo ichi chekushandisa zororo rinotevera muzhizha rino. Zvinoita sei kuti ugamuchire iyo kiredhiti iyo inopihwa nemabhangi kune vatsva vatengi. Ivo vari kutengeswa nemamiriro ezvinhu ari nani mukuhaya kwavo kuburikidza nemitero yakaderera pane yakasara. Nepo kune rimwe divi, ivo vanowanzo kusunungurwa kubva kumakomisheni uye zvimwe zvinoshandiswa mukutarisira kwavo uye kugadzirisa. Nemari inochengetwa neichi chiito muhukama nemasangano ekubhengi uye nekubatsira kwehukama hwako wega.
Nepo kune rimwe divi, isu tichifanira zvakare kusimbisa chokwadi chekuti iyi nzira yekutengesa inobatsira kwazvo kune zvaunofarira nekuti unogona kuwana zvikumbiro zvinobatsira kwazvo kuitira kuti gore rino zvinokubhadharira mari shoma yekushandisa mazororo ako. Nekuti mukuita, ivo vanotengeswa pamwe mitengo yezvibereko inofamba 6% uye 7%, uye pasina makomisheni kana zvimwe zvinoshandiswa mukutarisira kana kugadzirisa. Iko kusarudzika kwekusarudza nzira yekutengesa ndeyekuti haisi kugara ichiwanikwa mukati megore rose. Kana zvisiri, pane kudaro, inokura mune yakasarudzika nzira uye pamusoro pezvose zvakaganhurirwa munguva. Kwete pasina, iwe unofanirwa kuziva nezve kutaridzika kwerudzi urwu rwekusimudzira uye zvinopihwa mune aya mafomati mune echikwereti mitsara yekutsigira yako inotevera zororo.
Kiredhiti kuenda kunze kwenyika
Izvo zvakagadzirirwa kupa mari iyo bachelor's degree, tenzi degree, dhigirii kana kosi dzekudzidzira dzinoitwa nevadzidzi kunze kwenyika, pamwe nemari inoshandiswa kubva mukugara uku (mafambiro, zvinhu zvekuita, dzimba dzekurenda, nezvimwewo). Izvo zvavano fambisa pakati pe20.000 ne60.000 euros iyo inogona kudzoserwa munguva yekubhadhara iyo iri pakati pemakore mana negumi, zvichienderana nemari yakweretwa. Pasi pemitero yezvibereko mumamiriro ari nani pane ayo anopiwa nemamwe marudzi ezvikwereti uye ane "hokore" huru yekuvashambadzira kune vangangove vatengi iko kuiswa kwenyasha nguva iyo varidzi vachazongobhadhara mubereko.
Kunyangwe kuwanikwa kwayo kwakavhurika kune ese marudzi evadzidzi veyunivhesiti, pasina kufunga nezvavanobvumirwa pachavo, zvinofanirwa kucherechedzwa kuti vamwe maitiro anodikanwa Ivo vanosanganisira chinodikanwa chekuva nekontrakiti zvimwe zvigadzirwa nesangano uye, zvakare mune zvimwe zviitiko, zvinosungirwa kuchengetedza rekodhi rekodhi rezvidzidzo kuti riite mumusika webhangi. Nekuda kwehunhu hwavo hwakasarudzika, masangano emari anotarisira huwandu hwakakwira kupfuura uhwo hwakagoverwa kune zvimwe zviitiko zvedzidzo, pamwe nemukana wekudarika miganho inoiswa pasi pemamwe mamiriro nemabhangi nemabhangi ekuchengetedza ayo arikushambadzira izvozvi.
Kubviswa kwemitero
Iyo chikwereti inogona kuburitsa mutero kubvisirwa kana chinangwa chechikwereti chaive chekuwedzera imba kana kubhadhara imwe mutero inobvisirwa mari mukutenga imba, mipiro kuzvirongwa zvepenjeni kana chero imwe nzvimbo yekuenda kuneavo vanoonekwa semari inobvisirwa mutero wemunhu wega (Yega Mari Yemutero) .Mari yeVamwe (). Saizvozvo, nekuwana ichi chigadzirwa chechikwereti, vatengi vanozokwanisa kubatsirwa nepakeji yemahara emabhangi zvigadzirwa uye masevhisi ivo vachichengeta muhoro unotongwa munzvimbo yezvemari, senge: kuchengetedza uye manejimendi yazvino account, muripo wepagore wekadhi chikwereti, kuendesa uye macheki, uye kushandiswa kweATM network yebhangi kana bhanga rekuchengetedza iro chigadzirwa chemari ichi chakabvumiranwa.
Mbiri kwavanotungamirwa
Iyo chimiro kune iyo mhando yechikwereti inotungamirwa inonyatsotsanangurwa nemasangano emari anoipa iyo, umo, chokwadika, vatengi vane dambudziko zvakanyanya, vane zvikwereti kana kunonoka kubhadhara, pamwe neaya asina hushoma hwemari inodiwa nesangano, ndiko kuti, akarongwa sengozi. Pane kupesana, izvo zvinonyanya kunetsekana kuvapa ndeavo vane zvese kana chikamu chikuru chezvivakwa zvinotevera zvakatsanangurwa pazasi:
- Vatengi vasina njodzi, ndiko kuti, avo vasingape matambudziko kusangano nekuda kwekubhadhara kwavo kwakanonoka kana kusabhadhara.
- Vashandisi vasina kiredhiti chigadzirwa chakatengwa panguva iyoyo (mutengi chikwereti kana mogeji).
- Vanhu vanogona kuvimbisa chikwereti icho kuburikidza nemubhadharo kana mari inoitwa nguva zhinji.
- Iva nenguva iyoyo account yazvino ine kukwana kwemari kutora chikwereti chakabvumidzwa.
- Rekodhi risinganzwisisike remabhengi, mune iyo mari yekuchengetedza kana zvigadzirwa zvekudyara zvinowanzoitirwa chibvumirano.
- Kuwanika kwemari uye, kuti kunoonekwa kuti hapana kufamba muaccount yako, ndiko kuti, hapana chakakosha capital kubuda.
Zvinyorwa zvekupa
Kuti uwane rudzi urwu rwezvikwereti zvinokurumidza, izvo zvinodiwa, zvakawandisa, zvakapamhama pane izvo zvingangotaridza pakutanga kuona, Izvo hazvina kukwana neiyo DNI uye yekupedzisira mari chirevo. Zvichienderana nezvinodiwa zvechikwereti chega chega, chinhu chinowanzoitika ndechekuti panguva yekumisikidza chikwereti chehunhu uhwu, vanyoreri vanofanirwa kupa zvinyorwa zvinotevera: kopi yeNational Identity Gwaro kana Residence Kadhi inesimba mapato ese anopindira, photocopy yeiyo yakatarwa debit risiti muzita rako (magetsi, mvura, gasi, runhare, inishuwarenzi, nhare ...); humbowo hwemari yemubati uye mubati-mubati, kana zvichibvira; Kana iwe uchinge uchishanda, kopi yemapepa maviri ekupedzisira uye kana iwe uchizvishandira, iwe uchazoda fotokopi yemutero wekupedzisira wega wemari pamwe neyekudzokororwa kwemakota maviri ekupedzisira. Mumamiriro ezvinhu apo vanenge vachidaidzira vari pamudyandigere kana vari pamudyandigere, gwaro rinogamuchirwa richava rekudzokororwa kwepenjeni