Zviri nyore here kwandiri kuti ndibate mwero wakadzika pamusika wemasheya?

Chimwe chezvinhu zvisingazivikanwe zvigadzirwa pamusika wemasheya nevashambadzi vadiki nepakati hapana mubvunzo kuti imari yakadzika yekutengesa pamusika wemasheya. Iko, sekuratidzwa kwezita rayo, mubhadharo uyo unofanirwa kubhadhara iyo mari izvo zvinosanganisira kufamba mumisika yemari. Sezvinei, inoshanda pakutenga nekutengesa masheya muhomwe. Kazhinji mabhengi uye mapuratifomu emari anoishandisa kwauri pauwandu hwawakapa kune yega yeaya mashandiro. Naizvozvo, hazvisi zvakafanana nguva dzese uye uchafanirwa kuzvidzokorora pese paunopinda kana kubuda mumisika yemari.

Pese paunotenga kana kutengesa boka remasheya, unenge wave waona kuti yako yakajairika bhangi ichave yakubhadharisa iwe mari yekuita mafambiro aya. Nekushanda kweanosvika zviuru gumi euros, mutengo unoshandiswa nemasangano emari kwauri uri pakati pe10.000 ne15 euros, zvinoenderana nekuti ndiani akagadzirisa uye kana iwe wakagamuchira chero rudzi rwekupihwa kana kukwidziridzwa. Icho chitsama chakazotevera iwe uchafanirwa kuitora kubva kune izvo zvinogona kubatsirwa izvo zvinounza mashandiro mumusika wemasheya. Kwete zvisina maturo, iwe unofanirwa kuzvitora mune account kuti uzive kuti iyo purofiti yemari yako ndeyei.

Kana iwe ukaita mashoma kwazvo ekutenga nekutengesa mashandiro pagore, yako kushandisa kunenge kuri pachena zvishoma uye hakuzokanganisa ako wega maakaunzi. Asi kana, kune rimwe divi, iwe uri mumwe weavo vatengesi vanotarisana nemabasa mazhinji pamusika wemasheya mwedzi wega wega, hapana mubvunzo kuti mari idzi dzinova sosi yemari dzinokuvadza zvakanyanya. Kusvika pakukanganisa mashandiro emari muzvikwereti. Zvisinei nehuwandu hwayo. Ndiyo panguva ino chaiyo apo izvo zvinodaidzwa zvakati rebei zvinogona kukubatsira uye kusvika padanho rekuti iwe uchachengetedza imwe mari mukushanda uye pamwe kusvika padanho iwe rausingafungidzire.

Flat rate: ndezvipi zvakanakira?

Kubva pane ino yakajairika mamiriro, hapana mubvunzo kuti yakadzika mwero pamusika wemasheya iri chaizvo zvinogutsa kudzivirira zvaunofarira sevashambadzi vashoma. Kunyanya nekuti iwe unozogona kuita zvisingaite mashandiro uye pasina chero rudzi rweyero ratidziro. Asi zvinowedzerwazve neimwe nhevedzano yemabhenefiti iwe aunofanira kufunga nezvayo kubva zvino zvichienda mberi. Uye pakati padzo zvinotevera kumira:

• Inokupa iwe ne rusununguko rukuru uye kushanduka kushanda mumisika yequity uye zvisinei neicho chimiro chaunounza semudyari mudiki.
• Kubva panguva yaunobata yakadzika mwero yekushanda pamusika wemasheya, haufanire kunetseka nezve mari izvo zvichagadzirwa kubva mukufamba kwako mumisika yemasheya. Iwe hauzove nechimwe chinangwa kunze kwekuita zvakanyanya pane ese mashandiro aunoita pasi peiyi nzira yekutengesa.
• Unogona kusarudza yakadzika mwero zvichienderana nemisika kwaunowanzo shandiswa kuisa mari. Ndokunge, kana iwe uchizvisarudzira wega kumisika yenyika kana kana, pane zvinopesana, ako emusika wemasheya zvaunofarira zvinopfuura kupfuura kwedu miganhu.
• Uyu mutengo waunogona amortize nemabasa maviri kana matatu chete muhomwe. Semhedzisiro yechiitiko ichi, kunyorera yakadzika mwero ichave basa rinobatsira mukudzivirira zvaunofarira.
• Zvakare hazvifanirwe kukurudzira iwe kuti uite mamwe mashandiro kupfuura anodikanwa. Kana zvisiri, pane kudaro, kutora mukana webhizinesi mikana inomuka mumwedzi inotevera. Kuziva nguva dzese kuti yako manejimendi mari haizowedzerwa pasi pechero mamiriro.
• El kuchengetedza kuti iwe unotanga kuona pakupera kwegore zvingakushamise iwe pachako. Kwete pasina, iwe uchaona kuti kune mari yakawanda muakaundi yako yekutarisa yaunogona kugovera kune zvimwe zvido kana kutobhadhara iyo isinganzwisisike zvishoma yako whim.

Ndekupi kupi chibvumirano ichi chigadzirwa?

Ehezve, chikamu chakanaka chemasangano emari chinotova nechigadzirwa chehunhu uhwu. Iko mapuratifomu ezvemari anowanzo kuverengerwa uye pamwe kunyangwe kuburikidza nechisimba chaizvo chekutengeserana chinopa icho chinoita kuti iwe utore sarudzo yako yekupedzisira Kune rimwe divi, aya marudzi emitengo akakodzera kwazvo kune venguva dzose vatengesi. Ndokureva, kune vese avo vanoita zvakapfuura zviviri kana zvitatu zvekushambadzira pamusika wemasheya pamwedzi. Kana iyi iri nyaya yako chaiyo, chii chauri kumirira kuti chigadzirise sevhisi nyowani yevarimi? Iwe hauna chaucharasikirwa nacho uye hongu, yakawanda kuti uwane, senge ine mari kubva panguva iyoyo zvichienda mberi.

Chinhu chega chinodikanwa chekuti iwe umhan'arwe kubva kubhangi rako rakajairika ndechekuti iwe uri mutengi uye une account yekuchengetedzwa yakapihwa chibvumirano, hapana chimwezve. Kubva panguva iyoyo chinja mitengo yemabasa ako akaitwa mumisika yemari. Ichave shanduko huru asi kune zvirinani kubvira chiyero ichi hairevi zvimwe zvekushandisa mukutungamira kwayo kana makomisheni. Iwo mutengo wakatarwa wauchazosangana nawo mwedzi wega wega. Kunyangwe kana panguva iyoyo iwe usati waita chero kufamba mumusika wemasheya. Iyi ndiyo hwaro hwehurongwa hwako uye zvirokwazvo unofanirwa kuigamuchira kuti uvandudze purofiti yekutengesa.

Vanoshanda mumisika yepasi rese here?

Ehe chirongwa chehurongwa isina kuganhurirwa kumisika yepamba chete muhomwe. Kana zvisiri, iwe unogona kuzvivhura iwe kune dzimwe nzvimbo dzenyika dzese. Kunyangwe mune ino kesi, mitengo yacho ichave ichinyanya kuda, sezvo kune rumwe rutivi zvine musoro kunzwisisa. Kubva pane iyi nzira yakajairika, zviri nyore kuti iwe usakanganwe kuti aya mitengo haachinjike kubva mukuita kwavo. Ivo havazokwanise kukwira kana kudzika zvichienderana nedzimwe tsika dzaunopa semutengi mukirasi ino yezvigadzirwa zvakagadzirirwa kudyara. Kune rimwe divi, ivo havangade mamwe mahukama nesangano kwawakasimudza.

Chimwe chinhu chinofanirwa kuongororwa ndicho icho chine chekuita neiyo nguva yekugara. Isu hatisi kutarisana neyakaenzana flatti mbozhanhare sezvo isu tajaira kusvika zvino. Kana zvisiri, pane kudaro, ndeyekuisa mari mumusika wemasheya uye nekudaro inotongwa nedzimwe nzira dzakasiyana zvachose. Nekuda kweizvozvo, kana paine mashandiro mazhinji anoitwa, zvese zvekutenga nekutengesa, mumisika yepasi rose pane zvimwe sarudzo dzekuita kuti mari ibatsire. Chero izwi ravanonyorerwa.

Mitengo yemitengo yekuchinjana

Chimwe chezvinhu zvakakosha zvehurongwa hwemitengo pamusika wemari mutengo wavo chaiwo. Mupfungwa iyi, hapazovi nesarudzo kunze kwekusiyanisa mabasa emunyika kubva kune anoitwa munzvimbo dziri mhiri kwemiganhu yedu. Pane yekutanga yavo ivo vanodzorwa nemabhizimusi margins ayo oscillate pakati pe 20 ne30 euros, zvinoenderana nezvakapihwa uye kukwidziridzwa kunoitwa nemasangano emabhengi uye mapuratifomu ekudyara edijithali. Vanenge vese vanofamba pasi pemakambani emakontoni akafanana zvakanyanya kune mumwe nemumwe uye pane sarudzo yemushandisi wemusika wemasheya zvinoenderana.

Nezve mashandiro epasi rose equity, zvine musoro kuti mutengo wavo wese wakanyanya kukwirira. Kusvika pamwero iwo mwero wavo unokwanisa swedera pedyo ne50 uye 60 euros. Kureva, zvakapetwa kaviri, asi nemukana usingarambiki wekuti nzira dzekudyara hupfumi hwako dzinowedzerwa. Muzviitiko zvese izvi, ivo vane mabhenefiti akafanana uye masevhisi mukushanda kwemusika wemasheya. Nemusiyano chete weganhuriro dzenzvimbo, hapana chimwezve. Mupfungwa iyi, zvichave zvakafanira kuongorora izvo chaizvo zvinodikanwa zvevashambadziri vadiki nepakati kuti vasarudze imwe kana imwe modality.

Flat rate mabhenefiti

Mune chero zviitiko zvacho, mitengo iyi inofungidzira akateedzana mabhenefiti senge atinofumura anotevera:

1. Ivo vanobatsirwa pamusoro pezvose huwandu hukuru hwemabasa akaitwa, zvisinei nekuti ivo vari kutenga kana kutengesa. Izvo ndezve kudyara mari.
2. Kune zvakawanda zvinopihwa zveaya maitiro uye izvo zvinobvumidza mushandisi iye amene kusarudza mwero unokodzera zvakanyanya chakuumba kune yako nhoroondo semutengesi wekutengesa.
3. Iwo ndiwo mareti ayo havana chero nguva yekugara zvachose. Ndokunge, iwe unogona kubuda mavari chero nguva uye mamiriro. Pasina kuranga mukana uyu wekusiya iwo mwero wehurefu.
4. Kunyange iri chaizvo inobatsira pane zvaunofarira, uchafanirwa kuongorora kana iwe ukanyatso shandisa mashandiro akati wandei pamwedzi. Nekuti dai zvisiri izvo hazvikubatsire chero chinhu uye iwe zvakare uchashandisa imwe mari zvisina basa. Uye zvechokwadi zvinhu hazvisi zvekutambisa mari.
5. Iri izano riri kuwedzera kushandiswa nevashambadzi vane Hukuru ruzivo mumisika yemari. Hazvishamisi kuti ivo vanoziva nezvese zvinodhura izvo nzira yavo kune yakaoma nyika yemusika wemusika inosanganisira.
6. Uye pakupedzisira, haufanire kusarudza yekutanga flat rate iyo inouya kwauri, asi pachinzvimbo iwe unofanirwa kudaro vaongorore zvakadzama kutarisa kuti ndeipi inonyanya kukodzera pane zvaunofarira.