Musiyano uripo pakati pezvikwereti nechikwereti

Wati wambofunga here kuti ndeupi mutsauko uripo pakati pezvikwereti nezvikwereti? Kana iwe uri mumwe wevanhu vanoshandisa pfungwa mbiri zvakaenzana, saka unenge warasika nekuti zvikwereti uye zvikwereti hazvina kufanana. Kunyangwe isu tichiwanzoshandisa izwi rechikwereti sezwi rakafanana nechikwereti, muchokwadi chikwereti chirevo chakapamhama nekuti chingasanganisira dzimwe pfungwa dzakadai seyezvikwereti, zvikwereti zvemunhu, zvikwereti zvevatengi, zvikwereti zvekutengesa uye kunyange makadhi echikwereti.

Zvisinei izvi, "Chikwereti" uye "chikwereti" Aya mazwi maviri atinowanzo funga semazwi anoreva zvakafanana, uye nemutauro unozivikanwa uye unowirirana.

Iwo makiredhi anogona kukamurwa kuita maviri: chikwereti uye zvikwereti, uye dzimwe pfungwa mbiri dzinogona kumuka kubva muzvikwereti: pachako uye mogeji. Ngatirambei tiongorore mutsauko uripo pakati pezvikwereti uye chikwereti, pamwe nenzira idzo imwe neimwe inoshandiswa nadzo.

Chii chinonzi chikwereti chemari?

Chikwereti ibasa rezvemari Kubudikidza nayo munhu kana sangano rinodaidzwa kuti mukweretesi rinopa mumwe, anonzi anokwereta, huwandu hwakatarwa hwemari. Iyi mari yemari, iri mumari yakatarwa pakati pemativi ese, ndiyo inoita chikwereti pachacho.

Sezviri pachena, mukweretesi haaparadzane nemari yako pasina chikonzero. Uye izvi ndezvekuti, kuburikidza nechibvumirano chechikwereti, anokwereta anobvuma kudzorera mari yakweretwa pamwe chete nemari yakabvumiranwa mushure menguva yakati, ngatitii, semuenzaniso, gore nehafu.

Kubhadharwa kwechikwereti kunozivikanwa sekuwedzeredza, uye zvinoitika, kazhinji, muzvikamu zvenguva dzose: makota matatu, pamwedzi, semi-pagore, kana mune chero nguva yatinoda, mukati menguva yakatarwa. Naizvozvo, iyo yese chikwereti oparesheni ine hupenyu hwakafanotemerwa. Panyaya yatinoisa pamberi, mari yose ichadzoserwa mumwedzi gumi nemasere, chero zviyero nezvikamu zvacho.

Chimwe chei Hunhu hukuru hwechikwereti ndeyekuti mubereko unobhadhariswa, nguva dzose, pamutengo wakazara wakakweretwa.

Zvikwereti zvinowanzoitirwa kupa mari kuwana kweimwe sevhisi kana yakanaka.

Ndezvipi zvikwereti?

Kiredhiti ndiyo huwandu hwemari, iine muganho wakatarwa, uyo bhangi kana kiredhiti institution inoita kuti iwanikwe kumutengi. Izvi hazvigamuchire huwandu hwakazara kamwechete, senge zviri muchiitiko chechikwereti, pakutanga kwekushanda, asi, zvinopesana, ichakwanisa kuirasa zvinoenderana nezvinodiwa nguva dzese, kazhinji kuburikidza kadhi rechikwereti kana account.

Nezvose izvi, isu tinoda kutaura kuti iyo bhizimusi iri kuzoendesa zvishoma chikamu cheiyo mari yaitwa kuti iwanikwe kune mutengi pakukumbira kwavo. Mutengi angangoda kuve nezvose mari yakapihwa nebhangi, asi inogona zvakare kutora chikamu chayo chete, kana kutora chero chinhu. Chinhu chakanakira iko kusanduka. Izvi zvinotipa kugona kubata, semuenzaniso, nemari isingatarisirwe.

Uyewo, mutengi achabhadhara chete mubereko pamari yacho iyo yawakareva zvinobudirira, kunyangwe komisheni inowanzo kubhadhariswa bhalansi yausina kurasa. Nekudaro, sezvo mari yavakapihwa kuti iwanikwe ichidzoserwa, mutengi achakwanisa kuve nezvakawanda, nguva dzose asingapfuure muganho wakabvumiranwa.

Kunge zvikwereti, zvikwereti zvinopihwa kweimwe nguva, asi kusiyana nehumwe hunhu, pakupera kwenguva inogona kuvandudzwa kana kuwedzerwa zvichienderana nezvinodiwa nemunhu mumwe nemumwe. Nenzira iyi, makiredhi ndiwo akakodzera maitiro ekuvhara musiyano uripo pakati pekuunganidza uye kubhadhara kwemakambani emari. Ivo anoshandiswa zvakanyanya, kunyanya nemaSMEs, uye kune akasiyana maitiro, senge zvikwereti zvine dicom.

Mari dzakasiyana dzinobviswa muzvikwereti uye zvikwereti

Iyo kiredhiti inosanganiswa ne checking account, nemuganhu wakabvumiranwa wemari inowanikwa. Mune ino account yekutarisa zvinokwanisika kubvisa kana kuisa mari, kuitira kuti iyo bhalansi yacho ive mukweretesi kana ane chikwereti (mukuda kwedu kana kupesana).

Mukukwereta, bhangi rinotisiyira mari, iyo inopinda muaccount yedu uye tinayo zvizere, zvisinei hazvo chikwereti chinoshanduka sezvo zvese kupihwa kwemari uye kudzoka kwavo kuri pamaonero edu.

Kuti, mari inoyerera kune izvo zvikwereti uye zvikwereti zvinofanirwa kupindura zvakasiyana zvichiteerana.

Nguva misiyano pakati pezvikwereti nezvikwereti

El chikwereti ndechepfupi, kazhinji isingasviki gore, zvakadaro chikwereti chako pachako chinowanzove nehurefu hwepakati pe24 ne60 kubhadhara kwemwedzi. Ehe, muzvikwereti zvegeji, iyo nguva inogona kusvika kusvika kumakumi matatu kana makumi mana emakore.

Saka nguva inogona kubatsira kusiyanisa pakati pezvikwereti nezvikwereti.

Mumwe musiyano wakakosha pakati zvikwereti uye zvikwereti ndiyo nzira inofungidzirwa kufarira. Kuverengerwa kwekufarira kwakasiyana, zvekuti muchikwereti vanoverengerwa pakutanga uye vachiwedzera muzvikamu zvatiri kubhadhara. Kune iro chikamu, mune yechikwereti, vanozoverengerwa zvichibva pamawaniro emari atinoita, kunyangwe zvichizofanira kucherechedzwawo kuti mune aya mashandiro mabhanga anotibhadharisa zvishoma, kuitira iyo capital isina kuraswa.

Iko kufarira mune iyo kiredhiti kunowanzo kuve kwakakwirira kupfuura kuya kwechikwereti, asi sezvambotaurwa, isu tinongobhadhara chete iyo mari iyo isu yatinonyatsoshandisa.

Kugadziridza kwekushandiswa kwezvikwereti uye zvikwereti

Chikwereti fomula yakakwana Kufukidza mamiriro ekunze emamiriro ezvinhu, vanotisiira iyo mari panguva iyo isu patinenge tisipo, asi zvinotarisirwa kuti izvi zvichachinja munguva pfupi, kuitira kuti kubviswa zvachose kweimwe nguva kubvumidzwe, pasina chero chirango. Rudzi urwu rwekushanda runoratidzwa kumakambani, nyanzvi kana hutongi hweveruzhinji, nemari inoyerera, kusiana kwemari kuyerera.

Iyo chikwereti chakanyanya kukodzera kune vanhu vane yakamisikidzwa mari, avo kune avo zviri nyore kubvumirana pazvikamu zvemwedzi nemwedzi zvavanogona kurarama nazvo pasina matambudziko akakura.

Pamwe chete na echinyakare zvikwereti uye zvikwereti Isu takawana mumusika chigadzirwa chitsva, chinozivikanwa sechikwereti kana homwe yemari, iyo, ichinyanya kuve mutemo wechikwereti uye kushanda saiyo, inobvumira kubhadharwa kwemwedzi wega wega, muchibvumirano chakabvumiranwa, icho chinobvumira icho pakupera kwe mutemo, Kana wapedza, mari yakasara ishoma uye nekudaro iri nyore kudzoka.

Chikwereti chiri nani kana chikwereti chiri nani?

Pane misiyano yakakosha kwazvo kana zvasvika pakusarudza kadhi, nekuti mazuva ano kubhadhara hakungoitwe nemari sezvazvaive nguva yapfuura, nhasi tine zvemagetsi mari sarudzo, uye neizvi kunouya mamwe matambudziko akajairika uye kusahadzika kunouya kubva pane dzimwe sarudzo dzakasiyana dzatinadzo, sekunge kadhi rechikwereti kana kiredhiti kadhi zviri nani.

Mumakadhi ekubhengi, mubhadharo unogamuchirwa chete kana pari zvino uine mari muakaundi yako yakabatana, muchidimbu, haugone kushandisa zvakapfuura zvauinazvo. Zvakare, muzvikwereti hazvidi kuti uve nemari panguva iyoyo, asi bhangi rinowedzera mari kusvika pamuganhu wemwedzi uye rinokutendera kuti ubhadhare mari yakaunganidzwa yemwedzi wega wega kana kuidzosera mumwedzi yakati wandei asi pane kufarira kukuru.

Kana ukasarudza kunonoka kubhadhara kwemwedzi yakati wandei Iwe unofanirwa kufunga kuti kana makadhi echikwereti akasadzorwa anogona kuve nenjodzi, nekuti unofanirwa kubhadhara mubhadharo kana wasvika kuaccount yako. Kana ukasasangana nemari yaunobhadhara, unogona kuramba uine chikwereti kwenguva yakareba, uye zvinogona kunetsa kubuda muchikwereti.

Kana iwe ukasarudza kubhadhara pakupera kwemwedzi, kadhi rako rechikwereti Inoshanda sekadhi rekubhadharira asi zvine mukana wekuti inobvuma kutapurirana kusingagamuchirwe nekadhi rekubhengi. Semuenzaniso, kana uchifanira kuroja mota unofanirwa kushandisa kiredhiti kadhi.

Zvichida sarudzo yakanakisa ndeyekuva ne kiredhiti kadhi uye kiredhiti kadhi mauri iwe wakagadza muganho maererano nezvaunogona kubhadhara pasina matambudziko kupera kwemwedzi.

Saka rangarira kuti mukupedzisira iwe unofunga izvo zvakakunakira iwe panguva ino, ingo rangarira zvakanakira izvo imwe neimwe inokupa iwe. kadhi kadhi Uye funga kuti kana iwe uchizowana kiredhiti kadhi uye ukasadzora mashandisiro ako, unogona kuramba uine chikwereti kwenguva yakareba, uye rangarira kuti nekadhi rekubhengi hauzokwanise kubhadhara zvimwe izvo zvinodikanwa kupa kadhi rako ruzivo rwechikwereti.