Chimwe chezvigadzirwa chiri kuvandudza musika wekupa mari yakazvimirira zvikwereti zvinokurumidza. Iyo yemhando ichangoburwa yemhando ine akateedzana eakanyatsotsanangurwa-hunhu hunhu hwaunofanira kufunga nezvazvo mukati memwedzi mishoma inotevera iwe wakatarisana nekudiwa kwekuvashandira. Saka kuti iwe ugone kuita sarudzo kwayo, isu tinokubatsira iwe kuti uzive zvirinani zvirinani zvigadzirwa izvi zvakagadzirirwa mari yevanhu.
Chekutanga pane zvese, iwe unofanirwa kuziva kuti iyi kiredhiti yezvikwereti inonyanya kutengeswa neasina-bhangi emari masangano Ivo vanoisa zvavanopa pakupa mutsara wechikwereti uyo mabhangi asingasvike kuburikidza neichi chigadzirwa. Asi izvi kwave kuiswa kwayo munzvimbo yemunyika, kuti inopihwawo nesarudzo yakakura yepamhepo inokurumidza zvikwereti mapuratifomu avo vafunga kubatana pamwechete kusimudzira ichi chikumbiro. Iine akateedzana emamodeli anowedzera kukwikwidza, uye wadii wataura, zvakare ane hukasha. Neshoko rezvokutengeserana rekutenderwa nekukurumidza.
Mhinduro yemabhangi echinyakare haina kutora nguva yakareba kuti iuye uye kuzorwisa vakaparura nhevedzano yezvikwereti zvakajairika, asi izvo zvinoenderana neiyi nzira nyowani. Vanotongwa pasi pematanho akafanana kupfuura avo maererano nemamiriro avo. Mune ino kesi, iyo inokurumidza kiredhiti ishoma, asi zvinogona kuve zvinonakidza iwe kwauri izvo zvavakakugadzirira iwe kuti iwe ugone kubhadharisa zvimwe zvemari kana zvaunoda izvo zvaunazvo kubva ikozvino zvichienda mberi. Chero zvazvingaitika, hauzorasikirwa nezvikumbiro uye pasi pemaitiro akasiyana maringe nemvumo yavo.
Ndezvipi zvinokasira kukurumidza?
Mhando iyi yemari inosiyaniswa nekuti inokupai madiki mari pasi peakakosha uye akasanotsanangurwa mamiriro ekubvumirana. Kuburikidza nezvikwereti izvi, vanyoreri vanogona kuwana kusvika pamazana mazana mapfumbamwe emamiriyoni anenge. Iwe unogona kugovera izvi zviyero kune chero chaunoda. Bhadhara mari yako yemumba (magetsi, mvura, gasi, foni, nezvimwewo), zvikwereti zvakaitwa nevechitatu kana kunyangwe kutevedzera zvaunosungirwa mutero. Hazvishamise kuti ivo havazoda kuti iwe uvashandise kune chimwe chinangwa, sezvinoitika neimwe mitsara yechikwereti. Asi vanoshumira chero kudiwa.
Kana izvi zvikwereti zvakasiyaniswa nechimwe chinhu, imhaka yekuti zvinopihwa nekukurumidza kukuru. Pasina anodarika maminetsi gumi unenge uine mari muaccount yako yekuishandisa nenzira yaunofunga yakakodzera. Maitiro aya anokurumidza zvekuti iwe uchaziva mumaminetsi mashoma kana iwe ukasangana nezvinodiwa kana kwete kuti vakupe kwauri. Kubva nemaonero aya, iyi ndiyo mhinduro yauinayo kana wakatarisana nekudiwa kwekukurumidza kwemari. Pasina kumirira kwenguva refu kusvikira vazokupa iwe.
Chimwe chinoshamisa ndechekuti, kazhinji, ivo vari online. Izvo zvakagadziriswa kuburikidza neinternet, pasina chikonzero chekupa hapana mhando yegwaro semubhadharo kana chibvumirano. Pasi peiyi nzira yekutengesa, ivo vanove chishandiso chinobatsira zvakanyanya kudiwa kwekubhadhara mari. Zvakare, zvinonyatsogadzikana kubva kumba kana kumwe kunhu. Pasina kushanyira chero bazi kutsigira chibvumirano. Kuburikidza neyakareruka fomati kubvumirana ichi chemari chigadzirwa.
Zvinodiwa pakubvumidzwa kwayo
Zvikwereti zvinokurumidza zvinoratidzwawo nemamiriro azvo ekubvumirana. Maitiro ekushandisa kwako anoshanduka uye nemaitiro mashoma ehurongwa. Asi hapana zvazvinoreva kuti chichava cheki isina chinhu, nekuti hachisi chokwadi. Ichokwadi kuti mune akawanda ezvaanotaura hazvina basa kuti iwe ubhadhare muhoro kana pension. Asi mukudzoka ivo vanozokumbira kuti iwe uve nemari yakatarwa inopindura kupihwa kupi kwechikwereti. Kunyangwe kubva kumamwe masangano echikwereti vangangoda kutsigirwa kwemumwe munhu kana vimbiso yechinhu chakanaka, sechivimbiso chebasa rauchazosaina panguva iyoyo.
Kana iwe uchida kugamuchira kwavo kupihwa, ivo vanongoda iwe kuti ugone zadza mubvunzo wemibvunzo uri nyore. Hazvitore anopfuura maminetsi gumi kuti uipedze. Uye zvakare, vatengi vanoda kudzokorora mashandiro havachadi kuita ichi chikamu cheichi kubva kuchikumbiro chechipiri. Neiri iko kugona kunenge kuchinyanya kushamisa. Kupa dzakateedzana mhinduro dzinoenderana nezvinodiwa nevatengi.
Kusvika padanho rakadaro rakasvika kune hukasha mukutengesa kwayo kuti mune mamwe mafomati vanhu vanoverengerwa muzvinyorwa zvevadariki (RAI, ASNEF, nezvimwewo). Kana zvikwereti zvinokurumidza zvikaongororwa kubva pano, pane chimwe chinhu chakanaka chinopedzisa kupihwa. Izvo hazvisi izvo zvimwe kunze kwekuti akateedzana evanhu vane mashoma mimwe mitsara yechikwereti inobvumidzwa nemabhangi anokwanisa kuwana aya mareti. Pakati pavo, vasina mabasa, vashandi vanobhadhara mari shoma uye mune zvimwe zviitiko kunyange vadzidzi vanoda kubhadhara zvavanoda kutanga.
Mari dzinoshandiswa mukushanda
Kubva panguva ino, panowanikwa nyore, zvinoramba zvichizivikanwa kuti mutengo wekupedzisira uchave wekuti chikumbiro ichi chinosanganisirei. Mukana wakakura weizvi zvigadzirwa zvemari ndezvekuti zvinowanzo gadzirwa kusunungurwa kubva kune chero rudzi rwemakomisheni kana zvimwe zvinoshandiswa mukutarisira kwayo. Kwete yekuvhura, kudzidza kana kutanga amortization, ingave iri chikamu kana yakazara. Kusiyana neyakajairika kiredhiti mitsara iyo inosanganisa iwo avo akajairika mamiriro.
Nharaunda yekufarira: yakakwira
Mari yezvikwereti zvekuratidzira haina kuganhurirwa mune yezvazvino kupihwa. Asi pane zvinopesana, zvinosiyana zvichienderana nemhando imwe neimwe uye nemamiriro anoiswa nemasangano emari anovaburitsa. Nekudaro, hapana akagadziriswa zvikamu zveizvi zvigadzirwa. Ivo vanofamba mune yakasarudzika mutsetse iyo inoenda kubva ku12% kusvika pa25%. Uyu ndiwo mutsetse wakakura kwazvo wezvemari pane uyo unogadzirwa kuburikidza nezvikwereti wega, zvekushandisa kana zvimwe zvinangwa izvo mabhanga anga achikurudzira.
Chero zvazvingaitika, iwe une dzimwe nzira dzekutengesa dzekupedzisira kudzikisa mutengo muzvibvumirano zvako. Imwe yadzo ndiyo inowanzo shandiswa nemabhangi kuburikidza nekuvimbika kwevatengi. Sisitimu yayo yakavakirwa pachokwadi chekuti sezvo iwe wakanyorera zvimwe zvigadzirwa nesangano (mari yekudyara, zvirongwa zvepenjeni, kutarisa maakaunzi kana inishuwarenzi), marangi emubereko anoderedzwa. Kusvika wasvika bhonasi yepamusoro pakati peimwe kana maviri muzana mapoinzi. Saka zvino zvinoreva kuwedzera mukuchengetwa kwemaeuro mashoma mukuita kwega kwega, kwaunogona kugovera kune zvimwe zvinodiwa muhupenyu hwako.
Mapuratifomu epamhepo, echikamu chavo, anokanganisa kuburitswa kwezvikwereti zvinokurumidza, asi zvakare mahara mune mamwe mamiriro chaiwo. Sezvinei, pasina kufarira kana makomisheni. Kunyangwe izvi kukwidziridzwa kuchiganhurirwa kune yakaderera mari yekupa. Pakati pe200 ne500 euros izvo zvinokurudzirwa mukubvumirana kwayo. Kuti uwane izvi mamiriro, kuiswa kuchazodiwa kubva pamapuratifomu aya ndechekuti ndiko kwekutanga kuda kwako. Kuve, mune chero mamiriro ezvinhu, yazvino nzira yekutengesa yekukwezva vatengi nyowani. Kusheedza kutariswa kwevanogona kunyorera.
Mazuva ekupedzisira ekudzoka kwako
Mitemo yekubhadhara yemakadhi echikwereti mazuva makumi matatu uye anowanzo sunganidzwa nerudzi rwe yakatarwa kufarira. Iwe uchagara uchifanira kubhadhara zvakafanana uye iwe unodzivirira kushamisika pamwe nekunyorera kwako. Zvisinei, pane mukana wekudzima chikwereti kare. Iye anowana haazofaniri kutakura chimbadzo, unova mukana wakakura.
Kana mabhenefiti ese anokurumidza kupihwa zvikwereti iwe waongororwa, sarudzo yekupedzisira inoenderana newe. Iwe uchafanirwa kupa huchokwadi kana kwete kune ayo mamiriro pasi pechisarudzo uko kwainofanira kukunda kana iwe kurongeka kwayo kunobatsira. Zvakare kana chichava chiitiko chinobatsira zvakanyanya pane zvaunofarira zvichienzaniswa neimwe mari: makadhi echikwereti, kuburikidza nemubhadharo wako kana nezvibvumirano zvinobva paInternet.