Sezvaunonyatsoziva, mabhangi anopa marudzi akasiyana emaakaundi kuti agadzirise zvirinani kune zvinodiwa nevanhu. Ehe, nguva dzose kutevedzera zvimwe zvinodiwa zvakatemwa nebhangi. Muchikamu chino tichataura zvakananga nezveakaundi yechikwereti. Izvi zviri kufamba zvakanaka kune vanozvishanda uye vezvemabhizimisi, sezvo zvichivabvumira kuwana mari kuti vakwanise kuita mamwe mabhadharo anobva muzviitiko zvisingafanoonekwi.
Kana iwe uri kufunga kuvhura account yechikwereti, ndinokurudzira kuti uenderere mberi nekuverenga. Tichatsanangura kuti rudzi urwu rweakaunti chii, rinoshandisirwa chii, zvakanakira nekuipira chii, uye kuti yakasiyana sei nechikwereti. Ndinovimba ruzivo urwu runobatsira kwauri.
Chii chinonzi account yechikwereti?
Tisati tapinda mune zvakadzama, ngatitangei tapindura mubvunzo mukuru: Chii chinonzi account yechikwereti? Zvakanaka, imhando yeakaundi yebhangi inobvumira vanozvishandira kana kambani iri mubvunzo kugamuchira imwe mari yekukwanisa kutarisana nekubhadhara kwakasiyana-siyana kune chekuita nekutengeserana mabasa. Mari iyi yakabvumirana kare nebhanga.
Chinangwa chikuru chechibvumirano ichi pakati pebhangi nechikamu chiri mubvunzo ndechekuti chekupedzisira inokwanisa kugadzirisa chero matambudziko emari angangove nawo nekukurumidza sezvinobvira, kungave nekuda kwekushaikwa kwemari kwechinguva kana nekuda kwezviitiko zvehupfumi zvisingafanoonekwi, izvo zvinogona kuisa mungozi chimiro chemari chekambani yakataurwa.
Kufarira uye makomisheni
Ehe, mabhangi haapi rudzi urwu rweakaundi pasina kukumbira chero chinhu mukudzoka. Kuzvichengeta Iwe unofanirwa kubhadhara zvakasiyana-siyana zvido uye zvakare makomisheni. Ngatitangei titaure nezvemhando dzekufarira dzine chekuita nemaakaundi echikwereti:
- Zvido zvemukwereta: Chibereko chechikwereti chinoshandiswa mumamiriro ezvinhu apo iyo account iri mubvunzo ine chiyero chakanaka. Mune mamwe mazwi: Ndizvo zvaunofanira kubhadhara kana iwe ukashandisa mari yakawanda kupfuura yakabvumirana kare.
- Debtor interest: Rudzi urwu rwemubereko rwunoshandiswa pakushandisa mari yakakweretwa nesangano rebhangi zvinoenderana nenguva yekupihwa.
Kunze kwezvido zvatichangobva kutaura nezvazvo, iwe unofanirwa kubhadharawo makomisheni ane chekuita nemaakaundi echikwereti, uye aya vanogona kunge vakakwirira. Kazhinji, mabhangi anobhadharisa zvinotevera:
- Kuvhura komisheni: Kazhinji, komisheni yekuvhura inowanzosvika pakati pe0,25% ne2% yemuganho wepamusoro wakabvumiranwa nebhangi.
- Availability Commission: Ichi ndicho chikamu chinoiswa pamari inokwanisa kuraswa kana yasvika nguva yekugadzirisa chimbadzo. Mune mamwe mazwi: Ndiyo mari inochajwa nebhangi kupa iyo yega kushandiswa kwemari yakakumbirwa. Panguva iyoyo, mari iyoyo haigone kushandiswa nemumwe munhu. Kazhinji, komisheni iyi iri pasi pe0,1%.
- Komisheni yekuwedzera kwemari: Haasi mabhanga ese anobhadharisa mubhadharo uyu, asi mamwe anoita. Zvakanakira kuzvizivisa pachako uye kuverenga ese mamiriro zvakanaka.
Ko account yechikwereti inoshandiswa nei?
Sezvatakambotaura kare, kiredhiti account inobatsira zvikuru kune vanozvishanda uye makambani kuti ave nemari iripo kana akatarisana nemari isingatarisirwe kana yekutanga mari, ndiko kuti, mari dzavanadzo vasati vawana mari. Kushanda kweakaundi yerudzi urwu kuri nyore kwazvo: Bhangi rinopa mari yakabvumiranwa kumutengi, anowanzo kuzvishandira kana makambani. Zviri pachena, mutengi anofanira kudzorera mari iyoyo mukati menguva dzakatarwa. Kazhinji, izwi rinowanzova pakati pemwedzi mitanhatu negore rimwe.
Kufunga nezvazvo, iyo account yechikwereti yakafanana neakaundi yekutarisa, chero bedzi chiyero chayo chinoramba chiri chakanaka. Sezvakaita neakaundi yazvino, zvakare nekadhi rechikwereti iwe unogona kunanga mari kana marisiti, kutumira, uye mamwe mabasa anowanzo.
Kubatsira uye kusagadzikana
Tevere tichazotaura nezve yakakosha musoro weaccount account: Zvakanakira nezvayakaipira. Ehe saizvozvo Chinhu chayo chikuru mukufarira ndechekuti kambani inogona kuve nemari yekuvhara mari yekukurumidzira uye isingatarisirwe, sezvo zvingava semuenzaniso shanduko. Asi kunze kweiyi mukana mukuru, pane zvimwe zvatinofanira kusimbisa:
- Kukuru kuchinjika maererano nemhindu uye zvirevo zvekugadzirisa.
- Kunyanya njodzi yekusabhadhara kune vashandi.
- Zvimwe zvekubhadhara vatengesi uye kudzivirira chikwereti.
- Basic operation: Inotaridzika kunge account yekutarisa. Kuburikidza nemhando iyi yeakaundi iwe unogona zvakare kubata zuva nezuva mari yekambani.
Nekudaro, account yechikwereti inewo zvipingamupinyi zvakawanda Chii chatinofanira kufunga nezvacho:
- Zvakanyanya kuomarara kuvhura rudzi urwu rweakaundi pane yekutarisa account, semuenzaniso.
- Iwe unofanirwa kuratidza kuti une solvency yemari yakakwirira zvakakwana kubhadhara mari. Nechikonzero ichi, makambani achangobva kugadzirwa kana makambani anga aine nhamba dzisina kunaka kwemakore akati wandei zvinonetsa kuwana account yechikwereti.
- Iyi mhando account Haina kuratidzwa kune avo vanhu vasingaone-pfupi (Hatifanire kukanganwa kuti vanochaja komisheni yekuwanikwa, kureva kuti, vanochaja chete nekuti iyo mari inowanikwa kune iyeye munhu chaiye).
Ndeupi musiyano uripo pakati pechikwereti nechikwereti?
Zvakajairika kuti vanhu vakawanda vafunge kuti chikwereti nechikwereti zvakafanana, asi handizvo zvazviri. Musiyano mukuru pakati pepfungwa mbiri idzi ndiko kwainoenda mari. Kazhinji, mari inowanikwa kuburikidza nechikwereti inoshandiswa kutenga zvinhu, zvakadai seimba kana motokari, nepo akaundi yechikwereti inoshandiswa kubhadhara mari yekambani. Inofanirawo kucherechedzwa kuti mari inogamuchirwa mune imwe chete kana chikwereti chikakumbirwa. Kune rimwe divi, muakaundi yechikwereti hatifanirwe kugamuchira zvese kamwechete.
Sezvauri kuona, account yechikwereti isarudzo yakanaka kune makambani uye mafreelancers. Saka kana isu tichifunga kugadzira kambani, zvakakosha kukumbira ruzivo nezve mamiriro emhando iyi yeakaunti kubva kumabhangi akasiyana.