Tiri kurarama kujairira mararamiro anoita kuti titore nguva dzose. Izvo hazvina basa kana zviri zvigadzirwa, masevhisi, kana nyore dzimba mareti, mari yacho inogara iripo. Pakupedzisira, pamusoro pezvo, mari iyi inogona kuitwa kuburikidza nemakiredhiti, kuwana chimwe chinhu nhasi, uye kuchibhadhara kuburikidza nezvikamu kwenguva yakati. Ichi chikwereti chakawanikwa, chinogona kubuda mukutonga zvishoma nezvishoma kusvika paine akawanda emwedzi kubhadhara. Panguva iyo paine zvakawanda kubhadhara uye uyo ane chikwereti haakwanise kutarisana nazvo, panogona kunge paine nzira dzekudzora mhedzisiro. Imwe yacho ndeyekubatanidza zvikwereti, ndiko kuti, mumubhadharo mumwe chete wemwedzi, nezvikamu zvakanyatsogadzikana.
Ichi chinyorwa chakaitirwa kutsanangura iyo zvakanakira nekuipira kwekubatanidza zvikwereti. Zvakare maitiro ekudzidzira kuverenga kana danho iri rakatinakira uye rinogona kutipa zororo muhupfumi hwedu. Nenzira imwecheteyo, dzidza kana iyi mhinduro isina kukodzera, uye pamusoro pazvose kuidzivirira kuti irege kuitika zvakare. Tinovimba zvinokubatsira.
Zvinorevei kubatanidzazve zvikwereti?
Kubatanidzazve zvikwereti kunoreva kuwanikwa kwechikwereti chemari chine chinangwa chekubhadhara zvikwereti zvese zvasara, kusiya chikwereti chitsva chakawanikwa semubhadharo chete. Iyo michina inoshanda zvese kurerutsa kubhadhara, kana kurerutsa mutoro wezvemari. Kana uchivawedzera vese, chinangwa ndechekuderedza tsamba inouya yemwedzi nemwedzi, uchitsvaga yakaderera mari inogona kuitika pachikwereti chitsva ichi, pamwe nemakore ekuripa.
Nei uchibatanidza zvikwereti?
Sezvatakambotaura pakutanga kwechinyorwa, kubatanidzwazve kwezvikwereti ndiyo nzira yakanakisa yekubatanidza mumubhadharo mumwe chete wemwedzi tsamba dzose idzo dzinouya nenzira yakapararira. Nekudaro, chinangwa chekubatanidzwazve hachisi chakanyanya kudzikisira huwandu hwezvikwereti, asi kudzikisa iyo yakazara mari.
Kubatanidza zvikwereti kunogona kutibatsira isu tese kuderedza huwandu hwese hwatinobhadhara pakupera kwemwedzi kudzikisa sei mubereko watinobhadhara. Kune rimwe divi, tsika yakajairika ndeyekuwedzera nguva yekubhadhara chikwereti icho, zvinoreva kuti kana tikawedzera mari idzi kwemakore mazhinji, mubereko wakabhadharwa kumagumo uchawedzerwawo. Saka, mune idzi kesi, mumwe anofanira kuita sei? Ngatiendei kunoona mimwe mienzaniso kuti inzwisiswe zviri nani.
Kuti udzikise kufarira kwezvikwereti izvozvo nechikwereti chakakwira
Muitiro wakanaka mukubata kubatana uku ungave kuti mushure mekubatanidzazve zvikwereti chimbadzo chakadzikira sezvinobvira. Zvino, zvinogona kunge kuti mubereko pane "chikwereti chitsva" ichi chingave chakakwirira kudarika chikwereti chiri kubhadharwa pane chero chikwereti / zvikwereti. Mune ino kesi zvingave zvisiri izvo zvakanaka kusarudza iyi sarudzo chero bedzi paine solvency yekubhadhara. Zvinogona kungo ruramiswa kubhadhara chikwereti chakakwira pachikwereti chitsva kana kubhadhara kwemwedzi kuri kuderera kwazvo Ngatizvionei nemimwe mienzaniso:
Tine kesi nhatu, A, B, naC. Ngatiti pane vanhu vatatu vakasiyana, uye kuti vese vari kutsvaga kubatanidza zvikwereti zvavo. Muzviitiko zvese zvitatu, ivo vanowanawo chikwereti chavanogona kuwana uye muripo wavo unenge uri mubereko we3% pagore. Iyo zvakare inochinjika munguva, inogona kutora makore maviri, mashanu kana anopfuura makore. Chikwereti ichocho chinogona kukwana kubhadhara mari yakawanda sezvavanoda, saka vanhu vatatu vanowana kuti vatarise kuti yakawanda sei inovakwanira.
- Mhosva A: Muchiitiko A, iwe unoziva kuti kubhadhara 7% mubereko kuri nani pane kubhadhara 18 ne12%. Nekudaro, ine mavara pa5 uye 7%. Kana iwe uchifunga kudzikisa chikwereti chako, uye kukura kwezvikamu izvi kushoma pane kukura kwechikwereti chitsva, unogona kudzora iyo kubhadhara nechikwereti chitsva nekuve nemakore akawanda ekuchibhadhara. Panyaya ye5%, iwe unofanirwa kubhadhara chirango che2% zvimwe mubereko, chimwe chinhu chaunofanira kufunga nezvacho kana zvichikufadza. Chimwe chikwereti che2% hachiite zvine musoro kuti chibatanidze, nekuti kufarira kuri kushoma, kunze kwekunge mamiriro ako pachako "achikumanikidza" kudaro.
- Mhosva B: Chikwereti chimwe pa8% uye zviviri pa13%, ese ari maviri anogona kuve akabatana neiyo nyowani 7% chikwereti pasina matambudziko, zvaizobatsira. Panyaya yezvimwe zvikwereti zviviri, hazvingabatsiri kubhadhara mari yakawanda.
- Mhosva C: Zvakafanana nenyaya A. Kana chikwereti chitsva chiri 7%, iwe une zvikwereti zviviri pa8% uye 10% izvo zvingave zvinonakidza kubatanidza. Zvimwe zvikwereti zviviri pa5% uye 6%, zvingave zvine musoro kana kubhadhara kwako kuchikanganisa mari yako wega uye uchiwedzera mari yacho nechikwereti chitsva. Ehe, kubhadhara chakakwirira kufarira. 0% chikwereti hachina musoro.
Kukanganisa kwekubatanidza zvikwereti
Isu takaona zvakanakira kubatanidzazve zvikwereti, kubhadhara kwemwedzi pamwedzi kunodzikira. Nekudaro, kune kana kuti panogona kunge paine mamwe matambudziko ari kukonzera. Tichavaita tsananguro pazasi.
- Yese Chimbadzo Kubhadhara. Izvo zvakanyanya kukura kwechikwereti kunowedzerwa, iyo yakazara mari inobhadharwa mukufarira inowedzera. Uye zvakare, izvo zvinoita kuti iwo mweya wekubuda muchikwereti uwedzere munguva.
- Makomisheni. Nguva zhinji, kudzima zvikwereti kazhinji kunotakura mimwe mutengo (kana iri yakaderera mitengo ye1%, ivo vanoonekwa zvishoma). Iwo akakosha makomisheni anowanzo kuuya mukuvhurwa kwechikwereti chitsva. Ngwarira kwavari.
- Inovimbisa. Zvikwereti zvakapfuura zvinogona kunge zvisina kuda zvivimbiso zvakawanda, uye nekudaro mitengo yemubhadharo wakakwira. Asi iyo yakakura chikwereti chekukumbira, chakanyanya kuvimbisa kwavachakumbira. Vanogona kutobva kumba kwedu pachedu).
- Re-kunyorera zvikwereti. Kazhinji kana mari yekubhadhara ikadzikira, tinogona kuona kuti tine nzvimbo yekuzvibvumira rwendo irworwo (semuenzaniso) rwataida kuita, uye kuti tinokwanisa kubhadhara muzvikamu zvakanaka. Kukanganisa! Usawira mumuedzo iwoyo, kana zvikasadaro, kwete chete isu tinodzokera kumamiriro apfuura, asi mune ino chikwereti chose chichava chakakura uye chakaoma kubata.
Zvakakosha. Kubatanidza zvikwereti ipfumo rinocheka kaviri. Iyo inogona kutipa isu wechipiri mukana wekuedza kubuda kubva kune yakaoma mamiriro ehupfumi atinozviwana tiri. Kana tikasarangwa, uye tikaramba tichiwana chikwereti, zvinogona kutiendesa kune zvakatonyanya. Mamiriro ezvinhu atisisina nzvimbo yekufambisa uye isu takabatwa kwemakore mazhinji muchikwereti chatisingakwanise kutiza.