Mukati memusika wekutengesa zvivakwa pane chinhu chimwe chete chiri chechokwadi uye icho ndechekuti kubva zvino kutora chikwereti kuchazonyanya kudhura kune vanhu vanoda kutenga imba. Semhedzisiro yekufambira mberi, kunyangwe ichinonoka, kukwira munzvimbo yekuEurope, iyo Euribor. Zvakare pamwe nemamiriro ari kuramba achiwanda ari kuomeserwa nemabhangi kune vanonyorera chigadzirwa chemari ichi. Kusvika padanho rekuti nhasi iwe unofanirwa kubhadhara mashoma mairi euros mumubhadharo wemwedzi wega wezvikwereti izvi.
Izvi zvinoreva zvikwereti zvakabhadharwa nemutengo wakasiyana wemari. Nekuti izvo zvakabatanidzwa kune yakatarwa chiyero zvinoramba zvine iyo muganhu mumwechete wekupindirana. Ndokureva kuti, yakakwira asi isingagadzirisike mukugadzirisa kwayo uye kuti iri kuzvimanikidza pachayo pane izvo zvinoshandiswa nevashandisi. Kusvika padanho rekuti ivo vakawana mugove mukuru wemusika mumwedzi ichangopfuura nekuda kweichi chiitiko chitsva icho musika wezvivakwa unopa kubva zvino zvichienda mberi.
Chero zvazvingaitika, vanyoreri veichi chinodiwa kwazvo kubhengi chigadzirwa vane nzira dzinoverengeka dzekuvandudza mamiriro avo mu kubvumirana kwezvikwereti. Hazvizotora nhamburiko huru kuti uzviite uye pachinzvimbo iwe unozogona kusevha akati wandei maeuro gore rega. Kunze kwezvinotengeswa zvinomisikidzwa kubva kumasangano emari. Nekuti izvo zvazviri pakupera kwezuva ndezvekuti kugadziriswa kwemari iyi yekutenga imba hakusi kuda kubva ikozvino.
Chekutanga kiyi: tora mukana wezvinopihwa
Kunyangwe paine kuwedzera kudiki kwezvikwereti zvemogeji, hapana mubvunzo kuti mabhanga anoenderera nehurongwa hwavo hwekutengesa kusimudzira zvavanopa uye kukwidziridzwa kushambadzira ichi chigadzirwa chakakosha chikamu chikuru chemhuri dzeSpain. Kuburikidza nezano rinoratidza zvakawanda uye nekuwedzera kukwikwidzana kwakapararira uye iyo yaunogona kuchengetedza mashoma euros mwedzi wega. Pasi pekudzikiswa kwezvishoma zvegumi muzana zvichienzaniswa neyokutanga mareti. Zvekuti nenzira iyi ivo vatore mari yemakwikwi uye vawedzere huwandu hwezvikwereti zvavanopa pakati pevatengi vavo.
Imwe yemaitiro anoshandiswa nemabhangi ndeye kubviswa kwemakomisheni uye mari mukutarisira kwayo kana kugadzirisa. Izvi zvatova zvakajairika mumwedzi ichangopfuura kuvhura chigadzirwa chiri kuramba chichi kukwikwidza uye chinogona kuve chinonakidza kune vatsva vechigadzirwa ichi chemari. Izvo hazvigone kukanganwika kuti izvi zvinoshandiswa zvinogona kumiririra kusvika ku3% yemari inodiwa. Ndokunge, mari zhinji iri panjodzi yemari yakakwira seiya anobatwa kuburikidza nezvigadzirwa zvemari izvi.
Subrogate mutero wechikwereti
Nekuda kwehunhu hwapfuura mune mogeji, mhinduro yekudzikisa inogona kugadzirwa kuburikidza nekuisa pasi kwechigadzirwa ichi. Nekuti zvirokwazvo, hapana mubvunzo kuti mamiriro emamwe mabhangi anogona kunge achigutsa seaya chaiwo nguva. Asi zvichave zvichinyatso kudikanwa verenga manejimendi eiri kushanda kwezvemari. Uye chimwe chinhu chakakosha kwazvo, kuona kuti pane komisheni yekuchinjisa iyo inogona kuita kuti kufamba kwechikwereti kudhure kusvika kusvika 2%.
Nepo kune rimwe divi, kuita shanduko iyi mumari yemba zvinozodiwawo kuti musiyano uripo pakati peumwe neumwe ubhadhare mukuita. Ndokunge, iyo nyowani nyowani inofanirwa kuve yakachipa kwazvo kune iyo shanduko yakakosha chaizvo. Hazvina kumboitika pamari isingakodzeri kuvimba kwedu kusiyanisa rudzi rwechikwereti chatakanyorera chero nguva muhupenyu hwedu. Chero zvazvingaitika, iko kuchave kuita kunoda kuwanda kwakawanda kuti uzive mari yatichachengetedza.
Sarudza yakatemwa mwero zvibvumirano
Imwe mhinduro inopihwa nemusika wezvivakwa ndeyekutendeukira kune yakatarwa-reti mogeji kune zvinokuvadza zveanosiyana-mwero iwo. Nezvikonzero zvakasiyana siyana, kunyangwe imwe yeakasimba kwazvo kubva kune izvo tichagara tichibhadhara mari imwe chete yemwedzi. Chero chii chinoitika kune chimbadzo mumisika yemari. Kunyangwe pakutanga isu tichigona kubhadhara yakakwira pamwedzi mubhadharo munguva yakareba ichave iri basa rinobatsira. Kunyanya pamberi pekukwanisa kukwira kwemutengo wemari munyika dzenzvimbo yeeuro. Pamusoro pezvo, nemukana wekuti nguva dzese tizoziva kubhadharwa kwatichafanira kusangana nako nekondirakiti yechigadzirwa ichi chekubhanga.
Kune rimwe divi, isu hatizove nekushamisika muchikamu mumakore ayo chinotora chikwereti chemogeji. Saka nenzira iyi, tinogona zvirinani kutarisira bhajeti mhuri kana munhu. Nekuda kwezvikonzero izvi, iko kusimuka kweiyo yakatarwa reti mogeji iri kuve mukuda kwevashandisi vebhangi hazvishamise. Imwe yepamusoro-soro mumakore achangopfuura uye iyo zvakare inofambisirwa nerejenisheni mumakomisheni uye mari inotorwa kubva mukutungamira kwayo kana kugadzirisa. Kunyangwe munguva pfupi isiri basa rinobatsira, iri mune yepakati uye kunyanya yakareba. Nesainiro yakakosha yekuchengetedza iyo inozoratidzwa mune chaiyo mamiriro eakaundi account yedu.
Deredza nguva dzakatarwa
Sisitimu isingambokundikana kubhadhara mari shoma mune ichi chemari chigadzirwa ine kondirakiti regeji ine pfupi pfupi mamiriro ezvinhu. Kunyangwe iyo yekubhadhara pamwedzi ichave ichinyanya kuda kubva pakutanga, pakupedzisira tichazobhadhara mari shoma mubereko. Nepo kune rimwe divi, danho redu rechikwereti richadzikiswa. Pakati pezvimwe zvikonzero nekuti tichagadzirisa chikwereti nekufungidzira kukuru. Unogona kunyorera kusvika kumakore gumi, gumi nemashanu kana makumi maviri zvinoenderana nezvido zvevanonyorera. Kuve imwe nzira chaiyo yekubhadhara mari shoma yekuhaya iyi modhi yekubhadhara imba.
Nepo kune rimwe divi, isu hatigone kukanganwa panguva ino kuti ipfupi izwi mune regeki inogadzira zvimwe zvinowedzera. Semuenzaniso, ye tsvaga rumwe rudzi rwezvikwereti: yekushandisa, vanhu kana kutenga kwechinhu chakanaka. Kana izvo zvakafanana, uchanyatso isa chikwereti ichi chinotora makore mazhinji kudaro parutivi kunyorera imwe ine shoma nguva munguva. Beyond imwe nhevedzano yehunyanzvi yekutarisa iyo ichave iri nyaya yerumwe ruzivo.
Ivo havape iyo yakazara kuongororwa
Izvo zvakakoshawo kuti uzive kuti panguva ino mabhanga haachakupa 100% yehuwandu hweiyo yekutengesa zvivakwa. Asi uchafanira kuzvigadzirisa 70% kana 80% yekuvhiya mune yakanakisa kesi. Ichi chinhu mukuita zvinoreva kuti kubva ikozvino zvichienda mberi iwe unofanirwa kuve nesimba rakakura rekuchengetedza kuzadzisa chinangwa chako chepedyo, izvo hazvisi zvimwe kunze kwekutenga iyo imba yawakafarira zvakanyanya.
Kana zvisiri, hauzove nemukana wekuita chibvumirano neako akajairika bhangi. Nekuti ini ivo vacharamba chikumbiro iyo iwe yaunopa kusaina mutengano wekutengesa. Izvi ndizvo zvinhu, izvo muchidimbu, iwe unenge usina imwe sarudzo kunze kwekuzvitora kubva izvozvi kuita contract yembairo yechikwereti. Chero hupi hupfumi hwaunopa semumhan'ari. Kana izvo zvakafanana, uchanyatso isa chikwereti ichi chinotora makore mazhinji kudaro parutivi kunyorera imwe ine shoma nguva munguva. Beyond imwe nhevedzano yehunyanzvi yekutarisa iyo ichave iri nyaya yerumwe ruzivo.
Chiyero chekufarira pazvikwereti
Huwandu hwezvikwereti zvakagadzirwa mudzimba ndeye 30.716, 15,8% kupfuura munaKurume 2018, sekureva kweazvino zvakapihwa neNational Institute of Statistics (INE). Iko kunoratidzwa kuti avhareji yemari iri 125.341 euros, iine 3,9% kuwedzera. Ivhareji huwandu hwezvikwereti zvakanyoreswa mumidziyo yezvivakwa munaKurume (kubva kuruzhinji rwemabasa akaitwa kare) ndeye 146.544 euros, 6,9% yakakwira kupfuura iwo iwo mwedzi muna 2018.
Chirevo cheINE chinoratidza zvakare kuti kunezvikwereti zvakagadzirwa pane huwandu hwezvivakwa munaKurume, mhando ye avhareji yekufarira pakutanga ndeye 2,58% (2,3% yakaderera kupfuura Kurume 2018) uye avhareji temu yemakore makumi maviri nematatu. 23% yezvikwereti zvemari zviri pamutengo wakasiyana uye 60,6% pachiyero chakatarwa. Ivhareji yemari yemubhadharo pakutanga ndeye 39,4% yemitero inowirirana (2,27% yakaderera pane munaKurume 7,1) uye 2018% yemitero yakatarwa (3,24% yakakwira).
Nepo kune rimwe divi, muzvikwereti zvakagadzirwa mudzimba, avhareji yemari yekufarira iri 2,62% (0,1% yakakwira kupfuura munaKurume 2018) uye avhareji term yemakore makumi maviri nemana. 24% yembageji yemba iri pamwero wakasiyana uye 58,1% pamutengo wakatarwa. Yakagadziriswa mwero mogeji yakasangana neyegore mwero kuwedzera kwe41,9%. Ivhareji yemari yemubhadharo pakutanga ndeye 24,5% yezvikwereti zvemumba pamisha inoyerera (ine kuderera kwe2,34%) uye 2,7% yezvikwereti zvakatarwa (3,11% yakakwira).