Chirevo chemari ndeye mutero maitiro aunofanirwa kupfuura gore rega rega. Kunyangwe paine vashandisi vazhinji, iwe haufanire kungopindurira iyo mari inotorwa kubva kubasa. Asiwo zvimwe zvinogadzirwa kubva muzvikwereti kana kunyangwe kubva pamubhadharo wezvigadzirwa zvemabhengi (maakaundi ane mari-zhinji, akachengeterwa-nguva dhipoziti kana chero chirongwa chekuchengetedza). Dzose idzi mhosva dzinofanirwa kuratidzwa mune chirevo chemari yegore rega. Iwe unogona kukwanisa kubata maitiro aya iwe pachako kana, pane zvinopesana, unoda rubatsiro rwemaneja kana nyanzvi kuti ikubatsire iwe kugadzirira uyu mutero wakananga.
Kuti iwe ugone kupinza pfungwa dzese, hapana zvirinani kunze kwekunzwisisa izvo chirevo chemari. Huye, iyi ndiyo nzira yekutonga yaunofanirwa kuita gadzirisa yako mamiriro emutero. Mune mamwe mamiriro ezvinhu hazvizoda kushanda nesimba, asi mune dzimwe nguva chichava chiitiko chakaomarara chinoda ruzivo rwakadzama rwematanho emitero inoiswa mugore rega rega remari. Nekuti haugone kukanganwa kuti vese vanobhadhara mutero vanofanirwa kugadzirisa mamiriro emari. Nekuti kana zvisiri, iwe unosangana nezvirango zvakaomarara.
Kune rimwe divi, iwe unofanirwa kuziva kuti iyo Yega Inowanikwa Mutero (IRPF) ndiyo inonzi yakananga mutero inogadzirwa neiyo kuwana mari. Mune zvimwe zviitiko, nekuda kwemari kubva kune mushandi uye kune vamwe kubva kuakaundi yavo. Zvakare yezvemari zviwanikwa zvakawanikwa kubva kuenzana kweanofarira mapato. Ndokunge, kutengesa kana mashandiro pamwe nekutengesa kwezvivakwa. Asi zvakare nemari inowanikwa muhomwe kana kunyangwe nerubatsiro rwemagariro, semuenzaniso muzviitiko zvekushaya basa kana mabhenefiti ebhenefiti.
Nhanho yekutanga: karenda
Ehezve, iwe unofanirwa kunge uchiziva iwo mazuva ekupedzisira uye mazuva ekerenda remubhadhari mune yega gore remari. Hazvishamisi kuti chero kubhadhara kunonoka kunogona kuve nemhedzisiro inokanganisa zvido zvako. Ichi ndicho chimwe chezvikonzero zvikuru nei musina sarudzo asi kuzvizivisa nezve chikamu chakakosha cheichi chiitiko. Kune rimwe divi, uye neruremekedzo kune ino nguva yemari, iwe unofanirwa kufunga nezve mamwe matanho anozo shandiswa kune wega mari yemutero inozotanga kushanda gore rega.
Chimwe chinhu chakakosha kwazvo zvine chekuita nemutero wemunhu mari unonzi iwo wakananga mutero unogadzirwa nekuwana mari. Iine kukanganisa pamari inowanikwa kubasa, asi zvakare yakatorwa kubva ku investments izvo zvawakaita muchiitiko chimwe nechimwe. Kusvika padanho rekuti ivo vagone kuenzanisa maakaundi auchazofanira kupa maakaunzi zvine chekuita neHaimari.
Nhanho yechipiri: kumbira kunyorwa
Chikamu chinotevera chemutero uyu chinoenderana nekufunga kana iwe uchinyatsofarira kuisa chirevo pamusoro peInternet kana zvinopesana, mumunhu kumahofisi eAEAT. Kune rimwe divi, zvakare gore rino iwe une sarudzo yekuzvigadza kuburikidza neye mobile application iyo yakagadziriswa nevakuru masangano.
Nezve yekutanga mamodheru, iwe unofanirwa kuziva kuti iwe une nzira nhatu dzekukusimudzira mune yedu dhizaini. Izvo zvinosanganisira kushandisa chitupa chemagetsi kana nenzira yePIN kodhi. Chero zvazvingaitika, kana uchinge waongorora zvinyorwa, unenge uine sarudzo mbiri kuti upedze mutero uyu.
Kune rimwe divi, zvisimbise zvoga uye enderera kumharidzo yayo uye kune rimwe divi, gadzirira chirevo chako. Iwo maitiro asingazove akaomesesa kuita uye ayo anowanikwa kune vese vanobhadhara. Saka kuti nenzira iyi, iwe unogona kutevedzera zvaunosungirwa mutero nemazvo uye nemisi inoenderana.
Nhanho yechitatu: maitiro ekubhadhara?
Nguva yakanyanya kukosha yesitatimendi yemari yasvika uye ndiyo ine chekuita nekuzvimisa wega maakaunzi ako. Uye ndiyo iyo pakupedzisira icharatidza kana iwe uchifanira kubhadhara kana zvinopesana iwe unofanirwa kubhadhara mari muakaundi yako yekutarisa. Zvakanaka, mune ino mamiriro hauzove nawo ndikubvunze zviitiko zviviri izvi zvekuverenga mutero. Mupfungwa iyi, kana chirevo chinotevera chemari chikabuda kuti chidzorerwe, Treasure haiwanzo kutora inopfuura mwedzi kuisa mari kubhangi account yakapihwa. Chero zvazvingaitika, izwi iri harifanirwe kudarika mwedzi mitanhatu sezvo raizove nechimwezve chinofanira kubhadharwa kuaccount yako yebhangi.
Kune rimwe divi, kune yakapesana mamiriro. Ndokunge, zvinokuvadza zvakanyanya kune zvaunofarira ndezvekuti iwe unofanirwa kubhadhara Treasure. Zvakanaka, unogona kuzviita mumubhadharo mumwe chete kana kuzvipatsanura kaviri. Kuti ushandise fomula iyi, iwe unofanirwa kungotarisa chidimbu chebhokisi rekubhadhara pakudzoka. Semhedzisiro yechiitiko ichi, 60% ichabhadharwa mumubhadharo wekutanga yemari yacho yose, nepo wechipiri uchizoitika mukati mevhiki rekutanga raNovember, pamwe nekubhadharwa kwema40% asara.
Nhanho yechina: ko kana paine kukanganisa?
Uyewo haugone kukanganwa kuti iwe unogona kukanganisa pane chirevo chemari. Icho chinhu chinogona kuitika uye nekudaro iwe unofanirwa fungisisa iyi inogona kuitika. Pazvinenge zvichinyanya kudikanwa kuti kana iwe ukaona chero mhando yekukanganisa mune yako mari sitatimendi, inoziviswa nekukurumidza sezvazvinogona kune vemitero vakuru. Chero zvazvingaitika, zviitiko zviviri zvinogona kuratidzwa mukati meichi chirevo.
Kune rimwe ruoko kuti ndiwe kukuvadzwa nekanganiso uye mune iyo mamiriro ezvinhu iwe unofanirwa kuendesa chikumbiro chekugadziriswa kwekuzviongorora-wega. Uchave uine nguva inosvika kumakore mana ekugadzirisa mamiriro ezvinhu aya uye kubhadhara iyo mari inova ndiyo nyaya yekukumbira.
Uye kune imwe, kuti iyo Treasure ndiyo yakakosha kukuvara kwekukanganisa kwako kana uchiita chirevo chemari. Kana zvirizvo, hauzove neimwe sarudzo kunze kwekuita a chirevo chekuwedzera mauri maunofanirwa kusanganisira zvikanganiso zvawakaita mune ino mutero mashandiro. Asi chenjera kwazvo, zviite nekukasira sezvavanogona kukubhadharisa uye zvikwereti zvinogona kukuvadza zvakanyanya zvaunofarira.
Chero zvazvingaitika, zvinokurudzirwa zvikuru kuti uchengete mapepa ese e makore mana apfuura emari. Nekuti chero nguva vanogona kuongorora chero emari zvirevo zvawakaita. Uye zvechokwadi, dziviriro yakanakisa yauinayo ndeyekutsigirwa kwemagwaro iwe awakaisa pamusoro kuverenga kwekubviswa kwemari yako wega uye yehunyanzvi. Nguva dzose zviri nani kungwarira nezve chero chiitiko chingaitika kwauri kubva zvino zvichienda mberi. Usakanganwe izvi kana iwe usiri kuda kuve nezvinetso nevakuru vemitero chero nguva.
BABA chirongwa
Kune rimwe divi, haukwanise kukanganwa kuti kubvira gore rapfuura Chirongwa cheMubereki chakatsiviwa neRenta Webhu, kuti vazivise kuburikidza neInternet. Iyi imwe sarudzo yauinayo uye iyo inobvumidza iwe kuisimbisa pamhepo, zvakanaka kubva kumba kana kubva chero kumwe kunhu. Chero zvazvingaitika, iwe uchave uine khalendari yekuita iri basa uye kuti iwe unofanirwa kuongorora kuitira kuti usazotora chero zvisungo zvisina kunaka kubva zvino zvichienda mberi.
- Presentación: Iwe unogona kuendesa kudhirowa kweMutero Mutero kudzoka online kusvika svondo rekupedzisira raJune mune yega gore remari. Nekudaro, kana mhedzisiro ichizodzoserwa, uchave nekuwedzeredzwa kudiki kusvika svondo rekutanga raChikunguru.
- Kana iwe uchida kushandura kana kugadzirisa imwe yedhata kana zviyero izvo zvinosanganisirwa mune yako dhizaini, unogona kuzviita kubva kumahofisi eTax Agency wega. Kana kunyangwe kana chiri chako chishuwo, kuburikidza nesarudzo yapfuura iyo iwe yaunogona kukumbira kusvika mazuva ekupedzisira aJune.
- Chivimbiso: kune rimwe divi, iwe unogona zvakare kukumbira kunyorwa kweiyo rent nefoni, kuburikidza nenhamba 901 121 224 (24-hour automatic) uye 901 200 345 (Muvhuro kusvika Chishanu, kubva 9 am kusvika 21 pm). Ichi chichava chikamu chehurongwa iwe chaunogona kugadzirisa mune ipfupi nzvimbo yenguva kuti iwe ugone kuita yako inotevera mari chirevo uine yakazara vimbiso maererano nezvayo mhedzisiro.
Kubva panguva ino zvichienda mberi, iwe uchafanirwa chete kuzadza mhedzisiro yekuzivisa. Chero basa racho, ndiko kuti, kudzoka kana kuti iwe unofanirwa kuisa mari muakaundi yako yekutarisa. Iko iko kutsva kukuru kwauchazove nako gore rino ndekwekuti iyi nzira yekutonga inogona kuitiswa kuburikidza ne kunyorera kubva kune yako nhare. Iine manejimendi anoshanduka manejimendi enhanho dzese dzataratidza pamusoro. Iwo mitero yemitero inosimbisa kuti iko kunyorera kuchave "chiteshi chinonamira" icho "chinoshanda senzira nyowani yekutaurirana. Uye izvo zvinonyanya kutaridzirwa neprofile yemushandisi isingashandisi kushandiswa kwemacomputer emunhu.
Hurongwa uhu hunosanganisirawo kutumirwa kwetsamba kuvanhu vanosvika mazana masere nemakumi masere ezviuru vevateresi kuti vavakurudzire kuti vashandise nharembozha nekukurumidza mashandiro acho kuburikidza nekugadzwa kusati kwaitwa.