Iyo bhalansi yegore rapfuura yakasiya hukuru hukuru hwekuvandudza chiitiko chebasa semunhu anozvishandira. Nekudaro, iyo Special Regime yeVanozvishandira Vashandi (RETA) yakavhara gore 2017 nekukura kwechikamu chehunyanzvi ichi neinenge 3% zvichienzaniswa negore rapfuura. Izvo zvinoonekwa kuti vazhinji vevanhu ava vakasarudza vhura kambani kana bhizinesi kubva kumabasa avo ehunyanzvi. Kuwana kukosheswa kukuru pakati pevechidiki, nekuvhura mikova mitsva yekuwana mukana webasa, nekuve rimwe remapoka uko kushaya mabasa kune chiitiko chakakura.
Hazvishamise kuti huwandu hwevechidiki kushaya mabasa pakupera kwa2017 i45%, sekureva kweLabour Force Survey, rakaburitswa neNational Institute of Statistics (INE). Kunyangwe zvichidzikira zvine chekuita ne2016, kupi vechidiki vari pasi pemakore makumi maviri nemashanu ekuberekwa avo vaive vasiri pabasa vaive pamusoro pematanho aya. Uye izvo pamwe nemweya wekutengesa wevamwe vavo, zvinokanganisa chishuwo chavo chekugadzira yavo kambani.
Mukati meichi chiitiko chakapihwa nemusika wevashandi vepasirese, kuwana a chikwereti yava imwe yeiyo zvinangwa zvekutanga zvevanamuzvinabhizimusi uye vashoma vemabhizimusi vanoda kusimudzira yavo yehunyanzvi chirongwa. Basa racho harisi nyore pane dzakawanda nguva, uko kushomeka kwezvipo, uye mamiriro anotyaira iwo mamodheru anoita kuti avo vanonyorera vasiye. Kungoti nekuti havagone kutora zvikwereti zvakagadzirwa kubva kune izvi zvikwereti.
Kambani yekutanga: ndeapi mamodheru?
Sezvo iri tambo yakasarudzika yechikwereti, inoda zvakare akasiyana mamiriro ekubvumirana, uko inogara ichiendeswa kuburikidza nema microcredits. Pakutanga, zvichave zvakakosha kupa chirongwa chinoshanda, icho chine mvumo yechinzvimbo chinoburitsa cheizvi zvigadzirwa. Ichokwadi kuti haapi mari inoshamisa, ine huwandu hunofungidzirwa yakatenderedza 30.000 euros. Mukutsinhana nekusimudzira nguva yenyasha inogona kusvika pakati pemwedzi mitanhatu nemwedzi gumi nemiviri. Iyo inguva yenguva iyo iyo muridzi anongobhadhara mubereko pasina kupa amortizing guta guru. Ivo anowanzo sunganidzwa kumitsara yemari kune vechidiki. Ndiine chinangwa chakanangana, icho chisiri chimwe kunze kwekuvabatsira kuti vadzokere vakasununguka pane zvimwe zvakaomarara kufunga.
Kubviswa kwemakomisheni avo (kudzidza, kuvhura, kubhadhara kwekutanga ...) ndeimwe yemamwe madhinominesheni ayo makadhi aya aripo nhasi. Vane nguva yekubhadhara iyo yakajairwa pamari idzi, ine yakanyanya term inosvika makore mashanu. Nekufarira kuti muzviitiko zvakawanda kuri pazasi peiyo 10% chipingamupinyi, uye izvo zvinogona kutodzikiswa nekondirakiti yezvimwe zvigadzirwa zvebhangi (zvirongwa zvepenjeni, inishuwarenzi, mari yekudyara ...). Seimwe yenhau dzinonyanya kukosha yeiyi yakasarudzika mutsara wechikwereti watiri kutaura nezvayo muchinyorwa chino.
Ivo vanopa kusvika makumi matatu ezviuru euros
Dambudziko rakakura rinowanikwa nevamabhizimusi vatsva nderekuwana sosi yemari yavanogona kududzira nayo mapurojekiti avo. Kuvabatsira kugadzirisa dambudziko iri, mabhanga akagadzira chinopihwa chakagadzirirwa chete kugadzira kambani yekutanga. Kuburikidza nemari inogona kusvika pamakumi matatu ezviuru euros, uye izvo zvinoratidzwa pasi pemafomati akasiyana maererano nemamiriro avo ekubvumirana. Zvisinei, kuburikidza nekutaurirana panguva yakakodzera margins aya anogona kupfuura kupihwa nemabhangi.
Chimwe chezvinhu zvakasaina kune ino yekutengeserana ndeye Unicaja kuburikidza neFirst Company Loan, iyo inoitirwa vechidiki vanochengetedza chimiro ichi kana vachinyorera kiredhiti kero. Chero zvazvingaitika, inozivikanwa nekuti mukati memamiriro ayo ekubvumirana inobvuma mukana wekudzora iwo emwedzi kubhadhara ivo avanofanira kubhadhara. Inopa huwandu hunosvika 80% yemari, ine yakakwira ye18.000 euros. Vagashiri vayo, kune rimwe divi, vanozove nenguva inosvika kumakore mashanu ekuiripa, zvinoenderana nezvimwe zviwanikwa zvemari yerimwe rakasiyana.
Chimwe chikumbiro chiri kuratidza kuve chakanakira kutumira mari iyi pakati pevatengi vane hunhu hunoshamisa hunobva kuna Banco Sabadell. Yakasarudza kupa iyo YeMabhizimusi Chikwereti, iyo inoshanda zvese kusimudzira ekuzvishandira-wega mapurojekiti uye akajairika mitsara yebhizinesi. Mune ino kesi, inopa mari kune rese kudyara. Kuverenga pane izwi rekudzoka kwaro kusvika pamakore mashanu. Iyo inosiyaniswa nekuti inofungisisa nguva yenyasha yemwedzi gumi nemiviri. Uye mune chero mamiriro ezvinhu pasi pekushandisa kwe kufarira kwakatarwa uye nemakomisheni akaderera.
Ikozvino kubhengi kupihwa kwevanamuzvinabhizimusi vatsva kunopedzwa neimwe modhi ine mabhenefiti akafanana uye ayo anogona kugutsa zvishuwo zvevanotsvaga mari. Iyi ndiyo Bhizinesi Chikwereti iyo ING Direct yakasimudzira kuitira kuti vechidiki mabhizimusi vagone kugadzira yavo yega bhizinesi. Kune vanozvishandira ivo vanogadzira iyo chimbadzo che6,95% NIR (7,18% APR). Uye pasina chero komisheni inogona kuwedzera mutengo wekupedzisira wechigadzirwa ichi, seimwe yemipiro yayo inoenderana nekupihwa kumakwikwi.
Microcredits kune vezvemabhizimusi
Microcredits zvikwereti zvidiki zvinoitirwa vanhu vane matambudziko akakura ekuwana nzira dzechinyakare dzemari. Kwete chete ivo vanotengeswa kuti vasangane nezvavanoda munharaunda, asi hwindo rakavhurwa kuitira kuti chikamu chehunyanzvi ichi chikwanise kuwana aya mamodheru, uye nezvakanaka zvikuru. Iyi ndiyo pfungwa yekuti Microbank yanga ichisimukira kwemakore akati wandei (bhanga rezvemagariro rakasarudzika mune izvi zvigadzirwa uye zvinoenderana naLa Caixa) kufambisa mvumo yavo. Inopa zvisina kujeka ma microcredits evamabhizimusi, ma freelancers uye madiki-mabhizinesi. Chimwe nechimwe chazvo chiri pasi pehunhu hwayo maererano nemamiriro ezvinhu mukuhaya.
Imwe yezvainofunga zvikuru inouya kubva kuMicrocredits yeVamabhizinesi, iyo yakanangana nenyanzvi uye mahara mahara mari yegore negore isingasviki 60.000 euros, pamwe nemabhizimusi madiki-ane vashoma vari pasi pegumi vashandi uye nemari isingasvike mamirioni maviri emadhora pagore. Iyo inopa iyo yose chirongwa, iine huwandu hwakawanda hwe10 euros. Inotengeswa neyekubhadhara nguva yemakore matanhatu, iyo inogona kuverengerwa, sarudzo, nguva yenyasha inosvika mwedzi mitanhatu. Uye mune chero zvazvingaitika, pasina chaiyo garandi, sechinhu chinogadziridzwa chinhu pakuvhurwa kwayo.
Ndezvipi zvinangwa?
Kana iwe pachako uine pfungwa yaunoda kukudziridza, unogona kukumbira imwe yeaya makadhi atakakuzivisa iwe. Nekuti iro dambudziko hombe kune vatsva vezvemabhizimusi ndiko kutanga kwavo sezvo kushomeka kwehupfumi zviwanikwa ndicho chimwe chezvipingamupinyi zvavo zvikuru. Kusvika padanho rekuti rinovaita kuti vasiye kuedza muzviitiko zvakawanda. Uine chinangwa ichi mupfungwa, iyi mitsara yakakweretwa yechikwereti yakagadzirwa iyo inogona kubatsira zvikuru kwauri pane imwe nguva muhupenyu hwako. Chero paine iwe unoenderana nemamiriro ezvinhu mukuhaya kwako. Nekuda kwechokwadi chiri kupihwa mukuwedzera kuri pachena kuSpain. Pamusoro pemamwe maitiro emari.
Muzviitiko zvese, kunze kwezvinodiwa zvinozodiwa kubva kumabhangi pachawo, zvakakosha kuti ratidza chirongwa chinokwezva uye chinokurudzira. Asi pamusoro pezvose zviri chaizvo uye vanoona kuti zviri nyore kuitika. Iyi ndiyo imwe yekiyi yekukupa iwe chikwereti cheaya maitiro. Kunyangwe kupfuura yako mhinduro yekudzosa iyo mari sezvo nguva dzakatarwa dzichigona kugadziridzwa zvichienderana nekuvandudzwa kwekambani yako kana mutsara webhizinesi. Icho chinhu icho chaunofanirwa kutarisira usati waenda kubhangi rako bazi kuti uwane mari inoenderana uye iyo inoiparadzanisa kubva kune mamwe akazara mitsara yechikwereti kana zvirinani zvisina kunyatso kujeka.
Bhenefiti mune iyi mari
Ehezve, izvi zvikwereti zvinopa akateedzana ezvakanaka izvo zvisipo mune mamwe emari mapepa anopihwa nemabhangi panguva ino. Kutanga, ivo vanokupa iwe zvivakwa zvakakura zvekubhadhara mari uye izvo zvinogoneka pamwe nekubatanidzwa kwenguva yenyasha inogona kuve inonakidza kwazvo kune yako hunyanzvi zvido. Kune rimwe divi, iwo makadhi anogona kutaurirana usati waasaina. Izvi zvinoreva kuti iwe uri mune yakakwana mamiriro ekuvandudza ako mamiriro. Zvirinani kubhadhara zvakanyanya kukwikwidza pamwedzi zviyero pane kubva kwayakatangira. Nebasa rakakosha kwazvo iro rinokubatsira iwe kugovera mari iyi kune zvimwe zvinodiwa mukuvandudza bhizinesi rako diki kana bhizinesi.
Iwe unofanirwa kusimbisa chirongwa chehunyanzvi kuti chikumbiro chibvumirwe. Kana zvirizvo, uchave nenzvimbo zhinji kumberi sezvo uchikwanisa kusarudza chimbadzo chemitero chidiki pane chavari kukupa kusvika zvino. Makomisheni anozovewo mashoma kuwedzera pane kuburikidza nemakadhi echikwereti kune vanhu kana zvirinani zvekushandisa. Nezvipi kuburikidza neiri zano rezvekutengesa iwe unogona zvakare kukurudzira kuchengetedza nenzira inogutsa kwazvo kune zvaunofarira. Uye pakupedzisira, ziva maitiro ekutaurirana. Nebasa rakakosha kwazvo iro rinokubatsira iwe kugovera mari iyi kune zvimwe zvinodiwa mukuvandudza bhizinesi rako diki kana bhizinesi.