Chikwereti chevatengi: kudzoka kare kana maererano nesungano?

Kuwanda kwekukweretesa kwakazara uye kukwanisa. Mimwe michina yebhangi inofarirwa zvakanaka uye inozivikanwa nevatengi, asi vamwe vanozivikanwa nemakamuri. Rudzi urwu rwezvikwereti, sezvikwereti zvevatengi, zvino ndiyo yakakurumbira uye inozivikanwa munyika yedu, asi pasinei neizvi, vanhu vakawanda vasati vadzidza kuzvisarudzira zvakanaka kana kuti vachishandise zvakajeka.

Zvinetso nezvikwereti izvi zvinomuka, semurairo, mushure mekuguma kwemvumo. Zvinotaridzika kuti zvinonzwisisika uye zviri nyore mamiriro ezvinhu zvinongoerekana zvava kushamisika kusingafadzi kune vatengi vebhangi. Hazvina mhosva kuti mutengi wechikwereti wakaita sei, kuidzorera haisi basa rakaoma.

Mitsara yemutengo wechikwereti, mikana yake uye kukanganisa

Chii chandinofanira kutarisa pachinyoresa chibvumirano chechikwereti? Pane humwe huwandu hunokosha hunofanira kunyatsodzidzwa:

• Chido chekufarira. Inogona kuchinja munguva yekontrakiti, iyo inofanirwa;
• Rimwe-nguva uye pamwedzi makomisheni, hukuru hwavo, kunyanya kwekubhadhara;
• Kukosha kwekutora kana kuvimbiswa. Mariro yevatengi, kudzoka kwayo kunonyatsochengetedzwa, kune, semutemo, mamiriro ezvinhu akanaka;
• Kubhadharwa kwakatangira kwechikwereti, kuchinja mumwedzi wekubhadhara. Ko kukosha kwechikwereti kunokonzerwa neizvi.

Mhedziso yekupedzisira inofanira kuongororwa zvakadzama. Izvi ndiko kusanzwisisana uye zvinetso zvinowanzoitika, nokuti vatengi havanzwisisi zvakajeka kuti vangabhadhara sei zviri nani pane chikwereti. Kana pane nhume kana chirango chekubhadhara kwokutanga kwechikwereti , zvakakosha kuongorora zvakanaka kana iri inobatsira mumutemo. Mari yaunayo ikozvino, unogona kuishandisa nenzira yakasiyana, pasina kuputsa chibvumirano chechikwereti panguva imwe chete.

Izvo zvinoenderana nemari yekubhadhara pamwedzi. Mari yechikwereti yevatengi kunobhadhara zvikuru ndiyo iyo inobhadhara chikwereti pamari yemari. Muchiitiko ichi, zvakakosha kubhadhara mari yakatarwa, asi uwedzere iwe pachako. Asi chete apo izvi zvinotaurwa nechibvumirano, uye hapana chirango chinowanikwa.

Zvipingamupinyi munyika yekukwereta: chii chinofanira kubhadharwa zvakanyanya

Mari yechikwereti, iyo kudzoka kwayo inotsigirwa nehutano, inonyanya kuvimbika kumabhizimusi emabhengi. Asi nokuda kwechirango ichi ndicho chimwe chikonzero chemhirizhonga. Pakaitika matambudziko ane chikwereti chekubhadhara, zvikwereti zvinowira zvakafanana kwaari. Uyezve, chokwadi chekusimbisa chinotorwa mukutarisa paunenge uchikwereta chikwereti chave chagara pamurindi.

Zvakavanzwa zvinyorwa uye kubhadhara ndeyomusoro kune vatengi vezvizhinji zvezvemari. Chikwereti chevatengi veSberbank kana mamwe makuru makuru emabhangi ane mamiriro akare uye anonzwisisika, asi pane dzakawanda mamiriro ekusawirirana. Semuenzaniso, mushure mekunge kambani yavharwa, unofanira kutora zvinyorwa zvakanyorwa izvi mubhangi. Mutengi wacho haafaniri kutsanangura kuwanda kwekomisheni, uye icharamba ichiita sechikwereti chiduku chekambani, iyo inogona kukura pakuva chikwereti chikuru. Nokudaro, chikwereti chemutengesi, kudzoka kwauri kuronga kubudisa, kunofanira kuverengwa kubva kumativi ose, kujekesa zvose zvinyorwa uye maonero.