Kutenga imba kuita kwakakosha kuita muhupenyu hwako zvekuti haugone kusiya chero nzvimbo kune improvisation. Kana zvisiri, chichava maitiro anoda kurongeka kwakawanda uye imwe nhanho yekuzvipira. Kusvika padanho rekuti kana iwe ukasanzwisisa chero chikamu chayo, hauzove nesarudzo kunze kwekukumbira masevhisi ehunyanzvi kuti akubatsire neayo manejimendi: gweta, chipangamazano wezvivakwa kana maneja. Uine chinangwa chimwe chete uye icho hachisi chimwe kunze kwekugutsa zvinangwa zvekuda kwako. Kuita kuti basa iri rive nyore, tinokupa mazano akareruka pamatanho aunofanira kutarisana nawo kuti unyatsogadzirisa nzira iyi.
Kuti izvi zvive zvakadaro, unofanira kuverenga kuti ndeipi bhajeti yaunofanirwa kuvhara mashandiro. Kunyangwe iwe uchifanira kuenda zvakadzika zvishoma uye woongorora kuti uchazoibhadhara sei. Kana iri mari, kuburikidza nechikwereti kana kuburikidza neyepakati mhinduro. Kana iwe ukasarudza chero eiri ekupedzisira mazano, iwe unosungirwa tarisa nebhangi rako. Kwete chete kudzikamisa kana vari kuzokupa iwe chikumbiro chemari. Asi zvakare kuratidza kuti ndezvipi zvaunofarira kubhadhara iwe, kana iyo yakamisikidzwa kana kusiyanisa mhindu yemari iri nani.
Iko kushanduka kweEuribor ichave poindi yekunongedzera kusarudza imwe kana imwe modhi yemari. Parizvino yakamira pa - 0,095%, yakaderera mwero kubvira payakatangwa. uye izvo zvinokubatsira iwe kuti uwanezve kukwikwidza kufarira pane yako mogeji. Ino zvakare ichave nguva yekuona kuti yako yekubhadhara nguva ichave iri uye makomisheni ayo ako ekuhaya anosanganisira.
Chechitatu kiyi: sarudza chivakwa
Pane aya ma parameter iwe unenge watove mune chinzvimbo chekutungamira chako kudiwa uye kuti ndeupi mhando wemba wakanakira iwe. Nyowani, yechipiri-ruoko kana kunyange yakachengetedzwa zviri pamutemo dzimba. Uye zvakare, ichave yekushandisa kukuru kwauri tarisa nzvimbo yako. Iko kunenge kuri kwekukosha kwakakosha kuve nedata rakakosha sekupa izvo nzvimbo yezvikoro, zvipatara, zvitoro zvikuru kana zvifambiso zveruzhinji.
Nzira dzekutengesa dzaunosarudza dzichavawo dzakakosha zvakanyanya. Nekuti zvinoenderana nekuti ivo vanhu vamwe chete, vezvivakwa dzimba kana vanogadzira, unogona kuita imwe kana imwe nzira yekutaurirana. Iko kushanya kwemusha hakuzove chikamu chisina kukosha cheichi chiitiko. Kwete pasina, chichava kusimbiswa kwepfuma iwe yauri kutsvaga. Kusvikira pakuti zvichazodikanwa kuti iwe unyore pasi zvinova zvinhu zvemumba zvaunofarira zvakanyanya uye zvishoma. Yatova nguva yekuita yako yega kupa. Kubvunza kwese kwese kusahadzika kwauinako. Kubva pane chaicho chimiro uye izvo zvakabatana nekuchengetedza chivakwa kune zvimwe zvakajairika senge izvo zvinoshandiswa munharaunda yenharaunda kana kana iwe uine chitupa chemagetsi.
Chechitatu kiyi: kusaina zvibvumirano
Nhanho inotevera ichave yekutora kondirakiti nemutengesi achitsanangura zvakakosha zveimba. Semuenzaniso, tarisa kana chivakwa chisina mahara kana kuti maeni anochengetwa pairi. Izvo zvakare zvicharatidza iwo mutengo uyo uyo munharaunda nharaunda uchakupa iwe kana iyo fomu yemabhadharo ayo mashandiro anozoitwa akaitwa. Iwo mamwe emamwe ma zvirimo muchibvumirano chekutengesa imba. Iwe zvakare unofanirwa kusaina chibvumirano chekuisa. Zvakakosha sekushanda kweimba ivo pachavo nekuti, pakati pezvinhu, ichakubatsira iwe kuchengetedza kodzero dzako semutengi. Uye zvakare, ichashanda kufambisira mberi 10% yekushanda.
Kiyi yechina: pakupedzisira kunyora
Iyo yekupedzisira nguva inouya apo iwe uchafanirwa kusaina pamwe chete nemutengesi uye pamberi peye notary. Iri rinozove iro gwaro repamutemo rinobvumidza mashandiro edzimba. Kupi Izvo zvakakosha zvinhu zveiyo pfuma zvichafumurwa. Tsananguro yaro, mutengo, nzira yekubhadhara kana kugoverwa kwemari ichave chikamu chemukati mayo. Kubva panguva ino unogona kunakidzwa nemusha wako mutsva.
Dzorera zvikwereti
Nekudaro, iwe haufanire kuvhiringidza icho neicho chinodzosera chikwereti chiri. Icho chigadzirwa chine zvakawanda zvekuita nekudyara pane kutenga imba. Ivo vanosiyana nezera ravanogona kupihwa basa. Mukirasi ino yezvigadzirwa zvinobva pamakore makumi matanhatu nenomwe. Ndokunge, mune chaiyo nguva yekurega basa uye izvo zvinobvumidza kuwana mune ino nguva yehupenyu mari yakatarwa uye yakavimbiswa inozadzisa pension. Beyond imwe nhevedzano yehunyanzvi kufunga kwatichaedza kutsanangura pazasi.
Iyi sarudzo inobvumira vakuru vane muridzi wemba kuti vagamuchire imwezve yemwedzi renti, kuchengetedza muridzi wemba yavo uye mashandisirwo ayo uye kunakirwa nepo. Nekuti zvirizvo, masangano ezvemari anozvitengesa pasi pezviitiko zvemabhizimusi uye vatengi vanogona kusarudza pakati pemafomati akasiyana eaya maficha. Kunyangwe hazvo chimiro chakangofanana kune dzese dzinokweretesa mogeji, musiyano mukuru unoburitswa unogara mukuti zera repasi rekuibvumidza rinoshambadza angangoita pakati pemakore mashanu ne65. Iyo inomiririra kunze kune yakasarudzika chokwadi: iyo yakura zera, ipfupi izwi rekuifukidza.
Iva neimba isina muripo
Kudzoreredza zvikwereti zvine chivimbiso chakavakirwa-mukati chekumirira, icho chinosanganisira pakuti nepo mumwe wevano batira mari yepenjeni achigara, ivo havazobvunzwa kubhadhara chikwereti. Kunyange zvakadaro, ePakaitika kufa kweumwe wevaridzi, mumwe wacho anogona kuramba achiunganidza mari yambotaurwa. Izvo chete zvinodiwa kuti uve pamusoro pemakore makumi matanhatu nemashanu ekuberekwa uye uve neimba isina muripo. Iko hakuna zvakare zvinodiwa maererano nemari shoma iyo muridzi wechikwereti anayo.
Iyo inogona kuve inonakidza kwazvo kurudziro kune vakweguru kuve mune chinzvimbo chekuwana yakakosha sosi yemari. Kunyanya mune avo vane mudyandigere mudiki uyo usingavabatsire kuti vachengetedze imwe simba rekutenga mumakore endarama ehupenyu hwavo. Kusvika padanho rekuva nedambudziko rinopfuura rimwe kugara zvakanaka.
Avhareji yemari yekufarira pazvikwereti
Kune mamogeji akavakirwa pane huwandu hwezvivakwa munaKurume, avhareji yemari yemubereko pakutanga ndeye 2,58% (2,3% yakaderera pane munaKurume 2019) uye iyo 23-gore avhareji term, maererano neazvino dhata rakaburitswa neNational Institute of Statistics (INE). Iko kunoratidza zvakare kuti 60,6% yemari mogeji iri pachiyero chemubereko uye 39,4% pachiyero chakatarwa. Ivhareji yemari yemubhadharo pakutanga ndeye 2,27% yemitero inowirirana (7,1% yakaderera pane munaKurume 2019) uye 3,24% yemitero yakatarwa (4,1% yakakwira).
Zvemumba mamogeji, avhareji yemari yekuda ndeye 2,62% (0,1% yakakwira kupfuura Kurume 2018) uye avhareji temu makore makumi maviri nemana. 24% yembageji yemba iri pamwero wakasiyana uye 41,9% pachiyero chakatarwa. Yakagadziriswa-chiyero chemogeji yakawana huwandu hwegore kuwedzera kwe24,5%. Ivhareji yemari yemubhadharo pakutanga ndeye 2,34% yezvikwereti zvemumba pamisha inoyerera (ine kuderera kwe2,7%) uye 3,11% yezvikwereti zvakatarwa (1,6% yakakwira).
Avhareji yekufarira dzimba
Nezve zvikwereti zvemogeji zvine shanduko yekunyoresa, mushumo wepamutemo unoratidza kuti huwandu hwese hwezvikwereti zvine shanduko mumamiriro avo zvakanyoreswa muzvinyorwa zvezvivakwa zviri 6.507, 12,7% kupfuura munaKurume 2019. Tichifunga nezve mhando yeshanduko mumamiriro, munaKurume. paive ne5.113 novations (kana kugadziridzwa kwakagadzirwa pamwe chete nesangano rezvemari), iine kuwedzera kwegore rose kwe10,7%. Kune rimwe divi, iyo nhamba yekushanda inoshandura chinzvimbo (subrogations kune iye mukweretesi) yakawedzera ne24,2% uye huwandu hwezvikwereti umo muridzi weakaisa mari yeakaisirwa shanduko akachinja (subrogations kune ane chikwereti) yakawedzera ne9,5%.
Mukati meboka rezvikwereti zvine shanduko mune yavo yemari yezvibereko, zvinofanirwa kucherechedzwa kuti kudzidza kwakaitwa neNational Institute of Statistics (INE) kunongedzera izvo zvezvitoro zvitanhatu mazana matanhatu nemakumi mashanu nenomwe zvine shanduko mumamiriro avo, 42,5% inokonzerwa nekugadziridzwa muzvibereko. Mushure mekushandurwa kwemamiriro ezvinhu, iyo chikamu chemitero yakatarwa yemitero yakawedzera kubva pa7,9% kusvika pa16,8%, nepo iyo yemitengo yemitero yakaderera kubva pa87,1% kusvika pa82,3%.
Iko iyo Euribor iri mwero kune iyo yakakwira kwazvo chikamu cheanosiyana rate regeji inoreva, zvese pamberi pechinjo (77,9%) uye mushure (77,8%). Mushure mekushandurwa kwemamiriro ezvinhu, avhareji yekufarira pamari yakatarwa regeji yakadzora mapoinzi e1,6 uye kuti pamitengo inoshanduka yemitero yakaderera 0,8 mapoinzi.
Nezve zvikwereti zvemogeji zvine shanduko yekunyoresa, mushumo wepamutemo unoratidza kuti huwandu hwese hwezvikwereti zvine shanduko mumamiriro avo zvakanyoreswa muzvinyorwa zvezvivakwa zviri 6.507, 12,7% kupfuura munaKurume 2019. Tichifunga nezve mhando yeshanduko mumamiriro, munaKurume. paive ne5.113 novations (kana kugadziridzwa kwakagadzirwa pamwe chete nesangano rezvemari), iine kuwedzera kwegore rose kwe10,7%.