Iyo mogeji chigadzirwa chebhangi icho chauchazombofanira kurarama kamwe muhupenyu hwako. Ndicho chishandiso chaunacho kuti uwane imba iyo yawakafarira zvakanyanya. Uye izvo zvinoda kuburitswa kukuru pachikamu chako, uye izvo inogona kusvika pamwero unosvika mazana matatu ezviuru euros, zvinoenderana nemhando yepfuma yakasarudzwa kuita mashandiro nebhangi. Iye anozoda iwe kuti unogombedzera kufungisisa pane ake mamiriro, sezvo paine akawanda maeuro ayo angave ari panjodzi.
Chikamu chechikwereti chauchange uine chichava chakakosha kwazvo, kupfuura kuburikidza nemamwe marudzi ezvikwereti: chako pachako, kunwa, nezvimwe. Uye kune izvi zvese Iwe unofanirwa kuve unogamuchira zvakanyanya kune izvo mamiriro ayo bhangi auchamisikidza kwauri. usati wasayina chibvumirano. Wongorora uye woongorora gwaro nekuti mushure mekusaina, zvichanonoka kudzoka, uye unenge usina sarudzo kunze kwekutora zvese mamiriro azvo.
Chikwereti chemogeji chinotakura akawanda, pamwe akawandisa maitiro ayo anokuchengetedza iwe mune chikwereti kwemakore mazhinji, mazhinji makore. Unogona kusvitsa makore makumi matanhatu usina kuvhara iko kuvhiya. Nechikonzero ichi, zvakakosha zvakanyanya kupfuura mimwe mitsara yemari (zvikwereti zvemunhu, zvekushandisa, kana kutenga mota). Iwe haudi kusiya chero chinhu mukana, chokwadika, kana iwe usiri kuda kukudziridza dambudziko mumakore mashoma anotevera.
Zvibereko zvemitengo zvinozoita sarudzo
Chinhu chekutanga icho iwe chaunofanirwa kubhadhara kutarisisa kune iwo emari yemubereko iyo iyo bhangi ichazoshanda kwauri. Iwe unofanirwa kuwana semakwikwi sezvinobvira. Uye kuti iwe unogona kunyange kuita izvi nekubvumirana zvimwe zvigadzirwa nesangano rako (inishuwarenzi, zvirongwa zvekuchengetedza, mari yekudyara, nezvimwewo). Nenzira iyi iwe unozogonesa kuti iyo yekuregedza margins ari kudzika nezvikamu zvishoma zvegumi.
Kunyange zvakadaro, zano rakanakisa richava rekuita nhamba pane yako Calculator, uye unosvika pamhedziso yekuti unogona kutora chikwereti. Mune mamwe mazwi, hauzove nedambudziko kubhadhara iyo mogeji. Maitiro aya anogona kutora mazuva akati wandei, kunyangwe akareba kupfuura zvakafanira. Asi zvichave zvakakosha, sezvo mari iri panjodzi, uye iwe haufanire kusiya chero chinhu kune improvisation. Chingave chikanganiso chakakura kuti iwe uchafanirwa kuribhadharira mune ramangwana. Usakanganwe.
Izvo zvakare zvichave zviri nyore kwazvo kuti iwe uongorore zvinopihwa uye kukwidziridzwa izvo masangano emari anga achikurudzira neyakajairika nguva dzose. Kwete pasina, iwe unogona kusevha euros mazhinji kana iwe ukasarudza iyi nzira inobatsira. Uye sezvo chibvumirano chakagadzirwa chine nguva yakareba, mhedzisiro yacho ichave yakatonyanya kukura. Musiyano uripo pakati pezvinodiwa nemabhangi wakakosha kwazvo. Uye zvinoenderana neizvi kuti iwe unobhadhara zvishoma kana iwe wapedzisa kuvhiya.
Makomisheni uye zvimwe zvinoshandiswa
Chimwe chinhu muzvikwereti zvemari chakakoshesesa makomisheni uye zvimwe zvekuwedzera mari zvinomisikidzwa muzvikamu zvavo zvechibvumirano. Kana zvichikwanisika, saina kondirakiti yechigadzirwa chisingabhadharwe kubhadhara uku, sezvo uchizochengetedza mari yakawanda mumakore mashoma anotevera. Izvo zvikamu zvemari idzi zvinogona kusvika kusvika ku3% pamari yatengwa. Uye zvakawanda kana uchikwanisa kuzvichengeta kuburikidza neiyi nzira yekutengesa.
Chikamu chakanaka chezvaunogona kuwana panguva ino zvinogadzirwa pasina makomisheni, kana zvimwewo mari mukutungamira kwavo kana kugadzirisa. Edza nepese paunogona napo kuti sarudzo yako inopfuura nemumatanho aya, nekuti mabhenefiti auchakuchengetera mumakore anotevera achave akakura. Uye izvo zvabatanidzwa nemari yakanaka yemutero zvinobatsira kuve nemari yako kwenguva yakareba.
Iva nemari yekuchengetedza
Kana iwe uchizogadzira mari yechikwereti chemogeji mumwedzi iri kuuya, iwe unofanirwa kuziva kuti iyo nyowani tsika inotungamirwa nekusapa mari yemari yekutenga kweiyo nyowani imba. Vanozongokupa iwe ne75% kana 80% yebasa racho. Kune izvi, iwe uchave uine rakanyanya kana risingakoshi bhegi rekutsigira iwe mukuita. Iyo yakakwira iyo mari yauinayo, zvirinani kune zvaunofarira. Hazvishamise kuti iwe uchabhadhara mari shoma, zvese mukugadzirisa kwayo uye mukufarira.
Iyi nhanho iri kusimudzirwa nemabhangi inokanganisa danho rako rechikwereti kuti rive rakaderera. Ichi ndicho chishuwo cheBank yeSpain, iyo yakakurudzira kushandiswa kwechirongwa ichi kumabhangi pachawo. Zvisinei, pane hushoma huwandu iyo yausingazokwanisa kubvisa kana iwe uchida kuita mogeji kubva ikozvino. Iyo yakaiswa panenge zviuru makumi mashanu euros.
Mogeji nguva
Yaro yekubhadhara nguva ichave zvakare imwe yezvinhu zvinotarisa zvaunofanira kuzviseta iwe panguva yekusaina. Yakaenda nguva iyo iwe yaunogona kuigadzira irinani kwehupenyu hwese, ine yakanyanya mazwi anosvika makore makumi mashanu. Hapana chakafanana kubva padambudziko rezvehupfumi hwenyika dzese, uye semhedzisiro yeavo nguva dzakatarwa yakadzikiswa kusvika pamakore makumi maviri nemashanu kana makumi matatu semuganhu wepamusoro. Iwe unofanirwa kuchinjira kune zvako chaicho zvinodiwa kusarudza iyo inobatsira kwazvo nguva yezvido zvako.
Kana iwe ukanyorera kune akawedzera nguva, iwe uchafanirwa kufunga mari inodhura, asi mukutsinhana nekufanirwa kubhadhara huwandu hwayo kwenguva yakareba. Izvi mukuita zvinoreva kuti izvo zvinoshandiswa pakubhadhara mari zvakanyanyisa kukwirira. Uye zvinogona kunge zvisina basa kuti ugadzire ichi chigadzirwa chebhangi pasi pemamiriro aya.
Kana uchikwanisa, basa rinobatsira kwazvo ndere kuribhadhara kwenguva shoma. Ichokwadi kuti iyo fizi ichave ichinyanya kuda, asi nekuvhara oparesheni kare, uchafanirwa kubhadhara mari shoma. Uye pamwe nemukana wekuvhurika zvakare kune kondirakiti yemitsara mitsva yechikwereti. Kuti uvandudze imba yako, bhadhara rako rinotevera zororo, kana kutotenga izvo zvazvino mamodheru e audiovisual michina.
Zvakadiniko nechikamu chepasi?
Mushure mezvakaitika mumakore achangopfuura, iwe unofanirwa kuve nekuchenjerera kuti varege kukutengesera mogeji ine hunhu uhu. Neraki uchave uine nyore, sezvo mabhanga mazhinji vabviswa pane yavo yazvino kupa. Hazvishamisi kuti mamiriro ayo anokuvadza iwe zvakanyanya, kupfuura zvaungafunge pakutanga. Uye kuti ivo vaizoita kuti iwe ubhadhare imwe mari kupfuura inodikanwa izvozvi.
Iyi kirasi yezvigadzirwa zvemari yakatemerwa chimbadzo chemubereko chisingakwanise kudarika. Uye nekupihwa kudzikira kwenhoroondo mukushanduka kweiyo bhenji yekuyera yeEuropean, inozivikanwa seEuribor, zvakakutadzisa kubva kunhonga kudonha kwayo kwakakosha. Rangarira kuti parizvino uri mundima isina kunaka. Uye kana iwe wainge wakaronga chikwereti chemogeji nemamiriro aya, iwe waizofanira kubhadhara mari yakawanda kupfuura iwe yaunofanirwa muzvikamu zvepamwedzi.
Yakagadziriswa kana inowirirana chimbadzo
Ndiyo imwe yematambudziko yaunofanirwa kugadzirisa kubva zvino uchienda kusaina mogeji. Zvinoenderana nemamiriro emisika yemari. Ikozvino zvinonyanya kubatsira kuzvinyorera pamwe nemutengo wakasiyana wemari, pamberi pechikuva chakapihwa neEuribor. Asi kuve chikwereti chenguva refu, mamiriro ezvinhu aya anogona kunge asina kufanana mumakore mashoma, uye nekudaro, iwe haugone kuita kuti basa riite purofiti.
Ehezve, iyo yakatarwa kufarira inokutendera iwe kuti ugare uchibhadhara zvakafanana, usingafanire kunetseka nezve shanduko yemisika. Asi zvakare kupambadza ikozvino kubatana kwekubatana mune zvehupfumi. Iyo term kune yako yaunotora imba inotungamirwa ichave yakanyanya kusarudza kwesarudzo yako. Iwe hauzove nesarudzo kunze kwekutora nezvayo kukwidzirisa mashandiro nenzira yakanakisa.
Uye padanho rechitatu, pane iyo yakavhenganiswa zvikwereti, iyo inosanganisa yakanakisa uye yakaipa yemhando imwe neimwe. Uye izvo nguva pfupi yadarika zviri kukwidziridzwa kubva kumabhangi seimwe nzira yekubhadhara dzimba. Iwe unongova iwe chete unofanirwa kusarudza fomati yakanaka kwazvo mukudzivirira zvaunofarira. Uye ichi chinhu chichava chimwe chezvinyanya kukosha.
Matipi 8 ekutora chikwereti
Kana iwe uri kufunga kunyorera chero cheizvi zvigadzirwa zvemabhengi, hazvizombouya kwauri kuti iwe upinze akateedzana matipi ayo achabatsira kwazvo mukuita kwebhangi uku. Uye zvinogona kuona kuti iwe unokwanisa kusaina kondirakiti nekubudirira kukuru. Zvirinani iwe uri muchinzvimbo chekuzviedza, izvo zvisiri zvishoma, mushure mekuongorora hukuru hunhu hweizvi zvigadzirwa zvinodikanwa mudzimba.
- Zviri nezve dzidza zvese zvinopihwa nemabhangi kwauri, nekuti zvirokwazvo iwe unogona kuwana yakanaka kwazvo modhi yezvaunofarira semushandisi zvauri.
- Bvisa zvese zvekuwedzera mari izvo zvinosanganisira mogeji, kubva kumakomisheni avo uye kune zvimwe zvachose zvisina basa mari.
- Tarisa kumusoro fomula ye chiwedzere nekukurumidza, nekuti kuburikidza napo unenge uchive kubvisa mari yakakura, uye chii chakanyanya, kwenguva refu muhupenyu hwako.
- Verenga nokungwarira kudhindwa kwakanaka kwechibvumirano, kana mamiriro ezvinhu akaverengerwa ari madiki kana asingatombofadze kune zvaunofarira, uye izvo zvinogona kukusanganisa mukugadzwa kwebhizimusi re lousy.
- Kana iwe ukabvumirana nezvimwe zvigadzirwa zvebhangi unogona kuwana mogeji kiredhiti bhonasi, zvinoenderana nedanho rekuvimbika rauinaro.
- Zvibvumire kutorwa ne mamiriro anoratidza misika, sepasipoti kuti uwane mumamiriro ezvinhu akanakisa, uye uine mari.
- Iwo marongero echikwereti cheiyo kutenga imba yekutanga anogara achigutsa kupfuura epiri. Kana iyi iri nyaya yako, iwe unogona kutora mukana wekusimudzira kwakawanda kunogoneswa nemasangano emari.
- Ziva mabhenji eEuropean ari kuchinja sei, uye edza kurongedza ichi chigadzirwa zvichibva pane akanakisa mafambiro anounza nguva dzese.