Mogeji mari?

zvikwereti Mamogeji ndechimwe chezvigadzirwa zvemabhengi zvinosanganisira mari zhinji mukutarisira kwavo. Nekuda kweiyo mari inodiwa iyo inofanirwa kudzoserwa nezvayo zvinoenderana, pane zvimwe zvisingawanzo kuverengerwa. Asi chii pasina kupokana achaita ichawedzera mari yekupedzisira izvi zvinoreva mari yekutenga imba. Kunyangwe vamwe vacho havazove nechekuita neiyo mogeji pachayo, kana zvisiri nemaitiro ayo ekutonga. Kusvika padanho rekuti hauzove nesarudzo kunze kwekubhadhara pakati pe2% ne5% yemari yakatarwa.

Mamogeji, kusiyana nemitsara yakajairika yechikwereti, inogadzira akateedzana emabhadharo anoenda kupfuura kwavo kwega kurongeka. Zvinogona kukukonzera kumwe kutya kana wakatarisana nekugadziriswa pamberi penzvimbo yemari. Neichi chikonzero chaicho, zvakakosha kuti iwe uzive izvo zvinomuka zvinobva mukuhaya kwako. Saka nenzira iyi, iwe hauna chero kushamisika zvisina kunaka kana chikwereti chemogeji chasainwa. Nekuti mune dzimwe nguva, zvinogona kukanganisa bhajeti yauinayo yegore rega rega.

Kubva pane ino mamiriro ese, zvichave zviri nyore kwazvo kuti iwe uongorore kuti mari yako ichaenda kupi kana iwe uchienda kunotenga imba kana imba. Usafunge kuti uchafanira chete kubhadhara mubereko, nekuti hachisi chokwadi. Mamogeji anopa mari dzinogovaniswa kuburikidza nezvikamu zvakasiyana zvezvikamu uye zvinoita kuti chigadzirwa chemari ichi chimwe chezvakanyanya kuwanda mumusika wezvemari. Mupfungwa iyi, havana chekuita nevatengi kana vega zvikwereti. Pachave nemimwe misiyano yakajeka yauchazofanira kufunga nezvayo kubva zvino zvichienda mberi.

Mogeji unobvumirana: makomisheni

commissions Ehezve, makomisheni ndicho chinhu chekutanga chinoda a kuedza kukuru kwehupfumi kune yako chikamu. Aya marudzi emabhadhariro anogona kuve emhando dzakasiyana, kunyangwe iwo asina kunyatso shandiswa mune zvese zviitiko. Izvo zvekudzidza, kuvhura, subrogation kana kudzima kukanzura ndizvo zvimwe zvakajairika mukutengesa kwayo. Iine huwandu hunosiyana zvichienderana nechikumbiro chebhangi rega rega, asi kazhinji chiri pakati pe0,5% ne2% yemari inodiwa. Mupfungwa iyi, zvichave zvakakosha kuti iwe uzvizivise pachako ndeapi makomisheni anosanganisira iyo mogeji yauri kuzobhadhara.

Chero zvazvingaitika, panguva ino uye nekuda kwemutengo unodhura wemari, zvakajairika kuti mogeji nyowani dzive kusunungurwa pamubhadharo uyu. Sezvo ivo vari kutengeswa mahara emabhangi aya uye nekupararira kuri nani zvichienzaniswa nemamwe makore. Kusvika padanho rekuti mune yazvino regeji yaunopa iwe unogona kuwana mitsara yechikwereti yeaya maitiro pazasi pe1%. Iyi ndiyo imwe yemhedzisiro mikuru yebenchmark yeEuropean, iyo Euribor, iri pazasi renhoroondo. Kunyanya mune yakashata mamiriro uye yakanyorwa pamisika yemari pa -1,62.

Zvakawanda sei zvaunogona kufungidzira?

Semhedzisiro yekushandisa kwayo, makomisheni pazvikwereti anogona kuburitsa kuwedzera kwemari iyo iwe yaunofanirwa kugovera kugutsa kutenga kweimba. Segwara, kune mogeji remazana zana euros, zvinoreva a mari yekuwedzera yakatenderedza zviuru zviviri zveeuros iwe uchafanirwa kufunga kana uchisaina kondirakiti nebhangi. Haasi ese makiredhi anosanganisira iwo mumwe mubhadharo, asi iwe unofanirwa kutsvaga iyo yakanyanya kuwanda modhi mune iyi mhando yemari.

Kune rimwe divi, uye nesarudzo, kune zvakare mutengo wekutenga inishuwarenzi yekumba. Kwete pasina, zvinokubatsira zvinokudzivirira kubva kuzvinogona kuitika zvingamuka. Semuenzaniso, kukuvara kwemvura, kuputsika kwegirazi kana kutokuvadza kune vamwe mapato. Chero zvazvingaitika, mutemo chete unenge uchisungirwa mutemo wezvemoto. Nemutengo wegore wepakati pezana kusvika mazana mashanu zvichienderana nekufukidzwa kunowanikwa muchigadzirwa ichi. Zvimwe zvese hazvidiwe kuti unyore. Kunze kwekunge chiri chinhu chinodiwa kudzikisira mari yemubereko iyo inozoshandisirwa iwe ichi chigadzirwa chemari.

Maitiro ekutonga: yakawanda mari

manejimendi Usafunge kuti nemari idzi dzandakutsanangurira kusvika parizvino kubhadhariswa kwauchazofungidzira kune ipi neipi yemari yakabhadharwa yapera. Nekuti haina kudaro, nekuti ivo vanoda chaiyo yakasarudzika mhando nhanho uye isu ticha tsanangura kwauri kubva ikozvino zvichienda mberi. Dzese dzinobva ku maitirwo ehurongwa kana maitiro yakabatana nekutenga chivakwa uye izvo zvinogara zvichidikanwa kuti zviitwe zviri pamutemo. Chimwe chezvakakosha ndere poindi yekureva magwaro. Kuburikidza nemhando dzakasiyana siyana senge dzinoratidzwa pazasi.

  • El chibvumirano chekutengesa kana dhipoziti: zvakafanira kuti chivakwa chipfuure kune muridzi mutsva uye chinofanirwa kuve chepamutemo pamberi pehofisi ye notary.
  • Gwaro redzimba: mune ino kesi yako yekusaina iyo ichauya kubva kuchokwadi chekuti ndicho chimwe chezvinhu zvakakosha kuchengetedza kodzero dzako semutengi.

Muzviitiko zvese izvi, hauzove nesarudzo kunze kwekuenda kune notary kuti iwe ugone kuiwana pamwe nemamwe magwaro. Chero zvazvingaitika, ichave imwe sosi yemari pakutenga imba. Kunyangwe pane ino chiitiko, mubhadharo wea notari unopihwa mahara. Nekudaro, kune avhareji oparesheni ichave neinobuda iyo inosiyana pakati pe400 ne1.000 euros.

Zvimwe zvekuwedzera mari

Kune zvekare mamwe akateedzana emabhadharo ausina imwe mhinduro kunze kwekuzadza iwo panguva yekutanga kuita real estate oparesheni. Izvo zvine chekuita neane manejimendi manejimendi eiyi yakaoma maitiro. Ehezve, haizove iri mari inorema kwazvo, asi zvinokubatsira iwe kukwidza bhajeti iyo iwe yaunofanirwa kugovera kune izvi zvemagariro zvinodiwa. Zvimwe zvezvakanyanya kukosha nezvatinotaura pazasi.

  • Kunyoresa pfuma: Iwe haufanire kukanganwa chero sezvo zvichisungirwa zvakakwana kuti iwe utarisane nechidimbu chekushanda kwako muPfuma Registry. Kwete zvisina maturo, ichave iri gwaro ichakubatsira kuratidza kuti pakupedzisira iwe ndiwe muridzi mutsva weiyi pfuma yezvinhu. Mutengo weane manejimendi unogara uri pasi pemazana manomwe emaeuro. Uine hushoma hushoma pane huwandu hwakazara hwekushanda kana hupfumi hwekutengeserana.
  • Kutarisira mari: ibasa rehunyanzvi iro rinenge richiona nezve kufambisa zvikamu zvese zveichi chiitiko chinosanganisira kuwanikwa kweasiti yezvivakwa. Pasi pemari isina kumbogadziriswa, kana zvisiri, zvinopesana, zvinoenderana nechibvumirano chaunosvika nesangano. Kunyangwe mune chero zvazvingaitika, hazvizokubhadhare iwe anodarika mazana matatu kana mazana mana emaeuro. Nenhanho yekuti ichavandudza maitiro iwe aunogona kuunza kuburitsa kuburikidza nemasevhisi avo.

Zvirango: kunyanya mukutyora

kubhadhara Iko kune imwe nhevedzano yezvakakosha chaizvo zvinodhura izvo zvinongogadzirwa kana iwe ukatyora zvimwe zvezvikamu zvechibvumirano. Semuenzaniso, kana iwe ukasarudza kubhadhara chikwereti chako pamberi mogeji. Unogona kumanikidzwa kuita mashandiro aya, asi uchiziva kuti bhangi rinoshandisa komisheni kugadzirisa chikwereti nekukurumidza. Kazhinji vanokubhadharisa pakati pe1% uye 2% pamari yaunenge wasara nayo kuti udzore.

Chero zvazvingaitika, iwe uchafanirwa kutarisa kana kufamba uku zvichava zvinobatsira. Nekuti kwete mumamiriro ese ezvinhu zvichave nyore kuti iwe uzviite pasi pemamiriro aya. Iko kupi muzana yako ichave chinhu chinogona kukonzeresa kuti mari yezvikwereti zvikwire munzira isina basa zvachose. Pakati pezvimwe zvikonzero, nekuti iwe unogona kusiyanisa yemari yemubhadharo kuti ugadzirise kune zvako chaiye mushandisi. Pasina iko kudiwa kwekukanzura kukwereta mari pasi pechirango chinorema.

Mari yakawanda kupfuura yaitarisirwa

Sezvaunenge uchinge waona, kubvumirana kweiyi mitsara yechikwereti kunenge kwave kukutungamira kune zvakakura zvido pane yako yekutarisa account kupfuura zvayakatarisirwa kare. Mune zvimwe zviitiko, iwe unogona kuvadzivirira, asi mune mazhinji acho kufarira kuchashandiswa kubva kunhepfenyuro yako yezvemari kuchawedzerwa. Pamatanho anopa zvakakomba zvakasiyana, zvinoenderana nezvinodiwa nevashandisi. Chero zvazvingaitika, ichave iri kune chimwe chinhu chinopfuura zvikamu zvishanu muzana zvine chekuita nekufungidzira kwekutanga.

Iyi ndiyo mari inofanirwa kuwedzerwa kune iyo mari inosanganisirwa mukubata mogeji. Zvinoenderana nezvazvino zvakapihwa neNational Institute of Statistics (INE), zvinoratidzwa kuti avhareji huwandu hwezvikwereti zvakanyoreswa mumazita ezvivakwa muna Zvita (kubva pane zvaimboitwa neruzhinji zviito) 137.955 euros, 5,5% yakakwira kupfuura mumwedzi mumwe chetewo wa2016.

Imwe yeanonyanya kukosha manhamba anosimbisa chiitiko ichi ndechekuti kukosha kwehomwe dzakavakirwa pamadhorobha zvivakwa inosvika 3.722,0 mamirioni euros, 1,9% kupfuura muna Zvita 2016. %. Iko kunofanirwa kuwedzerwa mari inogadzirwa neichi chigadzirwa. Sezvawakamboona kare uye kuti ichaderedza kukwikwidza kune ayo mamiriro.


Izvo zviri muchinyorwa zvinoomerera pamisimboti yedu ye tsika dzekunyora. Kuti utaure chikanganiso tinya pano.

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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako